23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled my credit file and saw I had one ( 1 ) collection item from XXXX XXXX XXXX XXXX. The creditor is Speedy Cash XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XXXX. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
Product: Debt collection

The company is in violation of selling my debt to a collector which continues to harass me for money I don't owe I wish to have this removed from my credit immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I notice an account on my credit from Acima that was an open account which took me at a surprise. I had an account with them but I had paid it off. So when I saw this account it said open XX/XX/2022 and payments were made on this account but it had stopped being paid. I was wondering why my credit score had dropped but this is why.

I reached out to the company expressed that this is not my account and that I needed to know what to do to get it off my credit. 
I was advised if I thought this was fraud to file a police report submit it and they would take it off my credit report. 
I did so and the. I received a message stating since they have all my info which is apparently they have my info from my own account that they were not removing it. 
This is causing me several credits points and I have done my due diligence and they are violating my consumer rights.
Product: Credit card or prepaid card

Response to Capital One Bank Credit Card XXXX XXXX XXXX XXXX SS XXXX - XX/XX/XXXX Card ending in XXXX- 2 charges - Case Number XXXX Dated XX/XX/XXXX - and XXXX dated XX/XX/XXXX - The attachments enclosed are copies of numbers - NO signatures - or any proof I extended my stay at the stated hotel- After staying there from XX/XX/XXXX to XX/XX/XXXX The Manager that I dealt with was XXXX XXXX . She was the original manager that made the rate of XXXX XXXX per day. When this hotel sold in XXXX to the XXXX -The manager was changed to a man named XXXX - No one will give me his last name - Thus I have contacted the XXXX XXXX XXXX and filed Credit Card Abuse/Fraud - Police report number XXXX - The copies of the bills are not signed or initialed and what was provided were blank copies and NOT my signature - See my driver 's License signature. 
I have given XXXX XXXX, XXXX Tx Attorney permission to sue all parties involved in this fraud - Capital One advertises 100 % FRAUD PROTECTION- I have 5 accounts with Capital One and surprised I am having to take the steps to protect me from financial fraud.
Product: Credit card or prepaid card

Barclays customer service is NOT receiving any calls, however, I faxed to them my complaint regarding unauthorized charges on my account on XX/XX/2020. On XX/XX/2020 I received a letter stating that in order to protect my account I must call them otherwise, certain restrictions may be placed on my account. 

I called them today, XX/XX/XXXX, and they are still not accepting any phone calls. 

Between XX/XX/XXXX through XX/XX/XXXX there are numerous UNAUTHORIZED charges on my card from XXXX or XXXX XXXX. 

I do not use XXXX XXXX nor I authorized any of the transactions listed on my card.
Product: Debt collection

My ex husband opened and charged a phone plan through XXXX in my name-this was around XX/XX/XXXX. I was not notified, or didnt receive notification that this account was charged off until after divorcing him, around XX/XX/XXXX. I had disputed this with XXXX and cited the above statement, but didnt hear anything further regarding the matter, negative or positive. 

2 weeks ago, I opened a new credit line. As a result, I received a letter from a 3rd party ( Convergent ) today stating that the debt still hasnt been paid but theyd settle for {$1000.00} This debt is 8+ years old and shouldve been removed already, much less the debt was created illegally anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my credit reports and I saw all these inquiries, they don't belong 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXX and i was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is reporting inaccurate information and need to delete this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft as a result of a data breach. I discovered that an account with the following details was fraudulently opened in my name without my knowledge or consent : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Amount : {$00.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Occasionally I receive emails from equifax titled : Equifax Confirmation Number : XXXX - Dispute Received ( confirmation number is different with each email ). 

You're supposed to be able to take the confirmation number and log in to check the status of your dispute. Typically it would ask you to verify various pieces of information that would be identifiable by only you, however, the questions that are asked almost never apply to me and I am denied access. I've called equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( these are just the documented calls, as I typically call on fridays when i'm off work ). 

Each time they tell me that it's a network issue and they are working on it. The same story for over a year now. This is ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the collection account referenced above, which has been inaccurately reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I request that you investigate this matter and remove any erroneous information regarding this debt from my credit report.
Product: Checking or savings account

In XX/XX/XXXX my husband and I both had fraud charges on our account. I called in talked to young woman about these charges. She supposedly ordered m a new debit card which never received and she also left my husband 's debit card. The bank never sent us new cards. The young woman hung up on me. In XXXX we had unauthorized charges from XXXX XXXX. I contacted the company they refunded our money. So I thought everything was fine. No more charges like XXXX of them with no letting me know that they were happening. Chase bank has fraud alert that XXXX I found out about the beginning charges. We had received our tax refund and some money from selling a house so the money kept coming out without getting to a low balance notice on XX/XX/XXXX. Finally a notice from the bank. We were waiting for our cards they to us they mailed never received cards. So for 6 months we have had just one debit between the two of us. They have denied all the XXXX XXXX charges because it was the same card from XXXX in which were the charges I told them about. The bank never disputed this charges until XX/XX/XXXX. The problem since the bank never sent me a card and never issued a new one in his name. How can a bank deny unauthorized charges because it was the same debit card when the bank failed to issue a new card when I reported unauthorized charges. The bank policy is to issue a new card.
Product: Credit reporting or other personal consumer reports

These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Back in XXXX, we filed bk XXXX and were XXXX in XXXX. We thought that the second mortgage was removed because ever since the bk was XXXX, we never received any statements or any correspondence from the XXXX. Until after we thought of selling our home, that was when we found out that we had XXXX liens against our property. The broker could not locate the mortgage company at that time. I had to do my research to find out what the mortgage company was. It took me a long time to know that XXXX was sold to Ally Bank. When I reached out to them, they told me that we owed $ XXXX because it accrued interest for almost XXXX  years. They mentioned that we were delinquent for over XXXX  months The original loan was $ XXXX. That was the only time they started sending me correspondence about our loan. We find it unfair that they never sent us anything before for that many years ( 20 years ), and now they're saying that we owed this much. We could have done something about it before had they sent us some type of statement but they never did. They mentioned that it can go to foreclosure. I had tried to reach out to Ally Bank to request a resolution and applied for a loan modification so that it wouldn't go to foreclosure. Since XX/XX/XXXX, I have been trying to communicate with them and ask for help. I sent them the application for modification and all the required docs many many times but they tend to give their customers the run-around. I have sent them all the needed docs via fax, via email, and mailed them as well. I always had to resent the application and resent the required docs. It was very frustrating to hear that they always was missing docs when every piece of document we sent over and over again. We were trying to do our part but they seem to not do theirs. We feel that they are doing the run-around so that they can foreclose my property. It has been over a year and XXXX that we have been trying to work with them but they aren't willing to help us. The balance keeps growing and It's unjust that they aren't fulfilling their responsibilities even though we are doing our best. All the calls are recorded supposedly. I have proof of emails from way back. I would like to ask for your assistance. Now that they know that the property has equity, they send us correspondence and even try to scare us that they can foreclose it. This lien has been dormant for almost 20 years. I believe it is just right that they remove this lien from the title. I can send all the proofs of communication if needed. 

Your prompt response would be greatly appreciated! 


Thank you!
Product: Student loan

I have requested the rest of my refund from Mohela under the XXXX XXXX XXXX lawsuit. Mohela 's refund should have been in that amount of {$18000.00} but only {$9900.00} was refunded. Mohela has not refunded the rest of the about due. Mohela also refunded the about directly to the bank account instead of a paper check. The bank account that the refund was not my current bank account. I have requested a detailed account of the refunds due to me and have not received this information.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX, XXXX. 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

These accounts are in violation of the FCRA and Metro 2 Compliant reporting standards and according to FCRA this is a violation of my rights. I checked my report and noticed multiple billing errors under 15 USC code 1666 b billing error - the creditor 's failure to reflect properly, a payment made by the obligor or a credit issued to the obligor.

The creditor did not notify me 21 days before with a statement so there should be no late payment on these accounts. I demanded to the creditors to see hard solid proof that the accounts were not paid and deemed late because of billing error. These accounts should state paid and closed with no late payments on my credit report. 


XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative
Product: Debt collection

I was garnished last year by Hospital Services Inc. XX/XX/XXXX-XX/XX/XXXX. Recently I tried to make arrangements for other debt that had crossed their desk in XX/XX/XXXX for a debt from XX/XX/XXXX. They first refused payment arrangements, then they returned payments in XX/XX/XXXX. Then they served me papers for garnishment of {$440.00} in XX/XX/XXXX. The requested my employer to take {$530.00} in XX/XX/XXXX. They sent my employer the wrong address to send payment to, so when my employer cut them a check on XX/XX/XXXX. I called to see if the had received it on XX/XX/XXXX. They said it was sent to wrong address and I notified employer who also spoke to them about HSI error. Had check stopped and reissued. I called again on XX/XX/XXXX and they said they never received check. I called again on XX/XX/XXXX and she said she wouldn't process right away but had received in on the XX/XX/XXXX. She then stated she would process or notify courts until 2-3 weeks from now of payment made or issue refund for the overpayment. This company has repeatedly refuse to fix or except their errors and should be held accountable.
Product: Credit reporting or other personal consumer reports

The claim written is the response to my complaint is not accurate. Attached is a screenshot of my most recent credit report from XXXX. It clearly shows that whenever I have disputed this info, Comenity Bank  ( your company ) reports it as accurate. The details in the account doesnt not mention XXXX XXXX XXXX as the company reporting said info ( see YOUR STATEMENT section ). This account is not, by law, reporting correctly. As mentioned in the response, the account is not under XXXX XXXX XXXX. With all the above being factual, with proof, THE ACCOUNT SHOULD BE REMOVED FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Product: Debt collection

XX/XX/2017 Original Creditor Capital One Bank collection agency XXXX XXXX. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX  and yet the account remains on my credit file. With the latest news of Capital One data breach this further backs my complaint. Please advise this collection account be removed immediately.
Product: Credit reporting or other personal consumer reports

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living
Product: Checking or savings account

I noticed that purchases was made with my account mid last month. I immediately reported the card lost/stolen. I filed 3 claims. One for the purchases that was pending and the other for the purchases that was already posted. They gave me the money on the pending charges back once they posted. Yesterday they told me that my 2nd Claim was denied because my card was actually present when it was used. I was dumbfounded. I was like duh. He said since it was in the hands of whoever found it that means I authorized it. I couldnt believe what i was hearing. I told him I didnt authorize anything and I would like my money back. They gave me the money back on the other fraudulent charges but not the 2nd one. Im guessing because the 2nd claim was larger. I never use my card credit. All purchases was done by credit. I always use a pin/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 RE : FRAUD DEPT/ Identify Theft Update Credit files To : The Consumer Fraud Complaint Dept .

I have contacted Experian, XXXX, XXXX, XXXX, XXXX, and XXXX company several times regarding these unauthorized fraudulent identity theft accounts on my credit files. I have submitted several complaints about identity theft and have issued proof of identity to these companies including : federal commission trade report police report, Passport utility bills, A signed Rental Lease Agreement The following accounts are in fact fraudulent identity theft accounts, I have no knowledge of the following accounts on my personal files, and they shall be removed immediately : XXXX XXXX XXXX XXXX Date : XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Date : XXXX Amount : {$30000.00} XXXX Finance # XXXX Date : XXXX Amount : {$1700.00} XXXX XXXX XXXX 
# XXXX Date : XXXX Amount : {$240.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$430.00} XXXX # XXXX Date : XXXX Amount : {$440.00} XXXX XXXX XXXX # XXXX Date : XXXX Amount : {$530.00} XXXX XXXX # XXXX Date : XXXX Amount : {$19000.00} XXXX # XXXX Date : XXXX Amount : {$17000.00} I have no knowledge of the following addresses listed on my credit files, I have also reported theses addresses to The XXXX XXXX Sheriff Department, and Federal Commissions Trade Report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX, Florida XXXX