23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate. 
XXXX XXXX XXXX, XXXX {$280.00} Account was not proven how it was verified please delete. 
Not mine no knowledge XXXX XXXX XXXX {$1500.00} Account was not proven how it was verified please delete. 

XXXX XXXX XXXX XXXX Incorrect account number, balance is XXXX XXXX XXXX XXXX XXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX XXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Never Late, Incorrect Account Number XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Never Late, Incorrect Account Number XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Never Late, Incorrect Account Number XXXX XXXX XXXX XXXX No knowledge , not my account XXXX XXXX XXXX XXXX XXXX No knowledge , not my account These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete, and verifiable. I have also filed an official complaint with the Federal Trade Commission ( FTC ), a copy of which is attached for reference. l am requesting an immediate investigation and correction of these errors, as well as written confirmation that these items have been addressed.
Product: Credit card or prepaid card

WELLS FARGO BANK, XXXX XXXX, MD IS ISSUING LINE OF CREDIT CARDS BASED ON FALSE APPLICANT INFO, WHICH IS THE ACTUAL ADDRESS OF THE PERSON WHO THE ACCT BELONGS TO. WHEN. IT WAS EXPLAINED TO WELLS FARGO THAT THIS PERSON DID NO LIVE AT THE STATED ADDRESS THEY HAVE IN THEIR DATABASE, AND THAT NO STATEMENTS OR BILLS OF ANY TYPE WOULD EVER BE DELUVERED HERE, AND THAT THE PERSON WHO COMITTED THE FRAUD KNOWINGLY GAVE A FALSE ADDRESS ON A RECENT 30-60 DAY ACCT, IN ORDER TO SWINDLE WELLS FARGO BY RUNNING UP THE CREDIT LINE AND THEN HAVING ALL THE MAIL RETURNED ONCE THE CREDIT LINE WAS MAX OUT. THE BANK REP, DID NOT SEEM A BIT ALARMED NOR DO SOME AT WELKS FARGO, SUPERVISORS WHO WILL NOT FWD THIS TO THE FRAUD DIV FOR SOME STRANGE REASON. THE BANK IN QUESTION, WHEN TOLD OF THIS AND INFORMED THAT THE FBI WOULD B3 NOTIFIED BECAUSE OF PREVIOUS DOJ CASES IN WHICH THEY WERE FOUND GUILTY OF IN THIS EXACT AREA. HE HUNG UP AND NOW NO ONE AT THIS BRANCH ARE ANSWERING PHOMES
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is closed but still reflects 30 days past due in payment status and 30 days late after several disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX 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 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
Product: Debt collection

I received a letter from SELIP & STYLIANOU , LLP XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX, stating that I owe {$920.00}. Multiples companies have attempted to collect various amounts of this debt for about 15 years. The account was entered into judgement and was never served papers. Easily verifiable through the postal system. About 10 years ago, one of XXXX XXXX XXXX 's collection agencies withdrew about {$400.00} from my XXXX XXXX   account. At that time, I contested the validity of the debt and they're fraudulent practices against me and the banking industry. I never received a response. Now, in 2018, I receive another letter from XXXX XXXX XXXX certified mail that I owe {$920.00}. They have filed a court complaint docket no : XXXX and threatening to levy my wages from my employer. This is extortion and needs to be investigated immediately. Their bully tactics and predatory practices have gone on too long. This is my last hope before I contact a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING THE CFPB BECAUSE I HAVE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. THE ATTACHED COMPANIES SHOULD NOT HAVE MY INFORMATION LISTED IN THEIR DATABASE AND I WANT IT DELETED NOW. I HAVE A RIGHT TO ASK A COLLECTION COMPANY TO VALIDATE A DEBT AND THESE COLLECTION COMPANIES DID NOT SEND ME ANYTHING AND GIVE ME MY RIGHT TO CHALLENGE THE DEBT. THIS DEBT DOES NOT BELONG TO ME AND I AM ASKING FOR THE CONTRACT I SIGNED WITH THEIR COMPANY THAT GIVE THEM THE RIGHT TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. UNDER THE FDCPA THEY SUPPOSE TO GIVE ME A CHANCE TO CHALLENGED THE DEBT AND THEY HAVE NOT. THEY IS IN VIOLATION OF THE FCRA BECAUSE ALL THE INFORMATION IS CORRECT. I WANT THEME TO SEND ME A CONTRACT AND NOT A BILL THAT I SIGNED WITH THIER COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # DEPT OF ED / XXXX, Account name : # XXXX, Account name : DEPT OF ED / XXXX # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION, DEPT OF EDUCATION XXXX, XXXX XXXX XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  has placed on my credit report of missed and late payments from 2016. First of all this is not supposed to be on my credit report it is too old. Second there are no lates or missed payments and this needs to be removed from my credit report.
Product: Student loan

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$870.00} and Lockhart Morris & Mont, on XX/XX/XXXX in the amount of {$1400.00} added a derogatory mark on my credit report per XXXX XXXX, Upon Further research the accounts were transfered/ soled and I am no longer responsible for the account. Debtor 's creditor did not verify this collection, also there was NO written form of communication, contract nor signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mines. According to the FCRA ( Fair credit reporting act ) XXXX XXXX has violated my rights as a consumer and I am requesting legal action to have these accounts be removed immediately.
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint! UPGRADE INC. Dear Sir/ Madam, I am writing to formally demand that you Cease and desist all communication with me regarding the alleged debt reference under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, a d I will take all necessary legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not contacted Equifax, because they have no contact information. 

My complaint is against Equifax and the 143 million credit records that were hacked. I fear all my personal financial/identification has more than likely been compromised ; yet, Equifax did not make this hacking public until 30 days after the fact giving Equifax executives time to sell their stock in the company. 

Equifax has offered no solution, protection to the individuals that they collect information about. I kindly request that the Consumer Financial Protection Bureau hold them accountable - personally and financial to any of us that have been put at risk. 
Thank you.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXXXX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In XXXX Cash App sent a XXXX for the 2024 year to me for about {$5000.00} within 235 transactions. The last time i used cash app was one time in XX/XX/year> for a friend to send me {$5.00}, nothing in my history on the app shows anywhere near {$5000.00} being spent on business transactions. 

When i try to log into my account I am told it is disabled for violating terms. I contacted cash app on XX/XX/XXXX via phone and they mentioned all they can do is file a case and that takes 30 days. I heard back on XXXX that my account has been disabled and they provided no info or additional help about the case i actually filed. I responded bac on XXXX asking they send a corrected XXXX because my account does not have any transactions totaling more than {$5.00} for the year. 

Attached are all the documents proving the accuracy of my statement above. 

However, what has been discovered is that cash app does not use a unique identifier for accounts such as a social security number so anyone who has found my info on the dark web in a data breech can use my info to open an account, leaving me on the hook to cover the taxes on their transactions as this is a legal IRS document. 

Something needs to be done to assist consumers as what they have created is a scammers paradise.
Product: Credit reporting or other personal consumer reports

On, XX/XX/XXXX I requested a copy of my credit report from all credit reporting agencies. I received my credit report from all agencies to check for any clerical errors that may have been created without my consent, only to discover the agencies reporting inaccurate information on my credit report. The reported names are inaccurate, addresses reported inaccurate. In XXXX of XXXX, I disputed all inaccurate information with XXXX, Equifax, and XXXX agency, without receiving remedy. Reporting inaccurate information is a violation of consumer rights, 15 U.S. Code 1679c - Disclosures : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified erroneous accounts that are negatively impacting my credit score. I am asking for your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report. I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}. I am requesting that you investigate the matter and take the necessary steps to remove the charge off accounts from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

Cease and Desist Demand and Dispute of Debt Account Number - XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the debt referenced above, which you claim I owe. I request that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that you provide : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A detailed explanation of how the debt amount was calculated.

4. Copies of any documents showing that I agreed to pay the alleged debt.

5. The name and address of the original creditor, if different from the current creditor.

Until I receive this validation, I consider this debt to be in dispute.

Furthermore, under 15 U.S.C. 1692c ( c ) of the FDCPA, I formally demand that you cease all communication with me regarding this alleged debt. This includes phone calls, letters, emails, or any other form of contact. The only exceptions are communications required by law, such as the validation of the debt as requested above.

Please be aware that failure to comply with this cease and desist demand may result in legal action against your company. I expect your immediate compliance with this demand and that all collection activities cease immediately.

Thank you for your attention to this matter.
Product: Vehicle loan or lease

On or around XXXX XXXX my bill payment company mailed a Check with the amount of {$520.00} for XX/XX/XXXX car payment .It was never applied to my account until XX/XX/XXXX causing me to receive negative remarks to the credit bureaus and being charged a late fee on XXXX XXXX in the amount of XXXX.
Product: Debt collection

This debt has been sold and therefore the original debtor holds no contract with me. This debt is held without my knowledge or consent and I have never entered into any contract with united revenue corporation.
Product: Credit card

I want my credit card canceled. Ive called them twice to do just this, and they tell me that theyd cancel it and send me notification or proof of doing so, but I havent received anything confirming the cancelation. Instead, I receive product promotions from the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX 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  XX/XX/XXXX DOB : XX/XX/XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$770.00}
Product: Mortgage

My home went through foreclosure with XXXX XXXX XXXX on XXXX. The law firm that handled the foreclosure was Reisenfeld and Associates in XXXX, OH. The judgment amount entered on the defaulted mortgage was {$290000.00} ( attached ). The property was sold at auction on XXXX for {$340000.00}. This left a surplus of {$54000.00}, of which I am entitled to. Reisenfeld and Associates issued a demand for {$320000.00}, with no accounting to support the {$35000.00} increase. They issued the demand direct to the XXXX XXXX XXXX and they were paid the {$320000.00} direct. They have ignored my inquiries and calls regarding this issue. I have collected the {$18000.00} left over with the help of my attorney. I am seeking help recovering the {$35000.00} of equity the was wrongly stripped away by Reisenfeld and Asssociates. They violated HUD loan servicing law and have fraudulently distorted the the accounting on my loan.
Product: Credit card or prepaid card

Since XX/XX/2018, I have been getting late fees added to my AMEX corporate account. This is a card that my company pays in full every month. Unfortunately, AMEX can not substantiate why or where the fees originated. According to them, I owe over {$420.00} in fees, but they can not tell why. 
Every month they add {$39.00} to my billing statement now adding up to {$270.00} from a {$78.00} so called debit charge that they nor I can explain. 
I called again last night XX/XX/18 at XXXX and neither XXXX or her manager XXXX were able to provide me any guidance on what's going on. Including, XXXX had me on hold for more than 30 minutes saying that they could not retrieve my statements due to a slow internet connection. Moreover, I then requested a call back to review my statements and never received one. 
They know I have excellent credit, therefore, they do not waive those fees because they I dont want to ruin my credit. They are taking advantage of my situation even though they can not explain why or when these charges were initiated.
Product: Credit reporting or other personal consumer reports

This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}