23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and I noticed that there are inaccurate accounts. This debt is not mine and I have tried to dispute with the creditors and credit bureaus but I got no action. I need this inaccurate information to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

The numerous of credit inquires that are on my credit Report are inaccurate and fraudulent I did not give consent neither do I have knowledge of these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Habitat for Humanity XXXX  XXXX County has listed my account balance the same since XX/XX/2019. I submitted information and documentation to XXXX to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
Habitat for Humanity XXXX XXXX County, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.
Product: Debt collection

Im a US XXXX Veteran I have a family of XXXX and Ive worked hard to get my credit up. The VA was working on the problem and was in the process of paying it. 

I got a loan and payed it off quicker so the VA will reimburse me. 

Can u please give me my points back or repair my credit score to the way it was, please ...
Product: Debt collection

XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Formal Notice of Debt Validation Requirements Account # XXXX Notice to Agent is Notice to Principal Dear Midland Credit Management, This letter serves as a formal request for validation of the debts referenced above, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for proper validation and documentation of the claims.

You are hereby notified of the requirement to provide all relevant documentation in your possession that substantiates the debts and my liability, including but not limited to : 1. The original contract or signed agreement between XXXX XXXX  and XXXX XXXX. 
2. The promissory note, if applicable.

3. Truth-in-Lending disclosures and closure disclosures.

4. Documentation of any transference contracts or proof of assignment of the debts. 
XXXX. XXXX, XXXX, and XXXX filings related to any associated investment portfolios. 
6. Payoff statements and documentation of any security interests in investment portfolios.

7. Copies of IRS forms ( XXXX XXXX XXXX, XXXX, XXXX, and XXXX ) related to these accounts. 
8. A detailed statement of the debts, including the principal, interest, fees, and other charges.

9. A consumer statement, if applicable.

10. Verification of your claim or ownership of the debts, including legal authority to collect them.

For clarity and compliance with accessibility standards, I also request : A description of the language and grammar system used in your documentation. 
References to the dictionary utilized for technical terminology. 
A legend for any symbols present in your documents. 
Upon receipt of these documents and verification of the contractual agreement, arrangements for payoff can be discussed. Additionally, provide any policies your company has regarding the transfer of accounts to a trust, should that be applicable. 
In accordance with Public Law 111-203, Title X, 124 Stat. 2092, and 15 U.S.C. 1692g, you are required to respond within five ( 5 ) business days of receipt of this notice. Failure to comply will constitute acknowledgment that no contractual agreement exists or that the debts have been satisfied in full under 15 U.S.C. 1692g ( a ).

Thank you for your prompt attention to this matter. 

With regards, XXXX XXXX
Product: Credit card or prepaid card

This bank is crazy and unfair with me they are violating fcra laws they are rude to me tell me weve ended credit relationship this is so unfair in the past they would Close all my accounts out because of tok many now I cant have one this is not fair when they are harassing me sending me promotional emails to apply and earns miles and gas
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX Balance : {$130.00} ; XXXX  XXXX Balance : {$10.00} ; XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Called them back in XXXX  of XXXX made promises to clear up my credit and caused more problems than what they promised. Cost me over {$1500.00} trying to correct this issue.
Product: Checking or savings account

Some one stole my debit card and atm n stole money i informed wells fargo n they end up putting my account in the negative after they gave me a temporary credit for purchases i didnt do. They also closed my account after fraudulent account been going on.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX is an esteemed credit union in the United States, unfortunately they are currently reporting on a ghost debt that was paid off in XXXX. This ghost debt is not only still on my credit report, but the company is now refusing to remove the negative marks and late payment history from my credit report or file for a recorded closed and paid off secured card, or tradeline as XXXX, the associate helping with the matter explained. Reporting on or trying to collect a ghost debt that is almost 7 years old is illegal and unlawful. The reporting of a ghost debt in the attempt to collect said ghost debt is illegal and unlawful and does not give creditors an accurate scope of my creditworthiness and instead muddies it up and I have to prove my merit to the creditor by disproving these vicious credit predators and their counterpart credit reporters! XXXXXXXX XXXX XXXX XXXX XXXX, Experian, XXXX XXXX and XXXX are all to blame on this ghost debt from XXXX still haunting my credit profile into XXXX.
Product: Credit reporting or other personal consumer reports

I am A natural Person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by the 15 USC 1681. And they have violated my rights numerous times.

I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did give equifax written permission to furnish these accounts. 
Accounts XXXXXXXX XXXX XXXXXXXX- {$1300.00} XXXX XXXX - {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / XXXX XXXX are in direct violation of my Consumer Rights. 

FCRA prohibits any person ( individual or entity ) from reporting inaccurate, incomplete, and unverifed information to my Consumer Report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Please see attached )
Product: Debt collection

Multiple automated calls from " Weinberg Mediation Group '' since XX/XX/XXXX claiming of taking legal action against me with no reference to what the actual case was and no option to speak to a representative. 

On XX/XX/XXXX I awoke to an automated call at XXXX. Agitated, I called back and spoke to a representative. They told me they were calling to collect on a debt I had. I informed them that they were in violation of the Fair Debt Collections Practices Act. They replied it should be XXXX where I lived and I told them that was incorrect and that I live in Alaska. They attempted to defend their automated call by claiming they have an Arizona phone number and address on file for me. I told them that was irrelevant because my new address is publicly available via credit report and it 's their responsibility to verify information prior to calling to ensure that they 're not in violation of the law. Representative claimed to take note that I lived in Alaska and I ended the call. 

On XX/XX/XXXX, I received yet another automated call prior to XXXX, XXXX XXXX to be exact. Called the number back and attempted to abrasively tell them that it was the second time they were in violation of FDCPA and if it happened a 3rd time I would pursue whatever action I could for them being in violation of the law and harassing me. The representative proceeded to talk over me eventually stating that he was " was moving forward with the case against me '', " good luck '', and proceeded to hang up on me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

Please forward this to LendingClub!!
Product: Credit card or prepaid card

On XX/XX/2022, I made purchase of the XXXX XXXX XXXX solid gold watch for the amount of {$54000.00} from XXXXXXXX XXXX in florida with American express credit card. The watch was shipped next day under tracking XXXX. 

Upon receiving the watch on XX/XX/2022, I realized there is no warranty card along with the watch as seller states. I insisted return right away. Seller agreed with my return and provided XXXX label under tracking XXXX. 

On XX/XX/XXXX, I dropped off my return at XXXX store located in XXXX. And the watch was delivered back to seller on XX/XX/XXXX with XXXX confirmation. 

On XX/XX/XXXX, I contacted Seller and was told that they had not received the watch. I called XXXX with the confirmation sent to seller to verify. But seller insisted they never received the watch. 


After 3 weeks talking back and forth with seller, I opened a dispute with American Express with the reason- return but no refund provided. 


After first dispute opened, Amex stayed on seller 's favor as shipping weight did not match with the weight on the box. I argued with Amex that seller provided shipping label for 1 lbs. but provided return label for 2lbs. But my actual return is 6lbs because seller shipped my XXXX watch in an envelope. I was nicely putting return in a nice box with all bubble wrap to make sure no damage occurred during transit. Also, the first shipment they delivered to me was 6lbs. Then there is no reason why Amex stayed on seller 's favor. 

After my dispute was closed, I reopened dispute with Amex again but Seller claimed they received wrong item. 

At the beginning of dispute, seller was dispute by stating shipping weight did not match to get my return and money. Now they said they received wrong item with AmEx but did not provided any proof of wrong item. 

Amex closed my case again without explanation even though seller clearly seems fishy on my return. 

After few months back and forth with Amex dispute, I provided everything as proof to support dispute. At the end of dispute, Amex were telling me there is nothing they can do to help me. Because this was the fact that XXXX lost package which can be understood as third party revolved in this issue, they could not do anything. But once I contacted FedEx for claim and verification, they stated that I must be shipper to resolve this issue. 

The fact that XXXX lost package. But to open claim with XXXX, I have to be shipper. But Seller insisted they would not open claim with XXXX. Then Amex always states with Seller sides even though everything was clear to them. And Amex later claims that XXXX is the reason why I lost the dispute. Even they promised that They will help me to resolve this issue. Amex is clearly putting me on the edge of loss with this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. XXXX XXXX XXXX ( XX/XX/2022 )
Product: Credit reporting or other personal consumer reports

I submitted a dispute for this account previously and received a response from the credit reporting agency indicating that the account would not be removed because it was verified. I am concerned about the accuracy of this verification process, as the account information is clearly inaccurate. Therefore, I am now formally requesting details regarding the method of investigation conducted, as outlined in 15 USC 1681i. Please note that I am submitting this request through the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with all applicable laws and policies. Given the circumstances, I am requesting a detailed explanation of the method of investigation conducted by the credit reporting agencies, as outlined in 15 USC 1681i. It is crucial to me that the reinvestigation process is thorough and comprehensive, considering my concerns about the accuracy of the initial verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Use false, deceptive, and misleading representation of different claims amount to collect the debt. 
The XXXXXXXX XXXX ( original creditor -XXXX XXXX XXXXXXXX is the collector ) has alleged or claimed three ( 3 ) different of Non verified and Non validated owed money. 
{$7700.00} {$7700.00} {$8600.00} Do I know the amount? 
I have no idea about the amount its ( 3 ) different unverified and invalidated amounts It was not resolved the billing dispute with XXXX for more than ( 5 ) years. It is still unclear to me what about their false owed of ( 3 ) different amounts for the SAME issue or claim. 
Date Description for letter/Document Amount US $ Document # XXXX 2nd Party, sent a collection letter XXXX ( Doc # XXXX ) XXXX XXXX XXXX Conclusion 3rd Party Bills 2nd Party, sent an attached file from the original creditor ( 3rd Party ) for the details of the alleged /claimed XXXXXXXX ( XXXX ) + ( XXXX ) + ( XXXX ) ( 3rd Party ) Bill ( 3rd Party ) Bill Amount different from XXXX To XX/XX/XXXX Amount different from XXXX To XXXX XXXX Amount different from XXXX XXXX To XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Doc # XXXX ) XXXX XXXX  XXXX ( Doc # XXXX ) -XXXX ( Doc # XXXX ) XXXX XXXXXXXX XXXX ( 4th Party ) - Original Amount ... - Balance Amount XXXX XXXX ( Doc # XXXX ). 
XXXX XXXX XXXX XXXX : Track my credit score with XXXX  Credit Report/account and balances /account of payment details XXXX ( Doc # XXXX ).
Product: Debt collection

Individual by the name under XXXX XXXX conacted me and right from the start began asking to verify my address to send paperwork, asked numerous times to id herself and finally she did so, then at that point gave partial call disclosures. The Debt Collector claimed I owed XXXX to XXXX XXXX XXXX through their store card XXXX. This was the first time I ever heard from this debt collector nor did I ever receive anything in mail give me the chance to dispute the amount of item The agent and her supervisor was pressuring me to pay the debt at once advised did not have that kind of money, then started pressuring me to make monthly payments that were unrealistic and could not make at that point my wife had enough of their games and yelled at them, supervisor came back with an abusive comment pay your bills, and asked do want to settle this debt.This Occurred on XX/XX/XXXX Friday morning around XXXX, we did file complaint with Texas AG office and waiting for word back from them. Agency needs to DEMAND to produce the call recording tape as the violations are quite BLATANT!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Today when i pulled my free credit report at annual credit report.com I noticed I had a bunch of errors on my credit report that was hindering my financial well-being Since then I have tried to reach out and contact the credit bureaus but was unsuccessful. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Maryland XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do Not and have not Lived at these addresses With the amount of identity that's going on I am fearful somebody might take my ID and use it on the dark web so today I am taking preventative measures to assure my identity is never compromised again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint concerning inquiries that are fraudulently placed on my credit files I did not authorize these inquiries to be made, I sent letters to the creditor notifying them of these inquiries are fraudulent. Inquiries : XXXX Credit Bureau Inquiry Date of Inquiry XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit Bureau Inquiry Date of InquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I'm a XXXXyear old male, hacked and scammed over my phone on the dates of XXXX XXXX. Scammer had me use Credit and Debit cards to purchase XXXX  Gift Cards at my local XXXX XXXX ( XXXX ) store as follows : XX/XX/XXXX : 2 purchased Gift Cards = {$990.00} ; XX/XX/XXXX : 4 purchased Gift Cards= {$1900.00} ; XX/XX/XXXX : 8 purchased Gift Cards = {$4000.00}. 

All these on my American Express Card. 
I also used XXXX XXXX debit card and XXXX XXXX XXXX credit card to purchasXXXX XXXX Gift Cards on those same days. Subsequently, after reporting the fraud to the XXXX, WA police ( XXXX # XXXX : this file can be accessed if needed ) and all the banks, XXXX and XXXX  XXXX XXXX credited my account for all the losses. 
I spoke with several American Express representatives over the past two months, and last week was told by a Supervisor that they didn't consider my case as FRAUD, but " the product purchased was damaged or not as described. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00}