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

im an victim of identity thief and someone opened this account in my name and I tried to dispute it with the bank because this account isn't mine
Product: Credit reporting or other personal consumer reports

I Requested validation of this debt as allowed per the FCRA section XXXX and the fdcpa. 
Despite Previous correspondence the collection agency XXXX XXXX XXXX has only provided a billing statemen of the alleged debt, and has failed to provide the original contract.as me being a previous victim of identity theft. I always request all documents for my own file. Additionally, XXXX funding. XXXX has failed to provide documented ownership of the debt, proof of their license or right to collect on the debt in my state, and proof of any previous payments made on the debt. Their failure to provide this information within the required timeframe is a clear violation of the FDCPA. Furthermore, XXXX XXXX XXXX has continued to contact me through true accord regarding this debt despite me requesting for them to cease communication. They are texting me as i type this .which i have documented. Their continued contacts constitutes harassment.moreover, XXXX XXXX XXXX has even failed to report to the bureaus that the two alleged debts were in dispute.as such, I demand {$1000.00} for their non compliance and harassment. Additionally they are reporting a balance on a collection account. ( two collection accounts by them ( credit one bank ) this is misleading and inaccurate reporting.LVNV has violated me in many ways. So i request they delete these accounts off of my credit report. Thank you for your prompt attention to this matter.
Product: Student loan

This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is DEPTEDXXXX balance account # XXXX 90 days late in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Zelle didnt ask if it was the correct person I was sending money to and accidentally sent it to the wrong person they wouldnt reimburse me
Product: Checking or savings account

I received a debit card from Chase Bank to be activated on XXXX XXXX then on XXXX activityI received a letter from the bank that days that the account was blocked due to recent activity. 
I also called the bank today and also immediately after I received the card by mail. 
I reported it to the fraud department. they say that will open an investigation on this matter, because the suspect that this might be an Identity Theft. and fraud.
Product: Vehicle loan or lease

I went in on a joint with loan with my daughter it was approved and the vehicle that was sold to her was a lemon the motor went out. The dealer  XXXX   XXXX   XXXX , SC took the vehicle back and a couple of weeks and found her another vehicle. They again needed me to supply my financial information again for the ban k American Credit Acceptance   XXXX , SC for the second car. I told them no I was n't going to be on that loan since the first car was a lemon. The dealer submitted my information with the second vehicle without my permission and this auoto loan now shows on my credit report as a charge off. I did not give the dealer permission to use me as a joint buyer on this second vehicle.
Product: Credit reporting or other personal consumer reports

Experian notified me that my information was exposed and I checked and found accounts that was not mine and disputed the accounts and the account are still on my report
Product: Credit reporting or other personal consumer reports

I'm refuting your decision to deny my identity theft claim. What makes you qualified to determine if I've been a victim or not? You lack any authority or legal standing to assert such a judgment. If you persist in rejecting my claim, I will engage my attorney to pursue a legal solution. Please ensure that my identity theft report is handled in strict accordance with the law. I am submitting an official law enforcement agency report filed with a federal organization. Let 's work towards resolving this matter within the mandated five-day timeframe. Following the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report is filed with a law enforcement agency ( which includes the FTC itself ), the standard procedure is to follow the law and conduct a thorough investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ' not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  ' not mine XXXX XXXX ' not mine
Product: Checking or savings account

On XX/XX/2022 check was deposited from client for fence installation for {$2200.00} check was frozen by wells fargo states as fraudulent check however other parties bank confirmed validity of check and the hold was not on their end but from wells fargo. Wells fargo gave multiple different reasons that did not make sense and time and money was lost due to freezing accounts and funds.
Product: Debt collection

Hello, These fraudulent accounts are reporting on credit report. Its been 1-2 months that that I sent in letters. The only results Ive gotten was it was verified. I want to know who verified it? By law in 30 days no results the accounts are suppose to be remove.
Product: Credit card or prepaid card

Company refuses to answer any internal messages about my complaint. 

On XX/XX/2022 they reported that I had a balance of {$4800.00}. 
They published to my lender that I failed to make payments in XXXX. 
On XXXX XXXX Comenity failed to accurately reflect payment information and caused me to make a double payment, which overdrafted my account 3 times and caused late payments bills. 
I lost my RV loan and truck loan once again.
Product: Debt collection

This is in follow up to complaint  XXXX . Since filing that complaint,  XXXX   XXXX  has called my place of employment and left a voicemail advising me to contact him regarding " a complaint against me ''. This call was placed AFTER I called and told him not to contact me further and tried to give him my bankruptcy attorney 's information which he refused.  XXXX  reports that he works fo r Ashfield Management Services at   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY. This call was in blatant violation of the FDCPA and I am now owed {$1000.00} for this incident.
Product: Debt collection

Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX Via USPS Certified Return Receipt mail XX/XX/2019 To Whom It May Concern : On XX/XX/2019 we received communication from you regarding an alleged order from XXXX XXXX XXXX for medical supplies sent to our address. We did not order or authorize this shipment. You stated that we owe {$3000.00} for medical supplies because the supplies were never returned. Unfortunately, we can not find these items. We believe they might have been thrown away. 

Per 39 U.S. Code 3009, section B - this unordered and unauthorized merchandise may be treated as a gift by the recipient, who shall have the right to retain, use, discard, or dispose of it in any manner he sees fit without any obligation whatsoever to the sender. 
With this, we dispute the above-referenced debt to your client. 

Please verify this debt as valid as required by the Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ). Please validate my original order for these items, including payment ( s ) made for these items, as well as my authorization to deliver these items to my address. Please also send the company name and address of your client who is alleging this debt. 

Because I am disputing this debt, you are not to report this to any credit reporting agencies. If you have already reported it, please notify me of this fact and notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. 

Please return your validation date to me in writing addressed to me at XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, XXXX, WA XXXX. 
Thank you for your cooperation in this matter. 

CC : Federal Trade Commission via web entry CC : WA State Attorney General online CC : WA State Consumer Protection Bureau XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$20000.00} {$19000.00} WF CRD SVC Account numberXXXX Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX {$1300.00} {$1000.00} WF PLL Account numberXXXX Date openedXX/XX/XXXX Account typeLine Of Credit Balance on XX/XX/XXXX {$4000.00} {$3500.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all 3 credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XX/XX/XXXXand fatiXX/XX/XXXXue. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

Mariner finance says I owe {$3000.00} I never heard of this business in my like have no knowledge of this account called then multi time trying to get answers, they have not provided me any information transactions about this account
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 XXXX XXXX XXXX. 
XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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. 

This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. 
Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC XXXXb ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to properly investigate and correct inaccuracies on my credit report, as required under the Fair Credit Reporting Act ( FCRA ). Despite submitting a dispute regarding the accuracy and completeness of information on my credit report, Experian conducted what appears to be a sham investigation, resulting in the inclusion of inaccurate and incomplete information. 

Additionally, Experians actions align with systemic failures outlined in the XXXX XX/XX/year>, lawsuit against Experian, which alleges violations of the FCRAs dispute investigation requirements. 

The disputed information on my credit report includes [ Describe the inaccurate information, e.g., a charged-off account, incorrect balance, or outdated status ]. 
On XX/XX/XXXX, I submitted a dispute to Experian, providing detailed evidence and supporting documentation to show that the information was inaccurate. 
On the XXXX, Experian responded by verifying the disputed information without adequately addressing my concerns or providing a detailed explanation of how the verification was conducted. 

I believe that Experian : 1. Did not forward all relevant information I provided to the furnisher during the dispute process. 
2. Uncritically accepted the furnishers response without conducting an independent and reasonable investigation. 
3. Failed to notify me of the investigations results in a clear and complete manner. 

Supporting Information : The CFPBs lawsuit against Experian outlines systemic failures in its dispute process, including : Sham investigations : Experian routinely fails to properly address consumer disputes and does not convey relevant dispute information to furnishers. 
Reinsertion of inaccurate information : Experian lacks basic matching tools to prevent previously removed inaccurate information from reappearing under a new furnishers name. 

These practices mirror my experience and suggest that Experian did not comply with FCRA requirements when handling my dispute.
Product: Credit reporting or other personal consumer reports

The inquiry was made without my consent and falls under unauthorized inquiries. I request its removal to ensure my credit report reflects only accurate and authorized activity. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I really need your help on this. I mailed letters to Equifax, XXXX  and XXXX  on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the mental stress this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!
Product: Mortgage

My mortgage company sold my mortgage to Mr. Copper and I've been having problems every month. I mail in or pay my mortgage on line. I'm receiving letters saying they did not received my payment but when i check my account its paid. I have two mortgages both sold to Mr.Copper. When I sent a payments in XXXX they added to the wrong account and charge late fees to my account.I received a letter stating they made the adjustment but it has not been cleared either. I made a payment in XXXX, they claim they did not receive the payment. I check with the Postal Service and the check was cash XX/XX/XXXX after I had sent a replacement check. I stop payment on the replacement check and they added a fee to my account for a dishonored check. I've made all my payments and I'm receiving letters stating my loan is pass due, and they will report to credit reporting agencies, and I could face foreclosure. I never enter into a mortgage with this company my mortgage was sold to them and its been a mess from day one.
Product: Money transfer, virtual currency, or money service

Chime has a pay anyone feature that clearly wasn't thought Through properly being one day I left my card home and Needed money, I had two phone numbers at the the so I decided to use the pay anyone feature. I sent {$80.00} to my phone number. To find out a lady named XXXX XXXX mustve previously had it being it went to her chime account. I quickly contacted them and they told me that call her kept explaining that i couldn't bc it was my phone number so eventually, they finally said ok send proof .. so i did several times. Then they told me again to contact her bc she received it... I believe the lady is deceased bc I did try XXXX her. Yet their pay anyone feature is isn't right
Product: Vehicle loan or lease

I purchased a car from a dealership and financed it through Capital One Auto Finance Account number XXXX. The Dealership never sent the title to Capital One and then the Dealer Ship went out of business. I continued to make payments to Capital one ( ON TIME ) for 6 months. I finally discussed turning the car back to capital one since I was unable to get plates or a title on it with the dealership being gone. 

Capital One is showing this as a repossession on my credit file with a balance owing that is just less than the original amount of the loan. 

1 ) I can not be held liable for a vehicle that I was unable to drive from day one until 6 months later when I turned it in. If anything, Capital One owes me just over {$3000.00} for a vehicle that I paid for and ONCE AGAIN ... could never drive for even one day. 

2 ) I certainly should not have a repossession and owe a balance of {$23000.00} for NO VALUE RECEIVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in forbearance since XX/XX/2020 with XXXX. On XX/XX/XXXX I called to remove my foreberance and pay my current balance owed of {$8400.00}. On XX/XX/XXXX I received a 35 point drop in my credit score due to an error at XXXX not applying my payment despite drafting my account of the funds. I filed a dispute with XXXX  who did nothing despite XXXX  admitting to me that it was an error on their end and that I should immeditately file a disupte with XXXX. I have an official letter from XXXX  documenting all of the facts of this dispute. I should not have any late payments or reduction in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance:XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from TransUnion saying that they will not reinvestigate my complaint, i am still requesting proof that the account on my credit file that they are claiming belong to me.
Product: Debt collection

Improper use of report. 

My rights under the No Surprise Act of 2022 are being violated. This debt was outsourced to a 3rd party, which I in NO WAY endorsed, and this violates my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I would like to have these unauthorized inquiries to be deleted of of my credit report because i did not authorized these companies to run my credit
Product: Credit card or prepaid card

Best Buy 's Citi bank credit card is spreading payments out on promotional balances, in an attempt to push people past promotional due dates and collect interest. They must have quietly changed there polices recently as I have fallen victim to this getting hit with a past due interest change after establishing an appropriate payment schedule. I would have paid all my promo balances off on time if applied to the balance with the soonest due date.