23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Collection Account for XXXX XXXX XXXX XXXX Dear Equifax, I am writing to formally dispute a collection account reported by [ Collection Agency Name ] on behalf of XXXX XXXX XXXX XXXX. I have never lived at nor had any association with XXXX XXXX XXXX XXXX, and I am unfamiliar with its location. This account is not mine and is fraudulent. 

My personal information was compromised in the Equifax data breach and the XXXX XXXX XXXX XXXX XXXX XXXX both of which exposed my sensitive data to unauthorized use. I believe this fraudulent account was created as a result of these breaches. 

Additionally, my research on the XXXX website shows that this collection agency is not legally authorized to collect debts in the state of Arizona, where I have lived all my life. 

Their attempt to collect on this account is therefore illegitimate and violates state laws. 
Under the Fair Credit Reporting Act ( FCRA ) 611, I request that you investigate this matter and permanently delete this fraudulent collection account from my credit report. 

Please confirm receipt of this dispute and notify me promptly once the investigation is completed and the account is removed from my credit report. Thank you for addressing this matter with urgency. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

This account is closed as of XXXX have reported late payments every month to be credit reports for the last 4 and 1/2 years. I do not have this vehicle. When calling this company they refuse to connect me to an associate they refer me to a collection agency that NEVER answers the phone. If I'm being referred to a collection agency anytime I call WHY IS THIS ACCOUNT STILL OPEN ON MY CREDIT REPORT. Its been referred to XXXX XXXX so why is this still open? No one at credit acceptance will speak to me and I can not contact anybody at XXXX XXXX. This needs to be placed as a repo or closed account. To report to my credit every month as a missed payment is outrageous when I do not have this vehicle.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, Wellsfargo removed all the money in my checking and savings account. I called right away when I realized my account had been closed. I was told that I was no longer allowed to have a po box as my physical and address and because I hadnt updated my address, they closed my account. WellsFargo claims they had sent mail informing me of needing an address update, however, I never received any of these letters. WellsFargo is mailing my XXXX XXXX dollars to me by mail in an uncertified check, to an address I told them I would not be at for at least another month. I have requested that they put a stop to that cancel and reroute it to the physically address that I am currently residing at or to allow me to pick up the check at a local branch. I have bills that are due within the next week and need my money available to me before then. WellsFargo has continually given me minimally information as to what is going on, whether they are going to stop the check or not, let alone provide me any solutions as to how I can get my money in a timely fashion. I called WellsFargo again this morning ( XX/XX/XXXX ) for an update on the process and I still havent been able to get a clear answer. I have opened up a case within WellsFargo and the assigned case manager overviewing the details of the situation said a solution could take up to 15 business days, which simply wont suffice as I have bills due prior. There has been no foul play or fraudulent behavior on my behalf. I am simply looking to collect my money as quickly as possible so I can open up a new bank account, pay my bills, and feed my children.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXXXXXX XXXX in  XXXX, Ca sent a wire transfer to Wells Fargo Bank XXXX XXXX XXXX XXXX Tx. in the amount of XXXX XXXX the recipients did not receive the wire money. On XX/XX/2022 another wire was sent out for XXXX the recipients received the money and a recall was filed with Wells Fargo to return the wired money sent out on XX/XX/2022. Wells Fargo refused to return the wired money after a number of requests by XXXX Bank. The recipient account number had one number too many is the reason the recipients did not receive the wired money on XX/XX/2022 Wells Fargo failed the responsibility to return the wired money sent out on XX/XX/2022 as of today. Wells Fargo is refusing to return the money/
Product: Credit card

Overcharged by credit card issuer- Chase Bank , credits improperly posted as a debit rather than credits. Spent over 8 hours on the phone. The bank owes me money.
Product: Debt collection

My credit card was used in XXXX when I am not in the country me and my family was out of country from XXXX XX/XX/XXXX .I came back in XXXX XX/XX/XXXX XXXXAfter some time I received calls and notices from debt collectors I wrote to them that this is not my debt I want to start the dispute because this was happened when I was not in the country. 
Original creditor HSBC Original creditor account number XXXX Date of charge off XXXX XXXX Current owner of account XXXX XXXX XXXX XXXX Current balance {$7900.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report.

The following late payments are reporting inaccurate and therefore need to be reinvestigated.

Inaccurate late payments and incorrect and incomplete information XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX Account Number : XXXX Update to Open/Never late XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS TRUWEST XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MORTGAGE XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute an unauthorized item on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). According to this section, it is illegal to report information on my credit report without my permission or that is the result of identity theft or error. 

The item in question is : Creditor Name : CITI CARDS/CITIBANK Account XXXX : XXXX Date of XXXX This item has been placed on my credit report without my authorization or involvement. As per Section 605B of the FCRA, I am requesting the immediate removal of this item from my credit report. 

I request that you investigate this matter promptly and provide written confirmation that the item has been removed from my credit report. Please also send me an updated copy of my credit report reflecting the removal of the disputed information. 

If you have any questions or require further information, I can be reached at XXXX Thank you for your prompt attention to this matter. I look forward to your resolution within the XXXX time frame as required by the FCRA. 

Sincerely, XXXX XXXX
Product: Debt collection

Harassing calls. I dont even know where this debt came from .
Product: Credit card

I have an account with Macy 's and am being harassed by them. I have written XXXX letters to their credit department contesting late fee charges which have been charged to my account after I paid the balance. This has happened to me since XX/XX/XXXX. They are now calling multiple times a day. I have caller ID and therefore know who is calling me. 

I want their calls to stop and to have the late fees removed from my bill. It strikes me as an illegal and unethical practice to charge customers a late fee compounded by the next month 's late fee after a payment has been made. My account is paid in full and yet they continue to hound me.
Product: Money transfer, virtual currency, or money service

Venmo deactivated my account on XX/XX/2024 they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo XXXXont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX XXXXnd XXXX, XXXX app Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home is I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines
Product: Vehicle loan or lease

1099a was sent to company to show the debt to be satisp
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights by reporting late payments to my consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthmore, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to their website : XXXX XXXX XXXX Equifax " ... believe that your personal information may have been impacted by this incident. '' Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk for identity theft. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX These companies have violated my rights 15 U.S.C 1681 section 602 A .States : i have a right to privacy.

15 U.S.C 16881 section 604 A. section 2. : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 C. ( A ) ( 5 ) section states : No consumer reporting agencymay make any consumer report containing any of the following items of information and any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has resonable cause to believe that the information is inaccurate
Product: Debt collection

I reached out to Portfolio Recovery to ask for a debt validation for this debt that has shown on my credit report for years. I did not refuse to pay, I simply ask that this company could send me viable proof that I lawfully owe them anything related to this debt. I did hear back from the company on with a letter dated XX/XX/XXXX. They provided notice that verifies ( not VALIDATES ) the debt owed. I received a second notice, days later that included the statements from the " original '' creditor and a letter stating that this debt collector now owns the account ( debt ) that has been purchased from the original creditor, dated XX/XX/2016. First, the information that I received is insufficient and does not provide viable proof that I owe them a dime. There is no signed contract between myself and this company, there is no invoice... only a statement was included and there is no account information that proves to me that I am responsible or obligated to pay this debt. These false and misleading actions have place this company in violation of many US codes, in which I have attached. This account has been on my credit report for years. First, according to Title 15 US Code 1692, I am the original credit and this company has admitted to purchasing this debt, therefore, it is theirs, not mine. I never, ever signed an agreement to pay this company anything. This false information is a case of identity theft as this company is claiming to be something they are not... .the current creditor. This account has been on my credit report for YEARS and has ruined my credibility. These false and misleading actions taken by this company has damaged my reputation, caused me to lose money in higher interest rates and also cause employment and housing issues. I am a single mom with children who works hard to keep my credit secure and this issue has caused much stress and grief. I have recently interviewed therapists in order to choose someone to assist me with the stress this has caused as it has damaged my mental health. These debt collectors are purchasing debts that have already been written off by their clients for pennies on the dollar and then coming after innocent citizens to wreak havoc on our lives and cause emotional and mental strain. The nature of this debt is fraudulent as I don't owe this company a XXXX dime. I have never had an agreement to pay them anything. There is no contract between us on file and they have been insufficient in providing the validation that I asked for because IT IS NOT REAL!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed, mailed, and called XXXX XXXX XXXX regarding payments on my account that were deffer ed and under forbearance, they were NOT LATE. I have proof via email from XXXX to show that I was approved for Deferment due to still being in XXXX XXXX. 

I have try to reach out to XXXX, and Transunion several times, to dispute this error which shows a late payment of 120 days. I have sent over proof to both company 's including XXXX to take off the late payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which are false because I had already gotten the student loan deffer ed and I have proof via email, still nothing has happen and the late payments still show.

Please remove these late payments off my credit report from XXXX. The months that are showing this are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

I am attaching proof of this as well. Thanks again
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XXXX is an incorrect amount
Product: Money transfer, virtual currency, or money service

I was charged by Bank of America an incoming wire transfer fee when it was already paid for by the outgoing bank. They are not helping me with this saying its always a fee charged whenever incoming transfers are there but the fee was already paid from the other bank. This is solely the problem from BoFAs system. 


These are the dates of my wire transfer fee taken by BofA which were already paid for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I would like to dispute some inaccurate information entered on my credit report. On XX/XX/2019 my vehicle was repossessed with no fault on my end. I was never notified about the 2nd month late payment on my account. I would like to request for this notation on the repossession removed and excused from my credit history report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy discharged filed on XX/XX/2013 # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ( A ) ( 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.
Product: Credit reporting or other personal consumer reports

I received a notification from Experian that a hard credit report was inquired by XXXX XXXX on XX/XX/XXXX for a bank credit card. I did not apply for any new credit and believe this was an act of identity theft. I have already spoken with XXXX XXXX who confirmed someone tried opening an account in my name. 

This is the second time in roughly 6 months that I have suspected identity theft. On XX/XX/XXXX, I received a XXXX debit card ( card number XXXX XXXX XXXX XXXX, exp XX/XX/XXXX ) which had been open in my name fraudulently. XXXX was also made aware and cancelled the account.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  in charge care of children in our school Im in the process of purchasing a house and this debt is preventing me from doing so. I dont have a contract with this company nor have I ever done business with them. Please have them remove their collection from my report. Thank you for your help in advance.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$1300.00} from my XXXX acct to PayPal acct via mobile phone the deposit never occurred n when I followed up with PayPal they said the money transferred to another account with the same phone # as mine and they can not do anything about it. I have filed complaints with FDIC on XXXX only as they do not have jurisdiction on PayPal. I have numerous internal complaints with PayPal n both banks blame each other n take no responsibility in resolution its been 2 months now???
Product: Credit reporting or other personal consumer reports

I am submitting a follow up today to inform you that I have been a victim of fraudulent activity. I have filed a report of complaint to the Federal Trade Commission ( FTC ) website at XXXX XXXX XXXX According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within XXXX business days of receiving the report.