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

I have a charge off on my experian account due to indenty theft, my information was used to purchase an airline ticket XX/XX/14, I sent disputes this charge with experian kept coming back, I called XXXX XXXX don't won't give me no information since not in the airline ticket not belong to me. File claim with bank for new card, please have expreian update my report delete the indenty theft charge off from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- XXXX ACCOUNT -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  charged off a XXXX XXXX XXXX account over 5 years ago, did a XXXX and have told me multiple times on the phone this account has been closed. 
I filed a XXXX complaint earlyier this year and then my account suddenly shows up again on my credit report saying I had a outstanding balance and my account is in a late status. This reduced my credit score by over 30 pts  and caused me to not be able to refi on a property. Please help has I called them and was told I deserved it and was hung up on twice. I was also told twice that this should not be on my credit report and they would remove it. XXXX  told me that they can report however they want and I have no right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to get credit to build my credit ; instead, of paying for things with cash is what my exwife suggest I should do. I also noticed that some of the things that I received on credit and paid it off without missing nor short on payments in its timely manner I did not receive points for. But, this one credit that was XXXX that was payed off with in a year that was supposed of been without interest as long as it was paid off within a year but there was interest ; so, I paid it off anyway on XXXX the account was open on XXXX and my credit score dropped after it was paid off by six to nine points. Instead, of it increasing by sixty, ninety points or more. Yes I called Experian after I filed an dispute and said, I dont understand how my score dropped instead of going up when I maintain payments, never late and paid it off in a timely manner. He quate discuss it with a Credit advisor. I told him, it makes no since to discuss it with a credit advisor when the whole idea of getting credit and maintaining it by paying it off in its timely manner is to build credit ; so, why would I want to discuss it with a credit advisor?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Cash App account was hacked and all my money was transferred out of my account. On XX/XX/XXXX I contacted support and was told that the security break must be on my end suggesting that it was my fault, I then spent the day resetting every security system and password I have from my bank to my email to the app itself. Within 12 hours my account was hacked into again signaling a fault on CashApp 's part. I then called on XX/XX/XXXX and was unable to get through their system so I requested a callback. On XX/XX/XXXX I called again and asked for a response from a manager via email and I received nothing. On XX/XX/XXXX CashApp denied my fraud claim stating that I authorized the payment once again choosing to blame me. I then called again on XX/XX/XXXX and was told I would get a response again, but i received nothing again. After a 44-minute call on XX/XX/XXXX, I was finally able to get to a manager and they had technical difficulties. That manager then stated they would have their supervisor reach out to me, and that supervisor then reached out to me stating that he wasn't able to help even though the only reason I was transferred to them was because they could help. After pointing out the issues in his statement he was magically able to help me. This entire company is fraudulent and can not be trusted with people 's information, let alone their money.
Product: Money transfer, virtual currency, or money service

on XX/XX/25 i logged into my account. i noticed all of XXXX XXXX was missing. i checked transaction history there was no history except for the purchase. i reported the missing coins which locks ones account. they have auto generated emails and no phone customer service. i have been completely ghosted by support. i have reached out to the founder XXXX XXXX on twitter and XXXX XXXX and XXXX XXXX as well. i have tried reach support multiple ways ... can not get a response except auto generated emails if i go through the contact us page. i am concerned about my missing coins and other funds that i can not secure, buy, or sale.. this is causing and undo amount of stress.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$470.00} Date of Account : XX/XX/year>
Product: Debt collection

I recently ran requested my credit report from the XXXX major credit reporting bureaus and noticed a collection account wherein a company called Jefferson Capital has reported negatively to the XXXX major Credit Bureaus claiming I owe money to them, specifically {$4000.00}. I have never applied for or opened an account with Jefferson Capital nor have I given permission to them to use any of my personal information to open an account. Additionally, I have never received any communication form this company regarding any alleged debt. I have recently reported this to the XXXX major credit bureaus in addition to filing this report.
Product: Credit card or prepaid card

I applied for a Best Buy card back in XXXX. Upon application I was assured that there were no additional fees or payments to be made other than interest charges. Best Buy somehow signed me up for a protection plan through a company called XXXX that now partners with Citi Bank. I never knowingly opted for any debt protection plan nor would I have wanted to. I DID NOT agree to anything of the sort verbally or otherwise. Any proof that may be procured that may prove otherwise was obtained fraudulently. 

So now, for the last 8 plus years I have unknowingly been paying for this program and the charges total to over three thousand dollars. In addition, these charges are not clearly stated. They were labeled as " Regular. '' I hadn't noticed this until the representative I spoke with on the phone pointed it out to me. Even if I had noticed it before, I would have assumed it was an interest charge. 

The XXXX agent I spoke with on XX/XX/XXXX put in a request for a refund of the charges and proof of agreement. He then said I would hear from them within a month. However, after doing some research through related public forums, I found out that I am not the only customer who has been mislead and affected by these charges I can only describe as fraudulent. Apparently this has been going on for a very long time and many people have been conned out of thousands of dollars. Many of which were denied refunds and denied proof of ever signing up for the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to XXXX representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, XXXX XXXX XXXX still reported me 30 days late on this credit card account. XXXX  has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.
Product: Mortgage

We sent an additional {$4100.00} in payments since XX/XX/29 and our trying to figure out a way to work out this balance since we believed we were already doing that. We sent two payments on XX/XX/29 for {$2100.00} and {$1000.00} we also sent an additional {$1000.00} on XXXX. We want to stay in our home we have never stopped paying and have been trying to get caught up. the papers they say they previously sent i did not receive. I have contacted loss mitigation by phone and email. We had a person contact us with his extension and that is who we have called and emailed. We have not gotten a response
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which I properly reported. There are fraudulence that is reporting on my report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

INQUIRIES/OTHER 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
Product: Mortgage

we have had a agreement we signed last year for XXXX we agreed and signed we have not missed any payments i have pictures of agreement with dates listed. they keep billing for XXXX a month not sure where all the extra charges are from XXXX more every month is a lot on a yearly basis like i mentioned we have not been late or missed any payments at are agreed amount of XXXX but they keep adding extra on could you please investigate it to see if its even factual or true thankyou
Product: Bank account or service

Bank levy appeared on my BUSINESS banking account for my exact posted balance plus {$120.00} on XXXX/XXXX/2016. Then the following day, the bank levy adjusted to {$44000.00} on XXXX/XXXX/2016. I spoke to BB and T representative XXXX in person at XXXX XXXX branch on XXXX/XXXX/2016 about refunding returned and overdrawn fees with an understanding that my posted balance would be released to me on XXXX XXXX, 2016. She was successful in accomplishing this ; however, I am uncertain if my BUSINESS banking account balance can be cleared out with a XXXX balance to satisfy a credit card debt from a XXXX XXXX that is almost a decade old. This bank levy seems to be a political move and a personal attack. I have been a bank client for over ten years. I am very confused in how my account is being handled. I feel like they are helping to extort me. I am very traumatized by the seizure of my business checking account. I could have been out of town or out of the country and stranded based on this account seizure. No one should feel safe with their money in a bank when extortion by anyone is possible with a judge signing off on it. My article is attached. XXXXl
Product: Debt collection

This morning, I received an alert of a new collection account added to my credit report by this company. At no time was I notified, in writing or otherwise, of any attempts to collect a debt nor did I receive an opportunity to review, validate or dispute the validity of this debt by company. 

I request Convergent validate the following information immediately or remove any trace of this account from my credit reports : Full original account number Date original account was opened Any written agreements between myself and creditor stating this debt is owed Full account summary and itemized calculation of alleged debt Date of first delinquency Dates and times of any phone calls made and letters mailed in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving these communications were made as governed by FDCPA law Phone number and address they have on record to correspond with the demand above
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XXXX XXXX, XXXX, I reviewed my credit profiles from XXXX, and discovered Capital One Bank is erroneously reporting XXXX derogatory credit card accounts on my credit report. I contacted the Capital One Bank fraud department on or about XXXX XXXX, XXXX, and spoke to a fraud account manager, XXXX, and explained that I am a victim of identity theft and that I never opened credit card accounts with Capital One Bank, and requested that this information be removed from my credit files. XXXX requested that I forward all supporting documents and said he will investigate the fraudulent activity. 
On XXXX XXXX, XXXX, I completed gathering the requested supporting documents along with a cover letter stating, " On XXXX XXXX, XXXX, I realized I may have been a victim of identity theft and immediately filed a police report at the XXXX Police Department ( copy enclosed ). 
As promised, I have also contacted XXXX XXXX XXXX and obtained a copy of the claim relating to fraudulent activity on my account, specifically XXXX XXXX ( XXXX ) unauthorized ( ACH ) electronic debits paid to Capital One Bank between XXXX XXXX, XXXX and XXXX XXXX, XXXX ( copy enclosed ). 
I have just today reached out to XXXX XXXX fraud department and initiated a claim in connection with the XXXX XXXX XXXX transaction for {$280.00}. I will advise of the outcome of their investigation and any documentation obtained as well. '' To date, Capital One Bank has failed to remove the fraudulent information from my credit files.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

I've never done business with this debt collector. I've never given anyone rights to sale my information. I'm asking for something with my signature and to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are FCRA violations. 

XXXX  XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. 
Account Type Collection Balance {$500.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$480.00} Date Opened XX/XX/XXXX Dispute Revolving Accounts show tooltip button XXXX XXXX XXXX XXXX Status Paid, Closed/Never late. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute Installment Loans show tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Status Account charged off. {$3300.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
Account Type Secured Loan Balance {$2700.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$7500.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$7500.00} Date Opened XX/XX/XXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Status Collection account. {$4200.00} past due as of XX/XX/XXXX. 
Account Type Education Balance {$4200.00} Date Opened XX/XX/XXXX Dispute Wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Debt collection

I am writing this complaint because I noticed a debt collection agency called Midland Credit Management Inc reported a tradeline to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting the alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Tx XXXX XX/XX/year>2025 To Whom It May Concern, I am writing to request validation of a debt your company claims I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently became aware of this debt in my credit report, and I need more information before proceeding further. 
Please provide the following : XXXX. Proof that you own or have been assigned the debt from the original creditor, XXXX XXXX XXXX XXXX XXXX 
XXXX. A copy of the original contract or agreement that shows I agreed to the debt. 
XXXX. A complete and detailed account of how the balance of {$740.00} was calculated, including any fees or interest added. 
XXXX. Proof that your company is licensed to collect debts in my state. 

I also request that you cease reporting this account to any credit bureaus until the debt is fully validated. Please note that this letter is not an acknowledgment or acceptance of liability for the debt. 

Under the FDCPA, you are required to provide the requested information and cease collection activities until the debt is validated. If you are unable to provide sufficient proof, I request that the debt be removed from my credit report, and you cease any further contact regarding this matter. 

Please respond to this request in writing at the address listed above. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.