23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, An unknown person opened an account with XXXX XXXX using information that wasn't even close to mine. The {$160.00} was sent to collections after nobody paid. XXXX XXXX was negligent in not verifying information and responsible for this entire situation. 
On XX/XX/XXXX, Jefferson Capital assumed the account for collections and never sent me anything via mail. They called but the calls were suspicious and I thought it was Phishing Scam. 
In XX/XX/XXXX, I reviewed my credit and discovered this account had significantly impacted my credit score by negative 300 points. I disputed the account and it was deleted from my credit history. We have continued to receive mail and phone calls from Jefferson Capital regarding this account that has been verified as a fraud. Jefferson Capital has since passed the account to XXXX XXXX XXXX. I have spent at least 10 hours trying to have this account removed from my life and yet it continues to reappear despite XXXX XXXX acknowledging it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In past XX/XX/2022 I purchase some crypto coin from XXXX from my chase acc and transferred it to a trading platform resulting in a scam who steal my money. In the letter you can read and see all the details.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following multiple entries of student loan IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXXXXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX,
Product: Credit card or prepaid card

After doing a minor audit I found a fraud charge when I reported it to the credit card company my claim was denied with in 24 hours I dont think this is far as how can they investigate something that fast. I was defrauded and it seems like Barclay Rci elite reward is protecting this merchant instead of me as a customer.
Product: Debt collection

Called and said they work for CBE. Got sensitive info from me. I believe I was scammed for my business info
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

{$300.00} reported in my credit XXXX XXXX XXXX account of a XXXX XXXX problem i have XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This request is crucial for resolving consumer concerns regarding personal financial details, account discrepancies, or questions about financial products and services. By gathering and confirming this information, we can offer precise answers, address issues efficiently, and protect consumers from possible fraud or identity theft.
Product: Debt collection

XX/XX/XXXX XXXX Account was transferred to XXXX. The phone number XXXX XXXX had was not in use any longer they kept billing me, when I went into the store in XXXX XXXX I was assured that I would not be charged any longer and if I was it would be cleared on the account since it was not a working number and it was closed. 
Now as of XX/XX/XXXX I receive a collection bill from TSI XXXX for an account that was closed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to both Equifax and XXXX XXXX regarding some accounts that are reporting in error on my credit report. They have refused to provide the requested information
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Product: Checking or savings account

I am missing money CD 's XXXX, XXXX, XXXX, total {$75000.00} then I am missing that check see attachment for {$50000.00} Citi Bank cashed my check XXXX. The Citi Bank has my money in they do not want to tell me. See attachment last bottom page What would be a fair resolution to this issue? Please get my money back
Product: Debt collection

Pleased see attached documentation from original and now closed complaint XXXX. Citicard sold the debt to XXXX XXXX XXXX on XX/XX/2019 without notifying XXXX that the debt was the subject of a CFPB complaint. XXXX has sued me through their lawyer XXXX XXXX XXXX for {$2600.00}. XXXX has served me at my mother 's NJ address, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I live in XXXX, XXXX and have a XXXX residence card that proves this residency. In addition, XXXX XXXX certified in docket number XXXX of XXXX County Court, Special Civil Part that the matter in controversy was not the subject of any legal action. This certification was and is false. 
Citicard was negligent or worse in selling a debt to XXXX that was the subject of a CFPB complaint with no disclosure to the buyer. XXXX and XXXX XXXX XXXX have falsely certified to the XXXX County Court that the matter in controversy was not the subject of legal action and sued without proper service, in violation of New Jersey Civil Procedure 4:4.4 ( see attached extract ). I have duly notified Faloni Law and the XXXX County Court by certified mail and by uploading documents to the court 's XXXX system with a Notice of Motion to Vacate, previous CFPB complaint documents, copies of my XXXX residence card and marriage certificate proving my XXXX residence.
Product: Credit reporting or other personal consumer reports

I am writing to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these questionable accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've been using american express serve for several years. Earlier this year me and my significant other both became unemployed due to coronavirus pandemic. Her claim was under investigation for some time and finally in XXXX she was awarded back payment for the prior months she wasn't paid. Since she has no bank account at the time we decided to just use my amex serve account to have the funds direct deposit into my account. We were both unaware that was a violation of terms. American express allowed the direct deposit. I even withdrew {$2500.00} the following day. The next day when I tried to log into my account with no success I call them and they inform me that my account has been suspended permanently for violation of terms and I have no access to the remaining funds in my account which were roughly a little over {$1500.00}. They said they will not release any remaining funds until I provide them with a letter of indemnity from the issuing bank. Well for anyone who doesn't know it is pretty much impossible to speak with anyone at the unemployment office in Kentucky right now because of the surge in claims due to the Coronavirus. My girlfriend and I both have tried to contact the unemployment office to explain to them the situation and have had no success. We just want our money back. We have already been served with an eviction because we haven't been able to afford rent.
Product: Debt collection

I cancelled my insurance months ago by sending written communication to State Farm ( both via their online messaging system and direct email ). This car insurance was as a result formally cancelled on XX/XX/2019. However, I have had payments paid beyond this date. I have asked State Farm to refund the extra payments, but they have failed to give me either a simple billing info or refund. 

State Farm should understand thy should respect customers time. I have received numerous phone calls during working hours from multiple people trying to market their service, while I clearly responded back to them that I have cancelled my service and am not inserted. Instead of addressing my request to refund, they keep providing vague responses which is clearly disrespectful to customer demands.
Product: Debt collection

ARS Account Resolution XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$310.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Debt collection

On XX/XX/XXXX, my fianc and I each received a letter from Finance System of Green Bay Inc. stating that we owe a debt of {$1600.00} from our previous apartment. I sent them a letter stating that we were not aware we owed any money to our old landlord, XXXX XXXX XXXX. XXXX XXXX threatened to sue us two months after we moved out, via phone call from their lawyer, XX/XX/XXXX, for a balance they said we owed. I told them we didnt owe the debt. That was the last time we heard from them, ever. We have been waiting for XXXX XXXX to send us papers for 3 years and the first time we have heard about this debt was just recently. Finance of Green Bay sent us a response of the itemized statement, rules and regulations and lease we signed that we received on XX/XX/XXXX. They called a few weeks later, sometime before mid-XX/XX/XXXX, and I told them we would not be paying this because we had planned on fighting it. I have all of my documents I got from XXXX XXXX  and the voicemail threatening to sue us. Since the debt was taken over by a collector, I cant fight XXXX XXXX. Finance of Green Bay is not who we have a complaint with, its XXXX XXXX  we have the issue with and dont feel as though we owe Finance of Green Bay anything since we werent made aware of our debt before it was grabbed by a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 accounts that are on my credit report that do not belong to me I have not authorized signed or used these accounts I need them off my credit asap!!!! 

I have been disputing these since XX/XX/XXXX - Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I'm going through a really stressful time due to First XXXX Bank. I had a dispute with the bank and their agreement said all disputes need to be handled through arbitration and now theyve failed to respond to arbitration and not only are the in Breach of contract but it seems the arbitration court says they will not be hearing any case for first bank which indicates that the bank is in breach of contract with each and every customer they have. Now Im unable to get approved for a home loan or refinance my home, this has caused me to lose thousands of dollars and real estate opportunities. I have had to suffer tremendous XXXX and loss of sleep. I've suffered huge emotional stress. I don't have any credit freedom due to this issue. Ive been unable to sleep, lost appetite as a result of my financial ability being destroyed by First Bank negligence.
Product: Credit reporting or other personal consumer reports

Following my previous request for an investigation into accounts with erroneous information, I have reviewed your response and noted that some accounts still inaccurately display a " verified '' status. I request that you correct the information for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00}. In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I kindly request to be notified upon the update of these items. Once these corrections have been made, please send an updated copy of my credit reports to my provided address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ( Account # XXXX Name - XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX Auto XXXX, ) ( Account # XXXX Name XXXX XXXX XXXX ), ( Account # XXXX Name - XXXX XXXX XXXX ) and 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

There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX  - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent more than 5 letters to XXXX and all 3 credit companies asking to remove a debit that is not mine. XXXX has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says XXXX has certified that it's mine and they keep reporting it. 

I am sending the same proof I've sent to all 3 companies to show this is not my debit. 

So how could it be certified?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX FL XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX XXXX FL XXXX XXXX - If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

The problem with Wells Fargo Bank. On XX/XX/2020 I applied for a first time buyer loan, I was pre-approved and with several emails and letters. My credit report was pulled and I was pre-approved by Wells Fargo Bank. I signed a purchase contract for a condominium unit in the beginning of XXXX, after calling Wells Fargo every day I received a call from Wells Fargo Bank at the end of XXXX, that the credit report pulled back in XXXX had one digit wrong therefore they needed to pull my credit report one more time because of that problem. My credit report was pulled back in XXXX that is why I was pre approved. Days later I received a call saying that because of my new credit report pulled in XXXX they can not approve the loan, I then claim that to tell me what was the difference between the report pulled from XXXX and XXXX, I was told that they didn't have access to the report from XXXX, not until later on the month of XXXX I received a letter from Wells Fargo saying that I was not approved because of my credit report resulting the lost of a good property because of Wells Fargo Neglect. As of today I am still awaiting for Wells Fargo to give me an explanation since XX/XX/XXXX, I have escalated this issue to the Executive Office and they keep postponing dates to resolve this complaint. I was told today that they should be giving me an answer by XX/XX/XXXX, but this is the same thing they do every 15 days. I have proof of all the lies and all the mistakes that Wells Fargo has done in my credit application.
Product: Credit reporting or other personal consumer reports

I have not authorized or inquired about a lot of inquiries reporting on my credit report. 
I am clearly a victim of identity theft, someone has stolen my information to inquire credit and loans. Ive filed an FTC report on this matter and requested more information on the debt that went into collections under my name. I have not given any written statement allowing for any company to sell my information to a debt collector.
Product: Payday loan, title loan, or personal loan

I got a title loan at tittle max almost a year ago you never can pay on the loan u just have to pay it off then everyday you are late the fees pile up I have been paying XXXX plus dollars for XXXX  months on XXXX loan you have to pay the loan out in 30 days I got the loan in XXXX of 2022 here XXXX still paying I can sleep at night thing my vehicle will be gone I so worried I would like to have this cut down done I will never pay this off this was a horrible mistake now I stay i debt every month trying to pay