23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2025 PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Acct # XXXX Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt that you claim I owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and have identified fraudulent accounts and inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts and inquiries be immediately blocked and deleted from my credit file : Fraudulent Accounts XXXX. XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} XXXX. XXXX Account XXXX. XXXX Opened XX/XX/XXXX Balance : {$XXXX} Fraudulent Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account and 2 agencies removed it. However Equifax did not and it has severely impacted my credit. 
This account was never mine. I didn't live in XXXX at the time or at the address of the account ever and it is an electric company in the state of XXXX. 
Date of first delinquency is XX/XX/XXXX ( with the collection company, not original debtor who couldn't put it on my credit report. ) Date opened XX/XX/XXXX I have lived in XXXX  since XXXX. 
The original creditor removed it when I proved years ago it was not my debt. 
They sold it to XXXX who continued to harass me for years and on XXXX put it on my credit report. 



Creditor XXXX XXXX XXXX phone XXXX Account number XXXX
Product: Consumer Loan

Midland Funding XXXX XXXX has been put on notice not to communicate with me at my place of business number of times .. I have repeatedly requested all calls to stop, yet they continue to call.. I have put the request in writing as well as verbally requested this many many times..
Product: Credit reporting or other personal consumer reports

" I am disputing inaccurate personal information reported by ChexSystems. My file incorrectly lists my name as XXXX XXXX XXXX XXXX XXXX and an outdated address, XXXX XXXX XXXX XXXX XXXX, GA XXXX. ' My legal name is XXXX XXXX XXXX ' and my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ' These inaccuracies have persisted despite being irrelevant and unverifiable. ChexSystems is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of personal information and respond to disputes within 30 days. I request immediate correction of this information. ''
Product: Debt collection

I had a bank account with XXXX XXXX with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my XXXX XXXX   account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to appeles collection agency in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XXXX of XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call XXXX XXXX  which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX, XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$2900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.
Product: Vehicle loan or lease

In XX/XX/year>, Tesla provided me with a lease quote for $ XXXX through their official online leasing platform after reviewing my credit and financial information. The lease quote specifically stated the approval was valid for 60 days. 

Relying on this quote : I sold my personal vehicle, leaving me without transportation. 

Paid a {$250.00} reservation fee to Tesla.

Proceeded to finalize the lease based on Tesla 's representation.

Tesla later unilaterally raised the payment to $ XXXX, nearly double the approved quote, despite no change in my credit, income, or application details. 

As a result : I have been without transportation for over a week. 

I have incurred more than {$200.00} in XXXX and rideshare expenses just to manage daily life and work. 

I have suffered material financial hardship. 

Additionally, XXXXesla previously caused me a {$4000.00} loss when selling my prior Tesla due to their abrupt and substantial devaluation of used vehicle prices, further compounding the financial impact.

I believe Tesla engaged in deceptive leasing practices and misrepresented the terms of the lease approval, violating consumer financial protection laws.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. In spite of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with a typical life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit document so I might recapture command over my monetary prosperity. I genuinely ask you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue quickly would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Vehicle loan or lease

My loan was paid in full and I never received my gap/extended warranty money from the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with   XXXX   XXXX   XXXX   in early   XXXX    2017. Two weeks after receiving and activating the card   XXXX   XXXX   XXXX   charged me a {$75.00} annual fee. I called and cancelled the card and demanded that they reverse the annual fee since the account had only be open about three weeks. They agreed to refund the fee and close the account per my request. Two days ago,  XX/XX/XXXX , while checking my   XXXX   XXXX    Credit report  I discover that   XXXX   XXXX   XXXX   has reported this account as a " Charge Off '' for delinquency. I have never made late payments on this account and was not notified of by   XXXX   XXXX   XXXX   of adverse activity on my account. All attempts to resolve this problem have be futile.   XXXX   XXXX   XXXX   has blocked online access to account information. Credit card holders do not have an available   XXXX   XXXX   XXXX   customer service email address to report problems through. Telephone phone waits to customer service phone number average about twenty minutes before any one from the company answers the call.
Product: Credit card

I applied for a Southwest Visa through the Southwest website in XX/XX/year>. I never received confirmation that I was approved for the card and was sent to an old address affiliated with my Southwest account. I was never asked to provide a mailing address in the application process. I never received the card and, therefore, neither activated the card or was made aware that it was sent. 

XXXX  charged the annual fee in XXXX and subsequent late fees for the months following. My husband and I only became aware of this card 's existence while applying for a mortgage loan. We learned that our excellent credit score had been significantly impaired by this account that we have never used or activated. The entire balance is fees. 

I have spoken with XXXX to request they acknowledge bank error for the sake of my credit score and they have denied my claim.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint for the negative items of my Credit report. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive had a dispute with XXXX over the wrong item for XXXX  months. XXXX phone calls later they have not resolved it because they can not find my account and I have a screenshot of that uploaded here from photos. Chase closed the dispute despite phone calls and letters XXXX doesnt respond specifically despite many phone calls. Its insane! I complained to the attorney general and everyone ignores that. XXXX is a crooked company which should be antitrusted yet we are expected to pay for merchandise even after requesting a smart label to facilitate return because no-one keeps records and deliberately confuse the issue so youre exhausted and just pay due to the enormous use of time to make a correction or attempt a communication to correct the record. Chase ignores that fact and recharges your account despite letters. We are being abused by a system designed to charge consumers no matter what the consumer does.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$3700.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$9700.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2300.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a letter to NCA, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX XXXX XXXX, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with XXXX and they came back as verified account but did not removed and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, ive reached out to Experian multiple times about inaccurate information that is being furnished on my accounts. The company is reporting XXXX late payments on accounts that are either paid-off/closed and accounts that are open however its current on all payments. 
I brought to their attention how they are violating several federal laws and they still do not care to resolve the problem. They say their investigation has been completed and still feel compelled to furnish such erroneous and frivolous information without properly demonstrating on how they went about their investigation which leds me to believe they did not do such a proper investigation. 
this inaccurate reporting is hindering me from obtaining any credit as well as its defaming my character which is hurting my livelihood. 
they are in violation of 15 USC 1666b and 15 USC 1681b. i would like this resolved immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit files, that indicated anyone who runs my credit report needs to call me and that was n't done and that violated my rights as a consumer. I have reached out to the credit bureau on more than one occasion to advice of the credit being pulled without my permission.
Product: Checking or savings account

I deposited a check for {$8700.00} on XX/XX/XXXX at an outdoor ATM at Wells Fargo Bank on XXXX XXXX in XXXX, Ca. 
At XXXX XXXX on XX/XX/XXXX, someone made unauthorized withdrawals using my debit card information including the pin. 
I called Wells Fargo XXXX XXXX right away and reported the fraudulent transactions. 
They canceled my debit card at that point and a new debit card has been reissued which I received on XX/XX/XXXX. 
A 10 day investigation has been opened on my account as of XX/XX/XXXX. 
Claim # XXXX The fraudulent transactions, totaling {$4900.00} were taken out of my checking account. As of today, XX/XX/XXXX, a provincial credit of {$4900.00} has been added to my account while the investigation continues. 
I filed a police report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX, with deputy XXXX XXXX XXXX 
I filed a claim with FTC on XX/XX/XXXX, claim # XXXX. 
Since filing the claim with Wells Fargo, I have called the claims XXXX XXXX times in the past week, asking for updates and providing what information that I know when asked. 
Today, there is a provincial credit of {$4900.00} on my checking account while the investigation continues. 
I have Unanswered questions to Wells Fargo : How can someone use my debit card without my pin? 
Why wasnt I notified when the fraudulent transactions began? 

We have been loyal and dedicated customers with Wells Fargo for over 25 years. Never once has a situation like this occurred. 

I appreciate any assistance you can offer. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX
Product: Prepaid card

I received a Netspend card in the mail, which included a " prepaid debit card '' with my full name on it. Thinking I was receiving money on a prepaid card, I went to activate the card. In order to activate the card you must give them your SSN. I did, and finished activating the card/creating my account, only to find a {$0.00} balance on the card. 
I did not request this card. I called XXXX to speak with someone, and told them I did not request this card, and wanted to find out why I was receiving it. 
Per Netspend 's Customer Service, I received a card " because [ I ] am one of their POTENTIAL CUSTOMERS '' and they got my information from " Public Records ''. Per the fine print, they are now able to share my SSN with any of their affiliates, even after I am NO LONGER A CUSTOMER. If I am " Inactive '' for 90 days without a transaction, they will beginning charging me {$5.00} per month. 

This company 's " Advertising '' to " Potential Customers '' forces you to create an account and give out your SSN, just to find you've created an account with a company that charges you fees FOR THE PLAN ITSELF, fees per EACH PURCHASE, Fees to WITHDRAW, Fees to RELOAD, Fees to CHECK BALANCE on an ATM, DEPOSIT CHECKS, ands INACTIVITY FEES. 

Per the fine print included with the card, " It is important to Register your Card Account as soon as possible. Until you Register your Card Account and we verify your identity, we are not required to research or resolve any errors regarding your Card Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never communicated with XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 or XX/XX/2022, American Credit Acceptance on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXX that there was a new hard inquiry on my credit report. The hard inquiry was on XX/XX/22 from a company named Elan Financi. I do not recognize and have not made any credit inquiries in almost a year. When I XXXX elan financi it does not come up with any website or number to call and receive support.
Product: Credit reporting or other personal consumer reports

Un-authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX