23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX and Experian is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. XXXX and Experian says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've had been a victim of transunion inquiry issue. I have called them to try and remove items but customer service did not help. 

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

I have a home equity line of credit at TD Bank, account number XXXX. 

The account has been paid monthly by me for the past XXXX years timely paid. 

The XX/XX/2022, payment was made by me on XX/XX/2022. It was made by me as a direct online transfer from my TD checking account to my aforesaid TD credit line account. By the express language of the online payment confirmation this payment was Immediate- effective immediately. I have attached a copy of both the Transfer History, Exhibit A, and the Transfer Detail Exhibit B, both for this payment, and both of which are TD generated, which show : Transfer History ( Exhibit A ) shows 1 ) Payment into my account credit line XXXX 2 ) XX/XX/2022 Payment amount {$350.00} ( only {$330.00} was due ) 3 ) Payment Date XX/XX/2022 And Transfer Detail which has 1 ) The bank confirmation number for the transaction XXXX 2 ) The transfer being from my TD Simple Checking XXXX to my credit line XXXX 3 ) The Amount {$350.00} XXXX ) the Type of Transfer-immediate and 5 ) the Transfer Date of the immediate transfer- XX/XX/2022 As the payment was due on XX/XX/2022, and as it was made, effective immediately, on XX/XX/2022, it was paid on the XXXX day and thus was not more than 30 days past due. This should not have been reported to the credit bureaus by TD bank and when the credit bureaus received my dispute and reviewed it, all three of them should have removed this reporting error immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Moneylion Inc. by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.
Product: Credit reporting

Transunion is taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.
Product: Vehicle loan or lease

a bunch of thieves, they took {$250.00} as a hold for a new car but they changed the terms of the loan, when i didn't accept the new terms they said tough luck. the second car i tried to get is used so i had to pay XXXX $ to reserve it, when they couldn't find me a loan they also said tough luck and that it's not refundable. they are nothing but thieves and musk should go out of business for these scams they are doing to honest working Americans. I wish nothing but bad luck to this stupid dishonest company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported late payments on my account for incorrect months in the past. They have even listed my date of last payment incorrectly. This account reporting inaccurately is hurting my score with mortgage lenders. 

Also, payment status is incorrect as this account is no longer late.
Product: Debt collection

XXXX XXXX XXXX is erroneously reporting a collection on behalf of XXXX XXXX to all three credit bureaus. I do not live in an area where XXXX is a service provider. I have lived in XXXX Texas for years now and we do not have XXXX  as an electric provider.
Product: Checking or savings account

After informing us bank I filed a bankruptcy they refused to release funds back to me per the instruction I received from XXXX from their corporate customer service department. I went into the branch in XXXX Illinois on XXXX XXXX and was partially greeted by XXXX XXXX at the door who literally interrogated me at the door regarding why I was coming in and then got upset with me because I didnt want to discuss my bankruptcy in a line full of people. She began to make nasty comments saying oh its too much going on what day is it its only Tuesday and all this is going and then continues to be disrespectful and talk about me to the XXXX XXXX securitas guard. Then when leaving she informed me she was the branch manager and would be leaving in a few days anyway.
Product: Debt collection

An individual used my personal information to open a XXXX XXXX account in my name. They accumulated a total amount of {$6400.00}. The account number that the fraudulent individual used is XXXX, and the address that the account is listed under is XXXX XXXX XXXX, XXXX, FL XXXX. I have spoken with the XXXX XXXX Fraud Department, and they have begun the process of investigating the fraud. I have begun to file my case on the XXXX XXXX Fraud website, and will need this case number to complete the information.
Product: Debt collection

XX/XX/XXXX Consumer Information : ** XXXX XXXX XXXX, TX XXXX XXXX XXXX National Credit Adjusters , LLC XXXX, KS XXXX ( XXXX ) XXXX I am writing to formally complain about National Credit Adjusters , LLC. They have altered important details regarding an account that is reported on my credit report. Specifically : 1. They changed the date the account was opened. I have proof that the account was originally opened in 2021, but they have reported a different date.

2. They modified the name of the original creditor to themselves, which misrepresents the account 's history.

3. They adjusted the missing payment date to XXXX, which is inaccurate and affects my credit report negatively. 

These actions violate the Fair Credit Reporting Act ( FCRA ), specifically : - **15 U.S. Code 1681s-2 ( a ) ** : Requires furnishers of information to provide accurate information. Reporting incorrect dates and misrepresenting the creditor history is a breach of this law.

- **15 U.S. Code 1681i** : Allows consumers to dispute inaccurate information on their credit reports. Since the information being reported is inaccurate due to their alterations, I am requesting an immediate retraction of this information.

Under the Fair Debt Collection Practices Act ( FDCPA ), I also point out that : - **15 U.S. Code 1692e** : Prohibits debt collectors from using false or misleading representations in connection with the collection of any debt. The inaccuracies reported fall under this category and further invalidate any claim they may have over this debt. 

As a result of these alterations, I believe the debt is null and void, as they have provided false information on my credit report, violating my rights under consumer protection laws. 

I request that National Credit Adjusters , LLC remove this inaccurate information from my credit report promptly. Additionally, I do not acknowledge owing any debt to this company. 

I am attaching documents that support my claim. 

Thank you for your attention to this matter. I look forward to your prompt response. 



Signature XXXX XXXX
Product: Debt collection

CCS sent me a debt collection notice for a debt I do not recognize. In addition, CCS never sent me a debt validation notice as is required by the Fair Debt Collections Practices Act. Furthermore, CCS has not nor has agreed to provide all relevant contracts and information as to the alleged debt. I do not owe any debt to CCS nor have I ever. In addition, the alleged debt is past the statute of limitations. CCS is flagrantly violating the Fair Debt Collections Practices Act with their illegal debt collection tactics. Furthermore, they use the website XXXX to imply that it 's some sort of legal action that is taking place. This is deceitful debt collections and is in flagrant violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent dispute letters to Equifax, XXXX  and XXXX to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX.

2. Round 2 was sent in XX/XX/XXXX.

3. Round 3 was sent in XX/XX/XXXX.

4. Round 4 was sent in XX/XX/XXXX.

I have charge offs remaining on each credit report from Equifax, XXXX  and XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX   and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.
Product: Debt collection

I reached out to these companies back in XXXX I disputed XXXX XXXX, XXXX and XXXX XXXX. I asked the companies to send me an original signed contract with my signature and they sent me these documents. I had XXXX XXXX deleted that was reporting XXXX but XXXX is still being reported. I reached out to XXXX  here and s a phone number for them XXXX Also there is a document from XXXX XXXX  that I attached I reached out to them as well and XXXX XXXX XXXX are reporting this account with no original signed contract with my signature.
Product: Credit card or prepaid card

My credit was pulled without authorization by CBNAXXXX and there is no contact information available. Again, I did not authorize this action. 

Thank you!
Product: Credit reporting or other personal consumer reports

I want to File auto dealer fraud XXXX XXXX finance None of my documents that I requested match or support the transaction. I went to the XXXX XXXX dealership who ran up to 5 applications over a week for no good reason and they provided me a lender whose terms changed once it came to signing with was XXXX. The Declaration page has XXXX yet XXXX is now listing themselves as the lien holder and reporting inaccurate information to credit bureaus. Documents have False Signatures Never signed or agreed to any of the Terms with XXXX XXXX I have included a letter, emails to XXXX corporate office and screen shots
Product: Credit card or prepaid card

I have a credit card account with Capital one since XX/XX/2014 my payments were always on time. I don't really use the account much anymore. 

I was taken aback when I got a notifictaion from that a new late has come on to my credit file. I checked to see what that may be and saw a late reporting from Capital one I immediately called  Capital one to find out what this was. They informed me that this was for the annual fee. The issue is I have not gotten any bills via mail or email to notify me about this charge. I would have no idea that I owe anything if I don't get a bill. 

I haven't used the card in months so I wouldn't just randomly check on an account which I do not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}
Product: Checking or savings account

Dear Wells Fargo, I am writing to request a refund for an unauthorized XXXX transaction on my Wells Fargo account. I discovered a transfer of a total of {$3800.00} from my account to an unfamiliar recipient. I immediately reported the incident to Wells Fargo, providing all relevant information regarding the transaction. Wells Fargo is required to investigate all reports of unauthorized transactions. 

However, I am disappointed that the bank has declined to issue a refund, citing federal law as the reason. I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The EFTA and Regulation E state that a bank is liable for unauthorized electronic fund transfers if it fails to implement reasonable security procedures to protect its customers ' accounts. In my case, Wells Fargo 's own investigation revealed suspicious activity on the Client 's online banking account, with logins recorded from locations such as Texas, XXXX XXXX, and even XXXX. 

These findings strongly indicate unauthorized access and fraudulent activity. As a responsible account holder, the Client have always taken necessary precautions to protect my account information. I have never shared my account number or password with anyone, and I use a strong password that the client change regularly. The client also use two-factor authentication whenever possible. 

Given the circumstances of my case, The client believe that Wells Fargo is obligated to issue a refund for the unauthorized XXXX transaction on my account. I respectfully request that you reconsider your decision and promptly initiate the refund process. In the previous letter, the client was asked to provide new evidence regarding the claim, I have attached all the evidence regarding the claim, including the police report. Thank you for your time and attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Walmart card still says that I have an account over the credit limit on my credit report. Credit limit {$500.00} and over {$660.00}. The address for Walmart is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never opened an account with Walmart and they are still on my credit report with XXXX and XXXX. Please correct this error in regards to Retail Card over the limit.
Product: Debt collection

I received a copy of my credit report and saw this item of information reporting : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number : XXXX The following account has been reinserted on my credit file in error as it had been previously deleted. I am once again disputing the completeness and accuracy of this item of information. It is my understanding that once an account has been reinserted there were required steps you should have taken as a result of that action. Accordingly, I was supposed to be notified in writing within 5 business days after the date of reinsertion. The notice was supposed to include : 1. Statement that the disputed information has been reinserted 2. Business name and address of any furnisher of information contacted etc.

3. Notice that the consumer has the right to add a statement I have yet to receive that written notice. Im requesting that you delete the item of information once again. 
XXXX XXXX XXXX XX/XX/1965 XXXX See attached letter
Product: Credit reporting or other personal consumer reports

Unauthorized accounts seem to have been added to my credit report, possibly from identity theft, and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found many disputes with Equifax XXXX and XXXX. My dispute always come back updated which there's nothing that changes. under the FDCP act. All of my requests have notes of inaccurate information I've asked many times for documentation. I've asked for a copy of the original agreement or contract for this alleged debt if the original creditor has sold or transferred this debt then a. Copy of the agreement of original creditor and XXXX XXXX XXXX that grants the authority to collect this debt. Under the FDCP ACT no information shall be on my credit report if it's not 100 % accurate. And XXXXXXXX XXXX has inaccurate information on my credit report and XXXX Equifax and XXXX are saying they 100 % investigated. Which is false information not accurate and still leave on my report. I believe they should be fined for not 100 % accurate information
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 practices which violates the Consumer Financial Protection Act CFPA cashapp failed to take timely and effective measures to prevent fraud on they platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with era resolution requirements under the Electronic fund Transfer EFT ACT and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquires from XXXX and XXXX XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX  from my Equifax report XXXX, XXXX, and XXXXXXXX XXXXl from all of my credit reports via Equifax, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TXXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I made a XXXX XXXX XXXX XXXX  online purchase using Afterpay. I returned the order and Afterpay continues to try and collect for the balance of the order, even after I informed them of the return. Just today, Afterpay had a debt collector to contact me requesting payment of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with XXXX  and called Equifax on XX/XX/2020. Equifax referred my back to to XXXX, denying any connection between Equifax and the questions posed at the site. I've since received a letter from XXXX instructing me to contact the bureau ( s )  directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.
Product: Credit reporting or other personal consumer reports

The loan was paid off through bankruptcy. After bankruptcy was completed I began to receive delinquent phone calls although I received the title for the vehicle. After speaking with the company they promised to have the delinquency removed from my credit profile. I tried to dispute several times but XXXX will not remove the negative rating on my credit profile. I would like to file the complaint against Regional Acceptance and the credit bureaus XXXX, XXXX, and XXXX that are reporting this item as negative.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

XX/XX/23 Opened mail and discovered I received a XXXX XXXX XXXX from Chase that I never applied for I checked credit report and see I had a JPMCB Card credit check on XX/XX/23 that I never authorized. 

On XX/XX/23 I immediately contacted Chase who claimed they closed the account.