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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

i asked the JC Penny store employee if there were any instore coupons i could use for my purchase, she said no but said if i sign up i can save on my purchase, i was under the impression it was a rewards program i was signing up for, a few mins after i left the store i received notice on my phone my credit was ran by JC Penny, i then called called JC Penny and explained the employee never explained that it was a credit card or i would never had signed up because i don't frequent the store enough to want a credit card from the store i thought it was a rewards program, so when i got the notification on my phone asking if i tried to apply for credit i checked no.
Product: Credit card

I had recently opened a new account & reached out to Wells Fargo to open a dispute for a charge posted on XX/XX/2023 in the amount of {$3000.00} against the merchant XXXX XXXX and the payment processor XXXX. I had opened this dispute as I had returned merchandise to the Wells Fargo had originally provided a provisional credit on XX/XX/2023 which they later reversed their decision and rebilled my account. The reason given behind this was no proof was provided that the merchandise was returned to the merchant hence why a refund could not be issued. They had also provided some documentation that I had seen previously which did not support their stance at all as Ive refuted this previously in a Dispute Letter that I had provided to them which Ive attached again. 

Throughout the documentation provided by the merchant and payment processor they both had been vague, misleading and withholding information to which I had pointed out to Wells Fargo which should have been a red flag in the first place. First XXXX had been claiming a refund was issued which was untrue as they billed me again and this was especially the case with the merchant blatantly lying that gave the tracking history which showed nothing ever been shipped as they were very clever to show information that was erased as XXXX removes this information after a certain amount of time which I had to pay out of my own pocket to obtain the archived tracking information. I had provided to Wells Fargo a detailed letter with plenty of documentation that served as proof for not only the package being dropped off at my local post office, but the weight, address and label matching everything that the merchant had given to me to return the merchandise. 

Ultimately on top of the drop-off receipt that clearly is an indication the package was returned and being handled by the shipping carrier XXXX, XXXX had given the archived tracking information which I had recently given to Wells Fargo that shows that the package last update was UNABLE TO DELIVER OR RETURN, SENT TO MAIL RECOVERY CENTER. When you refer back to the shipping carrier website on further information regarding this status which indicates that the package being no longer available & the package is unable to be delivered nor returned back to either the merchant or myself. Now I had sent the package back to the merchant and given the proof of drop off to Wells Fargo along with the last update on the package, so if the merchant had insured the package/label then they should be able to file a claim to get their money from XXXX however if they hadnt then the burden of that irresponsibility falls upon the merchant. The merchant also never addressed if such an issue was to arise who would bear the burden of a lost package as its nowhere to be seen even in their return policy.
Product: Credit reporting or other personal consumer reports

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 XXXX ( 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: Debt collection

XXXX XXXX XXXX Act. number XXXX XXXX XX/XX/year> They could not provide me with the original contract. I asked them for the purchase agreement of the debt and XXXX with the original creditor, verifcation of the last payment missed. They could not provide me with any information, and nothing had my signature on it, they could not validate the debt. Codes 15 USC 1692g and 15 USC 1681c-2.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 i was supposed to recieve certain goods from a guy who scammed me through ... I have the entire agreement and that i never received wat i purchased ... The guy stole my money and blocked me everywhere and it seems im helpless to recover my money ... I contacted paypal and the told me there was no unauthorized activity on my account ... Well if i didnt get wat i paid for wat should i call it ... I need help in recovering my money through paypal from that guy and i got all the proof ... Paypal just doesnt care ... I dont have money to just throw around ... Please help me ... Paypal aint right at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  are incorrectly reporting a bankruptcy discharge on my credit report ( XXXX ). It shows status discharge as of XX/XX/2021. However, that is not correct and I have requested this item be deleted until it could be corrected. 

The item in question was discharged XXXX of 2021. This error will further delay my ability to cycle a clean slate. Neither credit reporting agency has updated or deleted the file.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I reached out to The CRA about an address that needs to be removed and blocked on my credit report as a victim of identity theft, they stated the address was removed Today when I pulled my report the address is still there Please block and delete the following address from my report : I am not affiliated with this address and I am a victim of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please see my attached FTC report.
Product: Debt collection

Pinnacle Credit Service keeps illegally reporting a collection account on my credit reports. This debt is past the statue of limitations and Pinnacle refuses to validate the debt because they have no information regarding this debt. I 've called the original creditor and they have no record of this debt being sold to pinnacle credit services.
Product: Debt collection

I just received a summons regarding being sued over an old credit card debt which appears to have been sold to another company. 

My husband and I are both permanently XXXX, and our only source of income is judgment-proof SSI and Social Security. We are unable to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma says you are approved for a credit card, personal loan, and it will help your credit score. It doesn't help you or your credit score. It damages it. I made a complaint to Credit Karma in reference to this matter. They failed to respond to my complaint. I joined credit karma to build my credit, an the score. But everytime someone looked at my credit, my score would go down by XXXX or XXXX points. They use deceptive wording to draw you into applying for a credit card or loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccuracies Dear Equifax I am writing to dispute the inaccuracies listed on my credit report for the account XXXX XXXX XXXX account number ( XXXX ) I have notice several inaccuracies and incomplete information on this account. 

Violation of Fair Credit Reporting Act ( FCRA ) The FCRA mandates that credit reporting agencies maintain accurate and fair credit reports. However, the charge off listed on my credit report contains several errors, including incorrect dates, amounts, information. These inaccuracies have a significant impact on my creditworthiness and are in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX ; XXXX XXXX XXXX XXXX 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 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 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: Student loan

There were several student loans taken out in my name in Texas. Starting in XXXX of XXXX I live in TN and I am XXXX XXXX XXXX and have never been to or even attempted to go to college. I called the company ED Financial to find out what was going on and they informed me that someone was using my information in order to attend a school in Texas. I am not sure what else I need to do regarding this. I have contacted Fafsa and they are working on trying to figure this out as well as get me access to the account that has been created so that I have more information. They have taken out over XXXX XXXXXXXX XXXX in student loans.
Product: Credit card or prepaid card

I was incarcerated XXXX of last year and card end up stolen while incarcerated fraud charges had occurred and account closed and now nobody at the bank/? card issuers cant help nor get information about how to fix the problem
Product: Debt collection

Approximately two weeks ago ( week of XX/XX/2020 I began receiving robo-calls from Midland Credit Management. They called several times throughout the day and evening, using many different telephone numbers ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ). In picking up one of their calls on Wednesday, XX/XX/2020, I explained to the person that I had already made arrangements with XXXX XXXX XXXX about the balance and was paying them directly. The person became argumentative and I told them not to call me again and any questions should be directed to XXXX. However, the calls continue to come in no matter what I do on my end.
Product: Debt collection

continually contacts my employers phone after being told several time that it was a business phone. Additionally, calling third parties ( my parents ) and disclosing that I owe money
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing 5 late payments on the page that shows my credit score. I do not have any late payments. I contacted them Friday XX/XX/2022 and spoke to the disputes department and the department that handles my personal web page. Both departments can't find any late payments and just kept referring me back to each department. The 5 late payments is still showing and they will not take it off.
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 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
Product: Debt collection

Genisis Credit management company contacted me roughly seven months ago, claiming I owe a debt of XXXX to my former residence at XXXX XXXX. I have since then requested that they sent documentation by email validating this claim. They still have yet produced any form of proof. I have let them know that I am willing to uphold any financial obligations I have attained, However I know that I have already paid in full all rent/utilities/damages, before my move-out date. XX/XX/2021. I have on multiple occasions been spoken too with disrespect by one debt collector in particular by the name of XXXX. The most recent conversation went the worst, he essentially told me to pay them the money so I could get them out of my hair. ( XXXX ) He has also laughed at me several times when I state that I was paid up upon move-out. The company does not call me wanting resolution. I am the consumer requesting documentation so that we can resolve the matter and get it removed from my credit.
Product: Student loan

When attending XXXX XXXX XXXX XXXX XXXX during XXXX, private loans were taken out using my information but were never disbursed to my account and I did not receive the funds. A online application was completed with no proof of my knowledge. During these years there were allegations of school misconduct with the financial aide department and misleading funds and I was a victim of such. After graduation, I was held responsible for these loans, and I have been on a constant fight in reference to getting the loans removed through Navient. Navient refuses to remove the debit even though they have no documents to support, I actually received the loan. When contacting XXXX XXXX XXXX XXXX XXXX, I am told they do not have any physical or online financial documents from those years due to a software system merger with XXXX XXXX XXXX XXXX XXXX  and they are unable to provide my balance sheets or any financial aid documents. The loans are through Navient and are as such : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  Originally {$40000.00} XXXX  XXXX XXXXn XXXX XXXX  | Originally {$9300.00} XXXX  XXXX XXXX XX/XX/XXXX | Originally {$4100.00}. 


In addition during this time, I was a victim of fraud and the documents they provided did not have a valid signature and the information on the application was not viable. 

Lastly, Navient has Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting.
Product: Debt collection

I have been receiving letters and calls from XXXX funding about a debt they claimed I owed. A few years ago, I asked them to provide proper validation that it was mine ( a statement from the original creditor or even the signed agreement that I signed up or agreed to the credit ) but they could not do so, so I requested they remove the collection from my credit report and they did. 

Then it looks like they sold that debt to Capital Management Services , LP and they are now claiming I need to pay THEM. When does this end? The alleged debt from what XXXX told me, was from YEARS ago supposedly ... is n't there a Statue of Limitations on how long they can keep contacting me and threatening me to pay them this debt? Please help ... this is not mine to owe.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

Below are inaccuracies that I would like to dispute and remove from my credit profile. 

Employment Information : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX, XXXX, NY, XXXX, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Phone Numbers : Please be advised that any phone number listed on my credit report, other than XXXX is inaccurate and does not correspond to my contact information. I request the immediate removal of any erroneously reported phone numbers that are not associated with the provided correct number. Please remove all other numbers other than the one listed here. 

Please update my current employment to XXXX XXXX I request a comprehensive investigation into these inaccuracies and the subsequent removal of the disputed information from my credit report. I understand the importance of accurate reporting for maintaining the integrity of credit profiles, and I am committed to ensuring the correctness of my personal information. 

To facilitate the investigation I have attached supporting documentation that verifies the accurate details of my employment residence, and contact information. I kindly request that you promptly review this dispute and provide written documentation for the corrections made to my credit report I appreciate y our attention to this matter and anticipate a timely resolution. Please provide a written response with the statutory period, as per the Fair Credit Reporting Act, Confirming the removal of the inaccuracies from my credit report. Thank You for your prompt attention to this matter.
Product: Credit card or prepaid card

My quicksilver card ending in XXXX has an XXXX XXXX membership as a free benefit. The terms state I am to charge the membership to the card, and it will automatically be credited. I set this up but have been charged 5 times and only received credit for 4. I am owed an additional {$9.00} that Capital One needs to credit.
Product: Credit card or prepaid card

On XX/XX/2021, I am a NJ resident, and I purchased a used vehicle and warranty from a dealer in PA. I put the down payment of XXXX on my American Express and completed the paperwork to pay via auto loan. I had the car for a week ( XX/XX/XXXX ) and was actually on my way to the XXXX XXXX XXXX vehicles when the car shut down in the middle of traffic. This nearly caused another car to hit me in the back. I was able to get the car towed to a XXXX dealership and found that the car had a recently replaced lever which was seated improperly and therefore the axel needed to be replaced. They also found metal in the transmission and advised me it would cost XXXX to replace. 
I contacted the dealer and asked them to take back the car and to cancel the deal. ( This was all through texts which I still have. ) Initially they refused and I called American Express and reported the purchase as a dispute since items were not sold to me in the condition promised. When the dealer received notice of my dispute, he agreed to take the car back and to cancel the auto loan deal. They sent me proof of this, and I forwarded this info to American Express. 
First, American Express returned the funds to the dealer stating the dealer advised them I had no warranty. When I resubmitted the complaint and provided the same proof again and confirmed they received it, they reopened the complaint. 
A few weeks later they gave the funds back again claiming they have no proof that I no longer had the vehicle. When I sent in proof showing I no longer had the vehicle they reopened the complaint again. 
A few weeks later they closed the complaint again and sent the funds to the dealer again claiming I did not allow the dealer to get the car when I first filed a complaint. I submitted more proof showing them text between the dealer and myself proving I asked the dealer to take back the car repeatedly and the dealer only agreed after I submitted my dispute with American Express. 
During this whole back and forth, I also uncovered the XXXX which also showed the dealer lied about the mileage on the car. I also submitted this proof to American Express. 
At this point they are just wasting my time. I believe this credit card company is finding in favor of the dealer because the dealer advised me, he was a black card holder with American Express and had been with them for a long time. He brought this up unprompted when I presented my American Express for down payment. 
It makes no sense that I am expected to pay American Express for a vehicle I do not own or have in my possession. The car was taken back and the auto loan was cancelled and I proved the vehicle was not in a condition congruent with used car laws of PA.