23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I was scheduled to close on a home and when the title company pulled a New Mexico public record I was informed of a judgement against me in the XXXX judicial court of NM from Wells Fargo for a credit card opened in XX/XX/XXXX. I Immediately called Wells Fargo to let them know this was not my debt and asked how can I get this resolved since I was supposed to be closing on a home and had already given notice on our current residence. Under direct pressure I asked if they would accept {$1600.00} so I could close on my home and I was given a settlement of {$2900.00} to have the judgement removed. This was far beyond my financial resources especially for a Fraudulant account. I immediately filed a police report. Since then I have spoken to numerous people and the attorney for wellsfargo and have had no help with this matter. We have now lost the house and have been put in a unbelievably dire situation
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
nquiry from XXXXXXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Product: Debt collection

Today, XX/XX/2023 First Credit Services reported a debt collection on my credit. First, I have not been notified by this collector I owe this debt in anyway, no emails, letters or phone calls. 

I do not owe this debt. Today, XX/XX/2023, I called their customer service number, ( XXXX ) XXXX, and asked them to provide me proof that I owed this debt, and they were unable to provide any evidence, however refused to delete this from my credit. I am filing a complaint, because they are refusing to remove the derogatory remark from my credit, however this is not my debt, and they have no evidence that this is something I owe. 

Prior to seeing the mark on my credit today, I have not been reached out to, by any collector in anyway. I have never received a letter, call or email to try and collect this debt. This debt is not mine and needs to be removed.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 the payment tried to go through and did not, I contacted the company XX/XX/2020and now Im being told i have 48 hours to pay XXXX in late fees or if not I'm stuck payment over XXXX more for the next 9 months, or i return the items purchased. i feel like they can do away with those charges since I just paid off the amount that did not go through. I tried speaking to 3 different people and everyone said no. Company is acima credit
Product: Debt collection

After giving birth to my child, I accrued medical bills due unbeknownst to me due to the 30 day birthday rule after my insurance paid for my child 's post 30 day stay & did not pay for the initial 30 due to my husband 's birthday being first. 
After several months of working with the XXXX  group to change several things, i.e. charge my husband 's insurance, untimely filing according to his insurance, as well as appeals & having them change their tax ID to be within network my bill was officially paid by XX/XX/2023 with verification XX/XX/2023 when I called & spoke to the XXXX representative via phone call. 
I had gotten a few calls from XXXX XXXX XXXX XXXX & had asked them to put my account on hold, as well as having the XXXX  group ask them to place my account on hold, which they had agreed to. 
Again, as of XX/XX/2023 my bill was paid in full & I owed a balance of {$0.00}. 
However, I have had an account opened in my name on/around XX/XX/2023, consequently dropping my credit score from near excellent, to below XXXX, which it has never been in my life time. 
When contacting XXXX XXXX XXXX XXXX XX/XX/2023 they had said they would update their end, however, was asking how I would like to pay the accrued interest of {$2000.00} as well as receiving a letter in the mail speaking of legal action on XX/XX/2023.
Product: Debt collection

I did a validation of debt with collection company EOS CCA that's reporting on my XXXX credit report. It shows I owe {$2100.00}, but i know nothing about this account and it does not belong to me. This EOS CCA company I've sent numerous validation of debt notices to this company and I still have not got a response. I ask for my original signature with the original creditor and original contract to show I owe this debt but I never received anything. I Know the fcra says the credit bureaus and collections compnaies have 30 days to respond and if they don't it has to be deleted from my experian credit report.
Product: Debt collection

The debt of {$1000.00} was paid between with 2016 tax return. I received a letter in the mail that it would be taken out of my return. When I received the return it had the money taken out. This debt has been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following transactions. I attached my ftc report. Please remove inquiries immediately. 

XXXX XXXX XXXX XXXX
Product: Debt collection

They claim to be a law firm that collects taxes for Illinois. They used a bunch of lies and scare tactics to try to persuade me. A legitimate law firm shouldn't lie to try to get unowed taxes
Product: Money transfer, virtual currency, or money service

While waiting for pending ( echeck ) transactions to clear, on the dates, XX/XX/2023 for {$200.00}, XX/XX/2023 for {$95.00} and XX/XX/2023 ( two transactions ) for {$100.00} and {$50.00}, PayPal permanently limited/closed my account. I contacted PayPal support via messenger and phone. Spoke to multiple representatives and a manager. I was not able to get an explanation as to what activity in my account caused them to close my account and hold my money. They informed me that they can not disclose the reason. Attached is the messages Via PayPal App. I have read through the Legal Agreements and I do not believe I used the services wrongfully. I've only received money from my sister and my cousin. I used my PayPal debit card for " normal '' shopping at supermarkets, paying bills, public transportation. As well as transferred money to my own personal accounts ( paying all fees that apply ). The Legal Agreement states that funds are held incase there are any charge backs or unpaid balances. If they are monitoring the account they can see that I do not have any transactions that would cause a charge back and being that I have {$450.00} being held, I do not have an overdrawn or unpaid balance. As well as me not being a Seller that utilizes a business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX
Product: Mortgage

I began the process of filing for a HELOC with PNC bank in XXXX of 2021 after being referred to a lending agent there. The majority of the process flowed relatively smoothly until the appraisal which was a drive by rather than an actual walk-thru. The appraiser valued my home at roughly {$80000.00} less than its current value. This would have been insignificant, but its being used as a tactic to force me into a higher interest rate loan. I had the former listing agent for the home provide current comps as well as a professional opinion of the current value of the home based on his expertise in the housing market. PNC refused these comps and a walk-thru appraisal even though their appraiser used comps that were nearly two years old and did not enter my home. I have had to submit additional comps today showing that my home is valued anywhere from $ XXXX {$90000.00} more than they have appraised it at and been further delayed while they make a decision on whether or not they will complete a valid appraisal. 

This is frustrating not only in that they are trying to force me to pay a significantly higher rate due to their failure to act in good faith but also in that they have delayed my kitchen remodel and put me at risk of having the price of it increase due to timing delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/RESIDENT DATA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

on XXXX/XXXX/25, at XXXX XXXX eastern time, i received a call from mnet financial, they call often and every time i answer it disconnects. this time, someone sounding very surprised that it picked up, was on the other end and started the conversation. when i told her ive been trying for months to talk to someone, she got snippy and said i had to talk to the XXXX XXXX. which i did. i told the agent that the XXXX place uses a call center in XXXX and after multiple calls, i still was getting nothing done. i have auto insurance, primary health insurance through my wifes job, and secon dary insurance. as i was trying to ask the agent questions, she abruptly said " have a good day sir '' and hung up.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Il XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries in Dispute : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

PMAB collection continues to harass me with unsolicited phone calls from spoofed numbers and mail me about a debt I do not owe. The bill is question was workers compensation claim and all bills for that claim has been satisfied by workers comp and insurer. PMAB was sent a ceist and desist XX/XX/2017 to stop. which is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get this matter resolved in a cordial manner and have done what was asked of my by submitting dispute letters and a power of attorney and still there has been an unsatisfactory solution to my dispute. Recently a balance was changed on a XXXX account that I do not currently have and have never had. This fraudulently action is unacceptable and should be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the XXXX Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent certified letters 2 all 3 of the bureaus, stating that I was a victim of identity theft. I put each account down that did nor not belong to me me. XXXX XXXX XXXX in which it doesnt not belong to me. XXXX XXXX in which was opened fraudulently in my name. also, there is some personal information 2 addresses in which are associated with me, and which Ive never lived there.XXXX XXXX  XXXX XXXX XXXX NJ XXXX and XXXX XXXX  XXXX XXXX XXXX NJ XXXX. According to the law 605B. Its illegal to report information on my credit report without my permission. Please remove these items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report i noticed a account namely CITIZENS ONE, THATS NOT MINE
Product: Debt collection

Altitude Law, XXXX XXXX constant harassment regarding alleged debt not owned. XXXX XXXX represents XXXX XXXX XXXX which has failed to provide proof of payment Misc Expenses on behalf of XXXX XXXX. XXXX XXXX XXXX is billing for XXXX XXXX reserve with no account for the reserve account.
Product: Money transfer, virtual currency, or money service

Money sent to wrong people without verification of recipient.
Product: Credit card

Today, on XX/XX/year>, I was on the CapitalOne website talking to the virtual assistant. I then got a redirection link to talk to a live agent which took me to a XXXX XXXX. I gave sensitive information like the last XXXX of my SSN and credit card numbers, my date of birth, and my address. After receiving a message I needed clarification on, I learned that this was not an official Capital One website but I had already given my information. 

I called Capital One 's fraud line immediately but he was not of much help because he couldn't understand the problem I was explaining to him. I locked my cards and tried to request new ones, but then I was told to call them. After receiving no help when I had just called, I was hesitant to call again so I froze my XXXX credit report and now I am filling out this form.
Product: Credit card or prepaid card

I opened an account for XXXX XXXX  XXXX for my XXXX XXXX which is held with Comenity Capital bank. It is a deferred interest account. I consistently made the payments on time and in some months twice in the same month. Their computer system erred in not applying some of these payments and as a result charged me an extra {$38.00} late fee. I have documentation that these payments were on time and consistent. Comenity Bank refuses to remove late fee even with several letters and phone calls. Payments from inception:XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XXXX $ XXXX,XX/XX/XXXX, {$170.00}, XX/XX/XXXX- {$170.00}, XX/XX/XXXX- {$140.00}, XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$180.00}, XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- $ XXXX,XX/XX/XXXX- {$100.00}, XX/XX/XXXX- {$100.00}. Each payment cleared my bank. They refuse to correct the late fee. The late fee was posted in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Capital one is placing a close account on my report as late. This was open on 2016 and closed as paid. It is still showing on my report as a late payment. Each time I remove it. They will place it back on my report as present. 
This account is over 7 years old.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, XXXX and Experian credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : PL XXXX