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

I sent out a dispute letter so they can investigate those negative accounts and I did not receive results at all
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon possible : Creditor : Capital One 3 LATE payments Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Re : Request for Validation of Debt To Whom It May Concern, I am writing to formally request the removal of inaccurate information currently reported by your company on my credit report. Upon reviewing my credit file, I noticed an entry related to an alleged debt that I do not recognize, nor have I entered into any agreement with your organization. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request validation of the debt in question. Specifically, I would like to receive documentation that includes my signature on any contract or agreement that I purportedly entered into with your company. The entry in question is adversely affecting my creditworthiness and reputation. 

Under the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and verifiable. Therefore, I am requesting a re-investigation of the following account Additionally, I would appreciate it if you could provide details regarding your method of verification as required by the FCRA. This documentation should include the original application, contract, or any other relevant instrument bearing my signature. 

Should you be unable to provide the requested validation within thirty ( 30 ) days, I kindly ask that the disputed item be removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

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

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 31 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 31 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person.
Product: Student loan

I am attaching files of the complaints that I filed. 
I show on my credit report that I am 3 months default a few years ago. I called the federal loan service and was told to send the information, which I did. I then sent it to them with more information and twice they refused to remove the incorrect information. 

I was not in default ever and my paperwork from them shows that I am in forbearance and owe them nothing.
Product: Vehicle loan or lease

I had an account through XXXX XXXX for a XXXX XXXX XXXX. The loan was in my ex-husbands and my name. We went through a divorce in the fall of XX/XX/XXXX. The bank account the payment came out of was closed. The loan was bought by Huntington national bank-account number XXXX.Called and gave Huntington the new bank account with my name only and told them of the divorce and that I was awarded the XXXX XXXX  and would continue the payments no problem. Fast forward, I traded the XXXX in for a new vehicle the first of XX/XX/XXXX the payment comes out automatically the XXXX of every month. I called Huntington on XX/XX/XXXX and told them vehicle had been traded in to cancel the payment was told situation was taken care of. XX/XX/XXXX the {$470.00} payment was taken out of my bank account. Called XX/XX/XXXX and was told they was sorry and a check would be issued to me personally and gave my current address as the mailing address for said check, and that it would be within 2 weeks ( Ref # XXXX ). XX/XX/XXXX called again since check had not been received and was told that a check had been issued the day prior and would arrive within 5-7 days at my current mailing address. As of XX/XX/XXXX still no check, call once again and am told that the check was sent out to my ex-husband and that the check could not be canceled or reissued and the money could not be put back into my bank account from which it has been drafted the last 3 years and that there was nothing they or myself could do to change it or get MY hard earned money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I formally requested copies of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

I let them know The listed account is entirely inaccurate and incomplete ( SEE ATTACHED HIGHLIGHTED REPORT ), and represents a very serious error in their reporting. I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office for noncompliance. 

I further reminded them that they were not in compliance as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of certified letters may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681a ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXXXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$90.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was stationed overseas and experienced identity theft, two credit cards were opened on my name. One from XXXX XXXX and One from XXXX, I have never done any interactions with either bank before this issue occurred. The purchases and use of card was done in the US while I was overseas. I have attempted to resolve this with the companies but since I had no information other than my name and social they couldn't help me. I have disputed this charges through the credit bureus and Federal Trade Commission. I would appreciate all the help I can get, these cards have ruined my credit score, I have never missed payments in the past and now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

We were recently victims of Identity Theft. On XX/XX/year> I locked our Experian credit file. The monitoring company we use alerted us on XX/XX/year> that our Experian credit file had been unlocked ( and not by Me ) After receiving that notice I re-locked the credit file. On XX/XX/year> we were notified again that our credit file had been unlocked and that a New credit Inquiry had been made to XXXX. I re-locked the file on XX/XX/year> and went to a local Branch of XXXX and verified that an application was submitted that was then denied by XXXX. Starting XX/XX/XXXX I have called Experian on their consumer assistance center number XXXX and various other numbers. None of their automated responses were relevant to finding out how to stop someone form unlocking my credit file. After repeated attempts while on the calls to be transferred to an Agent, or person to try and rectify this problem, the system would not transfer me and eventually hung up on me each time I tried. 
I need to be able to talk to someone at Experian and find a way to resolve this matter.
Product: Money transfer, virtual currency, or money service

I XXXX  {$250.00} to XXXX XXXX ON XX/XX/2023 REF # XXXX which is my sister. Through Wells Fargo bank. They claimed that I send the money to a closed account. So I request for my {$250.00} back. The very same day when my sister said she did not receive the money. WELLS FARGO claimed they can not return the money. And could not find the money. I have been trying to get my money back for almost 4, months and its falling to death ears I am retired and is in a fixed income and can not afford to lose this money usually if someone catch the problem on time the back will reverse the charges. Not in this case. WELLS FARGO refused to give me my money back. I am a XXXX, years old XXXX  I dont know what else to do. please help me. Thank you. XXXX XXXX
Product: Checking or savings account

Hello I was recently going over my accounting which i check my statements from Wells Fargo every other month, I noticed that from XX/XX/XXXX to the XXXX of XXXX, there were XXXX worth of unauthorized XXXX  transfers. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX total XXXX I called immediately when i found out at XXXX on XX/XX/2020. Spoke to claims and they gave me a number to call in the morning. Recently I recieved a letter from the hospital stating that my personal information has been leaked and that I should check if I have been a victim of fraud. I paid it no mind at the time, until I started doing the accounting for my new XXXX XXXX and was checking the debits and credits due to me recently linking this account to the XXXX. When I came to the conclusion I was around XXXX short I immediately called or tried to. to get this situation resolved. I called back in the morning to no avail. I have many other XXXX  transactions on there that Iam fully aware of, the ones i dont i contested and have yet to get an positive feedback
Product: Credit card

I have filed a claim like this before, but I agreed to close it because the proof I had at one time dissappeared. The same thing happened again, but this time I was able to take screen shots ; mind you, the statement reads two different names. One says Google, general entertainment  and the other says XXXX XXXX XXXX XXXX XXXX. The reason this is an issue is, not only am i being charged twice, I canceled my debit card the last time I saw the XXXX XXXX XXXX XXXX XXXX. I had no idea that XXXX XXXX XXXX XXXX XXXX is a secondary or whatever name for Google. It wasn't until a few days after I canceled my card that XXXX XXXX XXXX XXXX XXXX changed to say Google Entertainment. I was put out for 2 whole weeks not having my card. I thought it was hacked. But lo and behold, it was Google this whole time ; and now it happened again. Google charged me on the XXXX XXXX XXXX XXXX of XXXX and I have a pending transaction made on the XXXX ( XXXX XXXX XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX. I find this highly suspicious.
Product: Debt collection

A company keeps robocalling my job in an effort to seek payment for Medicredit? I have repeatedly told callers that there is no one here that they are looking for.
Product: Debt collection

PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX XXXX XXXX XXXX Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX I recently received a copy of my credit report and dont recall authorizing these below listed inquiries. Please remove these inquiries from my credit report immediately. If you find the inquiries referenced above to be valid, please send me a documentation showing that I indeed did authorize these inquiries or please delete. 



If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm Offer of Credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible and I am requesting them to be deleted : Inquiries, dispute_instruction XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have funds ready to be added to my account. today it is needed to be open to add funds. I wanted to use this account for my Government refunds also receive my rewards. I don't have ID I don't have as card. I was robbed and having issues with getting these things to the time frame of receiving funds. I'm looking out on my rewards because of all these poofs. The info you have in me is plenty for my identity to prove it is me. I need the account to replenish that info. I feel I was used by Netspend to another block from my XXXX life. You promised $ to start up. And now I'm denied more access. Ridiculous ness!
Product: Debt collection

On XXXX XXXX I sent Navy Federal an Affidavit of Truth pertaining to Federal Privacy violations I received on my credit card statement along with an invoice for {$5000.00} for the violations.
Product: Money transfer, virtual currency, or money service

I've been asking to enroll me in overdraft protection and debit overdraft and I was charged for a payment for XXXX and I never got my driver but got charged with it every time I call customer support they only help me half ways and then tell me they can't do nothing about it .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Vehicle loan or lease

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the Bank of America XXXX XXXX XXXX , the leasing company - XX/XX/XXXX : I called BofA to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called BofA asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from BofA saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that BofA had closed this account and that I owed more than {$15000.00} - Last few days : I have called BofA repeatedly trying to figure out what is going on and they have extended their resolution timeline from XXXX hours to XXXX business days to XXXX  days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with BofA that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # s tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of ally bank in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted ally bank and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( Ally Bank ) Debt amount XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of the following accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This law requires that fraudulent information resulting from identity theft must be blocked and removed from credit reports upon proper notification. 
The accounts in question are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$2000.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$0.00} XXXX. XXXX XXXX XXXX Account # XXXX - Opened XX/XX/XXXX - Amount {$360.00} XXXX. XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$430.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$590.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$660.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$660.00} XXXX. XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$590.00} XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$550.00} XXXX. XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$550.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Amount {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX