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

This is my XXXX 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, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00}
Product: Mortgage

I just wanted to make you aware of a recent mortgage payment I made to Wells Fargo ( WF ). I've had my home mortgage at Wells Fargo from the beginning, 11 years now. I've mostly paid more than the mortgage by XXXX or XXXX. WF always applies the extra money to the principal. My mortgage payment is XXXX. The last 5 months, I've been paying a large amount to principal because I want to pay off my mortgage. I paid XXXX for XX/XX/XXXX mortgage. WF put XXXX towards XX/XX/XXXX principal and applied the rest to XX/XX/XXXX & XX/XX/XXXX mortgage payment. I called on XX/XX/XXXX and talked to XXXX at WF. She corrected the issue and said the computer assumed I wanted to make an extra payment with the extra money instead of apply it to XX/XX/XXXXprincipal.
Product: Money transfers

I paid XXXX XXXX $ 30USD for computer/Internet related services. He was to log into my game account and tweak my " game '' to give me better options and play. He took the money but never delivered the services. The payment was made with my XXXX XXXX card via PayPal. I attempted to dispute the charge with both PayPal and XXXX XXXX but neither would help because they do not recognize the transaction as being for " goods and services '' XXXX XXXX is a freelance gamer who accepts payment via PayPal. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXXXXXXPayment amount : ( in currency funded ) - {$30.00} USDYour fees : - {$0.00} USDYour total charge : - {$30.00} USDPayment amount : - {$30.00} USDXXXX XXXX fees : {$0.00} USDXXXX XXXX receives : {$30.00} USDDate : XXXX, 2015Time:12:48:38 PDTStatus : CompletedFunds will be available to your recipient on or before : XXXX, 2015Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$30.00} USD to XXXX XXXX with PayPalFunding Type : Instant TransferFunding Source : {$30.00} USD - XXXX XXXX XXXX Checking ( Confirmed ) XXXXBack Up Funding Source : MasterCard Debit Card XXXX
Product: Credit card or prepaid card

Chase has charged off my account ending in XXXX and reported derogatory information to credit reporting agencies resulting in the loss of more than {$30000.00} in credit and the loss of employment. 

The account was not delinquent or owing in anyway. In fact, Chase owed me nearly {$1000.00} in Rewards Points which I was prevented from receiving. 

The money Chase alleges to be owed on the account was the balance remaining from charges I had timely and appropriately disputed, which Chase did not investigate and for which Chase ignored all appeals on my behalf to investigate/reinvestigate. 

One portion of these disputed charges involved a company against whom I had filed a Federal complaint, the company has since been sanctioned and closed. Chase gave them my money despite my clear and timely dispute. Chase did not review my documentation or investigate my claim. 

A second portion of the disputed money involved a merchant with whom I had disputed several items, none of which I received. Chase inexplicably provided credit against only a portion of these items, never demonstrating that the other items were delivered. Chase didn't investigate this dispute. 

Chase ' failure to accurately and authentically investigate multiple disputes is the sole reason my account appeared to be unpaid. I have no obligation to pay for items I never received and legally disputed. Chase ' actions are illegal in light of their failure to investigate my disputes. 

Chase has defrauded me of nearly {$1000.00} in rewards points I earned by using their card as described. Chase has caused me considerable damages in credit worthiness and employment options. 

Chase actions are in violation of credit card laws and they should be restricted from further business activity in the banking or credit industry.
Product: Debt collection

I'm just sick and very stress out to what has happen to me, I lost my Husband 5yrs. ago and I am a XXXX. old senior just trying to live and work and take care of my self, I have poor health. and trying to move into a low income senior apt XXXX Now am I find out The dept. of Ed. is Garnishing my pay, i can hardly pay my high rent and pay other bills. 
I keep ask what school is this, I didn't apply to any school, a couple of yrs ago I was inquiring about online, but back after 2 weeks, because grandson passed away he was XXXX. and they said it was find, I forgot the name of the school but they have all my information, I never got any thing from them, no books nothing, Now they are charging me over {$5000.00} for something I didn't do, And they said there would be no charge to me. 
I don't know what to do, someone got my information and use it and take food from and making me homeless, I sent every bill I owe, to the debit dept. and they said 30 days XXXX60days XXXX I can't wait that long, I really need someone's HELP PLEASE I have no one, I need this to stop NOW, I can't even help my grandchildrens
Product: Payday loan, title loan, or personal loan

This company has continuously been calling my phone, emailed me with semi threats of garnishments : Ive paid the money that I originally borrowed. I am currently not working. They shouldnt be able to do people this way with the harassing behavior
Product: Debt collection

My family owned a business called XXXX XXXX. The ownership was split 3 ways between myself, brother, and father. I left the business in XXXX and part of my departure was court documents stating and signed off that I had no responsibilities of any debt owed by the business before I left or after. My father and brother filed BK in XXXX of XXXX and I was contacted by a company called XXXX XXXX XXXX which floor planned cars for the company. They had a balance owed of XXXX. I spoke with a representative on XX/XX/XXXX regarding this balance and how it could be handled. She could not get a hold of my father or brother so I provided her with whatever I could to contact them. I sent her court documents showing I was not responsible for the debt. She stated I had signed the contract in XXXX and regardless of any document it would not relieve me of the debt. Since XX/XX/XXXX I have not heard a peep from them or collections. No mail, email, phone call etc. I got an alert the other day that my XXXX XXXX had dropped. I logged in and they slapped me with the XXXX debt in XXXX and it hit my bureau XX/XX/XXXX dropping my score almost XXXX points. I find it hard to believe that with no contact or warning that this is possible. I have made contact with them but have been unsuccessful so far. I had not worked at the store which is no longer open in almost 5 years and I have this collection on my account that I literally have XXXX control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX,2025 XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information and Failure to Properly Investigate Dear CFPB, I am writing to dispute the accuracy and completeness of the information being reported in connection with the following account : Credit Acceptance Corporation The account contains the following inaccuracies and inconsistencies : 1. Alleged Debt Validation : The reported debt balance and status have not been properly validated or documented. As per the Fair Credit Reporting Act ( FCRA ), creditors and reporting agencies are required to furnish accurate information backed by verifiable documentation. In this case, no such evidence has been presented to substantiate the alleged debt.

2. Inaccurate Payment History : The payment history reported for this account contains erroneous entries, such as continuous past-due notations, improper repossession markings ( in the case of auto loans ), and other conflicting information. These inaccuracies result in an unfair representation of my financial responsibility.

3. Failure to Investigate Previous Disputes : Despite prior requests to investigate the alleged debt and correct reporting errors, there has been a lack of effort to thoroughly verify the legitimacy of the account, in violation of 15 U.S. Code 1681i ( a ). This negligence undermines my rights as outlined in the FCRA.

Request for Immediate Action In compliance with my rights under 15 U.S. Code 1681i ( FCRA ), I request the following actions : 1. Investigation : A full investigation into the accuracy and legitimacy of the information associated with the account.

2. Verification : Documentation validating the accuracy of the reported
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Certified Mail XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

LVNV FUNDING LLC ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, XXXX XXXX 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
Product: Student loan

I am part of XXXX My federal loans should have been forgiven, which they were, and a refund for all payments made, which has not happened. I have contacted Mohela several times about this issue. I started calling once I received my letter then my loans were indeed forgiven due to the lawsuit. I have reached out to Mohela, and my call log is as follows : XX/XX/XXXX min - refund amount was given by the agent. She indicated she has also confirmed with her supervisor, and told me a specific amount, down to the cent. It was just over {$26000.00} that I should expect for my refund. 
XX/XX/XXXX minutes - Agent not able to see info has been sent to DOE - 90 day minimum XX/XX/XXXX, 7 minutes - Agent states no updates - request for clarification on refund submitted XX/XX/XXXX minutes - Agent states no updates XX/XX/XXXX minutes - Agent states no updates XX/XX/XXXX, 6 minutes - Agent states no updates XX/XX/XXXX - Agent states no updates - minimum of 90 business days for info to be sent to DOE, so I should expect that to be complete by XX/XX/XXXX at the earliest. Then another 90 business days for the info to be sent to DOT, so expect a minimum of about 6 months for any updates. 

I should have already been made whole, and sent my refund. Why was the 1st agent able to give me my specific refund amount, and no one else was able to see it? Why has it not been sent to me?
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. 

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 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 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 XXXX 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: Debt collection

Hello, I have contacted AWA Collections on XX/XX/2021, in regards to ( 3 ) three separate accounts showing on my credit report for a debt collection. One of the accounts shows a balance of {$130.00}, the second account shows {$120.00} balance, and the third in the amount of {$97.00}. I explained to AWA Collections that i do not owe this debt, nor have I ever received anything in the mail. The representative stated that they have this on record as a debt and they will keep it on my credit report. I asked him to provide me proof of the debt and advised him to remove all three collection accounts that they are reporting from my credit report. He wasn't willing to provide me proof of the debt belonging to me and he demanded payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account on my file that I have never done business with from XXXX XXXX XXXX XXXX XXXX I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a credit increase with CapitalOne but they keep denying me cause there is a Pending Legal Action against me. Ive called CapitalOne and they have no idea or information about the pending legal action ; I also called the credit bureaus and they also dont have any information and I also check through the court of courts for any liens, judgements, etc. and I have nothing. I dont know what else to do- can someone please help me out with this sticky situation I am currently in? I will highly appreciate it, thank you in advance!! 

Sincerely, XXXX XXXX
Product: Debt collection

I requested debt Validation from XXXX XXXX XXXX XXXX that represents Flagship Credit Acceptance and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but Flagship responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking Flagship to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.
Product: Consumer Loan

I have a creditor on my credit report that is reporting conflicting information. I have attempted several times to dispute the information with XXXX but they refuse to dispute it any further. The company is Wilshire Commercial XXXX also goes by Westlake it reports my account was opened on XXXX then reported since XXXX. Not sure how it has a report since XXXX but not opened in XXXX. Information listed below. 
Credit Items WILSHIRE COMMERCIAL CAPITAL Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Discharged through Bankruptcy XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Auto Loan Terms : 24 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$3100.00} High Balance : NA Recent Balance : {$0.00} Recent Payment : {$0.00}
Product: Debt collection

This company was previously removed from my credit report due to several inaccuracies and FCRA violations. They have written me again continuously trying to collect a debt not owed. The verification of debt they have sent is not the original purchase agreement and they also do not have the correct information such as my legal name, phone number or address. Furthermore, this financial institution does not have my written consent to disclose my personal information to any third party neither did the original creditor which makes this a violation of the FCRA according to 15 USC 6802 ( b ) ( 1 ) ( B ).
Product: Credit card

My account was closed recently for XXXX returned payments on another account. One of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I applied online for capital one auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over XXXX mins
Product: Debt collection

I have done all 3 credit bureaus " debt validation " which was a joke!.

I want verified debt history of this collection account with notarized documentation of XXXX XXXX XXXX ownership. AND PAYMENT HISTORY.

FCRA & FDCPA VIOLATION!

THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 


XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I just noticed that in2016, Citibank paid consumers because of fraudulent activity with Credit Card Protection. They are doing that same thing to me, now. I took the Protection, and just today find it is through XXXX XXXX XXXX. Between 2016 and today less than {$600.00} has been paid on the acct. I called Citi, they will send a statement from 2016 but said acct has gone to collections, how can that be when I still pay for protection. They will not permit me to have access to this acct on line, and I tried two years ago and they said no. Wont send me an up to date statement and XXXX XXXX wont say what they pay or what I am paying them for this Payment Safeguard program. This is Fraud. Someone needs to go after them again, this consumer seems to have no rights. I am to the point I am not going to pay Citi, unless I get answers. Can you help.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over XXXX  days I will be suing Equifax in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c XXXX - Block of information resulting from identity theft XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
XXXX, 15 USC 1681i XXXX XXXX ), 15 USC 1681e XXXX XXXX ) XXXX Equifax Account XXXX XXXX XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX XXXX, Equifax is XXXX to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( XXXX ) XXXX 15 USC 1681e ( b ) XXXX Delete account immediately. This account is fraudulent and has to be XXXX!!!!!