23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from Experian, XXXX, and XXXX and I noticed some late payments posted on my report. 

XXXX. XXXX XXXX XXXX Account number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number # XXXX Your company ( s ) ( creditors and credit bureaus ) is in clear violation of the law. Under 15 USC 1681b-permisable purpose of consumer reports, The LAW CLEARLY STATES ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give my written instructions to furnish these accounts on my credit report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). Exclusion from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) consumer report does not include ( A ) Subject to 1681s-3 of this title any- Report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report, the creditors and the credit bureaus are in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referred accounts and send out a free copy of my credit report after the changes have been made will result in Legal action being taken against your company, for which I will also be seeking {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violation for willful noncompliance-616 Civil Liability for willful non compliance ( 15 USC 1681n ) By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681, you must complete this reinvestigation within 14 days of this receipt. I have included documents and my personal identification to prove my Identity and support my claim. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I just got a call about a house address I have not lived at in 13 years. They asked if I was XXXX XXXX, I said yes, they asked about a past address from XXXX. I asked what this was about and what company they were calling from they refused to tell me until I verified this address. I was very uncomfortable because I did not know who was calling, why they were calling, what they were calling about and I do not give out personal information for no apparent reason over the phone. I told them to remove my name from their list back in XXXX, and XXXX and again today. I have no idea what this is about, I dont want to give an unknown caller my information. I looked the number up online and it came back as credit bureau data XXXX ( XXXX ) XXXX XXXX  XXXX, WI. Asking people to provide information with out identifying your company is not right. Whatever debt I had has to be around 15 years old and should be well over 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX OF XXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

I want to file this complaint with EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction
Product: Debt collection

I submitted a dispute with XXXX on XX/XX/2020 about a collection placed on my credit that does not belong to me. On XX/XX/2020 XXXX came back stating the debt was accurate without even completing a thorough investigation. XXXX has repeatedly violated consumer rights by not completing proper dispute investigations which ultimately impacts the consumer in a negative way. There has been no prior notification of this debt and I am positive I have never been treated at this emergency room. This complaint will act as a formal NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. I have just settled a debt that XXXX  continued to report inaccurately on my credit and I dont mind filing a lawsuit again for violating my rights as a consumer.
Product: Debt collection

I keep receiving calls from Midland Credit Management about a debt they say I owe. I spoke to them numerous times and explained that the person they are looking for is my uncle who has the same name. They get nasty and then ask me for my social security number and other personal information. When I explain its not me they say they will remove my number but the calls start again in a few weeks. I don't know how to get them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting misinformation about me without my consent and reporting false credit scores to financial institutions on my behalf.
Product: Checking or savings account

On XX/XX/year> and XX/XX/year>, my husband and I were involved in a bitcoin scam. When my husband, XXXX XXXX, was unable to open his XXXX account he called what he thought was XXXX XXXX XXXX XXXX. He was told his phone had been hacked by a XXXX XXXX  The person on the phone had banking information for several Chase Bank accounts and told him he would be contacted by Chase Fraud. A few minutes later, he received a call from XXXX. A person identified herself as XXXX from Chase Fraud ; her private line XXXX. She told him that large bitcoin purchases had been authorized against our Chase Accounts. Fixing the situation would require buying bitcoin and redepositing it back to our Chase accounts. She made him believe she was working with the FTC to address the situation. 
On XX/XX/year>, {$33000.00} cash was withdrawn from the Chase branch located at XXXX XXXX XXXX XXXX XXXX, North Carolina ( XXXX XXXX XXXX XXXX XXXXXXXX ). No questions were asked why such a large withdrawal was being made. Approximately an hour later another large cash withdrawal of {$25000.00} was withdrawn from the Chase Bank located at XXXX XXXX XXXX, XXXX, NC ( XXXX XXXX XXXX ). Again, no questions asked. Then, on XX/XX/year>, another cash withdrawal of {$20000.00} was made at the Chase XXXX XXXX branch on XXXX XXXX XXXX, XXXX, NC. This time the teller, XXXX, acknowledged his visit the previous day but did not bring the matter to anyones attention or ask questions. Total amount withdrawn within 24-hours {$79000.00}. 
We understand we are another statistic and victim of a scam. This complaint is against Chase Bank for their negligence to protect our money and the lack of due diligence to inquire why such large withdrawals were being made. A simple question could have alerted us and diminished all or part of our financial loss. 
On XX/XX/year>, we returned to the XXXX XXXXXXXX XXXX after we realized what had transpired. The Branch ManageXXXX, XXXX XXXX, was very cold, condescending, and lacked any empathy. When asked why no one questioned the withdrawals, she responded we do ask questions if we are suspicious and we are not responsible for a clients money once it leaves the bank. She then brushed us off to other staff, who were very caring and respectful to our situation. 
Detailed reports of this situation have also been filed with our other financial institutions, the FTC, XXXX, XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Debt collection

UPON LOOKING AT MY EQUIFAX CREDIT REPORT, IT SHOWS SOME INACCURACIES. IT REPORTS A COLLECTION ACCOUNT FROM PORTFOLIO RECOVERY. THE ACCOUNT HAS A COLLECTION CODE YET IT STILL REPORTS AS AN OPEN ACCOUNT. AND ALSO, IT HAS A PAST DUE AMOUNT OF WHICH A COLLECTION IS NOT SUPPOSED TO HAVE A PAST DUE AMOUNT. ALSO, THE DATE THE ACCOUNT REPORTS OPEN ON EQUIFAX XXXX XX/XX/XXXX IT CONTRADICTS WITH THE DATE OF DELIQUENCY WHICH REPORTS AS XX/XX/XXXX. 
THIS IS NOT UNDER FCRA XXXX. 
THESE ARE INACCURACIES REPORTINGS AND NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit card or prepaid card

Saks Fifth transferred my credit card account to Capital One in the summer of XX/XX/XXXX. I rarely use this card and it is one of a few cards on my account. 
I started getting calls from Capital One demanding payments the week of XX/XX/XXXX, which did not make sense for me - I was getting XXXX balance in my online account, there were never any paper statements, so I thought the calls were a scam. Finally I called the number on the card on XX/XX/XXXX and it turned out that the account I was accessing was the old account that was closed, the access to the new account was blocked, yet the paper statements were never sent to me and there was a balance on the account. I requested to get paper statements, and they were sent to me on XX/XX/XXXX ( see attached ). Once I verified that the purchases were mine I called back Capital One, they agreed to remove late fees and interest and I made a payment on the same day, so the transaction is reflected on my account as of XX/XX/XXXX. 
Yet soon after I started getting messages from my bank account that my FICO dropped significantly. I had a FICO of XXXX and now it was showing XXXX ( based on XXXX  - see attached ). The investigation into my credit report confirmed that the drop was due to delinquency reporting on Capital One credit card account. I called Capital One, but all representatives were saying that's not in their scope of responsibilities, while being transferred 6 times. I later wrote a letter, but they responded they'll not remove delinquency out of courtesy. I wrote back explaining that the payment was sent out as soon as I received the info about the balance, the original statements were never sent to me, so I never received the bills, but they never responded. 
I believe the reporting of delinquency is not justified as they reported it while they blocked me from accessing balance information - no paper statement and no online access.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I requested verification for alleged debt for XXXX XXXX  they werent able to verify debt within 30days and sent me nothing that indicates the debt is mine. By law they are required to send me verification within 30 days. They took this debt off my XXXX report. This debt is still on my transunion and well as Experian credit report. I disputed debt for both credit credit reporting agencies and it has not been removed. Experian says its been verified. This is a mistake and by law they have to take this off my credit report. Also there is a bankruptcy reporting on my credit report for Experian that shouldnt be there US court stated they do not verify any information to the credit reporting agencies. This also needs to get deleted off my credit report
Product: Money transfer, virtual currency, or money service

Banks and other providers are able to tell you your transfer is free, has a low upfront fee or is 0 % commission. In reality, they hide the real cost in inflated exchange rates. Thats when your provider adds a markup to the mid-market rate youd see on XXXX, giving you a worse deal. Those hidden fees are costing us all a fortune. In 2024, were expected to lose over XXXX XXXX in inflated exchange rates. Please make these providers stop this dishonest practice, and hold banks and other providers accountable.
Product: Vehicle loan or lease

I BOUGHT A VEHICLE 2YRS AGO THE INTEREST RATE IS 12 % BUT YET EVERY TIME I SEND A PAYMENT THEY KEEP MORE THAN 60 % OF IT. ONLY XXXX OF MY {$1100.00} PAYMENT IS GOING TO THE PRINCIPAL. I WAS TOLD THAT BANKS DO THAT FOR THE FIRST YEAR WHICH IS A LIE. I'VE HAD PLENTY OF VEHICLES BEFORE AND BEEN ABLE TO FINISH PAYING THEM OFF EARLY. THE BANK I'M WITH NOW WILL KEEP THE WHOLE PAYMENT IF I SEND EXTRA. THE FIRST ACCOUNT I'VE HAD WITH THEM WAS SUPPOSED TO GET A REFUND OF ONE OF THOSE PAYMENTS SINCE THEY CLEARLY STATED THEY CAN'T APPLY IT TO THE PRINCIPAL. THEY CLAIM TO RECORD PHONE CALLS SO IT SHOULD BE ON RECORD THAT I WAS PROMISED MONEY BACK AND IT NEVER HAPPENED. I MADE THE SAME COMPLAINT WITH THE ACCOUNT I HAVE NOW AND THEY STATED THE SAME AND YET AGAIN NEVER RECEIVED ANYTHING. I'VE MADE OVER {$22000.00} IN PAYMENTS BUT YET ONLY {$10.00}, OF THAT HAS BEEN PUT TOWARDS THE PRINCIPAL AND I DON'T SEE HOW THAT IS FAIR SO I NEED HELP. WAS EVEN TOLD THAT IT DEPENDS ON WHEN I SEND MY PAYMENT BUT I'VE SENT ON DIFFERENT DAYS BEFORE MY DUE DATE AND IT'S THE SAME OUTCOME. MY REQUESTS HAVE GONE UNANSWERED SO WAS TOLD ABOUT YOU GUYS FROM AN ATTORNEY. THE BANK NAME IS ALLY.
Product: Credit reporting

XXXX/XXXX - {$790.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, 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, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XX/XX/2016 please remove accounts from my credit report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I sent out certified and notarized written correspondence to Equifax demanding that they remove all accounts that were illegally reporting and all accounts that were not consistent with the same accounts listed with other credit reporting agencies. Equifax has failed to remove these items and continues to report this wrong and illegal information. It is the discretion of the consumer to what should be reported on the consumer report and Equifax fails to comply with my requests. I have sent in print outs of all 3 consumer reports highlighting the accounts that were inconsistent and none have yet to be cleared. I have attached a copy of my XXXX consumer report showing that XXXX has complied and deleted the requested accounts. Equifax must follow suit or face litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.
I have contacted XXXX where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.
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Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. XXXX is reporting to TransUnion This issue with XXXX has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.
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As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the following companies : transunion, and XXXX letters regarding inaccurate items on my credit report. I sent this letter on XX/XX/21 and I haven't received a response yet from either company in 60 days! I know that if the investigation isn't responded to in 30 days it should be deleted off my report but with Covid-19 into play the timeline is extended to 60 days but it has been 61 days and i still haven't received a response! I demand these be removed from my consumer report.
Product: Payday loan, title loan, or personal loan

Wells fargo would not let me use my checking account to pay my loan. I am requesting Charges from XXXX be reimbursed by Wells Fargo as well as reverse the loan XXXX fee and intrest reversal as a XXXX payment has been posted to the account. I am also requesting reimbursement of fees on the loan and checking and requesting that loan intrest be waived for this statement period only.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my Trans Union credit report I see there's an account reporting that I'm not familiar with. I have never done any business with this allege company XXXX XXXX XXXX, nor will this allege company be able to provide trans union with any contractual proof that they are legally obligated to report any allege debt on my trans union credit file. XXXX XXXX XXXX has never sent me any correspondence verifying there existence. If trans union continues to report this fraudulent account they will be in violation of multiple FCRA and FDCPA violations.
Product: Debt collection

On XXXXXXXX  I wrote into the XXXX against Cash App advising that several fraudulent accounts including cash cards had been opened in my name without my permission resulting from identity theft. Cash app responded with the response below claiming to have closed and deleted said accounts. However when I went to use cash app for the first time on XX/XX/ the account was immediately closed stating I violated their terms and conditions of service. I have never accessed their service and I did not use their service. I could not have possibly violated their terms of service if I havent used their service. The account was not used to make any transactions. Cash app just closed it because of the past fraudulent accounts. When I emailed cash app to ask why those accounts werent closed they claimed they closed they told me they didnt have enough evidence to review my claim. When asked if cash app could provide proof of any authorized previous account because again Ive never applied for their service, and I dont have any other email addresses cash app proceeded to tell me they cant talk to me about this matter and that to check if an email has been hacked how to recover it. Well my emails never been hacked as I dont have any other email addresses. So Im not sure what they are requesting me to recover. Cash app is conducting shady practices. XXXX is fraud, XXXX fraud, XXXX FRAUD. And I dont have access to these email addresses because I didnt create them. A fraudster did. I also have extended fraud victim statements on all my credit files and Ive never owned a cash card or cash app account in my life. Nor have I authorized any account to be applied for or used. Ive never received any cards from their company, and Ive never made any transactions with their company. Cash app knows this and still wont do anything about it. They do not have any proof because this account application wasnt made by me or authorized. Cash app allowed identity theft and then refuse to assist. Which is unacceptable and shouldnt say someone violated their terms that never agreed to their terms nor used their service.
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the accounts listed have inaccuracies in their reporting, including incorrect amounts and dates.
Product: Checking or savings account

Ive been trying to contact Santander about unauthorized activity on my debit card but I cant get through. Im XXXX XXXX so I have to go through special means to contact people. Anyway, because I couldnt get through to file a dispute Ill do it here. 

I discovered my debit card missing today and I see some unauthorized transactions on the account. They are ... 

XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018 There are also a couple of ATM fees. 

Please open a dispute for me and send me a new card.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my credit report from unknown unrecognizable sources and have tried multiple times to dispute the fraudulent inquiries myself but they keep giving me the same result. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX