23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hired a company to help me with the release of my timeshare, the timeshare Hired Aspen Collections as a 3rd party to collect this debt and I did not authorize them to share my information with a 3rd party. They were sent an order to cease and desist and close my account and instead, they reported it negatively against my credit report. 

I would like for them to remove it from my credit report right away, close my file and kindly send it back to the resort.
Product: Credit reporting or other personal consumer reports

I moved from my apartment complex around the end of 2023, and was charged for non returned device. Original amount was {$610.00} and was then reduced toa balance of {$430.00} because they were trying to charge me for additional equipment that I never owned and disputed the original amount. I left my devices in my apartment complex since there was an on site representative for any concerns we had with our service. Im not sure what happened but the device was lost and reported not returned. Finding this out I agreed to pay for the lost device but now I have a negative report on my credit. I dont think that is fair as I accepted responsibility and agreed to pay for the devices. I have receipts of payment and account numbers. I just dont want this to affect my credit anymore and would like it to be removed. They completed their investigation but did not remove the remark from my credit.
Product: Checking or savings account

I had an checking plus account with " '' B.O.A " '' Bank Of America. On XX/XX/2023 a check was deposited into my account from a friend as a loan. B.O.A gave me a date for which the funds would be available on XX/XX/2023. But on this date B.O.A said my account will be closed and my balance would be mailed out to me. I've called several times and each time I'm getting a different reason on why I haven't recieved my funds. On XX/XX/2023 I went into the Banks Branch and spoke to a Rep. on this matter and was told that I check was mailed out. Lie is what I have told. I called the again on XX/XX/2023 and another Lie was told to.me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft. 
Applying for credit card or accounts, Im in aware of. 
Actions that were taken was not me. 
Hard Inquiries from numerous amount of banks. 
My credit score tremendously has went down. It needs to be disputed please. 
-XXXX XXXX XXXX XXXXSYNCBXXXXXXXX XXXX XXXXSynchrony XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSynchrony Financial -XXXX XXXX. ( IDENTITY THEFT ) please fix!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a complaint about XXXX XXXX with your company back in XXXX and was sent notification that the late payment from XXXX XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my Transunion report, showing a late payment from XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with Transunion is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my transunion was accurate then changed 2 weeks later.
Product: Credit reporting or other personal consumer reports

Thank you for your efforts in removing some of the erroneous entries from my credit file, but there are still items remaining that need to be addressed. This letter serves as another notification of my ongoing issues with incorrect credit reporting. I am disputing these items because they do not correspond to any transactions for goods, services, or financial dealings that I have conducted or authorized. I request the removal of any entries in my credit file that stem from these inaccurate reports : XXXX : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 ======TRANSUNION : XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$5700.00}. These items are unfamiliar to me. Furthermore, the information you have on these items has been removed by other credit bureaus, raising concerns about their accuracy. The payment history of these accounts is also unclear to me, as mandated by FCRA 605B ( c ) ( 1 ) ( C ) regarding the authority to decline or rescind.
Product: Consumer Loan

Contacted by Blackrock Mitigation XXXX stating we took out a loan in XXXX 2012 we 've requested debt validation letter via US mail they refuse. They sent something via emai but is n't debt validation. They contacted employer stated they had a case against them and myself. I did n't even work for this company when this loan as taken out. I do n't even know if thjs is a valid debt of mine. They have been asked both verbally & letter via US mail to stop contacting me until debit is validated. They spoof their number to make it appear they are calling from the local sheriffs office, as well as XXXX county courthouse, they stated they were the XXXX XXXX county XXXX court as well a law enforcement. They told my employer I was evading them which I 'm not I just want to validate this is or is n't my debt. I 'm afraid I 'll lose my job over them calling my employer.
Product: Debt collection

Mercedes Benz is reporting incorrect and/or fraudulent debt information on my credit reports. Mercedes Benz states I owe them {$210000.00} for a vehicle that was vandalized approximately 18 months ago. The vehicle was stored at XXXX XXXX in XXXX California and the vehicle was declared a total lost by the insurance company, Mercedes Benz handled the insurance claim. I do not owe any money to Mercedes Benz.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Fed loan Servicing is reporting inaccurate and erroneous information for six accounts on my XXXX, XXXX, and XXXX credit reports. I am the consumer, the natural person according to federal law, and the only individual who validates an account as accurate. Fed loan Servicing did not have a permissible purpose under 15 USC 1681b ( 2 ), no written/ oral consent to report these alleged items to the credit reporting agencies. Additionally, it is a federal law to provide accuracy of any information item contained on a consumer report. The information is reporting inaccurate date opened ; balance ; last reported ; date last active ; missing payment history which is all a direct violation of state and federal law as well as an infringement of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My name is and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$9500.00} XXXXXXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX  # XXXX {$990.00} XXXX # XXXX {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} I have asked these companies to validate and send proof that these accounts belong to me with contracts I sign in wet signatures. So far they have not done this.
Product: Debt collection

Upon getting a notification from my credit monitoring service I noticed a collection had been placed on my credit report. Vance and Huffman LLC # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX XXXX This collection account has been reported as a past due balance and was opened on XX/XX/2021 in the amount of {$630.00}. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature agreeing to any debt stated.
Product: Checking or savings account

Chase bank has been holding my money since XX/XX/year>, i have a letter from your corporate office stating the funds would be here tomorrow XX/XX/year>, if I dont receive my money I will file suit, call the news and have you guys all over social media by end of week! 

I have several XXXX from the XXXX plus phone calls Ive made saying the funds are approved for release but waiting on back office that no one can talk to. Have documentation stating money is approved and on its way but receive different stores every time I call. Also filed a XXXX report against chase bank in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently discovered that incorrect information remains on my credit report, despite prior disputes. The information in question has been verified as accurate by TransUnion, XXXX, and XXXX, but I have attached evidence that clearly proves it is not. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 609, which ensures the right to correct inaccurate information. 

The attached documentation demonstrates that the information reported is invalid and does not reflect my true credit history. I am formally requesting that this incorrect information be removed from my credit report immediately. Failure to correct these errors is negatively impacting my financial standing and violates federal law.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute Department Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute of Unauthorized Inquiry on My Credit Report Dear Experian Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores.

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history. 

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference. 

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order.

With my prior written consent.

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction.

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order.

With the consumer 's written consent. 

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021, L J ROSS ASSOC 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. 

They did not verify this collection and 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 it belongs to me. 

According to the FCRA, L J ROSS ASSOC has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately.

Account Name : US DEPT ED Account # : XXXX
Product: Checking or savings account

I opened this account with the promise that I would receive a {$300.00} bonus when I completed a required number of direct deposits to the account. I have completed them and the bank is refusing to pay the bonus and is stating that I didn't meet the requriement when I clearly did.
Product: Credit reporting

XXXX XXXX is reporting false information on my credit report and I filed a dispute with Transunion and they claim it was verified. This is totally untrue I contacted customer service for transunion and they told me to contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. 

They are also stating the date they supposedley bought the alleged debt as the date the account was created. But according to their own records it was bought from another creditor, so the date they aquired it can not be the date the account started. I filed a dispute with XXXX as well and in that report they said the original date of deliquency is XX/XX/2010. I have attatched my credit report with XXXX after their investigation. And if both accounts came back as verified with different information, how can they possibly BOTH be accurate? 

XXXX XXXX is not my creditor.Equivalently, to be excluded as a debt collector, the debt would have to not have been in default when acquired. FDCPA 803 ( 6 ) ( F ) ( iii ). 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). 

Not being a creditor, I have no credit account with XXXX. I do not receive monthly billing statements with due dates upon which to report a delinquency in payment.This reporting my account as " Past Due '' " over 120 days late '' and showing a Monthly Delinquency after the date XXXX purchased the debt from is clearly improper. 

If I do have a contract with XXXX XXXX, please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. And also please provide the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX XXXX which defines what " verification '' actually is. 


The term " verification '' is defined in XXXX XXXX XXXX XXXX Edition : " Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' The term " verify '' is defined in XXXX XXXX XXXX XXXX Edition : " To confirm or substantiate by oath or affidavit.
Product: Debt collection

I had never done business with XXXX XXXX XXXX. This is an account as a result of identity theft, therefore needs to be removed. 

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of any information on my credit report that does not match my current personal details as follows : Name : XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Please remove any and all addresses, names, or other identifying information that do not correspond to the details provided above. Ensuring the accuracy of my credit report is critical, and I kindly ask that you update your records to reflect my current and accurate personal information. Please confirm in writing that these updates have been made or if additional information is required to process my request. Thank you for your attention to this matter.
Product: Checking or savings account

On XXXX XXXX XXXX at around XXXX XXXX  I went to the Wells Fargo ATM. This was the particular Wells Fargo address : XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I am a bartender and deposit my cash tips regularly. When I deposited my cash at the ATM, the bank froze and all I saw on the screen was that it stopped counting at {$470.00}. After a few minutes, the ATM popped up with an error message and the only option was a continue button. The ATM didn't deposit the cash into my account or spit my money back out. I called the bank while I was in front of the ATM drive thru, because I was nervous to leave my spot without my money and cars behind me. The workers on the phone advised me to come inside. I talked to the branch XXXX of this bank and she told me she could not open the ATM since the ATM is accessed through a third party. She told me she would make a claim for me. This is her address : XXXX. She told me it would take XXXX business days to be resolved. On XX/XX/ at around XXXX XXXX Wells Fargo messaged me claiming that an error did not occur. I immediately called Wells Fargo claim assistance saying this has to be a mistake. Not only did my money have to be in there, but I am also on camera. The lady I talked to on the phone asked why I didn't file a police report, and I responded I didn't know I had to. All Wells Fargo did after this was open the claim back up for further investigation, and filed a complaint against this branch. While I was crying on the phone, I was also told I might not ever get my money back. The second claim is still open, and I haven't heard anything about my money yet. I feel like this is unacceptable, and I deserve to have my tips I earned back.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXXXXXX XXXX XXXXXXXX Also Known As : XXXXXXXX XXXX XXXXXXXX Former : none Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( es ) : NONE Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to once again inform the CFPB of Wells Fargo not properly disputing my claims, refusing to give a legitimate answer with proof that backs their claims over mine.