23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2011 Westlake Services added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Westlake Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately and STOP harassments!.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. XXXX681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX,, a personal loan account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good morning, On XXXX XXXX I spoke with a representative by the name of XXXX XXXX at Mercantile Adjustment Bureau regarding an outstanding balance with XXXX, I requested to pay the prinicipal balance and for all interest to be removed. XXXX was very nasty stated they will only remove half and if I do n't pay it it will continue to affect my credit, at that time I requested EXPLICITLY to not be contacted at this number, he said ok then hung up. On XXXX XXXX I received a call after I put in a DNC from XXXX XXXX at MAB, when picking up the phone I advised him that he is in violation of the request, he said he understood and asked if I wanted information regarding my account or no. He stated the same offer he gave me the day prior, still unwilling to work with me, and also in violation of my DNC request I advised XXXX that I can not accept the offer and that AGAIN I do not wish to receive calls as previously requested and that I may have to contact an attorney, XXXX said " whatever '' then hung up.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXXXXXX Balance : {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

At Wells Fargo Bank, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report Wells Fargo Account PPL XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have Smeller Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well XXXX to Fix this Problem. And Un-fortunately BANK, and XXXX refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK.

I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report that do not belong to me. The first one is from XXXXXXXX XXXX  XXXX with the account number XXXX. The second one is XXXX  XXXX XXXX with the account number XXXX. Third is SANTANDER with the XXXX account number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent on my credit report. I requested to remove. 
XXXX  XXXX. XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX XXXX XXXX report XXXX days delinquent. I requested to remove. 
XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX reported me XXXX, XXXX, XXXX, XXXX days delinquent. I asked to remove. 
XXXX XXXX, XXXX XXXX reporting late payments every month. I requested to remove. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting delinquent on payments XXXX, XXXX XXXX days. I requested to remove. 
XXXX  XXXX reporting XXXX days delinquent on my credit report. I requested to remove. 

these banks are all reporting and violating 15 USC 1681 section 602 section 604a section 2
Product: Debt collection

I am writing to formally dispute and request the immediate investigation and removal of certain fraudulent accounts that have been erroneously appearing on my credit report. These fraudulent accounts are not a result of any legitimate financial transactions, and their presence on my credit report is causing significant harm to my financial well-being and creditworthiness. 
I have attached a copy of my credit report, highlighting the fraudulent accounts in question for your reference. The fraudulent accounts that I am disputing are as follows : DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
DEPT OF EDXXXX XXXX, PLEASE DELETE!!! 
I request that you initiate a thorough investigation into these fraudulent accounts as per the provisions of the Fair Credit Reporting Act ( FCRA ) and promptly remove them from my credit report if they are found to be inaccurate or fraudulent. Additionally, please provide me with written confirmation of the Under the FCRA, I am entitled to a fair and accurate credit report, and these fraudulent accounts are causing unwarranted harm to my credit score and financial stability.
Product: Debt collection

Spire Recovery solutions has been calling me to collect a debt but will not verify who they are working for unless i verify my personal information over the phone. I have contacted them letting them know to ONLY contact me via certified mail, they responded again asking my to verify my social security number. they have also been contacting my sister and my aunt. I am not sure where they have gotten their information but this is harassment. They are asking my family members for my personal information and bombarding them with calls as well as myself. I told them if they did not oblige by my request to only be contacted via mail that I would report them. They say they can not send me mail until I verify my ss # through phone or email. I need this to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine and has been re opened with new information. It was previously reported closed and then reappeared with a different account number associated to my name and derogatory payment history and now open with a {$400.00} balance. This is completely wrong information and the company told me the account was closed and then minutes later over the phone found another account, that I was told I had to pay. Completely fraudulent company and are doing nothing to help me get this out of my name and off my credit bureaus immediately!
Product: Debt collection

Cease and Desist Notice for Account # XXXX To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC cease all communication with me regarding the alleged debt associated with the account referenced above, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that a debt collector stop contacting me, and I am exercising that right. 

Please note that any further communication regarding this matter, aside from a written confirmation of your compliance with this request or notification of any specific legal action you may choose to pursue, will be considered a violation of the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to receiving your written acknowledgment that you have ceased all communications with me regarding this account.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Repeated robo calls for a debit owed by XXXX XXXX, number being called from is XXXX, last call XXXX XX/XX/2019 at XXXX hours, do not know who he is or what he owes but the phone that keeps being called is my telephone number XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my recent credit report and there were unauthorized inquiries made without my knowledge that I did not initiate. I have been violated!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information being reported on my credit report concerning an account with XXXX XXXX ( Account Number : XXXX ). I have noticed that this account has been marked as " charged off '' in XX/XX/XXXX, which is incorrect and adversely impacting my credit score.

To provide context, the account in question pertains to a car lease that ended in XX/XX/XXXX. The final payment for this lease was made in XX/XX/XXXX, and the car was subsequently returned in XX/XX/XXXX. There were no outstanding payments or issues with the account at the time of the lease termination.

I recently discovered that XXXX XXXX has reported this account as " charged off '' in XX/XX/XXXX, which is inexplicable given that the account was settled and closed in XXXX. I have spoken to XXXX, a manager  at XXXX XXXX XXXX, who confirmed that there is no apparent reason for this delayed and incorrect reporting. She advised me to file this dispute as she is not a credit specialist and unable to provide a detailed explanation for the discrepancy.

According to the Fair Credit Reporting Act ( FCRA ), information reported on a consumers credit report must be accurate and verifiable. The current status of my account as a charge-off is neither accurate nor verifiable, considering that the account was fully paid off and closed almost three years prior to this erroneous report. 

Therefore, I am requesting that XXXX XXXX correct this error immediately by updating the account status to reflect that it was paid off in full as of XX/XX/XXXX, with no charge-off status. This adjustment is crucial to rectify the negative impact on my credit score and restore my ability to apply for new credit without undue hindrance.

Please confirm receipt of this letter and inform me of the steps that will be taken to correct this error. If you require any further information or documentation from my end to expedite this process, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as XXXX XXXX Accurate. They never did a fair investigation according to the XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights XXXX times. 

The credit bureaus violated my given rights under XXXX XXXX XXXX.
Product: Credit card

On XXXX XXXX, 2024, XXXX, I called Indigo Master Card, Concora Credit XXXX by XXXX XXXX XXXX XXXX,,, XXXX, XXXX, XXXX, I was on hold until XXXX. Rep XXXX answered. She verified me. I asked what are their XXXX XXXX Fees, their ATM Fees & I asked for their terms & conditions. She couldn't answer my questions. I asked for a supervisor. She rudely said she knew what supervisor would tell me & Interrupted me twice. At XXXX she transferred me to a supervisor, who answered at XXXX : XXXX. 
XXXX, the supervisor, told me they have no Bal transfer Fees, which I think is incorrect information. She said their ATM Fees are, 1 cash withdrawal per day & maximum of {$100.00}, with no fee of their own. She stated the ATM owners charge fees, but wouldn't tell me which ATM networks they use for free. Since she, & her subordinate XXXX didn't seem to know anything, I requested the issue be escalated to someone who could do some research & give me that XXXX. She said she'd escalate the issue to the back office. She couldn't provide me a conf # for escalation, or issue. She said I have to call back in 5 days. I also asked them both how I could get their terms & conditions. I said I had ordered them from their website, but they would be sent via XXXX, which XXXX take up to 30 days to arrive. 
I told her that their company already charged me the anual fee of {$75.00}, but I am not able to use their card since I have no Idea what their fees are, because they didn't Include terms & conditions In the welcome package. She told me to wait! I told her I will report them to the US gov for not providing me this information, or their terms & conditions in a timely manner. The call ended at XXXX
Product: Credit reporting or other personal consumer reports

All reporting agencies and the three credit bureaus have messed my personal address and name and birthdate I have one address it is on file with cfpb along with spelling of name and birthdate.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX I went to take money off my cash app card wasn't able to get the money off, I called a number on XXXX   thinking it was cash app customer service representative where I thought he was helping me get my account back on track but he ended up taking XXXX dollars out my cash app account and XXXX   out my wife XXXX XXXX XXXX account, and XXXX out her cash app account. Cash app sent a answer and questions list for their investigation. It shows where my original email was unlinked to the account. I sent in all information that was asked for the 45 days for the investigation was up on the XXXX of XXXX  not one email has been answered pertaining to my follow up emails.
Product: Money transfer, virtual currency, or money service

Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Company : Chime Product/Service : Chime Account ( Money Transfer ) Complaint Details 1. Summary of the Issue : I transferred funds from my Chime account to an external recipient on XX/XX/year>, but the recipient has not received the money. Chime states that the transfer was cleared, but there is no trace of the funds on the other end. I have verified that the correct account details were provided, and the transfer was completed from my side. 

2. Timeline of Events : XX/XX/year> : Initiated transfer from my Chime account to [ Recipient 's Name/Account ]. 

XX/XX/year> : Chime confirmed the funds were cleared. 

XX/XX/year> : I contacted the recipient, and they have not received the funds. 

XX/XX/year> : I contacted Chime customer service, but no solution has been provided. They continue to claim that the transfer was completed without addressing the fact that the funds have not been received. 

3. Attempts to Resolve the Issue : I have contacted Chime customer service multiple times, providing all necessary details, but they have not resolved the issue. I have also requested a trace of the transaction or further investigation, but no response or action has been taken to date. 

4. Desired Outcome : I would like Chime to investigate the issue, provide a trace of the transaction, and ensure that the funds are either delivered to the recipient or refunded to my account. I expect prompt action and clear communication throughout the process.
Product: Credit card or prepaid card

I disputed charges from an airline about two tickets purchased on XXXX XXXXBoth charges for {$280.00} each were take off while capital one was waiting for merchant to respond. On XXXX I call when both charges were re-billed on my credit card.The lady at capital one said the merchant waited too long over 180 days to respond back, and that I will be getting a credit for both charges.I called back 15 days later to say I haven't received the credit .and was informed the dispute wasn't resolved.They said merchant response was lost in there computer, and that the 90 day rule won't be use.I advised I was going to file a complaint with the CFPB.
Product: Credit card

I have been with affirm for several years, they have NEVER reported any of the good standing completed accounts/payment plans to my credit, however, now I have his a huge snag and got behind and unable to catch up, they are not only refusing to offer me help to get me back on track and start the plans over, however, now that because of it that I have fallen behind, they are suddenly reporting only the negative accounts that they won't help me with to my credit. Based on everything I know if they are going to report the negative, they also have to report the positive which they have never done. I have attempted help on several occasions, they absolutely refuse to help. I have had illness and been in the hospital, as has my husband. We have had a huge hardship because if it, and EVERYONE but the predatory company has offered help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}
Product: Debt collection

The issue is that the XXXX and I have requested over and over the payment history for the yearXX/XX/XXXXand they do not deliver the required documentation so that the gap company can pay, in the mean time they keep hitting me with late fees and calling me sometimes 2 to 3 times a day. They have also reported me to the credit bureau.
Product: Debt collection

They were told to stop calling me, they use number of my state that is spoofed. It shows as spam risk and I told them I will pay when can afford it