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

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an account opened at XXXX XXXX XXXXXX/XX/XXXX an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ), An account opened at XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX  on XX/XX/XXXX, and account opened at XXXX XXXX. on XX/XX/XXXX, and an account opened at XXXX on XX/XX/XXXX, and an account opened at XXXX XXXX on XX/XX/XXXX, and an account opened at XXXX XXXX  XXXX XX/XX/XXXX and an account opened at XXXX XXXX XXXX on XX/XX/XXXX, and an account opened at XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in 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 fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 XXXX 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

I have requested proper legal documentation from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP.
Product: Checking or savings account

I registered a new checking out based on a friends referral link from the bank called Chime. The referral link states that I would receive a {$100.00} bonus if I make a direct deposit of {$200.00}. I did this and they didnt pay me. 

I spoke with a company representative on two occasions, XX/XX/XXXX and XX/XX/XXXX. Both times I was reassured that everything I did was correct, and that my bonus payment is on the way. They told me to wait a few days. Ive been waiting but I know Chime has a repeated history of making false promises to many other folks. I learned this after I began having problems. 

I need help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a Dispute letter to all 3 credit bureaus ( XXXX, XXXX, and Transunion ) to send me proof that the below accounts belong to me. For example ; Documents with me signature which was stated in the letter because the bureaus stated that it was verified prior to me sending another letter for proof with my signature. 

Transunion ( 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, ) I received a response stating that the accounts were verified again with no proof!! I demand that these  accounts be removed from all of the credit bureaus because it is against the to not respond properly when an item is asked for PROOF! I sent in my letters and it has been well over 45 days without proof of my signature. Ive wrote the credit bureaus and this was not a good response for the second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations
Product: Debt collection

I HAVE CONTACTED THIS COMPANY SEVERAL TIMES AND ADVISED THEM THAT MY IDENTITY WAS STOLEN, AND THEY ARE HARASSING ME TO PAY THE BILL, I HAVE DISPUTED THIS WITH THE COMPANY SEVERAL TIMES.
Product: Debt collection

In  XXXX  I purchased a   XXXX   XXXX   XXXX   from BMW of   XXXX   ( IL ). I owned the vehicle for three ( 4 ) months. During the months of ownership the vehicle was returned to the dealership for repairs on four separate occasions for mechanical issues.
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As a result of the consistent mechanical issues with the vehicle, I returned the vehicle as a " voluntary repossession ''.
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I have requested, through BMW of North America and BMW Financial Services that the outstanding balance owed be forgiven since the vehicle had significant mechanical issues, and is a vehicle under factory recall for some of the issues I experienced with it.
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Each entity has " passed me off '' to the other, indicating that the other entity is responsible.
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I am only requesting that the claimed balance be removed from my credit repair. BMW of  XXXX  acknowledged possession of the vehicle. The debt has been " Charged off ''. However, it remains on my credit report as owed.
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I disagree that I owe this balance, and have been mistreated each time I make contact with BMW of North America and BMW Financial Services.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under [ XXXX ] and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account. 
Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected. 
Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I attempted to purchase a vehicle from XXXX via a company called " XXXX XXXXXXXX XXXX XXXX XXXX and through an agent, going by the name of : XXXX XXXX. XXXX XXXX contacted me via XXXX from phone number XXXX XXXX and advised me that payment has to be made through " Wise '' money transfer service and to the recipient XXXX XXXX XXXX XXXX ''. The cost of the vehicle in question was USD {$5200.00} XXXX, but XXXX XXXX also stated that I had to provide an additional USD {$1900.00} for shipping, customs, and anything else to make this transaction smooth. XXXX XXXX said the vehicle was shipped and should arrive around XX/XX/2024. He also stated that he will provide the documents via XXXX for the vehicle, in which I never received. XXXX XX/XX/2024, I asked XXXX XXXX for the documents and the location of the vehicle, he failed to provide me the documents, but told me that the vehicle was in XXXX, Florida and located on XXXX XXXX. XXXX XXXX requested an additional {$2000.00} to release the vehicle. I refused and at that point, I realized that this is not going well. I pointed out that the lack of documents seemed sketchy and XXXX XXXX replied that as soon as I send the additional {$2000.00}, he would release the documents. I attempted to contact XXXX XXXX and then wise, but my account had been closed with wise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting a fraudulent account removed from my credit reports. My identity was stolen and as a result there is a XXXX XXXX account, a XXXX XXXX inquiry, and an address on my reports that do not belong to me. I never opened this account or used it. I disputed this with the 3 credit bureaus on XX/XX/XXXX but to no luck. XXXX  told me they couldn't locate my file and to send a copy of my ID and Social Security card. I already sent them both items as well as my identity theft affidavit, police report, AND documents from the IRS stating that my identity had been compromised. XXXX  is just making excuses to avoid doing their job. I never even received a response from Experian or XXXX  so they are clearly avoiding their duties as well.
Product: Credit reporting or other personal consumer reports

Data was compromised and a fraud alert was put onto my credit reports. This inquiry should not be reporting as part of that alert. XX/XX/2022 from XXXX XXXX. 

Please remove this inquiry.
Product: Credit card or prepaid card

Synchrony bank/ paypal credit is worst financial institution that I've ever worked with. I ask them for months to provide me with a settlement and they refused saying that I would need a late payment for them to offer me a settlement. They then charged off my account and proceeded to report it wildly inaccurately to all three credit bureaus. I've asked that it be corrected or removed at least 10 times and they refuse to do so. In addition, they have charged large and unnecessary fees to my account and they are even reporting my account as " closed '' and " over limit '' which is wholly untrue.
Product: Debt collection

This debt was heard in court in XXXX XXXX XXXX case # XXXX an agreement was satisfied with the plaintiff representative then, that a payment was to be established by the plaintiff legal firm. The plaintiff representatives never got back to me with setting up a payment plan. Now 12 years late with the debt being double because of their own neglect. They are seeking to garnish my wages. I am the head of my head of household. This case is back from XXXX. And I also think the statues have expired 16 years in total. Again the agreement from the hearing in XXXX was neglected by their representatives. I dont feel I am responsible the the amount they are now forcing upon me in pandemic times. Please help me thanks
Product: Debt collection

To whom it may concern i need these accounts removed asap off my credit report. 

XXXX XXXX XXXX [ XXXX XXXX ] Account XXXX  XXXX {$1000.00} XXXX XXXX XXXXt [ XXXX XXXX XXXX  XXXX XXXX ] Account XXXX  XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ] Account XXXX  XXXX {$1400.00} XXXX XXXX XXXX [ XXXX XXXX ] Accont XXXX  XXXX {$1100.00} XXXX XXXX XXXX [ XXXX XXXX ] Account XXXX  XXXX {$2700.00} XXXX XXXX  Account XXXX  XXXX {$5400.00} XXXX XXXX XXXX Account XXXX  XXXX {$620.00} To my knowledge 15 USC 1692 ( C ) -- - IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT A CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATIONS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today to update my personal information. I asked the representative to remove an address that is not mine and does not belong to me. He responded and told me that he could not remove that address even though it is not mine nor does it belong to me. I told him that the address was not valid, not deliverable by US Post Office and therefore leaves me susceptible to identity theft. It is also not reportable per the FCRA, since it is inaccurate. He then informed me that I would need to call every creditor on my credit report and update my address in order to have it removed. He was advised I would be reaching out to your agency due to my right under FCRA being violated and he told me I needed to read the FCRA again. I have the whole conversation recorded.
Product: Debt collection

I KEEP RECEIVING CALLS FROM XXXX EXT XXXX. THEY ARE RUDE AND THEY ARE LIARS. IVE TOLD THEM I SHARE MY CELL PHONE AND THEY HAVE LEFT 4 VOICEMAILS SO FAR STATING THEY ARE DEBT COLLECTORS. MY CELL PHONE DOESNT IDENTIFY ME BY NAME SO WHY WOULD THEY SAY THAT. I WANT ALL CALLS TO STOP AS I WILL FILE A LAWSUIT FOR FDCPA VIOLATIONS IF THEY CALL AGAIN. ALSO LEFT ANOTHER VOICEMAIL ON MY WORK VOICEMAIL, AND IT WAS NOT LEFT AT MY DESK
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa, XXXX XX/XX/year> CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : ( you do not need the full account number, you can use the exact account number as it is listed on your credit report, including the XXXX XXXX XXXX  ORIGINAL CREDITOR : Dear CREDITACPT, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX my wallet was stolen and multiple charges were made on my Chase debit card, totalling approximately {$220.00}. 

XXXX XXXX XXXX XXXX NY XX/XX/XXXX ( ... XXXX ) Card {$14.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  NY XX/XX/XXXX ( ... XXXX ) Card {$7.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XX/XX/XXXX ( ... XXXX ) Card {$200.00} I did not authorize these transactions, as my card was stolen. I filed a claim with Chase and they issued me a temporary credit, but then reversed it a few weeks later. I called them and asked why, and I found out that the claim was filed incorrectly by Chase, so I submitted another one. A few weeks later, that one was also reversed, and I called and learned that they had filed it incorrectly AGAIN. However, I called again and they filed it correctly, but today they reversed the claim and have overdrafted my account. I called and they said that purchases were made after the card was reported stolen, but the purchases that were made were tips for a restaurant order and a grocery delivery, which I had authorized prior to my card being stolen and that I can not open a new claim. 

To help prove my wallet was stolen, I have attached confirmations of ordering new cards and a new driver 's license.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

To whom it may concern I bought a used car in XX/XX/XXXX and started to make payments in XX/XX/XXXX. In XX/XX/XXXX I became unemployed, informed the bank and requested a Covid19 repayment plan under the CARES ACT. I spoke to a specialist in the Customer solutions department and made my payments. The agreement was that all of the late fees would be removed for XXXX, XXXX and beginning of XXXX in order for me to make payments and get back on my fee. 
I requested fifth bank for my Installment payment history and I saw that all of the late fees were still there and nothing was removed. 
Aside from the above several late fees are being posted before my due date, which is on the the XXXX of every month. 
I have spoken to 8 representatives who confirmed that there is an agreement in the account, they see my calls, their access is limited since they are customer service representative and that the only people that can remove late fees are the customer solutions or the vehicle borrow assistance hardship department. 
I also spoke to another representative in XX/XX/XXXX and informed me that several times representatives promise and mismanage clients expectations or information to get payments. 
I require all of these late fees to be removed, require that my account be investigated and interest be assessed correctly.
Product: Debt collection

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 : ( 1 ) In response to the order of a + court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before 566 a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written 380 instructions of the consumer to whom it relates. 

XXXX - XXXX Last updated XX/XX/XXXX Balance {$1400.00} Account Details DEROGATORY Account Type Telecommunications/Cellular Credit Type Open Account Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$1400.00} Highest Balance {$1400.00} Original Amount {$1400.00} Term - Remaining Term 0 months Monthly Payment - Hard inquires I would love to have deleted 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 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 or other personal consumer reports

Until now, I received NO resolution from XXXX, Equifax and XXXX despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and unrecognized entries reported on my credit reports by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have never entered into any agreement with these debt collectors, nor have I authorized the opening or transferring of these accounts. These entries have appeared under account numbers XXXX, XXXX, and capit********* on my credit reports from TransUnion, XXXX XXXX and XXXX. 

The presence of these inaccurate reports is adversely affecting my credit score and my financial standing. This discrepancy hampers my ability to secure credit and engage in other financial activities. 

Attached to this complaint, you will find a screenshot of the disputed entries on my credit report. I trust that the CFPB will address this matter with the urgency it requires and ensure the integrity and accuracy of my credit information. 

Thank you for your immediate attention to this matter.
Product: Debt collection

I joined the Crunch Gym in XXXX Flo5rida. After 1 month I decided to leave. I spoke with several managers there and they told me I could not leave until after 90 days. I told them I was not told this orally nor signed any contract to that effect. In fact there is No written contract. Now I am receiving harassing phone calls, text messages to pay for services I do not owe any money to this gym and have received a collection letter from XXXX XXXX and " ABC Financial Services. '' I never signed any contract nor agreed to any terms of use. They are constituting fraud and are harassing me repeatedly. The last text I received from them was on XXXX/XXXX/2016.