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

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear TransUnion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX XXXX XXXX  : {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this claim due to : I have no knowledge of this account, it is fraudulent. AND IS REQUESTING THAT IT BE REMOVED IMMEDIATELY This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX Account # XXXX, I never signed a contract with this company. I have filed with the FTC.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

" WFDS '' pulled my credit twice without authorization. Once on XX/XX/XXXX and again on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i noticed XXXX  XXXX, XXXX, XXXX & Equifax posted a negative closed account I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and this false account is still on my report despite my efforts. XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, XXXX XXXX, XXXX, XXXX & Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information XXXX XXXX, XXXX, XXXX & Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave XXXX XXXX, XXXX, XXXX & Equifax permission to furnish this information. Fact, I never gave consent for XXXX XXXX to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, XXXX XXXX, XXXX, XXXX & Equifax has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Debt collection

I keep getting calls from a company XXXX, saying they represent Capital One from a debt from XXXX15 and said court orders were going to be sent for garnishment. I dont not owe this debt and I see that they may be a SCAM
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX on XX/XX/2020 in the amount of {$460.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Louisiana to collect on this debt. Secondly, XXXX XXXX Adjust, violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX Adjust? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX Adjust has submitted negative information to all three credit reporting agencies XXXX XXXX, XXXX, and XXXX  XXXX against my name and social security number and is demanding payment from me in the amount of {$460.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX OF - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX - XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased two cakes at XXXX. 

The cashier told me " {$33.00} ''. I handed my card. I was not given a receipt, and I did not sign anything. 

On my Capital One credit card statement, I saw that the charge ended up being for {$36.00}. I did not authorize this charge. I did not sign anything. I did not approve this number. 

I attempted to reach XXXX, the merchant, but failed. 

I called my credit card company to notify them that I did not authorize this charge. 

They requested *evidence* of how much I had authorized. I indicated that I have none, since I was not given a receipt, and I did not sign anything. 

On account of my not providing evidence that I *did not* make the charge, Capital One denied my dispute, and informed me that the charge would be reinstated. 

This is *not* reasonable. I *did not* authorize the transaction. And the onus is not on me to show that I didn't ; the burden of proof, clearly, is on the merchant and the credit card issuer, to show that I authorized the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

**Complaint Regarding Credit Reporting by XXXX XXXX XXXX *Date : * XXXX XX/XX/year> *Loan Number : * XXXX *To : * Consumer Financial Protection Bureau ( CFPB ) *Subject XXXX * Inaccurate Credit Reporting by XXXXXXXX XXXX XXXX I wish to file a formaXXXX complaint regarding the erroneous credit reporting related to my loan, number XXXX, by XXXXXXXX XXXX XXXX on XXXX XX/XX/year> XXXX This inaccurate report was sent to at least one credit reporting bureau and contains the following issues : 1. **Incorrect Loan Balance : ** The report indicates an incorrect outstanding loan balance of {$440000.00}. This figure does not reflect the actual amount owed on my loan. 

2. **Incorrect Account Status : ** The report also states that my account is past due, despite there being no missed or late payment for the month of XX/XX/year>, as evidenced by XXXX XXXX own payment system on XXXX XX/XX/year>, where no payment was recorded as overdue. 

3. **Violation of Forbearance Agreement : ** The current reporting fails to acknowledge the forbearance agreement in place with XXXX XXXX XXXX XXXX The erroneous reporting disregards the terms of this agreement, which directly affects the accuracy of the credit report. 

I kindly request immediate correction of these inaccuracies and confirmation of the updated and accurate reporting to the relevant credit reporting agencies. 

Yours faithfully, XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Chase regarding my attempts to make payments using their mobile app which is how I have always made my payments. Since XX/XX/XXXX they have charged me a late fee each month on top of interest when I was told I was getting 0 % for a balance transfer I completed. It seems as if every time when it gets close to making my payment, theres an unknown issue with the mobile app and I have to call Customer Service to make my payment and ask for them to waive my fee. I contacted Customer Service. I have two accounts with them. One Newley opened. It would not allow me to add my external account to make my payment on time and when it was added after the fact I was then charged a {$25.00} late fee. They did not remove the fee. The card Ive had for years with them I completed the balance transfer on. I was misquoted the difference I needed to pay so I wouldnt be charged interest and the representative that helped me told me he would not waive but one fee. Since then I have been charged a total on one card that has not been credited back {$100.00} on one card and {$25.00} on the other. I have contacted the Executive Office of The President on XX/XX/18. Spoke with a guy named XXXX. He hung up on me and didnt call me back. I called back and got a Supervisor in complaints who put me on hold and never came back and made the call hang up again. Not happy about this. Ive always paid my credit cards on time.
Product: Mortgage

I fell behind on my mortgage in XXXX XXXX when I was off work due to my back injury. I applied for loss mitigation in XXXX XXXX. I went back to work in XXXX XXXX as well. I was approved for a trial modification. I faxed the final documents back to Wells Fargo in XXXX XXXX and began making the trial payments. I made trial period payments in XXXX XXXX and XXXX XXXX. In mid XXXX, I received a letter from Wells Fargo stating that they never received the signed modification documents and that I was being removed from the trial modification program. Up until this point I did not realize that Wells Fargo did not receive the documents I sent. When I called Wells Fargo to clear up this mistake, I was told the only option I have is to reinstate the loan. Wells Fargo scheduled a foreclosure sale for XXXX XXXX, XXXX.
Product: Credit card

A credit card was open in my name and a flight was purchased. I immediately got notification and canceled the flight and opened up a fraud investigation. The fraud unit said that I was liable for the cost of the flight which I did not take. They never contacted me. They never provided me with any details about the purchase of flight time what time I canceled the card. They did not complete an investigation and continue to charge me.
Product: Credit card

On the XXXX credit report, it says that I have opened a credit card with CHIMEXXXX XXXX on XX/XX/XXXX. The balance is XXXX dollars. I have never opened a credit card with this bank. CHIMEXXXX XXXX  has never checked the person whoever trying to apply for its credit cards. I, XXXX XXXX, has frozen my 3 credit bureaus. I also put highly alert on my credit bureaus. 

Now Chime/XXXX  XXXX  has closed the account, but they did not send me the statement for that I am the victim of the ID theft. I have also requested them to report to the XXXX credit bureau that the address used in that account wasn't mine. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. My phone number is XXXX. 

I also called XXXX credit bureau that I am the victim of the ID theft. The scammers use the address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX to apply for this CHIME/XXXX credit card. I requested XXXX credit bureau to remove the address from my profile. They did not do it asap. They asked me for a lot of information.
Product: Money transfer, virtual currency, or money service

I am filing a claim against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the CFPA Specifically, Cash App refused to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected Futhermore, their dispute and resolution process was unfair and deceptive.As they did not comply with Electronic fund transfer act and regulation E these actions has caused inconvenience and financial loss. I seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair prac

tices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that this accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall this account. I need this problem fixed ASAP! I will not wait another 50 days to receive no response because clearly you are ignoring me. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. Section 611 ( a ) is plainly stating that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. 
I am very stressed about this and it effects me daily. PLEASE HELP ME AND DELETE THE FOLLOWING ACCOUNT FROM MY REPORT XXXXXXXX XXXX XXXX - ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXXXXXX XXXX  I REQUEST that you EQUIFAX VALIDATE { not verify } this account XXXX XXXX XXXX  XXXX you supplied on your consumer report PLEASE enclose the following { 1 } Who you Spoke to, what was said in { all detail both parties associates you spoke to what was said by both parties their contact information the time date you contacted these people any co-workers you may have contacted and talked to both side of conversation, the original owner contact information and address you Equifax verified this account on your credit report you sent me. verified means make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } VALIDATION MEANING the action of checking or proving the validity or accuracy of something CFPB I have the right to this information past due on this account is a violation of the FCRA
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 



XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuation of compliant # XXXX I am submitting further documentation of being forced out /under duress of my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because Wells Fargo refused to take the grant allotted to me in an Obama Program granted from the state of MD for {$50000.00}. They fought me three times in court and did not have documentation enough to win the cases. The judge threw it out. Shortly thereafter I was diagnosed with XXXX XXXXXXXX. This was shared with the person they had pursue, harrass, call and follow me to do a short sale in lieu of them throwing me in the street. The salesman met me in person and told me i should take the {$6000.00} and be glad i got that instead of being thrown out. My daughter was in the house taking care of me at the time. She had XXXX children. He threw her out as well and ended up in a shelter. XXXX years later I had to contact the saleman so he could verify my story. He did and he said that he remembered me. He had the nerved to tell me the people who moved in my house completed some things i started and asked me if i wanted to see how it looked. That was painful. He was laughing in my face while i was sick weight XXXX XXXX, XXXX, children in a shelter. This is what Wells Fargo has a history of doing to XXXX Americans- this did not just start.
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, Experian and XXXX about inaccurate and unauthorized hard inquiries on my report over 4 times in 4 months. I've contacted them about inaccurate reporting on my credit report as well, I haven't had a response. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DeptED/XXXX INACCURATE DeptED/XXXX INACCURATE Experian Credit XXXXXXXX XXXXk XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DeptED/XXXX INACCURATE DeptED/XXXXXXXX  INACCURATE XXXX XXXXXXXXXXXX XXXX INACCURATE XXXX XXXX XXXX XXXXL XXXX XXXX
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX Re : Validation for account XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request calidation of the debt you say I owe you. Be advised that I am not requesting a verification, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you.

Please provide at least the following information within 30days from the date of you receipr of this request for validation : Name and Address of Alleged Creditor Name on File of Alleged Debtor Alleged Account Number Address on File for Alleged Debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor If your offices fail to respond to this validation request within 30 days from the date of you receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX