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

I am disputing the negative items listed on my credit report as they do not belong to me. I have thoroughly reviewed my records and can confirm that these accounts are either incorrect or do not match my personal information. 
I request that these inaccurate entries be removed from my credit report as soon as possible. I have attached supporting documentation to verify my identity and demonstrate that these items are not associated with my credit history. 
Please investigate this matter promptly and update my credit report to reflect accurate information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$17000.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on TransUnion regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account on XXXX regarding the missed and late payments. I disagree with your investigation results. Please provide proof of the negative payment history, or remove the incorrect information from my report. 

INQUIRIES : XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> The items listed are not associated with my credit history and do not belong to me. I request that these accounts be fully investigated and removed from my report. Despite previously reaching out to both the credit reporting agency and the data furnisher, the issue has not been resolved. Attached are supporting documents and screenshots of my credit report to help verify my claim. Please investigate this matter promptly and update my credit report accordingly.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding a series of mishandled transactions and lack of resolution on my Betterment checking account. The details of my concerns are as follows : On XX/XX/year>, I received an email abruptly terminating my client agreement with Betterment, citing that your platform and services were deemed not suitable for my needs. At that time, my account balance was XXXX XXXXXXXX, on XX/XX/year>, I received a request to upload a valid U.S. government-issued photo ID due to the large dollar amount in my account. I complied promptly.On XX/XX/year>, I was informed via email that XXXX had determined deposits from XXXX into my account were fraudulent and were being recalled by the card processor. Consequently, my account was locked to prevent a negative balance until the funds were recalled.Despite my assurance and evidence that the transactions with XXXX were XXXX had booked and subsequently canceled ticketsthe account remained locked.On XX/XX/year>, I discovered a debit transaction dated XX/XX/year>, labeled " XXXX XXXX XXXX XXXX, Debit to offset Issuer Dispute XXXX Returns '' with a withdrawal of {$15000.00}. This transaction occurred without my authorization or notification, further exacerbating the situation.Despite numerous attempts to seek clarification and resolution from Betterment, including providing evidence from XXXX confirming the legitimacy of the transactions, I have received no satisfactory response or action.In a statement XXXX bank responded to FDIC complaint XXXX, the bank stated that " all the remainningrefunds in you account at the time of closure have been issued back to XXXX due to the dispute processed through Visa ''. However, in another statement betterment responded to XXXX complaint XXXX, XXXX stated that " on XX/XX/year>, out partner bank XXXX sent XXXX a letter confirming that the funds previously held in you account were returned to you via check through the dispute filed by XXXX via XXXX. XXXX and betterment has contradictaryconclusion on the same issue. XXXX stated that the money returned to XXXX and the other one stated that the money returned to myself via check. I do not receive any refund from XXXX or XXXX or XXXX for the resolution. Further, neither XXXX nor XXXX 's statemtnsalign with the record in the chekcingstatement, which stated the money was transferred to the so-call " internal to program reserve ''. I have requested many times for the proof of the money, which has been transferred to XXXX in their statement, betterment never provided that kind of evidence.
Product: Debt collection

They called at least five family members on Friday XX/XX/XXXX then again Monday XX/XX/XXXX. They have my address, read my address to everyone they called. They keep calling the same people asking for my place of employment and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Account # XXXX Debt Collection Agency {$360.00} DELETED BEFORE AND RECENTLY REPORTED ON MY CREDIT REPORT AGAIN, WITH THE WRONG INFORMATION. ACCOUNT WAS NOT OPENED WITH XXXX  XXXX OR PORTFOLIO RECOVERY XX/XX/2017. Predatory and false reporting.
Product: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt.

This includes, but is not limited to, the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed explanation of the debt, including any interest, fees, or other charges.

Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information.

Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency.

Please treat this letter as a formal dispute of the debt in question.

Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above.

I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

these two accounts capital one acc XXXX and XXXX cards acc # XXXX, are reporting one delinquency negative mark on each account. i have already received the creditors letter for which they have approved to remove the inaccurate information from my credit reports and they have approve to have all the credit agencies to remove this inaccuracy. 
please help me to resolve this issue thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Revolving XXXX credit account in good standing was terminated by Experian in error in XX/XX/2020. At that time I filed a dispute against the existing balance, as I had paid it off completely and it had not been reported. Instead Experian deleted it and I discovered the error about 2 weeks later when my credit dropped 24 points and pointed out the mistake. However, Experian refuses to correct the error or contact XXXXXXXX. XXXX says they are reporting the account as active but refuses to contact Experian to clear it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

XXXX  and XXXX  were unable to VERIFY this account and REMOVED it from my consumer report, so it is impossible that you have verified this account. This account is inaccurate. TRANSUNION is only reporting this account to my consumer report. You have multiple violations.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  XXXX. I have changed my name with all of my creditors and with every single government agency. I have petitioned every Credit reporting agency to change my name. Credit reporting agencies are still reporting under my old name, or have split my account information between two different names, but with the same social security number. This is unacceptable to me. It is hurting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

MADE ATTEMPTS TO CONTACT EACH COMPANY TO DISPUTE AND CORRECT ACCOUNTS BEING REPORTED WITH NO SUCCESS. LOCKED CREDIT PROFILE IN FEAR OF SOMEONE USING MY INFORMATION XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that TransUnion remove XXXX XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX XXXX  is not listed in the Nationwide Licensing System as having proper certification to collect debt or engage in any financial transactions in the state of Ohio. 

XXXX XXXX XXXXXXXX  Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, XXXX disputes were submitted regarding an account with XXXX XXXX back in XXXX. I sent a letter directly to XXXX in XXXX I never received any response from the credit bureaus or XXXX. account reference # XXXX reflects a charged off account with a balance of {$2200.00}. This vehicle was sold back in XXXX I do not owe any balance nor is the account charged off. I have tried aimlessly to have this account correct to no avail.. no response has been received I need this account corrected as it is preventing me from obtaining my home loan.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them DELETED from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I would like to file a formal complaint against Wells Fargo concerning my home mortgage loan. In XX/XX/XXXX I acquired a home mortgage loan for XXXX. at a rate of 8.875 % for 180 months fixed rate loan, not a balloon payment. One of the conditions of the loan was that it be set up on an auto pay for the amount of {$430.00} which I signed a form to approve the set up with my bank. I have always made sure the money was in the account to cover the date of the auto pay. Every month I received a statement from Wells Fargo reflecting the amount of {$430.00} owed and paid. In the earlier years of the loan there was no interest rate listed or maturity date. Later on in years around XX/XX/XXXX I noticed there was a maturity date as well as an interest rate. I started adding payments left on loan to find out that this simple fixed rate loan was not XXXX  out. I contacted Wells Fargo to tell them about this and my concern, and in the end, they sent me an offer to re-finance the balance. That was not agreeable to me. I was counting on putting this debt behind me paid in full per our auto drawn agreement. Most recently I have again reached out to Wells Fargo and I still have no resolution. Wells Fargo has on my statement a balance of over {$20000.00}. They can't explain what's wrong or what they are going to do. Since I have reached out to Wells Fargo concerning this matter, I have received a statement with an amount different from all the previous statements ( {$500.00} ). I have accepted each statement as a contractual agreement on what was to be paid each month. I have one more payment due XX/XX/XXXX. I am not prepared to pay any more than I have agreed to per our auto pay agreement. This is a financial hardship on me and my family. I'm Hoping you can help resolve this as I don't know where else to turn. I've seen many things about Wells Fargo being deceptive in their business practices and I'm afraid for myself and my family of becoming victims. 
Sincerely, XXXX XXXX
Product: Debt collection

I have never done business with XXXX XXXX, and do not owe them a dime for cellular services. I've never been notified of an outstanding debt from Convergent, and they have never responded to my repeated attempts to have them validate the debt. It is disheartening that this company and others are allowed to violate the FCRA continually, and they do so without repercussion from the CFPB.
Product: Debt collection

This company called XXXX XXXX as well as Spring Oaks continues to call me up to 4 times a day. Ive asked to stop calling me and they repeatedly do so. As early as XXXX and throughout the day.
Product: Debt collection

I Have no knowledge of this account, but it is being reported on my credit report.

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a inquiry on my credit report. A inquiry that I did not recognize on my credit reports from XXXX XXXX XXXX. Also, I started receiving emails from this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a free account with Equifax as part of their fraud breach resolution. I was on my account and saw that there was no credit score posted. The credit report was there, but no score. I got on live chat with them to see what was causing the problem and they locked me out of my account. When I tried to talk to someone at Equifax to get back in I had to answer a set of questions based on my report. They have all of the basic information correct on me, but when it gets to the questions about things on my report, nothing they ask matches anything from my credit report. Now they are telling me that I have to resend all of the paperwork that I have sent to them about 5 times to get access to my account. Mind you, I had no problem getting into my account until I chatted with someone their live chat service about why my credit score was not showing up. If I can not get into my account, then this is a violation of the agreement set up in place of them compensating me money for losing my information in the breach. Equifax is one sorry company to deal with. I don't know why the federal government has not shut them down.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES THAT ARE LISTED ARE FRAUDULENT SOMEONE STOL MY SOCIAL SECURITY NUMBER AND PHOTO TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent in dispute letters asking the CRAs to verify how they they found the disputed items valid or verified if there are still so many inaccuracies. I have requested multiple times on how they do so and haven't received any documentation. The accounts I am asking about are XXXX XXXX XXXX XXXX ( along with the other two inquiries. )
Product: Debt collection

I recently discovered that my credit score dropped by over 100 points. I go a credit report and it says there was collection pending from ProCollect INC for XXXX for XXXX XXXX XXXX XXXX XXXX. I have never lived there before and have never received any calls or letters from XXXX, so I called the agency and they admitted it was their mistake. My name is XXXX XXXX, the person they were looking for name was XXXX XXXX, so they said they would remove it immediately. Which is good, but I have no idea how to confirm this has been done. Also, my lower credit score is affecting my interest rates on my new loans, so can you please help me get my credit score back to XXXX like it was in the previous months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX 5 accounts are reporting inaccurately. 
The following were transferred to the XXXX XXXX XXXX/XXXX/XXXX and was paid, closed, never late. 
XX/XX/XXXX- {$2600.00} XX/XX/XXXX- {$1300.00} XX/XX/XXXX- {$3500.00} XX/XX/XXXX- {$3300.00} XX/XX/XXXX- {$980.00} These accounts are showing to be considered negative and at the same time showing in good standing.