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

This is my OTHER 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 items : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; Medical XXXX Balance : {$290.00} ; XXXX XXXX
Product: Debt collection

I made a {$1500.00} purchase from XXXX XXXX for XXXX washer and dryer on XX/XX/2021 using a XXXX Credit Card d/b/a Citi Crad. On XX/XX/2021 XXXX attempted to deliver them but would not install the appliances. Complaint made and assured installation on XX/XX/2021. Delivery opened boxes on street, loaded and brought into my home and hauled my old appliances out before informing me they would not install the new appliances. A complaint was made again ; then, XXXX staff arrived on XX/XX/2021 to install but did not complete the installation, parts were missing, and no warranty was provided. I made a complaint with XXXX Credit Card to dispute charges, as well as, consumer fraud complaint with the XXXX XXXX XXXX  and XXXX Board of Directors. XXXX Credit Card representative, XXXX, would not initiate the billing dispute on XX/XX/2021. So, I made a payment {$1400.00} to prevent a past due occurrence which appeared to be the intent of XXXX Credit Card and leaving a balance of {$190.00}. After a second call on XX/XX/2021, XXXX Credit Card initiated the billing dispute but continued billing me, sent me to collections, continuously sent past due statement and reporting me to credit reporting agencies while the billing dispute was pending! A letter dated XX/XX/2021, stating a {$1500.00} credit and/or refund with adjustments was going to be issued but I continue to receive invoices with interest, harassing phone calls from collection agencies, and e-mails stating past due balances. Meanwhile XXXX is not addressing incomplete installation of my appliances, missing parts, and no warranty issued for my appliances! XXXX tells the XXXX XXXX XXXX ( i.e., XXXX  ) they were working the customer but the actions by XXXX toward me is different and fraudulent ; lies and gaslighting me ( i.e., the customer ). This has been going on since XX/XX/2021. Given the letter dated XX/XX/2021, stating credit/refund and adjustments, I continue to be harassed, bullied by XXXX Credit Card d/b/a Citi Card and it's agents ( i.e., collection agencies ) even after requesting a cease and desist order! I received a letter acknowledging my request but the harassment continues in retaliation for my complaints! XXXX XXXX and XXXX Credit Card consumer fraud activities are with impunity thus far!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 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 Dear Experian Dispute Department, I am writing to dispute an inaccuracy I have identified in my XXXX credit report concerning the account listed under XXXX XXXX XXXX with the account number XXXX. 

Upon reviewing the account details, I noticed the following discrepancies : XXXX. Charge-Off Date Inconsistency : The payment history section indicates charge-offs in both XX/XX/XXXX and XX/XX/XXXX. A charge-off should be reported only once, and this dual reporting creates confusion and inaccurately portrays my payment history. 
2. Balance and Payment Reporting : The account reflects a balance of {$5000.00} as of XX/XX/XXXX, yet the payment of {$170.00} on XX/XX/XXXX, is shown. The payment should have reduced the balance, and the reported balance does not align with the recorded payment activity. 
XXXX. Recent Payment Accuracy : The recent payment date of XX/XX/XXXX, seems inconsistent with the charge-off status, which would typically indicate no further payments are applied post-charge-off. 

I am requesting that XXXX investigate these inaccuracies, validate the information with the creditor, and promptly correct or remove the erroneous data. Attached to this letter, you will find a copy of my credit report with the disputed items highlighted for your convenience. 

Please provide a written response detailing the results of your investigation. Should you require additional information, feel free to contact me at ( XXXX ) XXXX or XXXX Thank you for your immediate attention to this matter. 

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

update my current address my current address is XXXX XXXX XXXX XXXX, Mississippi zip code XXXX .want all other addresses and address identification numbers removed from my credit profile and report because the information is reporting inaccurate information. Also should be one name reported on credit profile XXXX XXXX XXXX as it appears on my drivers license and social security number. remove and delete all other various of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, each year I have so much trouble with the credit reporting agencys said because of Covid-19 Lacking customer service online services and no live customer service I have spent hours trying to navagate+dispute errors and recieve my free credit reports without haveing and forced to buy their credit moniotoring services to get my credit reports.I know XXXX did not raise my credit score at all while I repaired my credit from XXXX to current XXXX. XXXX has caused me undue stress, kept my scores down while other reports raised as bad debt was lifted.And offer a credit boost but does not have any of the credit unions I was a member at to utilize my monthly paid utilities on time.Plus I have never obtained one free or purchased credit report when ordered all they give is access to the web.Now I am in court with XXXX  XXXX XXXX XXXX when XXXX bought the debt and I was not allowed to dipute with XXXX at all from XXXX XXXX XXXX and now its XXXX and I am unable to dispute fraudulently created XXXX card.With XXXX or any other reporting agency.Something like a third party attches to my access and keeps me from sumitting my requests. 

It has been a ridiculous time consumeing and to have to struggeled with XXXX & Equifax credit reporting. agencies forced to use their web sites. Then keep the consumer from logging in, from provideing statements kept from disputes kept from Security Freeze lifts ( he web sites are impossible to get a credit report mailed to your home address.I do not feel I should have to pay for my free annual credit report.Or have to find somewhere to print a pdf credit report I bought a home Last XXXX and MY credit scores never moved at all from XXXX  after I resolved multiple bad credit reports.My score stayed at XXXX while XXXX sored to XXXXAnd now I have fraud.I was notified by XXXX  XXXX my credit scores have been decreasing.Thru XXXX XXXX I saw someone opened a XXXX credit card.On the XXXX reporting site.I have not been able to submitt any statements or disputes due to Covid19 excuses and lack of customer service provision unless I write and wait 30 days is what it took me to aquire credit reports in XXXXand these credit reporting agencies hold consumers hostage and exspect them to buy a service from them to review or dispute and item. they carry on my credit.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 XXXXXXXX Balance : {$470.00}
Product: Payday loan

A few years ago ( between XXXX and mid XXXX ) i took out a payday loan from Payday America inc in XXXX XXXX mn. I failed to pay the loan back on its due date but paid it during tax time around XXXX XXXX. I went in to the location i originally took out the loan with my mother, there they told me that everything was fine and rushed me off never giving me a receipt. from then on i kept receiving calls from collectors saying that i never paid and demanding that i do so. When i tell them that i have already paid, they call me a liar and usually would hang up the phone on me. i was threatened with a lawsuit last year in which they told me that if i did n't pay the fees would be greater. i freaked out and paid {$250.00} on a {$410.00} bill. Again no reciept when i requested XXXX they said it was in the mail and left it as that. I also informed them that i was going through a hard time financially and that i was unsure of when i could give them the rest reiterating that i had already paid this debt. now i just received another letter threatening to sue me for XXXX dollars. i am already drowning, attempting to care for my XXXX XXXX sister and my XXXX mother, as well as my XXXX children. i feel that they are trying to take more than they are owed and its not right, even when i made a good will effort to pay a debt that had already been paid off.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan, XXXX [ XX/XX/year> ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Letter Regarding Collection Agencys Violation of Consumer Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute the actions of [ LVNV Funding LLC ACCOUNT NUMBER XXXX ], which I believe to be in violation of my rights as a consumer under federal law. Specifically, [ LVNV Funding LLC ACCOUNT NUMBER XXXX ] has not adhered to the requirements set forth in 12 CFR 1006 ( Regulation F ) and 15 USC 1681 ( Fair Credit Reporting Act ). I request your assistance in addressing the following violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ LVNV Funding LLC ACCOUNT NUMBER XXXX ] has not provided validation information regarding the alleged debt, as required by law. Despite this, they have reported this account to consumer reporting agencies, adversely affecting my credit. 
XXXX. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I have not been given the legally mandated opportunity to dispute this account. The agencys actions deprive me of my right to challenge the validity of the debt and are therefore non-compliant with Regulation F.

3. False and Misleading Practices ( 12 CFR 1006.34 ( d ) ) : By furnishing this account to consumer reporting agencies without providing the necessary disclosures and validation, [ LVNV Funding LLC ACCOUNT NUMBER XXXX ] is engaging in deceptive, misleading, and misrepresentative practices. These actions are in direct violation of the rules governing fair debt collection. 
XXXX. Violation of Fair Credit Reporting Act ( 15 USC 1681s-2 ( a ) ) : [ LVNV Funding LLC ACCOUNT NUMBER XXXX ] has no authority to furnish information to consumer reporting agencies without first meeting all disclosure requirements outlined by federal law. Their failure to comply is a clear breach of the Fair Credit Reporting Act, specifically Section 1681s-2 ( a ). 

These actions by [ LVNV Funding LLC ACCOUNT NUMBER XXXX ] have caused undue harm to my credit profile and personal finances. I kindly request that the CFPB investigate this matter and take appropriate action to enforce compliance with federal laws. 

I also ask that you ensure [ LVNV Funding LLC ACCOUNT NUMBER XXXX ] provides full validation of the alleged debt, removes the unauthorized collection entry from my consumer report, and ceases any further reporting until they meet their legal obligations. 

Enclosed, I have attached copies of relevant documentation to support my claim, including my consumer report and correspondence with [ LVNV Funding LLC ACCOUNT NUMBER XXXX ] ( if applicable ). 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me at [ XXXX ] or [ XXXX ] for any further information. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Asked credit bureau to remove late payment due to balance is incorrect
Product: Money transfer, virtual currency, or money service

i was a victim of wire fraud last XXXX. I recently arrived in the country and I tried to rent a property. The renter founded on the realtor webpage required a deposit and rental. I sent him the money by XXXX last Wednesday and XXXX XXXX XXXX It turns out the house was not his and other people have rented the house. The money was sent with your service- XXXX- so I kindly tried calling Bank of America several times today with no response and i also went physically to an agency to look for help- nobody helped me. I have filed a police report locally and with the FBI. Please help me! 

XXXX XXXX XXXX de XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, 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. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete these items immediately XXXX XXXX
Product: Debt collection

I was originally emailed by XXXX XXXXXXXX on XX/XX/year>, and I responded to them on XX/XX/XXXX, stating : The invoice they sent me was erroneous and appears to be a misguided attempt to collect funds to which their company is not entitled. They sent an invoice for fictitious items, falsely claiming they were owed, in an attempt to extract money. The invoice was for {$24000.00} despite no court ruling or judgment granting them any amount. 

I requested that they provide a written response within 30 days, acknowledging receipt of my letter and detailing the actions they intend to take to address my concerns. Failure to respond in a timely manner or resolve this dispute may compel me to explore further legal remedies to protect my rights as a tenant. 

The company completely ignored my request, and on XX/XX/XXXX, I was contacted by Fair Collections & Outsourcing at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX, requesting an amount of {$11000.00} not {$24000.00}. 

I requested proof of these charges to be provided legitimately, and the company also ignored my request. They have continued to follow up with me for the amount. 

I firmly believe that the charges imposed upon me are unfounded and do not adhere to the terms of our lease agreement.
Product: Vehicle loan or lease

I contacted the company in XX/XX/XXXX as the loan was acquired in XXXX of XXXX for payoff. At that time I was told that were assisting people with the pandemic and would be able to extend the loan for 4 months. That would have been in XXXX. In XX/XX/XXXX, I contacted them again only to find out the there was a remaining {$2600.00} on the loan. Of course during the financial hardship of a pandemic, I was unable to pay off the balance in full and continued to make payments. I made the last and final payment as instructed by a phone representative XX/XX/XXXX. I asked at that time if the {$220.00} in late fees could be waived since I was making the last payment and the account was never paid 30 days late. The representative advised that the late payments could not be waived, however they would not have a due date, they would not accrue interest and would just hold up the title transfer process. Due to the pandemic again, I could not afford to make any payments towards this accounts late fees. Just recently the amount has been sent to collections placed negatively on my credit report, and how someone now gained {$11.00} in unpaid principle. Which is now accruing interest. No one has been able to explain how the unpaid principal has occured, nor how and why this item is reported as a negative item on my credit report, when there was not a due date. My online account has nothing to explain this and the only thing I received was a demand for payment. I never received anything stating this amount was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, XXXX, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XX/XX/XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's
Product: Credit reporting or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days.

See the documents attached.
Product: Credit card

PayPal placed a cease and desist on my account without contacting me.
Product: Mortgage

Wells Fargo Home Mortgage and XXXX XXXXXXXX XXXX scheduled a Foreclosure sale dated XXXX. They have refused to address my concerns in regards to the OCC Letters amongst other issues. I have contacted the OCC and I was informed that The letters were written in XXXX and the concerns should have been resolved by Wells Fargo Home Mortgage and that the CFPB was and is responsible beginning in XXXX for Housing Concerns. I was informed that Wells Fargo should make the necessary corrections and that I should contact the CFPB, XXXX XXXX XXXX XXXX and XXXX XXXX to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A balance in the amount of {$67.00} was paid to   XXXX   XXXX    XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ; telephone  XXXX  on  XXXX . Unknowingly, I was unfamiliar with the balance until I requested a copy of my credit file from  XXXX ,  XXXX  and  XXXX . I contact  XXXX   XXXX  's office and they stated they had mailed me an invoice with a {$67.00} balance several years ago. However, I never received the invoice due to moving from   XXXX   XXXX   to   XXXX   XXXX  . A change of address form was submitted in   XXXX  , however, I never received the invoice.   XXXX   XXXX   XXXX   XXXX   office submitted the payment to a collection agency,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX  ; telephone   XXXX   XXXX   XXXX   XXXX   Capital Accounts stated the balance is {$87.00}, which I am disputing. Attached is a payment receipt from  XXXX   XXXX  's office disputing the {$87.00}.  XXXX   XXXX  's office stated they contacted Capital Accounts to let them know the payment was made, however,  XXXX   XXXX   XXXX   XXXX  refuse to update the payment as being paid, which I have also been disputing the fact payment was made with Equifax and they refuse to delete the unpaid balance off of my credit file.
Product: Money transfer, virtual currency, or money service

They have had 0 customer service live agents nothing. When problems occurred youre just screwed, they take money whenever they want.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX " Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft, which has resulted in the unauthorized addition of fraudulent accounts to my credit report. Under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts : FraudulenXXXX Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$670.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$9200.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$220.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$610.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$690.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00}