23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Upon reviewing my current credit report from your bureau, I came across the attached highlighted item, and I do n't think it is mine. Would you please remove this item from my credit report? 
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item AMERICAN HONDA FINANCE disputed by name of AMERICAN HONDA FINANCE is  inaccurate because I did not used or gave my personal information to this creditor. I am requesting that the item be deleted to correct the information. 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Credit Report
Product: Debt collection

This company is attempting to collect a debt that is not owed by me. I have repeatedly asked the company to submit proof of debt ownership. They have repeatedly ignored my request and not provided and valid proof that I owe this debt. They have reported this debt to XXXX and I have also requested they remove that debt. The have not done so. they are attempting to collect {$140.00} that I do not owe to them. I have sent certified letters requesting proof of valid debt ownership. Yet the company has ignored all request and provided nothing. Contact info Name NATIONAL CREDIT SYSTEM Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for them to please provide me with ALL of the following : XXXX. Agreement with the original creditor that authorizes you to collect on this alleged debt. 2. The original agreement bearing my signature stating that I have agreed to assume the alleged debt including the original date the alleged debt became payable. 3. Valid copies of the original alleged debt agreement stating the amount of the debt and interest charges including the date of the original charge off and delinquency. 4. Proof that the Statute of Limitations has not expired. 5. Complete payment history on this account along with an accounting of all additional charges being assessed. 6. Provide proof that you are licensed to collect in the state of Georgia ; and 7. Your license numbers and Registered Agent. The company refuses to send the information or communicate at all. The address listed is not a real address. This debt has been paid. This company should cease collection immediately and remove all collection activity from ALL THREE CREDITY BUREAU 's reported too immediately!!
Product: Bank account or service

I made a mobile check deposit on an account and from my account statement it was credited with a confirmation stating it was posted XXXX/XXXX/15. However, the bank took it back ( debit ) the account on XXXX/XXXX/15 citing that the check was deposited twice. Called customer service and told them that is an error since my statement only shows it was deposited once, Later was told to go to branch. Went to branch and was told that case will be opened and would investigate. Waited for almost a week to be contacted by the perdon handling the case despite me calling everyday trying to follow up. The case yielded nothing -bank stating again that " they ca n't do anything because it was deposited twice ''. When I asked if that was it they said " yes, because the case is now closed '' and the best resoulution is just ask for another check. .I told them that customers should never feel like they are being ignored by bank. Was so upset, so I called executive customer service by bank XX/XX/XXXX.-reported the issue and they assured me that this would be handled and investigated. received call from them XXXX/XXXX/15 after I called again to follow up. I was told that their record shows it was deposited twice and I would either need to get an affidavit from the bank that issued the check or have the issuer issue another check. I told him that why is the bank making me feel that it was my mistake when clearly if they look at the statement it was only CREDITED ONCE and NOT TWICE. He said he tried reaching out to the bank and was waiting for a call back. I told him that I would ask the issuer for assistance, he gave me his direct contact number. Last XXXX, I heard from the issuer of the check and per their bank the check was already processed by Chase and therefore they can not reissue another check. Tried calling the case manager XXXX Thursday, XXXX Friday and called executive customer service XXXX to ask case manager to call me back. Stiil no return call. No customer should ever feel this way from their bank. Poor customer service skills by not calling back promptly. Even the other bank said that Chase made the error but their is no action from Chase to assist me in getting this resolved.
Product: Credit card

On XXXX XXXX, 2016, I visited Macy 's XXXX in XXXX XXXX, TX to purchase multiple home goods. During the visit, a salesperson named XXXX repeatedly asked me if I were interested in signing up for a Macy 's credit card with the promise of a XXXX % discount. I explained that I was not interested since Macy 's was already offering XXXX % and it was not worth it to me to save the additional XXXX %. She later clarified and informed me that it was going to be a XXXX % statement credit in addition to the XXXX % that I was going to get off the sales price. I asked her if this would be XXXX % off of everything I purchased, and she stated that it would qualify for all of my purchases that day ( XXXX/XXXX/16 ) and the next ( XXXX/XXXX/16 ). She rung up my purchases ( approximately {$820.00} ), and reiterated that I would receive XXXX % off of what I just bought, she even encouraged me to go and buy a dress and additional items so I could maximize the XXXX % discount up to my approved credit card limit of $ XXXX. The next day, I returned to the store and made an additional $ XXXX purchase in home goods. Later that same day ( XXXX/XXXX/16 ), and in a different department, I explained that I was going to use my Macy 's card because I was going to get almost {$400.00} in a statement credit, and that is when a different salesperson ( XXXX ) informed me that the XXXX % statement credit was limited to {$100.00} only. I told her that was not what XXXX had told me the day before. XXXX empathized and encourage that I complain because it was not right that XXXX had deceptively and falsely encouraged me to apply for a card without stating the {$100.00} statement credit limitation. The brochure for applying for the card, which lists the {$100.00} statement limitation, was not provided to me until after I had already applied, made my initial {$820.00} purchase, and was so excited about already saving, what I thought was going to be {$160.00} in a statement credit. So I agree that the information was available to me ; however, it was not presented to me before applying nor was it stated to me during the application process. Instead, a salesperson blatantly lied to me in order to get another credit card since it 's considered " magic. ''
Product: Credit reporting or other personal consumer reports

I have received an updated copy of my credit report today and Im just disappointed to see the same unfamiliar accounts entered on my file. It seems that someone has been using my identity without my knowledge and I believe that I have raised this concern from your department before and until now I haven't received any correspondence from your end.

Please be advised that I never authorized anyone to make any changes or furnish inaccurate details on my credit report. I dont want to tolerate any fraudulent actions or activities like this as it may harm my reputation as a consumer. I want you to immediately remove these unidentified accounts from the list : 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  I would appreciate receiving another updated copy of my credit report without these unfamiliar accounts from my files.
Product: Credit card

My capital one ID XXXX XXXXUnable to access my account since last year XXXX.Contacted customer support and they said will update me through email but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Product: Credit card or prepaid card

Within the company 's " Amex Offers '' XXXX, they list an offer with a headline that reads : " Spend $ 500+, get XXXX Membership Rewards points ''. The listed merchant is amextravel.com, which implies that all purchases made at amextravel.com should be covered. They then allowed me to enroll in the offer without the display of any further terms on their website. Because of this offer, I went on to cancel a flight that I had with a different credit card in order to re-buy the flight with my XXXX XXXX XXXX Card instead. This flight cost {$620.00}, which is above the limit required for the offer. After not receiving the XXXX bonus points, I went back to the offer and noticed there were very materially important terms left out of the headline. Specifically, I had to spend the {$500.00} on hotels at amextravel.com. This was never made clear to me before enrolling in the offer and canceling my flight with another card in order to earn the reward. This seems entirely misleading to me. There was no way for me to know that this would only work on hotels when I enrolled in the offer, and it forced me to make a significant financial decision because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

summited a dispute with XXXX XXXX XXXX  XXXX company, and SOURCE RECEIVABLES MNG I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692 ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter
Product: Debt collection

This Debt was credited to a collection agency ( SOURCE RECEIVABLES MNGMN ). After filing multiple police reports and reporting to FTC.Gov I got in contact with the original creditor ( XXXX ) and was told that this account was opened in 2019 while I was a minor. Ive been working extremely hard to resolve this issue and file as many reports as possible.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts and inquiries appearing on my credit report with TransUnion. These items are not related to any transactions I have authorized and are the result of identity theft. 

Accounts to be removed : 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  : XX/XX/year> ) Please block these items from my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and notify the furnishers of these items regarding this dispute.

Enclosed, you will find the following documents to support my claim : A copy of my Identity Theft Report and proof of identity.

A copy of Section 605B of the FCRA for reference.

Thank you for addressing this matter promptly. I look forward to your confirmation that these items have been removed. 

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

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX, 12 XXXX  XXXX XXXX  XXXX A, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and there is no third party involved in the process. This complaint is for false reporting of misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 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.
Product: Credit reporting or other personal consumer reports

On my XXXX XXXX  the negetive colletion account supposed to be removed it not mine account social XXXX
Product: Credit reporting

I challenged this account because the date opened can not be correct. 
The response I received is : '' XXXX ErrorDispute ResultsIt looks like your dispute request has encountered XXXX or more errors. You can find the error codes below, along with a brief description. " There was no description or code as stated and so I called Transunion XXXX and an XXXX speaking lady told me that she would have to reissue the dispute and they would contact me back in 30 days. She said the error code was because of erroneous information I provided. I questioned what she meant by this. What was erroneous? She became infuriated. 
She stated again that I provided erroneous information. Her infuriation heightened I ended the call. 
XXXX has removed the deragatory information ( see copy ).
Product: Money transfer, virtual currency, or money service

My Name is XXXX XXXX and I have been using XXXX ( XXXX XXXX ) for almost 4 years. I have my Chase bank debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via XXXX XXXX every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via XXXX XXXX. I opened my XXXX XXXX account, l went to recent activity, I selected XXXX XXXX name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via XXXX XXXX, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his XXXX XXXX account, he said to me that he did not receive the money. I opened my XXXX XXXX account and checked the transfer. I realized that there were two XXXX XXXX accounts. I knew right away that I was scammed because I have only been sending money to one XXXX  Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, Chase Bank right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact XXXX XXXX and tell them to initial a dispute. 
I emailed XXXX XXXX ( XXXX XXXX ) and told them everything. They told me that they are XXXX XXXX is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to Chase Fraud department and exchanged many messages with XXXX XXXX support group, both companies made it clear that they were not going to investigate my case. 
So, I did XXXX all weekend ( XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my Chase account. I went to my XXXX XXXX   account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via XXXX XXXX on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted Chase Fraud right away and XXXX XXXX. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collections notice was put on my credit file even though I have a receipt showing the balance was paid in full many months prior to when the collection was filed. XXXX and XXXX have both removed the collection from my credit file but Equifax refuses to remove it. I have opened a dispute with them and they closed the investigation without removing the collection. I called them and they said that even though I had submitted the receipt that they were unable to remove the collection from my report. They then said that they could open another investigation. I have a mortgage that is on hold right now because they can not underwrite it with open disputes on my credit file. It's been over a month and I need this done!
Product: Debt collection

I called the trueaccord collection agency who wanted more information which I refused other than email It is worth noting that email that I got was from XXXX It should be fraudulent and -very was there. But trueaccord agent just wanted more information from without telling me to ignore. 
They found the account number mentioned in the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter requesting the removal of unknown accounts and inquiries from my credit file. Today, I discovered that according to FCRA 605B ( 15 U.S.C. 1681c-2 ), these items should have been removed no later than 4 business days after the aforementioned date. These errors are significantly impacting my credit score, and I demand immediate correction in accordance with FCRA. I previously raised this issue in my Complaints and I am reiterating my request. The specific items that require removal are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I want to make it clear that I did not open these accounts or authorize anyone else to do so on my behalf. I strongly believe that this is a case of identity theft, and I am taking the necessary steps to report it to the authorities.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 just looking over my credit report and noticed that BMW FINANCIAL SERVICES/CREDIT is false reporting needless to say that the debt was never XXXX this is what BMW FINACIAL SERVICES false and fraudulent reporting to credit bureau and also tax reporting as a loss the statue of limitation has ran on collecting and was written off as XXXX ON 1099 for tax purposes by BMW FINACIAL SERVICES . THIS ACCOUNT WAS CLOSED MORE THAN 5 years ago. I want BMW FINACIAL SERVICES to completely remove the entire account off of my credit report due to false and fraudulent reporting. the balance before write off was {$9300.00}. 
Original balance {$12000.00}. For them to continue to report and their is not legal claim for this debt and for the damages for doing this obvious fraudulent report.
Product: Debt collection

According to the FCRA XXXX account # XXXX has violated my rights. 

FCRA section 605 B. It is illegal to report information on my credit report without my permission.
Product: Credit reporting or other personal consumer reports

SBNASELFLNDR : XXXX This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : Application account agreeement and annual disclosures billing statements from open date to current copy of hardship or workout plan agreement Gramm Leach Bailey Disclosures copy of 1099-C