23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THEY ARE CALLING ME AND CALLING MY FAMILY SAYING THEY ARE FROM XXXX COUNTY AND I NEED TO CONTACT THEM BECAUSE THEY ARE GOING TO DISPATCH THEM TO PICK ME UP. THEY GAVE AN XXXX AND A CASE NUMBER OF XXXX. THEY ALSO SAID THEY ARE GOING TO CONTACT MY EMPLOYER AND SPEAK T MY SUPERVISOR. I CALLED THE NUMBER BACK AND THEY SAID THE PERSON THAT CONTACTED ME IS A LOCATOR AND THEY DON'T WORK FOR THEM. I TOLD THEM THEY CONTRACTED THEM AND THEY ARE NOT ALLOWED TO THREATEN ME OR MY FAMILY WITH JAIL OR LAW SUITS. 
THEYCALLED ME AND MY FAMILY ON XX/XX/21 AND THEN CALLED ME ON XX/XX/21, I TOLD HER NOT TO CONTACT MY FAMILY AGAIN AND AS SOON AS SHE HUNG UP WITH ME SHE CALLED MY NIECE THREE TIMES IN A ROW, SHE CALLED MY HUSBAND AND MY SON. HER NAME IS XXXX XXXX AND SHE SAYS SHE WORKS FOR XXXX COUNTY.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and saw multiple inquiries that I did not authorize. I submitted dispute but they didnt not remove the inquiries.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX XXXX Owed : {$0.00} DPEDXXXX XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$13000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDNELNET XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDNELNET XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

Phone call said a rebate available if I reloan with them. First was told {$10.00} by manager then when arrived told {$20.00} by another. When I call day before due was told {$45.00}. I CONFIRMED THAT a second time with the clerk. I assumed mistake made. I called next day BEFORE I left home and was told {$45.00}. I had a ton of paperwork to sign too ; then was given {$20.00}. I protested. Manager callEd her boss. I heard her LIE and said I wanted {$50.00}! She would NOT give me my paperwork back either. I will SWEAR in a court of law and take lie detector test. I was told {$45.00} three times.
Product: Credit reporting or other personal consumer reports

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next XXXX  days. I've attached the relevant documents for your reference.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Case No. XXXX Complaint Against XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , This letter is in response to the complaint identified as Case No. XXXX regarding XXXX XXXX XXXX 's reporting practices. I would like to address certain inaccuracies and provide clarification on my experience following the filing of my initial complaint. 

Upon calling First Progress to inquire further, I was informed by one of their agents that the account in question had been transferred to Resurgent Capital LP, effective as of XX/XX/year>. This transfer occurred after the filing of my complaint, and as a result, I reached out to Resurgent Capital LP at the number provided ( XXXX ). The representative at Resurgent confirmed that they had just received the account on XX/XX/year>, and thus were unable to report on the account at the time of my inquiry. 

Furthermore, I would like to bring to your attention that the information currently being reported on my credit file is inaccurate. Specifically, the name reported/connect to this account is " XXXX XXXX, XXXX which is not correct. This misrepresentation constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681e - Compliance procedures, which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In conclusion, I request that the CFPB address this issue and ensure that both the inaccurate reporting of my name and the overall reporting of the account are corrected in compliance with the FCRA. I also ask for a thorough investigation into whether XXXX XXXX and Resurgent Capital LP have followed the proper procedures regarding the transfer and reporting of this account. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Paid off debt then debt come on credit again after it was paid off fully to the debt collectors
Product: Credit reporting

My credit report is reflecting a Judgment from XXXX XXXX this a unverified Debt given that midland funding did not report this to you but a data Minor did there is a not a court in the country that verifies the stats of a Judgment. I called the Circuit court Myself they would not give me any information about the Judgment. Please Provide me with the name of the person verifying this debt because they will need to be prepared to tell a judge just how they Verified this information the court does not report this and does not verify the information Account number XXXX. My personal information was reported by a non- debt holder Aka A data Minor the Release of tax Number for this debt is XXXX XXXX XXXX Recorder of Deeds
Product: Credit reporting, credit repair services, or other personal consumer reports

This furniture company has kept furniture and not delivered it. I'm being billed for something I never received.
Product: Checking or savings account

On Friday XX/XX/2022 I visited my local capital one branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX to make a ATM deposit of {$400.00}. When I inserted my cash into the ATM the machine shut off and ultimately took the {$400.00} without depositing it into my account. I immediately went into the bank and spoke to a teller who stated That ATM is always giving a problem and you will have to call customer service as we cant help you because the ATM isn't affiliated with the bank. I was taken back by what the teller told me, but I went back to my car and proceeded to call the number that I was given to file a claim. After sitting on the phone for 35 minutes the customer service representative told me if I wanted the credit expedited I would have to contact the number back the following day and request it. On Saturday XX/XX/XXXX I did just that, I called to have to the credit expedited to my account. I was then told that the department was closed and Id have to call back on Monday when the department would be open. Today, XX/XX/XXXX I called Capital One once again to have my money expedited. The original representative transferred me to a supervisor who was very unprofessional may I add, I explained the situation to her and she stated that the claim for my provisional credit to be expedited would continue to be denied and when I asked her why it would be denied she stated no reasoning after getting off the phone after 1 hour I still have no insight on when I will be receiving my {$400.00}. No one at capital one that I have spoken to over the course of 3 days has been helpful nor given me any new insight on when my money will be credited to my account. This scenario is an inconvenience to my financials and not getting the help from my banking institution has not made this any easier for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion, XXXX and XXXX disputing unauthorized inquiries that are being furnished on my credit reports. XXXX immediately removed the inquires but I received a letter back from XXXX stating they were not able to locate my credit information and I received a letter from Transunion stating they were unable to verify that I was the one who sent the letter when I attached my ID to all XXXX letters. I am reattaching the letter I sent as well as my government issued ID.
Product: Checking or savings account

I opened an account with TD bank, apparently someone tried fraud on my account. So the account was closed. I had a XXXX payment sent to my number which was sent to that account. And TD would not send me the payment or allow me to access those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report. Specifically, I am requesting the removal of two credit inquiries that I do not recall authorizing. 

The first inquiry was made by XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull and I demand that it be removed from my credit report. 

The second inquiry was made by XXXXXXXX XXXX with account number XXXX. I have no recollection of authorizing this credit pull and I also demand that it be removed from my credit report. 

I believe that these inquiries have negatively affected my credit score and creditworthiness, and I request that they be removed as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I transferred funds and they froze my account. Never told me why. Now they are shutting my account down and they said that it will take up to 180 days to get my funds back
Product: Credit reporting or other personal consumer reports

It is my understanding that FCRA 605B obliges us to expunge any erroneous accounts from my credit file. Could you please inspect the paperwork? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I have called in and sent in a request to have my personal information updated 3 times total to XXXX, XXXX and Experian. XX/XX/year>, XX/XX/year> and XX/XX/year>. I have not received any change on my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 & XX/XX/2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Data from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute inaccurate information on my credit report and request its removal. I have reviewed my credit report and noticed discrepancies that need to be addressed. Below are the details of the inaccurate data : Account Information : Account Name : XXXX XXXX XXXX Nature of Discrepancy : invalid account After reviewing the information, I believe the data provided is incorrect due to resolution of dispute. As per the Fair Credit Reporting Act, I am entitled to a complete and accurate credit report, and I am requesting that you investigate and correct this matter promptly. 
Attached to this letter, I have included the following supporting documentation to help resolve the issue : XXXX. A copy of court findings. 
Please investigate this matter and remove the inaccurate data from my credit report as soon as possible. I would appreciate it if you could provide me with written confirmation once the correction has been made. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I posted on XXXX ( now known as " XXXX  '' ) that I was looking for XXXX XXXX concert tickets and an account with the username of XXXX XXXXXXXX direct messaged me that she had tickets to sell. She showed me a screen recording of the tickets to prove that she had them and told me they were {$160.00}. I sent her a zelle payment ( zelled to XXXX XXXX XXXX ) of {$160.00} Friday XXXX and she showed me that she 'sent ' the ticket to my XXXX  XXXX account ( so I could accept the tickets ) but it never showed up. She then said there was a 'transfer fee ' of {$100.00} which I zelle 'd as well ( so I sent her a total of {$260.00} at this point ) and it was emailed to my XXXX account, but I still had no ticket in my XXXX  account. I then asked her to just give my money back and she told me her uncle would email me a check for {$450.00}, " {$260.00} for your money back and {$190.00} for the trouble ''. I told her that I did not need extra money, just my {$260.00} back. Then the 'uncle ' emailed me a {$800.00} check and she told me he sent it to me so I can send it to her for her 'upkeep ' and I told her I was uncomfortable getting this much money from someone I don't know and she asked if I could deposit it and send it to her. I wanted to get over the situation so I deposited the checks to my account and once they were cleared, I sent her money and kept my {$260.00}. Both checks were deposited online on Monday XX/XX/XXXX : XXXX for {$450.00} and another for {$800.00}. She then told me to zelle her boyfriend the {$500.00} that was immediately available after the online deposit, zelled to XXXX XXXX XXXX. As the checks were pending, I called XXXX twice on Monday XX/XX/XXXX and spoke to XXXX different representatives to ask them if they can look into the checks and verify that they were real. I was told that they were real and money has been credited into my account. On Tuesday XX/XX/XXXX, the total amount was credited so I sent her the rest of the money via zelle to XXXX XXXX XXXX. On Thursday XX/XX/XXXX my account showed that the checks were altered/fictitious so I called XXXX again and was able to speak to the claims department to report the scam. I also called Zelle and spoke to a representative who was able to document my case and said they will look into it. In total, I have lost {$1500.00} and am seeking help to get my money back.
Product: Credit card or prepaid card

Hi I had stayed at a XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX and XX/XX/XXXX. The hotel had put a hold on my card, a prepaid card with XXXX XXXX XXXX card for {$110.00}. They immediately released it upon my checkout date, XX/XX/XXXX. I have been getting different answers from XXXX every single day as to why I havent received my funds back onto my card. One day, its 3 business days. The next day its 8 business days. Now its 21 business days! I am nearly penniless, and they say I may now have to wait until XX/XX/XXXX until I get my funds back. How is this legal?!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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, credit repair services, or other personal consumer reports

This wois placing fraudulent information in my credit history and current status.
Product: Debt collection

In XX/XX/2020 I ordered my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXcredit reports and identified a collection account in the amount of {$360.00} is being reported by a collection agency doing business as Credit Collection Services located at XXXX XXXX XXXX XXXX, MA XXXX. I initially disputed the account with the credit reporting agencies as not belonging to me due to the fact that I have not ever signed any legal contracts or had any credit accounts established with this company. The investigation into the matter with the credit reporting agency resulted in the account being listed as " verified ''. However, I never received any formal explanation detailing the nature of the investigation or a billing statement explaining the charges for the amount reported. On XX/XX/2020, I mailed a debt validation letter to Credit Collection Services requesting the company validate the debt and verify the account information reported to the credit reporting agencies. To date, I still have not received any response or proof from Credit Collection Services validating this debt as mine. Upon further investigation into the collection agencies right to perform debt collections practices in Alabama, I have found that the company is not licensed or registered with the Alabama Secretary of State and is not legally permitted to do business within the state, Ala. Code 40-12-80, which includes any attempts to collect debt. The company is in violation of the Alabama law and my rights under FCRA.
Product: Credit reporting

On the credit report of Transunion. IT shows the accounts of XXXX # XXXX and XXXX # XXXX of showing on my credit report. These accounts are not mine and have been reported to the police as fraud. I have also attached the police report to the dispute. Please remove the accounts from my Transunion credit report.
Product: Money transfer, virtual currency, or money service

A supposed XXXX customer agent transferred {$200.00} out of my Chime account using a XXXX XXXX XXXX submitted a couple of claims with Chime. They denied my claims saying no error occurred. I sent them correspondence between the supposed XXXX customer service agent and myself with the supposed XXXX customer service agent stating he needed my Chime card information to transfer the {$200.00} back into my account. I wouldn't give the supposed XXXX customer service agent that information because I suspected fraud. Chime Financial has yet to send me there findings determining there decision for denying my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent 3 forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have 20 addresses listed and 15 names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : 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: Debt collection

Requesting Merchants & Medical Credit Corp. to stop all calls via phone, I have attached the Cease and Desist letter which is also being mailed to them. 
I spoke to a representative today who made me very nervous threatening this debt will ruin my credit. 
I am not sure if I owe this debt therefore I am also requesting more i formation concerning it. 
Particularly the complete accounting and confirmation if Merchants & Medical Credit Corp.actually has the legal right to this alleged debt.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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