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

Experian, XXXX and XXXX were sent disputes in regards to fraudulent activity for accounts : XXXX XXXX  XXXX Account #  XXXXXXXX XXXX  XXXXXXXX XXXX-Account # XXXX XXXX ORIGINAL CREDITOR FOR XXXX XXXX  XXXX DEBT ACCOUNT # XXXX Verification of debt was not validated and no proof of verification was returned. 
Updated FTC # XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above.This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

I discovered around XX/XX/XXXX that XXXX XXXX XXXX XXXX was reporting a Line of Credit loan in the amount of {$12000.00} on my Experian, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my Experian dispute result on XX/XX/XXXX which XXXX XXXX reported to them that they were reporting it correctly. I called XXXX XXXX and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.
Product: Credit card or prepaid card

To whom it may concern, RE : XXXX XXXX Credit Card from Barclay 's  Misplaced my credit card statement and made the payment when I was reminded it was 10 days late. 

The outstanding balance they calculated the interest of 26.74 % was the average monthly balance of {$5900.00} not the actual balance of {$3500.00}. 

The payment was also only 10 days late and we were charged {$120.00}, which works out to a real annual charge of {$4600.00} or 130.54 % on an annual basis. 

This is just criminal!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX SC, XXXX Subject : Dispute of Fraudulent Collection Account Request for Validation Dear LVNV Funding LLC I am writing to formally dispute a collection account that has been reported on my credit file under social security number. I have recently reviewed my credit report and discovered this debt, which I believe to be fraudulent. I have never opened or authorized an account with LVNV Funding LLC and I have no knowledge of this debt. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide full validation of this debt, including but not limited to : 1. Documentation proving that I agreed to and am responsible for this debt.

2. A complete payment history and original contract with my signature.

3. Any supporting evidence that verifies the legitimacy of this debt. 

If you can not provide proper validation of this debt within 30 days, I request that you remove this collection from my credit report and cease all collection activities immediately. Additionally, if this account is found to be fraudulent, I request that you report the deletion of this account to all credit reporting agencies. 

Please respond to this dispute in writing. If this account is fraudulent, I am also prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

According to the fair act your company XXXX XXXX  should report accurate information, However XXXXXXXX XXXX is reporting that im over my credit limit and causing damage to my credit score. Ive reached out to them several times and I was told that this would be resolved and also honored my goodwill removal of the 1 late payment i have with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE XXXX XXXX XXXX XXXX
Product: Checking or savings account

this is a weird reason to use cfpb i can think of nothing else so i can recover my time and well being already lost. i am a PLAINTIFF who is trying to get some funds from a garnished account. I have tried everything and need help cutting thru RED TAPE. the social security nnumber of defendant is XXXX. I mailed a request for funds, on XXXX had branch in XXXX nj do it or asked them tofax request XXXX since legal order processing told me to tell the branch to fax it to speed it up STILL NOTHING i faxed a request on XXXX to get some of the money to which i am entitled as per legal order nothing has resulted in anything. They still to this minute on XXXX HAVE RECEIVED NOTHING SO I CAN GET MY MONEY AND MAINTAIN THE HOLD ON CUSTOMERS ACCOUNT WHAT IS WRONG HERE? I AM DONE BEING SENT ONA WILD GOOSE CHASE. POSSIBLY THE BRANCH IN nj DID NOT FAX IT ON XXXX AS I ASKED BOTTOM LINE ITS BEEN SENT 3 TIMES I NEED THE MONEY TO WHICH I AM ENTITLED AS PER COURT ORDER HELP HELP HELP HELP
Product: Checking or savings account

Wells Fargo seems to have retracted the payment of my direct deposit from my savings account, now reflecting a negative balance. The discrepency is nored tobe a system wide glutch with no time as to the remediation of lost funds.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to report identity theft resulting from a data breach that has compromised my personal information and led to unauthorized accounts and activity on my credit report. 

As a victim of this data breach, I am requesting that all accounts and items associated with fraudulent activity in my name be **blocked and deleted pursuant to 15 USC 1681c-2 ( a ) **. This provision under the Fair Credit Reporting Act allows for the deletion of information resulting from identity theft when notified accordingly. 

The accounts and transactions that I believe to be fraudulent include, but may not be limited to : XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF EDUCATION/XXXX- XXXX DEPT OF EDUCATION/XXXX-XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX-XXXX DEPT OF EDUCATION/XXXXXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX XXXX XXXX  XXXX XXXX XXXX, 2023 XXXX XXXX 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 have already taken steps to report this matter to the relevant credit reporting agencies and creditors ; however , I am seeking CFPB 's assistance to ensure that these unauthorized accounts are properly and promptly removed from my credit report. 

The impact of these fraudulent accounts has affected my financial standing, and I am concerned about any ongoing consequences of this identity theft. I request the CFPB 's support in enforcing my rights under the Fair Credit Reporting Act and ensuring that my credit report accurately reflects only accounts that I have legitimately opened. 

Please advise on any further information or documentation you may need from me to expedite this process. Thank you for your attention to this matter and for helping me resolve these issues caused by the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX
Product: Payday loan, title loan, or personal loan

on XX/XX/ 2019 I contacted XXXX XXXX  to clear up and installment loan that was acquired by XXXX XXXX. I paid XXXX dollars with a debit card, this payment has cleared the bank. when i made this payment my account read on my credit bureau that the original loan was for XXXX and my balance was XXXX, and that i was late XXXX dollars, now i paid XXXX, the next week the credit file had been update by them to show i was past due XXXX! after i just made the payment, that same week XXXX XXXX sends me a bill saying i owe XXXX for past due fees a monthly bill of XXXX for a total of XXXX not due til XXXX OF THIS YEAR?!. we called XXXX to see what was going on and you cant get any one on the phone so we called XXXX XXXX they tell us they didn't use the money we paid to pay our late fee THAT WAS INCLUDE IN THE TOTAL AMOUNT PAST DUE OF XXXX, THEY SAID WE ( XXXX XXXX/XXXX  ) CAN APPLY IT WHEREVER WE WANT. now XXXX XXXX wont even answer my husbands calls and the credit bureau STILL is reporting wrong. So we have two bills received in the same week that totally contradict what is really going on. The bills received also has two different balances than whats even reporting to the credit bureau! so that's a total of three different balances. We've recorded all these phone calls as well.
Product: Checking or savings account

I am trying to get an answer to a simple question via Fulton Bank 's online messaging center on their web site. They tell me to call a phone number. This is not the first time that I've requested help via Fulton Bank 's online messaging center on their web site, and they refuse to answer the question. Obviously they don't want to put anything in writing - why? What's the point in having an online messaging center if they refuse to use it?
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that i see this negative, unauthorized fraudulent account on my credit report. This is really damaging my credit worthiness. I am trying to start a business for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months age so I figured you all would protect my consumer report. I do not feel my information is being protected. This is defamation to my character and is a federal law violation. According to 15 U.S.C, 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I AM upset!! I AM depending on the banking system and credit reporting agencies to promote my privacy and fairness and they haven't. This is not right, going against my federal consumer rights, causing emotional and mental stress. Also, it is illegal, neglect, and fraud for companies and should not be furnishers of people 's information to 3rd parties. I have reported this to the proper legal departments. Including FTC. This is negatively affecting my livelihood and putting me in a bad space. These companies and credit bureaus can be sued. I feel your database is inaccurate and I am thinking about filing ligation, if negative items are not removed IMMEDIATELY. I am suffering.
Product: Credit card or prepaid card

Good Morning dear CFPB I am writing about my card with citibank credit card that i had since XXXX. 

Citibank closed my account for no reason because the reason they giving me its does not make sense. They are saying o used my card rapidly which i paid off later and other inaccurate reason they are giving me, I have used my card based on my credit card agreement never went over limit never abuse my card and i have great credit rating based on XXXX, XXXX and XXXX XXXX. Low credit usage and exceptional credit. 



Closer of this account both business and personal will have really huge negative effect because it will show closed by credit grantor and my other creditors will follow same route please assist me to review and reopen my accounts Citi Costco : XXXX XXXX XXXX XXXX Citi Thank : XXXX XXXX XXXX XXXX Thank you very much
Product: Debt collection

On XXXX/XXXX/2021 I filed a complaint against a fraudulent company called Asset acceptance llc Complaint # XXXX that company sent me a doll if I was seized at that time regarding an account I was unaware of Two days after having a complaint I received a notice of dissolution of continuation of the lien doll. Today I received the same letter trying to collect the same fraudulent debt. I am enclosing a copy of the dissolution that was sent to me. Could you verify all the information in the first complaint? Thank you
Product: Credit card

Today XX/XX/XXXX I received the outcomes of XXXX disputes that were reversed for the XXXX time to the merchant. These disputes were filed in XX/XX/2022. They were for XX/XX/2022 and XX/XX/2022. I filedXXXX disputes in XX/XX/2022 against the same merchant. I have had XXXX disputes ruled in my favor. So dont know how I still have XXXX left. I called them today to reassert XXXX of them. I have never received the receipts for them. I have called 5 times today and either was transferred and put on hold for half an hour or longer and no one would pick up so I had to keep calling back. Finally they answer and they are unable to send the receipts. Worst customer service ever. I have sent every time that I have reasserted these disputes the same evidence that I sent for the XXXX that was ruled in my favor. The evidence was good enough for XXXX so what is the problem now? I know its called harassment, maybe revenge? I am sick of this mess and have been dealing with it for a year now. You owe me {$17000.00} from the disputes that were ruled in my favor. My account has never been credited for all of them. Take the money for these last disputes from what you owe ME. You are the most corrupt bank I have ever seen. You will not get another dime from me. I did not authorize any of the disputes and I never gave that merchant my card number, password, PIN number or CVV number. I dont use Face ID or fingerprint ID. The IP address on the merchants evidence is not mine. I have sent you proof .Your bank authorized these transactions on a name and address!! I have researched this merchant and they are corrupt and are located in XXXX the most corrupt company in the world. You need to be shut down from your corrupt business practices. You have thousands of complaints for the same reasons that I am having. You are ruining the Apple name. You do nothing but lie and steal from the consumers. I will fight this till the day I die. I dont give up easily and I DO NOT PAY FOR FRAUD. I demand that these disputes be taken to XXXX Arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT from a closed 2017 credit card account from Capital One that are incorrect. The account was never late. I contact capital one about removing the late payments considering I have a long standing relationship with them. A representative informed me to send a picture of the account reporting late to the credit bureaus because it is to old to be pulled up in their system along with written instructions to delete the late payments and it should be immediately updated to 100 % payment history. I sent the requested info and Capital One reported another fraudulent late payment on top of the two from 2017 I was initially disputing. Capital one is in CLEAR VIOLATION OF THE LAW! The FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 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 ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is Capital One. So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENTS FROM the closed Capital One 2017 account MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the LATE PAYMENTS which are in violation by being REPORTED and keep the account. Capital One is also in violation of 15 U.S. Code 1666b - Timing of payments where it clearly states, ( 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. Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has denied my request to remove the 30 day late payment for my vehicle payment that was due on XX/XX/XXXX. I was shopping for a vehicle, throughout the month of XXXX and hand to wait until labor day to get the deal I was shopping for. My vehicle was traded in on XX/XX/XXXX. When we called to get my payoff on XX/XX/XXXX ( I believe was the date ), we let the person on the phone know that the vehicle was being traded in. I asked about the payment and was told that as long as it was traded by XXXX I would not be turned into the credit bureaus as 30 days late. Additionally, I have never been late with XXXX XXXX and have worked very hard to build my credit up after having to file bankruptcy in XXXX due to a divorce. The late reporting has drastically lowered my credit score and has hindered the process of starting a business, which I was in the middle of!

As a one time exception, I asked to have this removed at least as " Good Will ''. Being a mortgage broker, I have seen that happen more times than I can count. The account with XXXX XXXX is PAID IN FULL and over the 2 years that I owned the vehicle I paid over XXXX XXXX Dollars in interest and because of that, I was upside down in my vehicle by over XXXX dollars! Is asking for a one time deletion really too much?
Product: Checking or savings account

On Sunday XX/XX/23, I noticed while I was in the mall a transaction in my Chime checking account, I did not make to XXXX  cable company for the amount of {$500.00}, I called XXXX about this transaction, but they told me that the only transaction they see on their side was for {$130.00} on XX/XX/23 I made previous day. XXXX does not have records of any transaction for the amount of {$500.00}. When I called Chime support to dispute that fraud transaction, they asked me to submit any documentation and I submitted the bank statements where only shows that on transaction for {$130.00}. They told me that in 10 days, if approve, I will get a credit and then it would take up to 90 days but then my dispute was denied again and I called them back in XXXX and they reopen the dispute, again they said I needed to wait and I requested by email the documentation they have for the reason that was denied but they never responded and send any such documentation. I called again today XX/XX/23 and again was denied for the third time and they told me the same thing about reopening the case and I have to wait up to 90 days. I told them this time I will report and get an attorney if it gets deny again. They have not even tried a backcharge or anything and I believe that there is no investigation team in Chime or anyone investigating because they could not transfer me to that department or provide information of who was handling my case. I need this money and help please.
Product: Debt collection

I continue to get calls from the following numbers : XXXX ; XXXX ; XXXX all for debt for a " XXXX XXXX. '' I am not XXXX XXXX and I don't know anyone named XXXX XXXX. 

They also continually text me. I called the XXXX number weeks ago and noted that I am not " XXXX XXXX '' but I continue to get the calls and texts ( multiple calls per day ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to dispute certain items on my credit report that I believe are inaccurate and should be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the disputed items for your reference. I have also asked all 3 bureaus to correct my personal information. My name and it's correct spelling, my date of birth, my address and employer... I also asked for all other incorrect personal information be deleted and removed from my credit report.