23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a dispute on XXXX XXXX for 2 purchases. One purchase was XX/XX/20 for XXXX, and the second charge was on XX/XX/20 for XXXX The card was declining at the stor register on XX/XX/20 so we used an alternative source of payment for the purchases but the card was still charged.

The second dispute transaction on XX/XX/20 was an unauthorized debit feoma collection agency that did not have my permission to use that card but the charge was deboted anyway. I have reached out to my credit card company multiple times since the
original dispute date XX/XX/20 for the purchases to be credited back to

my account and they refuse to do so. I sent them documents needed via fax, mail, email and 4 agents have so emailed that department and they still have not honored my request. They sent me a statement today that still had those charges included on the balance. I spoke to a representative today XX/XX/20 that stated they need receipts for purchases.. but I did not purchase these items at all.

I am being treated poorly and unfairly and have have sent in correspondence through 6 agents, both of my email accounts, fax and email. I have done my part but they refuse to help me. I want to file a report of abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inaccuracies with The Ally Financial Account on my profile. 

The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX! Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX shows charged off while XXXX shows 120 days late in XX/XX/XXXX, then " OK '' In XX/XX/XXXX, Then " Charged off '' from XX/XX/XXXXXXXX  to XX/XX/XXXX, Then " OK '' From XX/XX/XXXXXXXX   til XX/XX/XXXX. 

XXXX XXXX XXXX are also showing the following inaccuracies : Last Reported : XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  Comments : XXXX-Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. XXXXCharged off account Auto Date Last Active : XXXX XXXX XXXX Date of Last XXXX : XXXXXXXX  XXXXXXXX  The account that Ally Financial is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Product: Debt collection

I was recently turned down for credit for a personal loan by several companies and then for an apartment I applied to rent. I checked my credit report to see why and Shellpoint has been reporting my two mortgages as more than 120 days late, with the current balance, and on one has reported the foreclosure proceedings. 
The company has also made credit inquiries on three occasions while foreclosure proceedings were ongoing and they had no reason to and no permission form me.

Shellpoint pretended to entertain a modification based on divorce and then another time loss of employment. It then asked for the same documents and information it already received over and over, sent new modification packets every so often, kept telling me it was under review, and filed to foreclose after months of me sending 100 's of documents and spending hours filling in information on forms they already had. 

It has stressed me out so much that I was on unpaid XXXX for 3 months, and incurred {$1000.00} 's of medical expenses. I gave up and sold my house to a cash buyer. They are now refusing to get my title company a payoff balance, probably because they get interest every day I don't pay if off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans that were serviced by XXXX/XXXX XXXX. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by XXXX XXXX. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.
Product: Debt collection

I am writing to express my deep concern regarding the unethical practices of Persolve , LLC, and the failure of XXXX, XXXX, and XXXX to address fraudulent collections on my credit report. 

In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank XXXX XXXX XXXX ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from Persolve LLC demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over {>= $1,000,000} per year. 

I have made numerous attempts to dispute the fraudulent collection with XXXX, XXXX, and XXXX, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, Persolve LLC has continued to claim that the debt is mine and has refused to remove it from my credit report. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but Persolve LLC still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} due to their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. I have now been forced to sell my home to access the {$350000.00} in equity in my home. 

I implore the CFPB to investigate the unethical practices of Persolve LLC and the failure of XXXX, XXXX, and XXXX to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Credit card or prepaid card

I received a VISA debit card for {$250.00} ( card no,. XXXX XXXX XXXX XXXX ) as a reward for performing XXXX  for XXXX XXXX. Unfortunately, I did not realize that it expired XX/XX/22. When I noticed in early XXXX, I contacted XXXX to see if they could extend the date. I heard yesterday from them that I would have to contact the issuer VISA ( Bank of America ). I contacted them and they are both unwilling to extend the date and also are playing games with my request. The first supervisor told me " no, they could not extend ''. When I asked to speak to her supervisor, she honored the transfer to supervisor request but ( perhaps ) hung up on me. I called back and the new person said he would escalate it to his supervisor. I am now on hold waiting for that person, and it has been at least three quarters of an hour. The attendant comes back on the phone every 6-8 minutes and says, " I am sorry, we are waiting for the supervisor ''. I asked this person to have the supervisor call me, but OF COURSE they are unwilling as that is not their policy. They have no value for a customer 's time but, in my mind, are just playing games with me hoping I will go away. If I were making a request to get their credit card, I know I would not be put on hold for this length of time. I understand that the expiration date has passed by three weeks, but I also know they have been paid by XXXX XXXX. I think there is nothing but greed on their part in that they are unwilling to extend the date, especially given these difficult covid times. I believe a multi-million dollar company could do much better and SHOULD do much better. I am not happy at all with the way I am being treated, being placed in an unlimited queue to speak to someone, nor am I happy that they are making it so difficult to speak to the supervisor. Nor, that they are that inflexible when all they do is make money off the working person. 

I suspect that the lobbying industry has put all kinds of regulations in place to protect the big money donors like VISA, Bank of America, thus hurting the average working-class citizen. I believe that they received the money from XXXX and should be forced to give it back both to me or anyone else in this same situation. With the computer at their ready access, they can view the card easily and see it was never cashed. 

Thanks for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ;
Product: Debt collection

I received a letter on XX/XX/XXXX from Waypoint Resource Group ( Acct # XXXX ) stating that i owed {$160.00} for a XXXX account. I immediately reached out to Waypoint and after dealing with a couple of rude representatives, i got in touch with a supervisor named XXXX XXXX. I explained that i had contacted XXXX and they were investigating. Prior to contacting Waypoint, I got in touch with XXXX executive offices and spoke to XXXX ( Elite Customer Experience Mgr. - XXXX Complaint # XXXX ). Ms. XXXX looked into this and came to the conclusion that this was filed in ERROR and that they ( XXXX ) had already sent notification as of XX/XX/XXXX to Waypoint to remove. In my conversation with XXXX ( Waypoint ) i agreed to contact him before XX/XX/XXXX to either pay or verify that this debt was invalid. I have called MrXXXX XXXX 8 times between XX/XX/XXXX and XX/XX/XXXX. The reps keep telling me he will call me back but as of XX/XX/XXXX no contact. This is showing negative on my credit report and they wont contact me or try to fix this, even though XXXX has told them that it was filed in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX said I was late on a payment XXXX of 2020. But has failed to show me proof. I have called them several time and have mailed them bank statements showing I paid in the month in question. I have also disputed it with Experian, XXXX, and XXXX  and have not gotten anywhere. They are reporting inaccurate information on my credit report which in a valuation against the FCRA.
Product: Debt collection

This is a supposed debt of items I did not purchase. In 2011, my identity was stolen. As a result some charges were incurred fraudulently using my personal information. This includes electricity bills, cable bills, stolen checks and merchandise purchased from CONNS XXXX. I have been a loyal customer to CONNS. Purchased and paid off my debts with only one missed payment. 
To my surprise, on checking my credit report, I see XXXX delinquent accounts with CONNS XXXX. All effort to dispute these charges with the XXXX credit reporting bureaus have been futile. 
They requested that I get a Police report, but the statute of limitation has elapsed. 
" I am requesting that These XXXX items be deleted from my credit report as I am not responsible for the purchase '' I have been a loyal customer and this may have caused Conns not to conduct proper verification of my identity before transacting business with the impostor. 
Again, I am not responsible for this accounts, Please DELETE FROM MY CREDIT REPORT
Product: Money transfer, virtual currency, or money service

Father was in jail, person called pretending to be a worker of the government official, said I had to pay half of the ankle monitor fee before he could be released and that I can send through chime.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

A company, Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Indiana XXXX, sent me a bill that they claim is from another company from XX/XX/16. I have never hear of the current creditor, XXXX XXXX XXXX, or the original creditor, XXXX XXXX XXXX. They say they can not sue me because of the age of the bill but they threaten to ruin my credit rating. They also say I can pay a reduced amount if I answer quickly. I think this is a scam. 

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

Your Account Dispute has been updated. 
XXXX XXXX, XXXX  The dispute for the account with XXXX  XXXX that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XXXX XXXX, XXXX  Report Number : XXXX Account Number : XXXX Company : XXXX  XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from XXXX. I am shopping for a Used car and now having a tough getting a car loan approved as XXXX decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from XXXX we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other Credit agency Trans Union and XXXX also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

Respectfully, XXXX XXXX
Product: Checking or savings account

I opened a checking account with XXXX on the XXXX of XXXX ( over three weeks ago ) motivated by a cash bonus for opening the account and completing some additional requirements. I have deposited over XXXX into the account. This institution does not have physical branches. I have zero access to my money or account through their app or website. I have not had access virtually since I opened the account. I know my user name and password with 100 % certainty. When I enter them it does not tell me they are incorrect. It says I can't login right now and to call customer support or something vague like that. Even so, I tried to reset the password multiple times. When I enter my information to reset the password it tells me there is not a user with that info. They have admitted fault in this issue. They told me that a batch of user accounts were accidently deleted. It has been weeks. Every time I call ( at least 3 times ) they tell me they are working on it. Then a week goes by and nothing happens. I have no access to the XXXX and they can not fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting fraudulent accounts, addresses and inquiries on my credit report. I am an accountant and my field requires you to have a good credit history. I was laid off from my previous employer due to Covid. I am currently seeking employment elsewhere and the jobs I have applied to will run my credit to make sure I am in compliance with the credit criteria. With the fraudulent accounts and information reporting on my report, I likely will not get a job offer!
Product: Debt collection

I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.
Product: Debt collection

I have informed XXXX XXXX to stop contacting me during hours after XXXX and beforeXXXX XXXX. I have received at lease 20 called even after I told them on the phone to stop contacting me.