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

Dispute Of Inaccurate Collection Amount - FCRA XXXX XXXX & XXXX I am writing to dispute the accuracy of the following collection accounts on my credit report XXXX. XXXX XXXX XXXX for amount of {$2000.00} opened on date XX/XX/XXXX XXXX XXXX XXXX XXXX for the amount of {$220.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX for the amount of {$91.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX for the amount of {$540.00} opened on date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX for the amount of {$370.00} opened on XX/XX/XXXX I am not liable for these debts. I do not have contract with any of these companies. They did not provide me with the original contract with my wet signature and ID verification. 

XXXX XXXX XXXX - Requirements relating to information contained in consumer reports. 
Under XXXX - False or misleading representations Under XXXX - Obtaining information under false pretenses Under XXXX ( m ) - exclusions ( collection accounts ) Under XXXX - Civil liability for willful noncompliance Under XXXX - Validation Of Debts Provide proof of these alleged items, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from my credit report as soon as possible. 

Reason for dispute : The debt does not belong to me or is charged off. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX {$1600.00} ( a ), you are required to conduct a reasonable re-investigation of disputed information. Additionally, furnishers must provide sufficient documentation to verify the validity of the debt ( XXXX XXXX $ XXXX ( b ) ) If this debt can not be validated with proper documentation, it must be removed from my report immediately ( XXXX XXXX $ XXXX ( a ) ( XXXX ) ) Thank you for your prompt attention. 

Sincerly, XXXX XXXX
Product: Debt collection

See below statement. We seek immediate removal of fictitious debt from our credit files.
Product: Credit reporting or other personal consumer reports

The following companies Shared my personal information without my written consent. 

AMEX : Date XX/XX/scrub>XXXX XXXX XXXX XXXX : Date XXXX XXXX 15 USC 1681 ( 2 ) ANY negative item that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud.

( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

I have tried to remove two repossessions from all of my credit reports. The first is with XXXX XXXX ; car reported stolen and insurance claim paid out XXXX XXXX which is reported as a repo but the account was settled in divorce court
Product: Debt collection

I have Student loans that have the wrong address and spelling on the account. The accounts owed are not mine. I have disputed these actions. They have taken the accounts off and then put them right back on. The accounts are ruining my credit. I have sent Dispute letters into the three credit breaus on XXXX, XXXX and XX/XX/2019 about this matter. On my Credit it states that I owe nothing in student loans but they are still saying I owe XXXX.
Product: Checking or savings account

On XXXXXX/XX/XXXX my checking account was debited XXXX by TD bank, no explanation just a debit note. I called the bank on XX/XX/XXXX 4 times and no one could tell me who or why they debited my account. The XXXX is unaccounted for and no one at the bank seems to care that an employee debited my account leaving it at a XXXX balance. Is someone committing fraud at the bank. I spent hours on XX/XX/XXXX with different departments with promises of someone will call me back to no avail. Why is a XXXX XXXX  and random employees debiting people accounts. I have now spoken to XXXX employees including XXXX supervisors spending all day on the phone, who say they know the person who took the money out but he can not speak with customers. 

The bank is trying to say I did not have the money available on my overdraft line to transfer over to my checking but it showed available on XXXX 

The money they deducted on XX/XX/XXXX out of my checking account has not been posted to any account, so how can they bank take XXXX out of a checking account and not show a credit for it. 

The last person I spoke with was so condescending and refused to transfer me to a corporate complaint department. XXXX  minute a representative is saying they will credit my account and the next rep is stating there is no bank error. Been jumping through hoops all day. I've been a customer of this bank for 30 years and this is how I get treated.
Product: Checking or savings account

I opened a new account with Ally Bank on XX/XX/XXXX. The account was funded by " pulling '' money through an ACH transfer from my account at another bank. After I set up online banking, I got an email stating that due to suspicious activity on my account, it was on hold and I would need to provide additional information before being able to access my account again. I called the provided telephone number and provided all of the identifiable information they asked for. They said that my account was still under review and I would just have to wait to hear back from fraud prevention once more information became available. About 3 weeks after opening the account I had still not heard back, so I called again and was told that my account had been closed. I asked if they were intending to inform me of that and they said a letter would be forthcoming. ( It has been nearly a month from that time and I still have not gotten any letter ). I got an email on XX/XX/XXXX saying that a new statement was available for my account. I found this odd considering I was told the account was closed, so I called back in. After talking to multiple people and spending over XXXX minutes on the phone I was told again that my account was indeed closed. I requested that my initial funding deposit be returned, and was told that they would not be returning my deposit, saying that I would need to dispute the ACH transaction with the other bank if I wish to get my money back.
Product: Debt collection

I paid the account with the XXXX XXXX they are collecting for. When I spoke to a lady named XXXX she advised she would send an email stating that the debt had been paid and would be removed from my credit report ( I am buying a home ), when I did not receive the email I spoke to her supervisor, XXXX and he advised he could not remove the debt. I told him that was a lie because she told they could and I have had a previous medical collection with XXXX that was removed once paid. He lied and said that could not be done, even after I know for a fact it can and his collector told me it would as well. I need this removed ASAP for my credit report as promised by the collector named XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM CONTACTING YOU DUE TO SEVERAL INACCURACIES ON MY CREDIT REPORT. I NOTICE THAT SEVERAL ACCOUNTS ARE NOT REPORTING CORRECTLY WITH THE BALANCES AND AMOUNTS LISTED ON MY CREDIT REPORT. BELOW I WILL LIST THE INFORMATION THAT NEEDS TO BE REPORTING AND THE CORRECT AMOUNT THAT IS TO BE REPORTED. 
1. XXXX/XXXX  ACCT # XXXX IS IN A POSITIVE STANDING IT IS NOT REPORTING ON MY EQUIFAX . HERE IS THE ACCOUNT MONTHLY AMOUNT UPDATE {$3000.00}. 2. XXXX XXXX XXXX # XXXX INSTALLMENT MONTHLY PAYMENT IS {$250.00} BALANCE {$9300.00}. PLEASE UPDATE ACCOUNT AND LIST IT ON MY CREDIT REPORT IMMEDIATELY. 3. XXXX XXXX XXXX 4. XXXX XXXX 'XXXX  XXXX 5. XXXX  ACC # XXXX HIGH CREDIT {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2020 to remove all the inaccurate addresses and telephone numbers and hard inquires from companies that I had never done business with it's been 30 days and they still have yet to remove them. My name is mispelled 12 times on the report that XXXX sent recently this is affecting me from buying a house. I have provided the addresses in the document section and the hard inquires from unknown and inaccurate information.

The following companies I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

VW CREDIT is illegally furnishing my sensitive, private, non public personal information to consumer reporting agencies and mismanaging my security- securities fraud- which is a violation of federal law and of the SECURITIES EXCHANGE COMMISSION ( SEC ). I sent VW CREDIT a letter that arrived at their offices on XX/XX/2024 ( SEE ATTACHMENTS BELOW FOR PROOF OF MAILING AND NONCOMPLIANCE ) exercising my right to opt of the sharing of my non public personal information pursuant to the the XXXX XXXX XXXX XXXX 15 USC 6802 AND a request for LATE PAYMENT MAILING PROOF under 15 USC 1666b-timing of payments of such TRANSACTION HISTORY- this request was completely ignored and stalled with the attached letter below stating nothing to do with my opt out request or proof of mailed disclosure of the alleged late payments. THE LAW STATES if a consumer exercises their right under the XXXX XXXX XXXX XXXX to opt out of the sharing of their non public personal information from being shared to any non affiliated third parties which includes consumer reporting agencies they must comply within a " reasonable time frame ''. They received my letter XX/XX/2024, ( SEE PROOF ATTACHED ) today is XX/XX/2024. It has been over 30 days since delivery, they are now ILLEGALLY furnishing my sensitive personal information. I'm submitting a TCR complaint.
Product: Credit card or prepaid card

In XX/XX/2019 I made a purchase for {$100.00} at a Macys store. I rarely use this account and with some unfortunate life events I forgot I had made this purchase. I never received a bill via email or in the mail. In XX/XX/2019 my Mother received a letter her address stating that I now owed {$250.00} to Macys. She stated to me that this arrived and that nothing had ever came to her house for me prior. I have not lived at that address in approx 5-6 years. I immediately called the Macys credit card to find out what was going on and they advised me that I made the purchase of {$100.00} and that the {$150.00} was for late fees. They asked me what my address was and I they had the incorrect address on file which they updated that day. Also, I paid the {$100.00} balance that I owed that day. They advised me to send in a letter disputing the fees and to correct my credit report back XXXX reflecting that it was not past due. I did all of this and within a week they denied the dispute saying there was never returned mail. Howeve3r, mail can not be returned if it is never received. Also, for the months of XXXX a phone call to me stating that the bill was past due was also never even made to me. 

I have already paid the {$100.00}, I am asking Macys to simply restore my credit back to reflecting a positive paying history since XXXX & to waive the $ XXXX in late fees. They refuse to help me at all. They have also closed my account.
Product: Debt collection

I asked for debt validation from Unique National Collections for this library debt, but received nothing and further attempts were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had credit card cancelation dept with discover cridet card and I had recive 1099 c form and reported to my tax return as year XXXX in XX/XX/XXXX and till this day haven't being removed from my all cridet card beuro and I had being submitted more than requested to XXXX, XXXX to being investigated and remove from my record having being romvoed till this day and still effected my credit score and I can't apply for buying home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file complaint before about updating my credit report address Yes they addendum my New address but still refuse to remove address XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my report that is not a deliverable address for me I cant not receive any USPostal mail at that address and it needs to be removed from my report I have literally asked for this over 13 times as of today
Product: Student loan

I am one of many young Americans who are in great school debt. I can not get ahead in life due to my debt. My payments are too high, I even went to a state school. Navient will not and never has offered an income based repayment plan. My federal government loan through XXXX has, but it is my smallest loan. My credit is ruined, I can not afford a new car for my XXXX son to ride safely in. On top of this all I am harassed daily by Navient. I made it clear I can not afford what they want from me while trying to pay for necessities to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a mortgage loan and the loan officer states that Equifax has my report frozen. I have screen shot proof from the loan office. Called Equifax and they said that the credit is not frozen on their behalf and that there is nothing they can do. The loan office tried a second time and the error remains can someone help me. 
I can send in proof.
Product: Debt collection

I want to file a complaint against Convergent Outsourcing Inc . I paid XXXX and by law, they must recall the account from Convergent Outsourcing. Convergent Outsourcing has no legal reason to report on my credit reports and must delete.
Product: Debt collection

This debt does not belong to me. I never signed a contract with this company, and they are reporting debt on my credit report this from someone using my information to obtain credit and needs to be removed as it is a fraudulent account.
Product: Credit reporting or other personal consumer reports

Torrid credit card not mine, dont know who they are. Opened XXXX never paid {$350.00} XXXX opened XXXX owed {$1400.00} XXXX XXXX opened XXXX owed {$590.00} These do not belong to me all my other cards were paid off and on time
Product: Credit card

On XX/XX/XXXX an " Annual Fee '' of {$49.00} was charged on a CLOSED account. On XX/XX/XXXX an " Account Management Fee '' of {$12.00} was charged on a CLOSED account. On XX/XX/XXXX a " Late Payment Charge '' of {$41.00} was charged on a CLOSED account. The XX/XX/XXXX Statement shows " Past Due Amount '' of {$120.00} and a " Minimum Payment Due '' on XX/XX/XXXX of {$220.00} on a CLOSED account. 

This is my last attempt at getting these fees/minimum payment issues resolved with Aspire. I will be filing a small claims against them on XX/XX/XXXX if these issues are not resolved in the next week. Aspire is strong arming me into paying the balance on a CLOSED account and being unreasonable about amount due. 

And now they have reported my CLOSED account to XXXX as " Past Due. '' They need to STOP. 

Unfortunately, I am unable to attach the XX/XX/XXXX Statement showing all these discrepancies.
Product: Checking or savings account

My checking account showed a available balance of {$200.00} and I checked everything and all of my debits had gone through and everything was as it should be so I thought that I got a refund from a credit card company that said they were refunding money for a fee I paid in XXXX. So I paid my credit card connected with Truist {$27.00} dollars because there was money in my account and then the next day there was no money in my account and my bank charged me an NSF fee so I want to know why they keep doing this to me. They show that my account has money and its still is in there 2 days later so I assume that I have money in my account they let me make charges and then they charge me an NSF fee and the money I thought I had in my account magically disappears. I feel that this is a scam and I feel this should be illegal. They are doing this to deliberately cause people to incur NSF fees and I think this is outrageous and they need to be stopped because they keep doing this.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus, There is information that on my consumer report that is a result of identity theft .I did not provide written permission or instruction for the identified transactions to be reported on my consumer report .I am requesting that the reporting of this information be blocked and deleted .My request to block is not being made in erro, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions .The identified transactions are not information related to any transaction by me as the consumer : You have 4 days to remove and blocked ALL THE INQUIRIES ON MY CONSUMER REPORT The account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I set up Bill Pay with SunTrust Bank. On XXXX I tried canceling the bill pay before XXXX. It would not let me cancel. As a result my account over drafted and I was changed multiple overdrafts. Right now the fees total around XXXX. I am requesting a refund of part of the fees.
Product: Debt collection

The debt has a balance of zero but still shows on my credit! It is also more than 7 years ago. Please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Product: Credit card

I needed to transfer a balance from a different bank 's card, so I applied for 21 month/ 5 % balance transfer offer with Wells Fargo XXXX I did not want a hard request on my sparkling credit history, but the offer was too good to pass. Boy, if only I believed all those negative reviews online! I was approved for {$12000.00} credit line ( online ), and two options were offered : " Set up your account '' and " Transfer balance ''. I've decided to set up my account first and request a balance transfer from there ( as I did many times before with different cards ). Big mistake. When I tried to use the offer, I got a message " Sorry, this service is not available now, please request a balance transfer by calling ... ( customer service number ) ''. I really don't like calling any customer service, because between my accent and their accents it is usually not a very good idea. But I called. And was told, that I have to wait until I get a physical card in the mail! That did not make any sense for me, since I need my balance transferred now, and this was the whole reason for applying on the first place, so I asked to cancel this card. Again- no! I can not do it, I have to wait several days. Anyway, I already transferred my balance to another card, and I don't ever want to see Wells Fargo card in my wallet.