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

I received a copy of my credit report and am disputing Several addresses some which I have not resided at.I am requesting these addresses be deleted. I have highlighted these addresses and I am disputingthe following items : The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX The following numbers need to be removed due the they are no longer active or attached to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX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

Someone XXXX purchased items from Best Buy using my account sometime in XX/XX/2023 I noticed this and immediately called to cancel my card and notify best buy that this was an XXXX purchase, they knew it wasnt me who made it authorized this purchase and said they would remove it from my account and may take up to XXXX XXXX cycles for it to clear and its been XXXX of constant calling all to be told every time that its still under investigation with no resolution in sight
Product: Credit reporting or other personal consumer reports

XXXX inquiries have not been verified by the company. The supervisor at XXXX fraud department spoke with a Equifax representative on XXXX XXXX to confirm this information can not be verified. I will be moving forward with a law suit fir stress and damages also defamation of character.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 i deposited check from XXXX XXXX ( XXXX ) using XXXX XXXX. Name on check was XXXX XXXX and XXXX, XXXX ( check number XXXX ). Amount {$1400.00}. was for purchase on goods from craisglist. 

XXXX XXXX cancels transactions and having the suspicion this isn't clean money, i refunded the entire amount to two quickpay accounts ( XXXX and XXXX ) Check turns out to be counterfeit.
Product: Debt collection

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 

SANTANDER XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX FIN XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Some how around 2011 my mortgage was bought by XXXX XXXX and during that time I had filed a Chapter XXXX and since then I have completed it almost a year ago! I have asked for payment statements and I have not received one to  this day and yet I still send in my payment. I have asked why there is no record of my payments being made on my credit records and I have not received an honest answer 4 different answers from 4 different people! I also dont understand where almost {$50000.00} has been attached to my loan.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consume protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a XXXX XXXX XXXX XXXX priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Uber Technologies Inc. is the parent company of Xchange Leasing LLC. XCHANGE LEASING LLC and XXXX have been and are reporting inaccurate information on my credit report. XCHANGE LEASING LLC and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. XCHANGE LEASING LLC and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and XCHANGE LEASING LLC asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and XCHANGE LEASING LLC of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor XCHANGE LEASING LLC have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX onXX/XX/XXXXXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XCHANGE LEASING LLC on XX/XX/XXXX : XXXX. The following hard inquiry which should be deleted immediately is : Creditor Name : XCHANGE LEASING LLC Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I rediscovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

WELLS FARGO BANK is reporting late, yet it is closed in my Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting or other personal consumer reports

Company contacted me about changes being made to my account on XX/XX/scrub>XX/XX/XXXX 

I emailed them back to say is wasnt me and to contact me right away. 

No one contacted me so from XXXX I tried to call and could not get past the automated system to get my account back from the hackers who are destroying my credit. 

They have not tried to contact me since. And my credit is froze
Product: Debt collection

Receivable Recovery Services calls my phone and will either not say nothing ( so I just hang up ) or want me to tell them my personal information before even telling me what the call is about or where they are calling from. I have repeatedly asked them to send me an itemized letter detailing what they are refusing to tell me about and to send it certified to ensure I get it. I have told them not to to contact me until they can prove that I get a letter and yet they still call. I have told them I do not owe them anything and to stop calling me. When I do this, they become aggressive and rude. I refuse to give my personal information to anyone on the phone especially when I know I do not owe this company anything. I can not provide dates or amounts because I have not been given any of that information at all. The only thing I have been told it was a medical debt.
Product: Debt collection

I called midland funding llc to validate a debt listed on my credit report. They told me the account was with their company XXXX. I called XXXX XXXX and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called midland again and emailed XXXX XXXX requesting validation of the debt. I didnt hear a response back, so I called midland this morning and told them that I have waited 5 days to hear back and all they said was that XXXX XXXX was supposed to call me later and that it was a miscommunication about the debt. I called XXXX XXXX again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXXXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries in my report. These are the fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Despite my previous requests, your bureau has failed to provide any debt validation or verification steps for this account. I have not received any sufficient evidence supporting the legitimacy of this debt, causing me significant distress. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you promptly investigate this matter and either provide the necessary validation for the debt or remove this account from my credit report. The lack of validation from your end is a clear violation of the FCRA, and I expect a swift resolution. XXXX XXXX XXXX. Also, XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below is not mines. i have attached disputes sent to AG of Florida. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}
Product: Checking or savings account

In XX/XX/2020, someone opened a Checking and a Saving Account in Bank Of America. Using my name, address, and SSN. 
I created a police report, notified the local branch, and called Bank of America. 
They asked for more information and I have provided the information since XX/XX/2020. 
They have not communicated with me since then. 

Please note, I do not have any account associated with Bank of America, no credit cards, no loans, no saving accounts, and no checking accounts. 

I have attached the following : Bank Account Statement Bank Letter indicating the Accounts were closed Fax receipt of additional information they needed Police Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX  the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, New York XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


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

" I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Disputing : XXXX XXXX XX/XX/XXXX {$1000.00} 15 USC 6802 - Obligations with Respect to Disclosures of Personal Information I DO NOT recall giving XXXX XXXX XXXX XXXX permission to give my personal information to XXXX XXXX. Additionally, I did not give XXXX XXXX permission to report to my credit. 



15 USC 1681 - 15 USC 1681 ( b ) - Reasonable Procedures I DO NOT recall XXXX XXXX XXXX XXXX XXXX XXXX XXXX opportunity to opt out of sharing my information. XXXX XXXX is reporting this account to my credit report fraudulently.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name:XXXX Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 and should be removed from my credit report Below is a list of hard inquiry that I don't know of XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Credit Cards XX/XX/XXXX TransUnion Public Information Top
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I transferred XXXX USD via Wise. I entered a number incorrectly in the recipient account number. When I wanted to cancel the transaction, I couldn't. I sent an e-mail to Wise. They said they would fix it in 10 days. But two weeks later, my money has not been refunded and they said the money was sent to the wrong recipient account and they couldn't fix the problem. Although the name and routing number of the recipient I sent were incompatible. Wise wanted me to make the transfer and take this mistake on me. I need you to assist. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not give written permission to Flagship Credit Acceptance to obtain my XXXX credit report on XXXX. I did not apply for credit or authorize Flagship Credit Acceptance to obtain my XXXX credit report.
Product: Checking or savings account

I have paid all my overdrafts and charges. I opted in to overdraft protection. I don't understand why they're declining all my ATM transactions. I have a balance of XXXX dollars in overdraft now, but last month they let me overdraft over XXXX dollars. It was paid. I can't get a straight answer when I talk to them.