23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized there is an account placed for collection on my credit report so I looked into it. The account was from Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. The account was placed for collection on XX/XX/XXXX. At this time I was only XXXX  years of age, making any medical bills my parent 's responsibility and their insurances. They also did not contact me before putting this on my credit report. I tried calling the number provided from my credit report, as well as the number they have listed on google. On XX/XX/XXXX I reached a voicemail saying the mailbox was full. I called again on XX/XX/XXXX and was put on hold for 25 minutes until being hung up on. I tried calling again and kept getting a voicemail full box. I called again on XX/XX/XXXX and talked to a lady who told me I had to pay it and there was nothing else I could do about it. I have read the reviews on this agency and understand they do this to many people, and that the company is fraud. I do not want this to ruin my credit. I will soon reach out to local police and obtain a lawyer.
Product: Debt collection

I have been contacted by Global Receivable Solutions, Inc. regarding a debt that I do not owe. This is the second debt collector for an unverified debt of {$69.00}. I previously disputed this debt with a previous debt collector, and they were unable to verify it. The second debt collector sent me a letter on XXXX XXXX, 2016, which was not received until XX/XX/2016. On XXXX XXXX, 2016, I sent them a certified letter disputing the debt and requesting additional information regarding the validity of the debt. This letter was received by them on XXXX XXXX, 2016, within the thirty day period. However, before the thirty day period expired, they reported this unverified debt to the credit reporting agencies. The company also fraudulently represented that the " Dispute date '' was XXXX XXXX, 2016, which is just outside of the thirty day period. However, XXXX XXXX is five days after my dispute letter was received by them, according to the United States Postal Service tracking records. On XXXX XXXX, 2016, Global Receivable Solutions sent me another letter with insufficient information regarding the debt which did not validate the debt. The letter also indicated that the debt had been reported to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX days, and I haven't received any response. This lack of action is really concerning. According to Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Debt collection

On XX/XX/XXXX I have contacted ASTRA ADA RECOVERY in regards to an account in XXXX transferred and sold as a debt collection. I called to get fax number and was transferred back to the original furnisher of information SPEEDY CASH. I was sent to the survey automated system when placed on hold, I than called back to get account number and was told it was an attempt to collect a debt which is illegal to do so pursuant to 15 USC 1692b ( 2 ) ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my EXPERIAN, XXXX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK These accounts and inquiries are fraudulent , unverifiablXXXX XXXX and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2019 certified mail via USPS I submitted : CA acknowledgement ; Notary 's Cert of Service ; Presentment under Notary Seal ; & an UCC 11 Lien Search showing no debt or liens in commerce nation wide. 
DISCOVER BANK:XXXX Amount {$200.00} A fraudulent account.
Product: Credit card

I have been filing and refiling a dispute with AMEX, 8 times, since early XX/XX/2023. I have a letter from AMEX dated XX/XX/XXXX stating that " We are writing to inform you this as a result of our investigation, we've credited your account [ ... ] '' This was after I sent them a photograph of a technician 's ladder and tools in my room, next to a thermostat that had been removed from the wall, with the claim the resort hadn't delivered the product as described, which was a room with air conditioning. AMEX has subsequently, repeatedly, informed me that they were reversing their decision based on the merchant 's word that " no information of lack of air conditioning was received. '' Each time AMEX writes this to me, I call in and ask the agent to look at the files, and see that I have already provided photographic proof that the merchant was informed of the air conditioning problem, the agent agrees that my photograph proves they were informed, and they reopen the dispute. Then AMEX sends me back the exact same conclusion. This was a 5 star resort in a tropical climate, I had provided a record of the daily temperature, which was never below 82f, and 90f for a high, the air condition listed in the product description was an absolute essential that was not delivered until I was finally transferred to another room. In addition to my photo, I also have another agent of the merchant responding to my XXXX  complaint, acknowledging that they have record or my faulty air conditioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are reporting incorrectly on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

XXXX months ago I got a payday Loan with Ace Cash. I got XXXX extensions with them. I was about to make a payment and went into their website to do so. I could not log in to their site. So I called and the customer service person told me that they no longer gave pay day loans in Maine and that is why I could n't. So I asked her if I could make payment arrangements with her and she said no I am sorry. I might add that I had XXXX more times I could make payment arrangements. She said that they would be debting the full amount of the loan which was XXXX on the XXXX I said i could n't pay that and she said well stop payment on it and we will make payment arrangements with you. I did just that. Now I realize that they broke their contract with me and probably charged me for non payment and I know for a fact it is on my credit report for non payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are not mines and do not belong to me. these items are identity theft and I am asking that they are removed as the addresses and name does not match XX/XX/XXXX XXXX BANK {$1000.00} Account number XXXX and XX/XX/XXXX BANK XXXX {$560.00} XX/XX/XXXXAccount number XXXXXX/XX/XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXXXX/XX/XXXXOriginal creditor : XX/XX/XXXX XX/XX/XXXXAccount number XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Reference number XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$150.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX, XXXX XXXX XXXX and Bankruptcy. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon trying to finance a vehicle Ally Bank denied me and my wife a loan. They sited information from XXXX, XXXX, and XXXX. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
Product: Checking or savings account

On XX/XX/year> around XXXX PDT at the Wells Fargo XXXX ATM XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I attempted to make a cash deposit of {$1100.00} ( all in {$50.00} bills ) into the ATM. I followed the directions and inserted the cash into ATM, which began to count the money. During the transaction, the ATM froze and the screen blanked out with a message that it was out of order. The ATM did not return the cash in process or did it credit my account, which is the normal process during issues like this that I experienced. 

I then proceeded into the branch to let them know of the issue and the teller XXXX flagged to the Service/Branch manager of the issue. As I waited to speak to the manager, I completed the second half of my cash deposit for {$2000.00} ( all in {$100.00} ). I then spoke to the manager and they let me know the ATM had been having problems and they would check on the ATM. She then came back and said an ATM technician was inside the room trying to fix the issue and that my cash deposit that wasnt returned should be credited to my account within the next couple of hours. If I didnt see it by then, I should file an ATM claim. I thought it was odd, but I agreed as I needed to catch a flight by XXXX and it was a manager who told me the issue with ATM. The next morning I didnt see my account credited, so I filed a claim with the bank as instructed. 

On XX/XX/XXXX, the bank notified me that my claim was not being honored as their ATM back office team could not confirm the transactions. I requested an escalation of the issue noting the only way they could not retrieve the money from the ATM was if there was fraud/theft on the part of the ATM technician who was in the ATM room at the time of the deposit failure. I requested for them to further investigate and for them to review the video surveillance, which will show the entire situation. The bank has since responded on XX/XX/XXXX that they could not confirm my claim once again, but hasnt provided me with any evidence that theyve reviewed the surveillance video of the branch and the ATM room or that they reconciled the ATM machine that it was holding more cash than it should have. Based on the issue, I believe the only way the money could be missing is from theft from the ATM technician in the room who I believe caused my deposit failure in the first place. Ive been with the bank for XXXX XXXX and after this experience I have no trust in the way Wells Fargo handles ATM claims.
Product: Credit reporting

i have sent letters in the the Credit Bureau because someone applied for items in my name without my permession.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX  XXXX of attached doc shows XXXX ( XXXX ) monthly statements generated between XX/XX/XXXX and XX/XX/XXXX ; XXXX ) On p. XXXX of attached doc XXXX  for XXXX Section XXXX defines the repayment period as the period over which successive monthly statements are generated whereby the lender and/or servicer mails the generated MONTHLY billing statements ; XXXX ) An absence of billing statements generated implies no payment due for XXXX ; XXXX ) item XXXX ) is Corroborated on p. XXXX which shows XXXX XXXX own XXXX XX/XX/XXXX response to CFPB complaint XXXX and states : " Our office did not mail billing statements during the timeframe of XX/XX/XXXX, through XX/XX/XXXX, as billing statements were suppressed while the loan account payments were deferred. " ; XXXX ) Given item 1 ) and item 3 ), OR Given item 1 ) and item 4 ), OR Given item 1 ) and item 3 ) and item 4 ), a payment was not required for XXXX 2021 because the loan was in deferment ; 6 ) Given item 5 ) and/or item 1 ), the date of first delinquency is not 01 XX/XX/XXXX ; XXXX ) On p. XXXX first billing statement after exiting deferment is generated on or around XXXX XX/XX/XXXX ; XXXX ) On p. XXXX first billing statement after exiting deferment shows due date of XXXX XX/XX/XXXX ; XXXX ) Given XXXX ) and/or XXXX and XXXX, it is not possible for the loan to have been XXXX ( XXXX ) days or more past-due for the month XX/XX/XXXX and thus payment hist for XX/XX/XXXX is false/misleading/inaccurate and needs to be removed.
Product: Mortgage

My mortgage lender HSBC Beneficial is charging me 11.29 % interest rate and refuses to work with me to lower the rate. Even though I qualify for a 3.75 % mortgage from a HUD approved lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Dispute is detailed and related to the accounts listed in this letter. I am exercising my rights under FCRA 611 ( a ) ( 7 ) for you to furnish copies of all documents you used to verify the accounts listed within the 30 days allowed by FCRA law or delete them immediately.

If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a closed account with XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.
Product: Debt collection

After several attempts, I never received proof that debt belongs to me or that I agreed in writing to pay Innovative Recovery for alleged debt. I am unable to verify even the name of this company. Innovative Recovery reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) /FCRA, I have the right to request immediate validation of the debt Innovative Recovery says I allegedly owe. I am requesting proof that those named in the account are indeed the parties you are asking to pay this debt, and there is some contractual obligation that is binding them to pay this debt. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that any persons named on this account have any legal obligation to pay. For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The current balance. Any fees added by your agency. My original signature on the application from the creditor - my original signature on an application with your office consenting to any service.I will also inform Innovative Recovery that if their offices have or continue to report invalidated information to any of the three major credit bureaus or specialty bureaus, this action does constitute fraud under both federal and state laws. Due to this fact, if any negative items or marks are found or continues to be reported on any of the named credit reports by Innovative Recovery or the companies you represent, I will not hesitate in bringing legal action against Innovative Recovery and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put Innovative Recovery in serious legal trouble with the FTC and other state or federal agencies.Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and Innovative Recovery books. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Innovative Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me.