23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

Around XX/XX/XXXX I made a purchase for tickets to see XXXX XXXX at the XXXX XXXX XXXX in XXXX, DE. After contacting the Box Office and i was told the tickets were sold out, I put in for tickets online at a site XXXX  for the only show on XX/XX/year> at XXXX. Myself and my husband showed the internet tickets at the gate. The ticket agent was able to scan after several attempts. To her surprise, she stated " these don't always work. " After the concert, I called the PNC credit card dispute department to dispute the payment of {$460.00} for the show as fraud. The ticket price was just {$33.00} a seat ( general seating ) where we sat to see the show. It was not worth the amount we were charged. The third party XXXX refused to refund me. So, I called and emailed PNC credit card on XX/XX/year>. They refused me and asked for more evidence. I notified the venue and they gladly responded with an email noting the nominal cost of {$33.00} per seat. Around XX/XX/XXXX, I submitted this to PNC dispute dept and heard nothing to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies of the closed accounts listed on credit report. After reviewing my credit report the information regarding this closed account is inaccurate and should be removed. The company failed to send a 1099c form from the IRS, the cancellation of debt form was not received. Under FCRA 15 U.S.C. 1681e ( b ) this company violated, and the agencies are required " to follow reasonable procedures to assure maximum possible accuracy.
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 {$1300.00}, {$1700.00}. 
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 ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX
Product: Prepaid card

I received an Amex Gift card from my employer, and have tried to use it multiple times, it never works anywhere online. Since its a virtual card I am only able to use it online. 

I have called Amex multiple times to find a solution and they only say to keep trying, that's it. NO answer NO resolution. So basically, they have my money, and I can't do anything about it.
Product: Credit reporting or other personal consumer reports

I recently started checking my credit because i just turned XXXX and when i looked at why my credit was low it says i owe experian {$310.00} but they didnt even tell me my credit score nor did i use it
Product: Credit card or prepaid card

I filed my first complaint on this company XXXX/XXXX/XXXX. My complaint number is XXXX for items that were purchased on XXXX in the amounts of {$280.00} & {$320.00}, They waive these items but did not reimburse me for the whole dollar amount. Which should have been {$600.00}. They only reimburse {$480.00} and then they applied an unauthorized charge of {$450.00} to my account. I 'm providing my XXXX statement as my proof.On my XXXX statement, an item that I purchased on XXXX for the amount of {$1100.00} had a current balance of {$960.00}. I noticed in XXXX that same item had gone from {$960.00} to {$1100.00}. This item was purchased on a promotion and should not have incurred interest or even went up in price that only thing I did was make a payment for {$32.00}. I have included a copy of my XXXX purchase invoice. I reached out to XXXX XXXX XXXX XXXX around XXXX and around XXXX she stopped returning my calls.My current balance on my statement says {$1600.00}. But, I noticed when I add all my items up it 's only {$1500.00} that is a difference of $ XXXX.Since XXXX I have been getting the run a round on non-promotional balances and so call interest incurring on them. My statement does n't show and I was told I do n't have any non-promotional balances. But when customer service ca n't explain the interest that 's on my account they try and say it 's a non-promotional balance but ca n't tell me what the item or balance is
Product: Debt collection

XXXX XXXX, XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

I have attempted to have this account corrected to no avail numerous times as it is outside of the XXXX and its reporting inaccurate information and now we have this issue??? you're in violation of USC 1681 B and you need to delete this account immediately as the dates and the amounts are incorrect, and unverifiable. Please send the account archive file. Do not try and respond in any manner outside of this CFPB portal. Any contact outside of this portal will be considered harassment. Also, during thie investigation, the account needs to cease reporting on my consumer disclosure until the INDEPEDENT investigation is done.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my personal fi le. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask humbly that the items be deleted to correct my credit report. I can't get an apartment or a car because of the account which is mildly frustrating. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affi davit. Please delete the items as soon as possible please and thank you.
Product: Credit reporting or other personal consumer reports

response to complaint was received but there were still violations of consumer law
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My Experian credit report has the wrong address. Someone accessed my report and changed it something in the past few days. I checked it because XXXX XXXXXXXX XXXX informed me that my identity had been stolen and 2 credit cards were trying to be opened in my name.
Product: Checking or savings account

Transaction history shows on XXXX, Wells Fargo Card Reserve XXXX XXXX XXXX charged ( withdrew ) {$150.00} from my small business checking account. 

I complained to a Wells Fargo banker on XXXX XXXXXXXX XXXX about this when I saw it on my statement. 
Wells Fargo wrote me a letter that they can not do anything about my complaint because too much time has passed. I was out of the country when the charge happened and I noticed the charge only later upon my return. 
Nevertheless, since this is a Wells Fargo Card Reserve transaction that is involved with a Wells Fargo identification number, Wells Fargo should rectify this error to prevent this from happening in the future for the good of the bank and of all the customers. Delayed detection/reporting should never be used as an excuse, especially if this is an internal transaction. Wells Fargo has got to go to the bottom of this error.
Product: Credit reporting or other personal consumer reports

XXXX I found disrepancies on my report with XXXX XXXX, Equifax, XXXX Acct # XXXX the date of last payment says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Automobile Acceptance Corporation ran my credit without my permission. I originally got a voicemail saying they needed to speak with me about my loan application. Then I got a email saying they would like to speak with me about application. I then called and told them I never applied for a loan application. I then check my credit and see they have ran my information without my permission.
Product: Debt collection

My old car was reposed and sold at an auction. Well I recently received a letter in the mail stating that I need to reach out to XXXX XXXX Police Department because they have my old car. Apparently when it was sold at the auction the person never did register it in their name. Well XXXX XXXX Police Department want me to pay a fine for the car being their. I no longer have anything to with the car. I contacted my local tag office and they told me that the car is still registered to me in the system and shouldn't be. So I've tried reaching out to the finance company but they don't have a phone number or website. The company is not even registered to the XXXX. Like it's insane that these companies can just throw a balance on your credit and try to get away with it. Please help me because I'm not sure what to do.
Product: Debt collection

I have for almost 7 years received calls on the daily about 3 to 4 times. They have called my mother in regards to my debt and I am XXXX years old. They change the phone number and disguise it every time. They have reopened my case to make it look like I have made contact so they cant drop my medical debt after 7 years and says its recent as of XX/XX/XXXX which it isnt. These are from XX/XX/XXXX-XX/XX/XXXXwhen I was a minor. They just recently maid something to my house about this debt as if the phone calls werent enough.
Product: Debt collection

One day someone called me saying My car was in a accident but that was a lie because they said it happened in XXXX. I do not live in XXXX. I live in XXXX. they have not provided me any proof that the debt belongs to m, they did not do any investigating to help me get this debt removed. this is a false claim to get debt from me that i don't owe, this company has not once verified IF I AM THE PERSON TO CHARGE THE DEBT TO
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX new york XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Account Information XXXX XXXXXXXX XXXX ( Account # XXXX ) Dear Experian, I am writing regarding the XXXX XXXX XXXX  account listed on my credit report with account number XXXX. I am not disputing this account ; however, I am requesting specific details regarding the account for my records. 
Please provide me with the following information : 1. The date of delinquency for this account.

2. The date of the last payment made on the account.

3. The date the account was charged off.

I appreciate your prompt attention to this request. If additional information is required to process my request, please contact me at the address listed above. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Transworld Systems keeps trying to collect debts for the City of XXXX XXXX on a car that I do not own, I have never been to XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Portfolio Recovery XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 


Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

Our home is being foreclosed on fraudulently. Once a month we would get a note says XXXX is claiming that the home is empty, so we would call and tell them that we lived there ( phone records to prove it ) The letters stopped A few months ago. Since then XXXX XXXX that look like XXXX showed up at our home while we were at work. Claiming to be from the bank. They told our neighbor that they had to clear the property and make it look like no one lived there. They stole items from around our home, yard, back deck, and threw our dog igloo house and lawn mower over the deck down to the creek. We have neighbors that witnessed this. They have enter our home illegally and changed the locks not once but twice on our back door even after leaving notes that we live here. We have their lock boxes to prove it. Our XXXX chickens disappeared and stuff inside there coup was stolen as well. We submitted a request for re-modification through a HUD approved housing counseling agency. Fax transmittal to prove it. A few days later they filed paperwork with the county clerk to sell home. Our home is still up for sale on XXXX XXXX, XXXX. Back in XXXX XXXX XXXX XXXX approved our request for re-modification then took it back and said there was an error. Denial was based on them assessing our home way above actual value so we would n't qualify for re-modification that we in fact should have qualified for. We appealed it and included an appraisal as well as 6 local comps to prove what is was truly worth. Then they switched servicers on us. I believe that Bank of NY Mellon does n't want to re-mod our loan even though these programs were created specifically to help people like us.
Product: Student loan

They are abusing the people. Im not done with school and im afraid to go back. When i stopped going it was for the XXXX 3 yrs ago. I left oweing almost XXXX and i currently oweing almost XXXX.
Product: Credit card

I am a victim of XXXX XXXX  and the credit bureaus have not been assisting me with removing the times from my credit report. None of these items belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a report with Experian 3 times. Along with email from the creditor of the correct balance. As of XX/XX/2023 they will not update the correct information.