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

I am reaching out because I originally requested XXXX XXXX and TransUnion to validate the XXXX as well as the XXXX XXXX account currently listed on my credit report. This account contains significant inaccuracies, and despite my efforts to address the issue directly with these credit bureaus, I have not received any validation of the information they are reporting. These inaccuracies are seriously impacting my credit score and, as a result, have placed an immense burden on my ability to provide for my family. Ive taken the proper steps by requesting that this account be removed due to the inconsistencies in the reporting and the failure of the bureaus to fully validate the account as required under the Fair Credit Reporting Act ( FCRA ).

Despite my formal disputes, I have not been provided with any documentation that proves the legitimacy of the information being reported. This has left me with no choice but to escalate the matter and file a complaint through your organization. The errors on my credit report are affecting not only my financial standing but also my ability to secure essential resources for my household. I am asking for your assistance in ensuring that these bureaus take the necessary action to correct or remove this XXXX account from my credit report as required by law. I am deeply concerned about the ongoing damage this is causing and need your help to resolve this matter as quickly as possible.
Product: Debt collection

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$0.00}
Product: Debt collection

I have been unemployed due to the Pandemic for roughly 10 months. I also have a disability which precludes me from securing certain types of work. Most credit card companies have been supportive during this time, but a couple were not. Late fees, reports to credit agencies etc. I told one in particular that I was waiting for Unemployment assistance and that the threats needed to stop. They didnt. Eventually, they sent the debt to a collection company which has contacted several members of my family, including some I havent spoken to in some time.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an XXXX XXXX account on my credit report several times with Experian. The XXXX XXXX account shows inaccuracies between the bureaus. I have requested Experian to delete the account and provided proof of the inaccuracies showing between Experian and XXXX and they still did not delete. I filed a CFPB complaint 2 weeks ago and they responded stating they could not verify my information. At this point Experian is avoiding me and violating my rights by reporting an inaccurate account. FCRA protects me from inaccurate information reflecting on my credit report but yet Experian is disregarding my request after I sent proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dispute letter, FTC, and Identification documents attatched. 
Pursuant to 15USC 1681i company has 30 days to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a fraud alert on my Experian account and don't recognize or ever initiated in applying for any types of new lines of credit.
Product: Vehicle loan or lease

My name is XXXX XXXX not XXXX thats a mistake Credit Acceptance XXXX, scanned and fraud me two times 2 vehicle loans one vehicle was repossessed. My credit has been ruined. I have creditors calling me and the attorney generals office sent a letter. They are pursuing fraud and scam charges. They scam me and thousands of other New Yorkers, but they will not mediate my case individually. I have to seek counsel, the dealership who sold me the vehicle is responsible for scam. Also, the price was not XXXX the way it was leased it was only XXXX. I had full coverage insurance on both vehicles, one vehicle was repossessed and ruined my credit. I never had a chance with that one. Both vehicles were lemons, constantly breaking down never got to drive them. There should be records of all the repairs. I did to both vehicles one of them this one I have now second loan I took it to the XXXX and they said its a scrap vehicle. It never should been sold in this condition its dangerous I would like for compensation for both of these fraudulent loans.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX sent me a letter indicating that I owe {$1600.00} to my previous property management company XXXX. I moved on XX/XX/XXXX, which was early. I had until XX/XX/XXXX. Since the apartment was roach infested I wanted to move asap. They kept my security deposit and charged me for alleged damage to the unit. I contacted XXXX XXXX to dispute all of the charges and they threatened to put this account on my credit report if I did not pay. I have a right to receive any itemization of charges. On XX/XX/XXXX, XXXX XXXX sent me the list of itemized charges which again I disputed. Now less than a month, this account showed up on my credit reports. These charges are fraudulent. I should not be charged for blind replacement or painting. I had hardwood floors yet they charged me for carpet cleaning. Damaged kitchen cabinet and damaged flooring is very bizarre. Where are the pictures?
Product: Credit card or prepaid card

Potential Bait and Switch by American Express : American Express sent me a mailer offering XXXX Delta mileage points if I spent {$3000.00} within 3 or 4 months. I agreed to that offer, spent the {$3000.00}, and then did not receive that XXXX points. I contacted American Express, which then told me that I did not qualify for that offer, after the fact that I met my part of the contract. American Express then stated they would " look into it '' and expect an answer in 6 to 8 weeks. Of course no contact from American Express. 3 months later I again contacted them, and again the answer that " since I had a card from them 2 years prior '' that I did not qualify. ( Then why send me the offer?! ) My apologies to bother you with this. 
Those XXXX points can be worth up to {$1700.00} or so in air travel, so this is significant. 
My request is that they award the XXXX miles as they offered. 

Lastly, I recommend that the Federal Trade Commission and the CFPB make it a requirement that these kind of offers be clearly part of the credit card application process, that shows that a consumer " qualifies for their bonus or not '' at the time of the application ... .if not, then the consumer will not be misled and will go elsewhere for their business. These corporations should not be able to make an such an offer, then " we 'll look into whether you qualify for the bonus or not after '' switch after ... Is that a " bait and switch or some other illegal or unethical practice? ''
Product: Credit reporting or other personal consumer reports

They keep reporting that my credit score is a 4 to companies that check
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. WFDS Inquiry XXXX XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting

Every time I checked my credit report, it stated " delinquency payment ''. 
As far as I know, It disappears that records after XXXX years which already passed for XXXX year. 
I am requesting to investigate this matter to improve my credit score. 
Thanks
Product: Money transfer, virtual currency, or money service

You sent XXXX PHP to Paypal XXXX Paypal 's damages caused by Acceptable used Policy violation. 

Correction Using Paypal balance XXXX PHP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have verified that I am one of the many who has had their information compromised at Equifax. 
I am XXXX and in the process of trying to get a mortgage loan but am having issues with getting my credit and being locked out of Equifax and having incorrect information removed and/or updated to reflect it accurately and current. 
There is a collection for {$990.00} with XXXX XXXX and it is INCORRECT. I  have tried to get this updated several times and keep getting ignored. That bill was for an emergency room visit that was paid by and covered by insurance at the time and was improperly billed by XXXXXXXX XXXX. I was assured 6 months ago it would be removed by the original creditor but it has not. Also, update my XXXX to report it as OPEN and current with a XXXX balance. I am concerned that information that should be reported is not and is not current and as a result, my credit scores dropped 50 points!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I sent a letter to XXXX concerning payment for a debt. I requested them to remove this debt amongst all the credit bureau 's if I paid off my entire amount. They responded and said yes they will. On XX/XX/2018, I spoke with a representative named Ms. XXXX. I again asked her if they would removed this debt if I paid, she said she would submit my request to a supervisor and for me to call back. I called back not too long after, and they again stated they would remove this debt completely off of my credit report. Up until XX/XX/2018, this debt has NOT been removed as stated.
Product: Debt collection

I have paid on a yamaha credit cart for 7 years,XXXX a month, applying XXXX extra on a XXXX a mth bill, i paid close to XXXX and they say i owe them XXXX on a XXXXloan. they sent the debt to XXXX XXXX, and they call at least 6 times a day, as late as XXXX
Product: Debt collection

Castle Credit calls twice a day using two phone # 's. XXXX leaves voice mail to call XXXX call back #. I've had my cell # since XX/XX/XXXX. XXXX XXXX falsely gave my phone # to Castle Credit. These phone calls and messages have been going on approximately 8 months. XX/XX/XXXX spoke with XXXX XXXX at Castle Credit again. He stated he would get with their IT department to take my phone # out of their computer. The problem calls are still continuing twice a day, every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint about an account that was not correct and should have never been on my report at all because I do not owe them any money. Credit Protection responded stating that they will be terminating the account and it will be removed within 30 days it has been well over that 30 days and yet this collection still shows on my Credit Report and is hurting my score. Again I do not even owe this company and that has be justified and verified as well so I am needing this collection to be removed ASAP!
Product: Payday loan, title loan, or personal loan

I have applied for a number of loans on PayPal under their PayPal XXXX XXXX XXXX program. They have all been PAID OFF SUCCESSFULLY. 

I meet all of the criteria and I keep getting rejected for the loans, I AM NOT SURE IF THIS IS A MATTER OF XXXX  so PayPal should place all of their communications about this matter to the address listed here.
Product: Credit card

I wasn't sure how to mark this, but initially this started as a scam text that addressed me by name pretending to be my boss at my newly started job. From there, I bought XXXX gift cards, under the impression my boss was asking for them. I got scammed out of {$1000.00} on XX/XX/year>. Amounts of {$500.00} were on my debit card and {$500.00} on my credit card. Since then I have filed a local police report, I have submitted claims with Wells Fargo for both of my cards. The claims have since been denied and I have sent back evidence waiting to hear a different resolution. I have gone to XXXX XXXX, the store where I made the purchases, and they were unable to help further. The local police were unable to help further. I contacted XXXX, as they own XXXX, and never got a response. I am running out of options on how to get my money back, and I read online that you guys XXXX be great help to someone like me. I have texts to support, I have the police report number, I have call logs with Wells Fargo on the date it happened. I am attaching what I sent to Wells Fargo XX/XX/year>, as I think it encapsultes the situation the best and I have no way to track the current communication with them via mail as I wait for a response. Don't hesitate to reach out for more information as needed.

Since sending this letter to Well 's Fargo, I can confirm the separate {$500.00} purchases are still spent via my account, which I am hoping to change.
Product: Debt collection

XXXX XXXX XXXX sent me a debt letter claiming I owe them a balance. Reference : XXXX, demanding a response by XX/XX/year>. 

I dispute this debt as the result of identity theft, including the theft of my government issues ID card. I demand that XXXX XXXX XXXX fully investigate this debt and provide proof of their investigation. I also demand live security video proof of the person using my ID at the original creditor. 

The entire premise of my dispute is that someone used my stolen ID card without my authorization with the original creditor. XXXX has been unable to provide proof of any investigation that I owe this debt and has only attempted to provide the ID used at the original creditor, which is further proof of the ID theft as that was the stolen ID card.
Product: Payday loan, title loan, personal loan, or advance loan

I didnt realize my interest was so high I have already paid back the balance of the loan {$500.00} and I still owe XXXX more payments of {$130.00}. They also required me to have the payments taken directly from my paycheck every two weeks. I never received the loan contract I can only see it online and its almost impossible to read online and I can not download it. My interest is 621.92 %
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2024 To Whom This May Concern, I, XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware, or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX
Product: Debt collection

I am filing a complaint against Carmichael and Frost for repeatedly harassing me regarding a debt, despite my clear cease and desist request. Below are the details of the violations : 1. **Nature of the Violation** : Repeated and persistent harassment via text messages regarding the disposition of collateral and enforcement of liens, despite my explicit request to stop all communications about this debt. 

2. **Frequency and Duration** : The harassment has been ongoing, with multiple instances of contact after my cease and desist request. 

3. **Circumstances** : On XX/XX/year>, I sent a cease and desist letter to Carmichael and Frost, requesting them to stop contacting me about the debt. Despite this, they continued to send threatening messages. 

4. **Specific Dates** : - XXXX XXXX, XXXX : I sent a cease and desist letter to Carmichael and Frost. 
- XXXX XXXX, XXXX  ( XXXX XXXX  ) ** : I received a text message from Carmichael and Frost stating that they were proceeding with the Disposition of Collateral process and advising me to retrieve my belongings. 
- XXXX XXXX, 2024 ( subsequent message ) ** : I responded with " Stop '' and " Do not contact me again, '' to which they replied, " Unfortunately we must proceed. '' - XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ** : I received another text message from Carmichael and Frost stating that their legal team had reached out to the Department of Labor and were enforcing liens against me per Article 9 of the Uniform Commercial Code. They threatened to attach my bank account and garnish wages until the client 's balance was fully liquidated. 

These repeated contacts and threats of legal action and wage garnishment, despite my cease and desist request, constitute harassment and are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I request immediate action to address this issue and ensure that Carmichael and Frost cease all communications with me regarding this debt.
Product: Credit card

Received invitation from my bank XXXX XXXX to sign up for airport XXXX XXXX as a XXXX XXXX cardholder benefit. The letter I received stated that I and a guest would enjoy XXXX complimentary visits before being charged. My wife and I used the XXXX visits on a trip to XXXX XXXX in XXXX 2016 but XXXX charged me {$54.00} for the second visit. Despite several attempts to get XXXX to refund the charge, they refuse, claiming that I was only entitled to XXXX " passes '' There is no mention of a " pass '' or " passes '' in the letter -- only XXXX complimentary visits for both me and a guest. The outbound flight was XXXX visit and the returning flight was the second. I believe that the language is clear but If there is any ambiguity, it should be interpreted against the drafter, in this case XXXX XXXX. This was misrepresentation and I want the charge removed from my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to address fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have seriously disrupted my life, causing major stress and anxiety. I must emphasize that I never authorized or agreed to have this information linked to my name- I'm a XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a debt with XXXX XXXX XXXX ( XXXX ) regarding an account allegedly purchased from XXXX XXXX in XXXX. My primary concern is that the debt validation provided by XXXX lacks sufficient detail and fails to address key questions about its accuracy. The records they provided do not adequately demonstrate a legitimate transfer of the debt, nor do they clearly show how the amount owed was calculated. This lack of transparency has made it difficult to trust the validity of the claim. 

Additionally, XXXX  initial notification process was flawed. They claim to have sent me a letter in XX/XX/year>, but I never received it. This has created confusion and prevented me from disputing the debt within the initial timeline, which I believe XXXX have adversely impacted my rights and credit standing. As a result, this unresolved debt has been reported to credit agencies, causing significant harm to my credit score and overall financial well-being. 

Another major issue has been the inconsistency in reporting. All three major credit XXXX, Equifax, and XXXX previously deleted this item from my credit report, only to re-add it later. This repeated re-adding has caused considerable damage to my credit score, created additional stress, and made it difficult to trust the accuracy of XXXX  claim. This action by the credit bureaus, presumably based on information provided by XXXX, raises further questions about the validity and handling of this debt. 

I am asking XXXX to provide more thorough documentation, including the accounts history of charges and payments, and to verify the precise legal ownership of the debt. I also request that XXXX cease all reporting to credit bureaus until these issues are fully addressed, as their current documentation is insufficient and has not answered my concerns. I believe a fair resolution would include a clear and transparent accounting of this debt, along with the removal of any inaccurate information impacting my credit.
Product: Debt collection

I spoke with the company representative week of XXXX and asked not to be contacted during work hours. This was on a recorded line. They call me multiple times a day and more than 7x a week, as well as during work hours as documented with the attached documents. 

XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) plus many more calls as shown in the attached documents