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

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.
Product: Credit reporting or other personal consumer reports

I have fraudulent Credit Inquires that is reported on my credit report that don't belong to me. 
-Regional Acceptance ( Bank ) XX/XX/2023 XXXX XXXX XXXX XXXX XXXX ) XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent a few investigation request letters but never received any response back from the credit bureaus. This is a violation of my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

There were several accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I filed two claims to charge back debit charges for canceled recurring subscriptions. Claim Numbers # XXXX and # XXXX Claim # XXXX {$89.00} for a recurring XXXX  Subscription charged to my bank card on XX/XX/XXXX, requested a refund from XXXX. XXXX sent an email on XXXX XXXX, confirming the refund. TD Bank reversed the temporary credit on XX/XX/XXXX. Bank denies a claim based on evidence provided by XXXX. I requested evidence from XXXX and sent an email to TD Bank. 

Claim # XXXX {$39.00} for a recurring XXXX  Subscription that was charged to my bank card on XXXX, XXXX, requested refund from XXXX. XXXX sent an email on XX/XX/XXXX confirming the refund. TD Bank reversed the temporary credit on XX/XX/XXXX, and caused NSF to be added to the account. Bank denies a claim based on evidence provided by XXXX. I requested evidence from XXXX and sent an email to TD Bank,
Product: Debt collection

I entered a consumer credit transaction with the alledged original creditor that this third party debt collection is alleging I owe and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. as a result, TRANSFINANCIAL are now threatening me for an alleged debt that the purchased from the alledged original creditor. I never received a Material Disclosure of any of the information that was supposed to be provided to me. TRANSFINANCIAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address XXXX XXXX XXXX is on my credit report and i never lived there ever. I may be dealing with fraud because accounts was open with these companies i know nothing about. List of companies or Jefferson Capital systems, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, 3 with XXXX XXXX XXXX and XXXX XXXX XXXX. I have'nt open any acounts in XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX OF XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX Credit Card # : XXXX is lost/stolen, and all the charges on the account are fraudulent and unauthorized charges/transactions.
Product: Credit card or prepaid card

I received an email on XX/XX/23 stating that my new XXXX XXXX XXXX XXXX credit card would arrive soon. I called the company stating that I didn't authorize the credit card. I believe before that I also received a bunch of emails that seemed like spam. They told me not to worry, that I'd receive a letter in the mail to confirm it before it was authorized. I never received the letter. Next thing I know, I receive some emails stating that a delivery would arrive and did arrive, but it was to an old address I lived at. 

On XX/XX/23, I received a call from a " No Caller ID ''. The person on the other end of the line tried to get me to pay for a {$4600.00} charge on my credit card. I told them it was not my card and that it was fraudulent. They then transferred me to an unknown department and asked for personal information, but I told them I wouldn't give it to them because I didn't know if they were who they said they were. I then called XXXX to report the fraudulent credit card and other suspicious inquiries, one of which was a credit inquiry to obtain an IKEA credit card as well. They put alerts on my account and told me to also report it to the police or the FTC and to call Comenity Capital Bank. I called Comenity to report the fraudulent credit card and charges and they shut down the account and added alerts as well.
Product: Credit card

I have a credit card with Macy 's. I used it several times XXXX to purchase some dresses. I paid it off. Then I used it again at XXXX time, and I did n't think anything of it, but my statement arrived after the due date. I called and they reversed the late fee. It happened again in XX/XX/XXXX, and XX/XX/XXXX, and again in XX/XX/XXXX, in fact I just received my XX/XX/XXXX statement 1 week ago. I paid the balance off but I refused to pay the {$21.00} late fee. They stated they can only give XXXX-XXXX per 12 months, and they already gave me XXXX reversals. I said I do n't know if Macy 's is sending out statements late, in order to " collect late fees '' and that 's how they make their money! or if it my wonderful USPS in NJ.!! but in any case I still have not received my XX/XX/XXXX statement as of yet, and we only have a few days before it is due. I do not have online statements because of being hacked, and identity theft in prior years. I keep as much security as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a Closed fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : XXXX XXXX  Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccuracies on my credit report. I've noticed discrepancies that lack proper verification, casting doubt on their accuracy. As per legal requirements, I urge you to ensure all reported information meets accuracy standards. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to validate each account 's accuracy and legitimacy. I request evidence for this verification process, including permissible purpose for inquiries. 

I grant a month for investigation. If unable to provide evidence of accuracy and compliance, I request updating erroneous entries to reflect timely payments. Please provide physical proof of actions taken and send an updated report. 

Specifically, the account with XXXX, The account has been paid on time consistently, as per 15 USC 1666B . Please correct this error promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Not my account or charge
Product: Credit reporting

The following accounts are past the Statute of Limitations past 7 years and needs to be deleted from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are 7 years old negative and according to FCRA any negative accounts must be removed after 7 years. I 've sent numerous letters to credit bureau Experian and they have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few wrong addresses and wrong names in my account I will like to get remove asap
Product: Checking or savings account

CFR Violations This correspondence is in regard to violations of Coded Federal Regulations committed by CAPITAL ONE BANK. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that CAPITAL ONE BANK does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XXXXThe adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional Injury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* CAPITAL ONE BANK has the opportunity to cure and this is your notice of default for the servicing of the bank/ credit application.
Product: Checking or savings account

I applied to open a new checking account on XX/XX/year> and received a confirmation email that I would receive an update within XXXX business days. I have called multiple numbers numerous times, and they just tell me to keep waiting. It's been XXXX weeks at this point, and they're just holding onto all my info/details with seemingly no intention of updating me. There was a promotion for opening the account when I did, and I seems to me that they are trying to avoid honoring that.
Product: Credit card or prepaid card

I sent in an extra payment of {$50.00} USPS tracking number XXXX to the overnight payment address but they did not credit my account but they cashed the money order on XX/XX/XXXXXXXX XXXX XXXX # XXXX
Product: Debt collection

I have been receiving REPETITIVE calls Monday - Friday from a Victorias Secret representative with commenity bank. I find this to be particularly strange as I have three other cards with commenity bank that are in good standing. The individual ( s ) attempting to contact me incessantly blow up my phone ( more than 10 times daily ) and have requested to speak with my attorney, have threatened to escalate the situation, and have even reached out to family members after my family members have asked them to cease and desist. I have explained to them I intend on settling the situation ASAP and have explained this multiple times.
Product: Debt collection

I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe
Product: Debt collection

This complaint is against XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I disputed a debt by written notice by certified mail, XX/XX/2018. I have yet to receive a completed validation of the debt within the 30 days of the first request with XXXX who was attempting to collect a debt for XXXX XXXX. XXXX XXXX  contacts me in writing XX/XX/2018 informing me that they reported the debt to a credit agency and that if I wanted to dispute this debt, I need to dispute it with XXXX. XXXX XXXX  reported this debt without notification that a dispute was in place. XXXX and XXXX XXXX  have not completed the validity of the debt request and therefore, should not have reported the debt unjustly. Furthermore, I was informed that XXXX XXXX  was required to purchase the debt from Navient, and I was informed in a phone call back in late XXXX that Navient no longer owed the debt, but XXXX XXXX did, so why would I need to dispute a debt that have already been disputed in writing with XXXX and XXXX XXXX. Furthermore, I was contacted by XXXX XXXX XX/XX/2018 informing me that my employer may receive a letter notifying me of wage garnishment. I understand that XXXX XXXX transferred there loan corporation over to XXXX XXXX, so why would they contact me and threaten wage garnishment way before I was permitted to dispute the debt. This is a tactic of intimidation and deceptive in nature. XXXX XXXX failed to disclose that they are a affiliated with XXXX XXXX. These tactics of these companies are not serving consumers, but infringing upon my right and possible others. As a consumer, I am expected to follow their procedural methods to address a debt, and they should be held to the same standard. I am not at all familiar with XXXX XXXX, XXXX or XXXX XXXX until now, and I believe wholeheartedly a scam is openly occurring to damage the credit and lives of many consumers. Please assist in this debacle as it relate to wrongful and unjust credit reporting and deceptive and intimidation tactics in attempt to collect a debt and wage garnishment. I just want fairness and I'm open to what is next. Please help me to attain fairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is not being correctly reported. 
Billed without my consent for service I do not want or need multiple times. 
Company abused my personal information
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 convictions of crimes which antedates the report by more than XXXX 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: Mortgage

I had an equity line of credit with BOA ( Bank of America ) in the amount of {$120000.00} payoff due in 15yrs. which I used {$25000.00} of the funds. Within that time {$100000.00} was put on freeze, therefore, I could not use that money. Within the 15 yr. period of time I paid back {$20000.00} leaving me a balance of {$4100.00} unpaid, from the initial {$25000.00} used. As of this date the {$4100.00} has been paid off. BOA is telling me that I still owe them the {$100000.00} from my XXXX. line of credit. I was offered a second line of credit for the XXXX which I took because I still owed them {$4100.00}. About a year later after paying the {$4100.00} owed they 're saying I still owe the {$100000.00} which I never used. This I do not understand. How do I owe money never used. Thinking that they offered me a second line of credit, they gave me another mortgage which included the {$100000.00} called XXXX ''. When I got my first equity line BOA paid off my first mortgage which was around {$30.00} something thousand dollars. I did call BOA several times with no avail. Specifically, on XXXX, XXXX I spoked with XXXX a BOA rep. I informed him that I was deaf and hard of hearing and he got frustrated with me. I then asked him what was the initial pay-off amount BOA paid, if anything this is what I would owe, and he would not tell me, and said " Lady you owe the money ''. My response to him was how do I owe money that was frozen and never used? This is when he hung-up on me. In conclusion, If I do owe any other money to BOA it would be the original pay-off amount not the {$100000.00} they are trying to make me pay with a new mortgage. I pray this matter is resolved.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with JEFFERSON CAPITAL SY plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD
Product: Mortgage

We have a homeloan with Newrez. I received a notice from XXXX on XX/XX/XXXX that I was reported as 30 days past due on my home loan. I called Newrez, and they said that my XXXX payment was rejected for lack of funds. It is an automatic withdrawl from my savings account. I went to XXXX XXXX, and not only did I have approximately {$30000.00} in my savings account the entire month of XXXX, ( my monthly payment is {$1200.00} ) but XXXX did not have any record of Newrez attempting to withdraw money. Newrez claims they sent me a letter to inform me. I didn't recieve a letter. They did not attempt any other form of communication, so I didn't even know about the problem until XXXX told me that Newrez reported me. My credit rating went down almost 100 points. I have called to complain to Newrez and have also sent them a message through my Newrez app, and have not heard anything from them.
Product: Debt collection

I am filing this complaint regarding Midland Credit Management. They have been repeatedly contacting my phone number in an attempt to reach an individual who is deceased. I have informed them of this fact, yet the calls persist, disrupting my household and causing undue stress. 

This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ), as these calls are unwarranted and harassing. I request that Midland Credit Management immediately cease all communications to this phone number and update their records to reflect that the individual they are seeking is deceased.