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

I am writing to dispute the collection account on my credit report, XXXX XXXX XXXX XXXX, which is a result of identity theft. I have no knowledge or involvement in this account.

I demand that you provide : 1. Documentation of the original contract bearing my signature, validating my responsibility for this debt.

2. Proof of my involvement or association with the account in question.
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENEIT FROM LISTED ACCOUNTS
Product: Prepaid card

The company " North Lane '' ( does business and redirects to the website for " XXXX '' ) is an authorized vendor for XXXX. XXXX uses them to distribute warranty refunds -- in my case a brand new air conditioner failed and XXXX was unable to replace it. This is an old case that started in late XXXX, XXXX delayed until early XXXX ( when they advised me that the " card was on its way to me ), and then came XXXX. When we returned to NY in XXXX, North Lane advised that they would send out a new card - but never did. Their current response is that they received the {$570.00} from XXXX but because I didn't use the funds within 90 days, the entire amount was forfeited. They can't provide me with a date that they sent a card or any such terms and I certainly never accepted such terms. They can't even get their story straight as to whether the card was sent by mail or virtually ( in the past, they said it would be by mail, more recently they say it's done virtually, The agent I spoke to today " XXXX '' says that my complaint was escalated to his superiors and again since I did not use the funds within 90 days, I forfeited them completely. He completely ignored my protestations that I never agreed to or was even presented with those conditions. I hope you can help me, I was ripped off.
Product: Checking or savings account

I opened an account with chase bank on XXXX and used a code for XXXX bonus. I called to follow up on XX/XX/XXXX about the terms and was told everything was on the account and once I made XXXX direct deposit the bonus would be paid out in 10 days. As of XXXX I had made the required deposits and was told my account never had the coupon code applied and it was past the 21 days to do so, so no bonus would be paid.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and as a result XXXXXX/XX/XXXX in the amount XXXX is reporting to credit bureaus. Ive never opened or had an account. Police report, FTC report and proof address and ID attached
Product: Payday loan, title loan, or personal loan

I borrowed {$800.00} and have repaid $ XXXX+ yet this company claims I owe more than {$670.00} still. This is ridiculous! They do not respond to emails. Their chat feature never connects. They arent even located in the United States! 

I want my account marked PAID IN FULL/IN GOOD STANDING/CLOSED
Product: Debt collection

American Express has defamed my character, reported incorrect information on my credit reports without validating the debt and garnished my wages with a faulty lawsuit. They have violated quite a few of my rights pursuant of the 15 USC 1692.
Product: Debt collection

The collection on my credit is not mines. Ive contacted them several times through XXXX  to let them know my birth certificate and social security was stolen by workers from a flood that happened in XXXX. My credit has been on lock for years. The lock expired and a collection hit my account. 

This account do not belong to me but someone impersonating me. Please remove this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report
Product: Checking or savings account

Wells Fargo Bank has been causing my checking account being low each and every month with direct deposits in my checking account. Who has been paying XXXX Funds I didn't authorize for XXXX  Services to receive from my Wells Fargo Debit Card XXXX XXXX had refuse to refund me back some of my funds that were paid to them. Which has happened twice. I feel I am being target and taking advantage of by Wells Fargo Bank and XXXX because my race and age. XXXX has been give me more problems with their internet services. It has been given me problem connecting with my devices. My XXXX, XXXX, XXXX XXXX, and My Laptop Computer. There has been other XXXX in my area. Who has been successful in connecting with my XXXX XXXX more than me who is pay for the services. There are XXXX in my area are getting free internet and I am senior who paying for it. It not being fair. They inform me I'm not eligible for free internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XXXX XXXX, XXXX Amounts : {$920.00} Actions : I called XXXX XXXX SERVICES and told them that I did not get on the Paramedic when they came to get me after an XXXX attack. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XXXX XXXX, XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live XXXX hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX needs to verify with where they got this information and find the right person who owe them. 

Dates : XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX BANK which I have no idea what 's that. This needs to be removed. 

Dates : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX BANK XXXX which I know but the amount is totally wrong, and the account is more than XXXX XXXX XXXX, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a phone call from Corporal XXXX XXXX from the XXXX XXXX Police, reference case XXXX. An individual was using my identity to purchase cars and start loans etc. 

Prior to XX/XX/XXXX, my credit score had gone down XXXX points, and just yesterday it went down another XXXX points. I tried to dispute with the credit card companies but nothing has happened. 

From XX/XX/XXXX to today, I have submitted several disputes with Experian. No action has been taken by them. 

These are the following on my credit report that are not me : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX AN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX XXXX EQUIFAX. 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXXI AND I AM GONG TO ATTACH EOB FROM MY XXXX XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM EQUIFAX, XXXX XXXX XXXX AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY CREDIT SCORE BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00}
Product: Credit card

Care Credit continued to charge monthly min fees for XXXX, XXXX and XX/XX/XXXX 2024 despite me contacting the company to have a payment allocated to the non-promotional balance which was to be paid off prior to the XXXX statement closing date. A total of {$9.00} for XXXX was charged for min fees on an apparent {$2.00} balance which I was told was paid off on XXXX/XXXX/24 with the payment I made and requested allocation. When I contacted the company via chat today XX/XX/XXXX24, they stated I still had a {$2.00} balance that was subject to interest which I disputed as that was purchase was paid off already. I had to call to escalate the matter to a manager XX/XX/XXXX/24 who then reviewed and offered a credit of {$9.00} for the fees I was charged for XXXX XXXX and confirmed I did not have non-promotional balance. I am bringing this forward in hopes this company 's practices are further reviewed when I a customer requests the payment to be applied in a certain manner.
Product: Debt collection

The company Hunter Warfield is asking for a debt from me and I reached out to this company and explained to them give me a original signed contract with my signature on it stating that this is my information.they sent me back an original signed contract I do n't know where this contract came from with these signatures on it that is not mine someone forged my name on these contracts as well as two other people. I wrote a letter to XXXX XXXX letting them know that these signatures are not mine and can you give me your method of verification how you came up with this information how you did your investigation who you spoke to, and when I wrote the letter to them they did not respond they just sent my information to XXXX in collections also the amount that is on the debt is constantly growing every other week There 's a different amount on my credit report.
Product: Debt collection

XXXX has stated the debt is verified but has failed to provide me the information as to how its verified after asking for it
Product: Debt collection

The company did not contact me about a debt they have in my name. The debt appeared on my credit report. The company is required to contact me about a alleged debt and give me 30 days to respond with any problems I may have with debt. The procedure is a FCRA rule and the company bypassed that rule and just placed the debt on my credit report.
Product: Credit reporting or other personal consumer reports

I've been harassed by XXXX XXXX XXXX. under 15 U.S. Code 1692e - False or misleading representations. I continue to receive letter for 3 different credit card debt and the most recent is being threatened to sue me. This debt was investigated by XXXX XXXXXXXX XXXX, and deemed as fraudulent and doesn't belong to me. This issue is causing undue stress and anxiety. Here 've stopped answering my phone for unknown numbers because of the continuous harassment. Also, negatively affecting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Product: Debt collection

I am filing a complaint against CONVERGENT OUTSOURCING because they are attempting to collect a debt that I do not owe them. Account Name : CONVERGENT OUTSOURCING, Account Number : XXXX Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 
1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor? 

.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Subject : Cease and Desist Regarding Disputed Account Dear XXXX XXXX XXXX I am writing to formally request that you cease and desist from reporting the following account, which I believe to be inaccurate and misleading : - **Account Name : ** Resurgent/LVNV Funding - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Status Updated : ** XX/XX/XXXX - **Balance : ** {$1300.00} - **Recent Payment : ** XX/XX/XXXX - **On Record Until : ** XX/XX/XXXX I dispute the validity of this debt and request that you conduct a thorough investigation into this matter. Under the Fair Credit Reporting Act ( FCRA ) and specifically 15 U.S.C. 1692c ( c ), I have the right to request that you cease communication regarding this account until a proper investigation has been completed. 

I request that you provide me with the documentation that substantiates this debt, including but not limited to : 1. The original signed agreement or contract.

2. Records of payments made on this account.

3. Any correspondence related to this account. 

Additionally, I would like to inform you that I have been affected by the XXXX data breach, as indicated on the XXXX settlement website. This incident raises further concerns regarding the accuracy of the information being reported on my credit report. 

Please consider this letter a formal notice to stop reporting this account until a proper investigation has been completed. If you fail to resolve this matter satisfactorily, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek further legal action. 

I appreciate your prompt attention to this matter and look forward to your written response within 30 days. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 conviction 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: Debt collection

I recently received notice in the mail, about this debt, this would be the first time I HAVE EVER BEEN NOTIFIRED OF THIS DEBT, I WAS SENT A DEBT LETTER WHICH I HAVE ATTACHED, WHICH SHOWS DATE THEY SENT IT TO ME, I AM ASKING HE TO VALIDATE THIS DATE, AS I HAVE NO CONTRACT WITH THEM, THEY INFORMED ME THIS DEBT WAS PURCHASED FROM ANOTHER COMPANY, ON XX/XX/2019, I CONTACTED THE COMPANY AND INFORMED THEM I NEEDED THEM TO VALIDATE THE DEBT AS I HAD NO CONTRACT, SHE GAVE ME AN EMAIL ADDRESS XXXX.SHE INFORMED SHE COULDNT GIVE HER NAME OR VALIDATE THE DEBT, SHE ASKED ME WHO THE PEOPLE WERE ON THE DEBT. THAT MY NAME IS NOT XXXX XXXX AND THIS IS NOT MY DEBT, I AM ON A FIXED INCOME OF {$870.00} THIS DEBT IS CAUSING ME EXTREME XXXX, I AM A XXXX, XXXX, XXXX AND XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> a payment made at XXXX for {$37.00} from my Cash App account to the merchant XXXX XXXX. I proceeded to send the remaining balance to a friend at XXXX. I noticed later, that Cash App never separated the pending funds from my current available Cash Balance. The {$37.00} was used to win {$41000.00} yet was revoked by the merchant due to deposit error on banking side, per the merchant. We ultimately lost approximately {$42000.00} because of a {$30.00} error on Cash Apps side. 

I contacted Cash App 's customer service via chat, then by phone, which after not getting a satisfactory response or solution, was told I would be contacted by a manager via email. On XX/XX/year> I received an email from Cash App giving a general answer that was already given over chat, phone and now email with no solution or sympathy provided. We continued pressing for help with our loss due to their error, however they dismissed us and closed the case on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer letter to resolve a past due balance on a totaled vehicle with XXXX XXXX XXXX. I called and paid the settlement amount on XX/XX/2021, and received an emailed receipt for that payment. XXXX has refused to update my account correctly as settled and/or paid in full, and show the correct balance of {$0.00}, to any of the consumer credit agencies. I have disputed this account with all XXXX major credit agencies, and XXXX has refused to update and correct the incorrect information currently shown each time. They went so far as to update my TransUnion report as " closed and written off '' for a second time after that dispute, causing a second major hit to my credit score that was not only completely avoidable, but seems petty and vindictive at this point.
Product: Checking or savings account

I usually get my pay {$3200.00} ( bi weekly ) on Thursday ( early direct deposit, something Capital One promotes often ) but on XX/XX/XXXX I did not receive my standard direct deposit. On the night of XX/XX/year> approximately XXXX a system generated email was sent stating there are technical issues with direct deposits as of XX/XX/XXXX. It is now XX/XX/XXXX and there still is no resolution or update from the company. Their social media accounts are not answering or giving any form of an update. 
This message should've been sent to ALL USERS on XX/XX/XXXX. Furthermore, if the role was reversed and I could not provide Capital One with the money that was owed to them I would be hit with a late fee. I expect some kind of reimbursement for the financial trouble and withholding of my money. If this " technical issue '' continues I fully expect Capital One to cover late fees, and or expenses that my mortgage, utility providers etc will charge me if Capital One does not post my Direct Deposit soon
Product: Credit reporting or other personal consumer reports

I want these items removed and blocked from my credit report XXXX XXXX XXXX XXXXXXXX {$5200.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$9000.00} Account XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} Account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3400.00} Account XXXX Closed Date XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$710.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX
Product: Student loan

I am XXXX  XXXX. XXXX and I have notified Cornerstone Loan Services department multiple times in writing that the loan was forgiven. XXXX and I have participated in multiple conference calls with Supervisors from Cornerstone over the past 22 months who committed to bringing closure to this issue. Once the conference call ends no further action is taken by Cornerstone and they never contact me back with an update status as they have committed to during the conference calls, The Department of Education has provided them clear directions multiple times since XX/XX/2019 and they have failed to take action required by the agency.
Product: Debt collection

Received a letter in the mail from XXXX XXXX XXXX XXXX. 
It says I owe {$910.00} It says the creditor is Paypal. 
It gave some long weird acct number This is definitely false. 
The address is XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX