23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, {$530.00}, I have contacted XXXX XXXX XXXX several times requesting proof of a debt for several years and I have been told it is my responsibility to prove I do not owe the debt. I have not had service with XXXX XXXX XXXX for over 10 years, however, the company is reporting service with them as early as XX/XX/XXXX. I have written a dispute to the credit bureau-XXXX-with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 and XX/XX/18 I sent in 609 letter asking XXXX  to validate the bankruptcy that is being reported on my report on XX/XX/18 and XX/XX/18 I was sent a paper stating they would not remove the inaccuracy nor would they allow me to dispute the information with them again because it had been verified, not once have I been given the paperwork showing where, when or how this was validated. I contacted the Bankruptcy court and received a letter back stating they do not provide information to credit reporting agencies, the only way they will validate this is if someone comes into the court office and review records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting a account that do not belong to me XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Please remove all listed accounts from my credit report. In accordance with the Fair Credit Reporting act 15usc 168 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for consumers rights to privacy. XXXX, Experian, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared, which is backed by 15 UC6801 which states it is the policy of the Congress that each financial institution has enough a formative and continuing obligation to respect the privacy of his consumers and to protect the security and confidentiality of those customers non-public personnel information. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX account XXXX, XXXX XXXX  account number XXXX ( which I received my 1099C ) XXXX  account number XXXX, XXXX account XXXX. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 ( AN ( 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. XXXX, Experian and XXXX whether be verbal nonverbal, written, implied or otherwise is revoked. 15 USC states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that Nondisclosure option. Experian, XXXX, XXXX never informed me of my right to exercise my nondisclosure option. Also please remove the Following Non-Mailing Addresses listed on the reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. XXXX, XXXX, and Experian are not maintaining reasonable procedures 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid voilations of section 1681C of this title into limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. 12 CFR 1016.7 also states that a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.. If your company fails to comply, you will be required to appear in a court venue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to publish inaccurate information They were provided with a police report and various statements. Drivers License and Social Security card. I have continued to dispute various credit which was covered by identity fraud. I have never lived in Georgia. XXXX XXXX accounts are not mine.
Product: Mortgage

My previous home was sold on XX/XX/2020 and the mortgage with Homebridge was paid off. We received a letter of satisfactory. 6 months later Homebridge continues to report to all 3 credit bureaus that the account is open. This has affected my lifestyle and family tremendously as it shows that I have multiple homes and mortgages and it has negatively impacted me & my family. Ive attempted multiple times to resolve this with Homebridge and they continue to say to dispute it with credit bureaus instead of updating the account status. Ive requested to speak to a supervisor and Im denied to speak to one at the moment and told a request is submitted and I have to wait an unknown amount of time to receive a call back. I have yet to receive one.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request your assistance regarding two late payments linked to my account with American Credit Acceptance that have negatively impacted my credit report. The late payments, dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, occurred during a time when I was unable to manage my finances due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XXXX : XXXX ). 

During my XXXX XXXX  XXXX, who was entrusted with my care, took advantage of my XXXX XXXX His irresponsible handling of my financial obligations led to missed payments, which I was unaware of at the time due to my XXXX XXXXXXXX As a result, these late payments are disproportionately affecting my credit score and my ability to access essential tools and services necessary for my XXXX XXXX XXXX 

I understand the importance of maintaining accurate credit reports ; however, I believe that the circumstances surrounding these late payments warrant reconsideration. Given the significant impact on my financial well-being, I respectfully request that these late payments be removed from my credit report. 

Thank you for your attention to this matter. I appreciate any assistance you can provide and look forward to your prompt response.
Product: Debt collection

I have reached out to this company several times and still have not received a response. The company has not sent verification or debt or the original owner information.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this companies, i never applied for this. I believe that somebody used my personal information and applied for this companies.
Product: Payday loan, title loan, personal loan, or advance loan

I booked a hotel through XXXX and used Affirm to pay for the accommodations on XX/XX/year> at The XXXX XXXX XXXX XXXX XXXX. Upon arrival at the hotel, me and my family were disgusted of the cleanliness and condition of the hotel room. We decided not to stay at the hotel and the hotel manager gave me a full refund as well as a bill ledger showing the refund to the original form of payment. I contacted and bought XXXX and Affirm regarding the cancellation of the accommodations and the refund starting XX/XX/year>. I also sent bought companies all the evidence showing the full refund. Affirm is still showing that I owe the amount and overdue on my account and on my credit report. I feel that I should not owe this amount to Affirm since I canceled the accommodations and the payment was refund back to the credit card that either XXXX used or Affirm used to pay the hotel. 
Please help me with this issue, since bought companies are reluctant to resolve this issue. Thank You in advance.
Product: Vehicle loan or lease

I received a letter from Capital One Auto Finance XX/XX/2023 for a loan for 72 months, monthly payments {$670.00} and first payment due XX/XX/2023. I reached out to Cap One on XXXX and had to leave a message. I waited the XXXX hours it said but no one called me back. On XXXX someone reached out to me to let me know that I needed to fill out some documents and file a police report before they would start an investigation. They will not accept the documents via email. They will only accept them via fax or regular mail. This loan was taken out in XXXX, and I have lived in southern Indiana over 30 years. I feel as if Capital One did not do their due diligence at the time this loan was given for proof of identification.
Product: Checking or savings account

XX/XX/XXXX. SUNDAY. XXXX. WHEN I TRIED TO OPEN A NEW ACCOUNT WITH YOU WITH MY NEW NAME YET ANOTHER EMAIL ADDRESS AND MY NEW PHONE NUMBER THAT I HAVE CHANGED SEVERAL TIMES BECAUSE OF IDENTITY THIEVES AND NOT BEING HELPED I WASN'T ALLOWED SO I HAD TO REVERT TO MY VERY FIRST EMAIL ADDRESS I DON'T LIKE TO USE BECAUSE OF THE IDENTITY THEFT ISSUES I AM STILL HAVING TO THIS DAY. 

MY COMPLAINT IS AGAINST CHIME REFUSAL OF NOT ALLOWING ME TO CANCEL MY ACCOUNT OF WHICH THEY HAVE MY SOCIAL SECURITY NUMBER AND I KNOW FOR A FACT I AM BEING USED FROM THE PAST TWO JOBS WHICH WAS CALL CENTERS REGARDING XXXX XXXX XXXXXXXX AND NOW XXXX BOTH THROUGH AND XXXX XXXXXXXX XXXX XXXX RIGHT HERE IN XXXX XXXX NEVADA I NO LONGER EMPLOYED MYSELF WITH THESE INDIVIDUALS WITH THIS COMPANY FOR THE SIMPLE FACT THESE TWO COMPANIES FEEL LIKE THEY CAN TAKE YOUR PHONE OUT OF YOUR LOCKER THAT THEY HAVE A SIGN AND STEAL YOUR INFORMATION NOT ONLY THAT THEY STEAL YOUR FOOD NOT ONLY THAT THEY COME IN YOUR HOME.

SO I DID NOT WANT TO BE AFFILIATED WITH THESE PEOPLE WHATSOEVER NOT ONLY THAT THEY ARE TRYING TO STOP ME FROM BEING ABLE TO WORK ANYWHERE ELSE AND TAKING MY RESUME AND PUTTING IT ON SOMEONE ELSE. 

WHEN I SPOKE TO THE INDIVIDUALS THAT ARE EMPLOYED BY THESE PEOPLE THEY MAJORITY HAVE CHIME BANK AND THEY WERE COMING AT ME AS IF I AM A PART OF CHIME BANK WHICH I AM NOT AND WAS MESSING WITH THE BANK I HAVE AS IF IT WAS CHIME BANK. 

I AM REQUESTING THAT THESE PEOPLE REMOVE MY INFORMATION REMOVE MY SOCIAL SECURITY NUMBER I AM REPORTING THEM RIGHT NOW AGAIN NOT ONLY TO YOU BUT I'M PUTTING THEM ON THE XXXX XXXX XXXX REPORTS THAT I HAVE BEEN REPORTING TO REGARDING THE IDENTITY THEFT MULTIPLE ISSUES THAT I ENCOUNTER BECAUSE OF XXXXXXXX XXXX NOT ALLOWING ME TO HAVE MY STOCKS MUTUAL FUNDS AND MONEY MARKET ACCOUNT THAT I BUILT AS AN EMPLOYEE BUT THEN THEY MADE ME LEAVE AFTER I BUILT IT IN THE YEAR XXXX AT THE END OF XXXX SO THAT MAKES 24 YEARS OF MY LIFE BEING TORMENTED WE'RE NOT EVEN GOING TO COUNT THE YEARS BEFORE THAT. 

HOWEVER I WANT THESE PEOPLE OFF ME I AM REPORTING THEM ON MY XXXX THAT I HAVE BEEN ACKNOWLEDGING DIRECTLY TO XXXX XXXX XXXX XXXX SINCE XXXX WITH MILLIONS OF VIEWS AND OF COURSE I DON'T SHOW THE VIEWERS YOU DON'T KNOW WHAT I HAVE BUT I HAVE PROOF I HAVE MORE THAN MILLION VIEWS SHOWING WHAT'S BEING DONE.
Product: Money transfer, virtual currency, or money service

I had a deposit date to my chime bank from the XXXX on XXXX XXXX of XXXX my money is not on my account and until this day it's still not on My account I want to know where my money went who has it i have kids i have yo take care of school is here and i don't have anything for them I'm a single mom this hurts me to know my money has been taking from me
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT HOMEBRIDGE XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. 
Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

I did not sign any contract with the XXXX and when I cancelled my service they asked me to pay the penalty for breaching the contract which I never sign so the ... .I am willing to pay the dept if they have any proof that I owe them this money ... .thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT ACCOUNT NAME : XXXX XXXXXXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$200.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Highest balance $ XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer, I am now Opting Out of Any and All authorization I the consumer may have given you written or non written, verbal or non verbal per 15 USC 6802. I would also like too add 15 USC 1681, all the 31 address on my credit report needs to be removed. The XXXX XXXX is disclosing my utilization which is private information with that being said that is considered violation of my privacy which is 16 CFR 433.3. I'm not closing any accounts just want to update my credit report. It is a {$1000.00} fine for each violation. There seems to be many on my report.
Product: Credit card

I received an email in early XXXX from Wellls Fargo that I owed a payment. I looked on Wells Fargo online account and saw that the balance on my card was zero so I called Wells Fargo. I had an account with WF in late 2023 that was closed this credit card ended in XXXX. I reported fraud to Wells Fargo XX/XX/XXXX. The charges are still appearing on this closed account. In fact Wells Fargo decided to send me a new card on a closed account. All my calls with Wells Fargo have done via relay and it is really difficult to try to work with Wells Fargo on XXXX calls. They still can't / won't tell me how charges were made to a closed account ending in XXXX
Product: Bank account or service

A XXXX Bank check was provided for start-up costs for XXXX. The funds were held as a balance by Chase Bankers. After four days, the {$2900.00} check sum was transferred to available balance ( ON HOLD ). On the XXXX of XXXX, the account was frozen ( ATM use, web sight transfers, and credit/debit card use ). I called the customer service Chase Bank department. The representative informed me that the check was returned by XXXX Bank as FRAUD. In stead of zeroing out the balance, stamping the check with fraud, and putting in the folder with the other XXXX fraudulent checks deposited by people, a human being at J P Morgan Chase Bank chose to attempt embezzlement of my funds : {$640.00}. They withdrew the check balance from the account. The account is still frozen. The funds for last and this month 's rent, which were from an life insurance account transfer, have been unlawfully seized!
Product: Debt collection

I have been receiving bills from both the Army and Airforce Exchange and XXXX XXXX XXXX regarding debts on a XXXX XXXX Credit Card and a " Take it home Today '' Joint Loan with my spouse. Correspondence started in XXXX or XXXX 2017, and both companies have conflicting amounts listed as owed. It almost seems as if they are both trying to collect different amounts for the same debt. 

In addition, I sent them written correspondence in XXXX of 2017 requesting validation and proof of the debts as I had paid significantly more than what they were listing as owed. I received no response, only continued collection letters from BOTH companies. They recently took both my wife and my tax return from this past year ( in excess of {$9000.00} ) yet, there is still significant balance owed according to their website ( $ XXXX, and $ XXXX ). They only show the payment from my tax return on their site, but show no application of that tax return towards the balance of either debt. They also sent a letter of intent to garnish my wife 's wages for a debt of $ XXXX. 

I am a XXXX XXXX XXXX veteran who has been unemployed for over a year now. I have not been successful in obtaining any employment over the past year. My family and I rely on food stamps and school assistance to fee our children and my wife 's income is well below the federal poverty level. We can't get double food stamps when these crooked companies garnish my wife wages and she makes less than minimum wage ( which ill be the result of any wage garnishment. ) I would hire a lawyer, but they cost money, and that is obviously something that we do not have at the moment. Any assistance would be greatly appreciated.
Product: Debt collection

This is not my debt it is supposed to from XXXX XXXX XXXX. I have no knowledge of this account as I have had a att cell phone open active and current for over 20 years. I sent this company a debt validation letter and it was removed from my credit report only to reappear a month later. The first notice I received of this so called debt is when it appeared on my credit report, no letter or phone calls.