23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I continue to get calls and letters from XXXX XXXX XXXX XXXX about a debt that I am not sure if it is valid or not. I am not sure I ever had a Providian account but I do know I had a Washington Mutual that bought out Providian in XX/XX/XXXX which was then bought out, and I received a Chase card, XX/XX/XXXX. My Chase card has been closed for over seven years. They are trying to collect a debt from Providian ( which has n't been in business since XX/XX/XXXX way past the SOL of six years CRS. I have spoken on the phone with them numerous times ( They use spoofed phone numbers ) and repeatedly have asked them to validate the debt and provide date of last activity which they fail to do CRS 12-14-109. Validation of debts. This has been going on for six months. They call my business which I have repeatedly asked them not to. They call my home multiple times a day which forced me to send them a cease and desist letter, which surprisingly they have followed unless they are still using spoofed numbers and not leaving a voicemail. On the phone they tell me they are attorneys, CRS 12-14-107 False or misleading representations, and will take me to court and have used vulgar language when I ask them to prove the debt, CRS 12-14-106. Harassment or abuse. I have received a somewhat threatening  letter from them stating they have exhausted all voluntary methods of resolutions. I continue to tell them that if the debt is valid, which I am not sure it is, the SOL is six years in Colorado C.R.S. 13-80-103.5 ( 1 ) ( a ) and they are way outside of the SOL.
Product: Credit reporting or other personal consumer reports

I would like these XXXX items removed off all three of my credit bureras because this is hurting my credit score. Please remove these items off my credit report ASAP! 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Highest Balance {$21000.00} Acct Number XXXX XXXX XXXX  date opened XX/XX/XXXX highest balance {$320.00} acct XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Checking or savings account

PLEASE ASSIGN OTHER BANK OF AMERICA XXXX XXXX XXXX AT XXXX, extension XXXX IS NOT PROVIDING INFORMATION ABOUT THE INVESTIGATION OR ANY DOCUMENTATION ABOUT MY ISSUE. IF CFPB HAVE A CUSTOMER RATING FROM 1 TO 10, I WILL GIVE HIM 0. 


To Whom it may concern, The checking account # XXXX I used to have with Bank of America or perhaps another checking account opened under my name without my authorization and it was reported as a delinquency account with a transaction of {$500000.00} in cash from a fraud group located in Georgia back in the years XX/XX/XXXX-XX/XX/XXXX ( I can't recall the exact date ). I was never notified of this fraud transaction which is being reported in my personal background in agencies. In addition, I went to a local branch and they can't find the checking account in the system, the account is older than 7 years and it is not showing any information. 


Previous Address * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please send me a written response in reference to this transaction and delete it from the records that it is being displayed in personal background agencies.
Product: Vehicle loan or lease

The car was repossessed due to financial hardship and natural disaster. The amount due on the vehicle was partially obtained through auction. The remaining amount was sold to a debt collector ( XXXX XXXX ). That remaining amount was settled, paid and issued for deletion. I contacted San Tander consumer to try and update the account with my letter of satisfaction. I requested that the account be removed from my credit report as they have managed to obtain the money owed on the car. They replied and stated they will do no such thing and hinted that I was asking them to do something illegal. They would not accept my letter of satisfaction of payment and would not work with me on the matter. I explained that if they received the money it should not be an issue to update my credit report if not a full deletion of the account. They said they will not do it. This account reflects on both my wife 's and I credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX ( Original Creditor : XXXX XXXX IN ) XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} Collection
Product: Credit reporting or other personal consumer reports

Due to my social security number being published on the dark web, I tried to ensure that my credit files are frozen. 
On XX/XX/2024 I tried to access my account with TransUnion, but they require 2-factor authentication using an old email address that was terminated by the provider, so I can no longer receive email via that address. So, they locked me out of my TransUnion account. 
I called their Website Access Support Team, but they did not fix my account access nor did they follow up as they promised. 

Today, XX/XX/2024, I continue to be locked out of my TransUnion account for the same reason, and so I can not check on the status of my credit profile there and my recent call to their Website Access Support Team, XXXX, to fix this goes unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three bureaus and placed a Fraud Alert on my Credit File. I have also contacted both the bureaus and the Creditors individually to no avail. I have filed an FTC Identity Theft Report. Awaiting dispute decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiries on my report. XXXXfrom Mercedes Benz of XXXX . It doesnt make sense to run my credit when I asked them why they need my social security & they stated it was for dmv purposes. I came there with a pre approval check from my credit union an didnt need any financing. Didnt sign anything agreeing to a credit pull from them.
Product: Credit reporting or other personal consumer reports

victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had locked all 3 of my credit reporting accounts. On XX/XX/2020 my son ask if I could co-sign for a truck. I could unlock my account online with 2 of the agencies. Experian tells me that I have to request in writing with 2 bills listing my current address. BUT, as soon as I sign up for their service there is no problem I can have my account unlocked immediately. We have gone thru the {$4.00} first month and {$24.00} for the second month. Today ( XX/XX/2020 ) I canceled the account online. I received an email stating that " When your subscription ends in 27 days, you will no longer be able to lock or unlock your credit report. '' I feel I am being held hostage by these people.
Product: Credit reporting or other personal consumer reports

I was notified of a bill due for a loan I never signed up for. I contacted Upstart to let them know that I did not authorize this loan. Upstart sent money ( {$5900.00} ) to my bank account wrongfully, and I have asked several times how to send it back. They also took money from my bank account without my authorization and called it a " loan payment ''. Now they say I owe {$7000.00}! They have done nothing but give me the runaround and they are reporting negative information on my credit report about this loan that isn't mine. I filed an identity theft alert with the FTC and sent Upstart supporting documents via certified mail, but they still won't investigate.
Product: Credit reporting or other personal consumer reports

I sent my 2nd letter to TRANSUNION, XXXX, AND XXXX on XXXX, about reporting inaccurate and incomplete information on my consumer report. I had notified them that they are reporting inaccurate and incomplete information per 15 usc 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

they are in violation of 15 usc 1681e ( b ) as well by not reporting 100 % accurate and complete information. 
this is causing me XXXX and suffering by way of denial of certain things
Product: Debt collection

On XXXX XXXX, a collections account was added to my XXXX and XXXX XXXX XXXX by Amsher Collection Services by the original creditor XXXX XXXX XXXX for {$250.00}. I have made several attempts to contact the Collection Agency to inform them that the collections account does not belong to me, but they chose to not reply now. 

The address associated with the collection account does not belong to me, and I have never owned/rented that property. I have also disputed the address and have got it removed from my credit profiles by the bureaus. 

The collection agency also did not send any information regarding this account, and I wasn't contacted by anyone. I did not receive any email, call, mail regarding the debt. I got to know about it when it was fraudulently added to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not included the following statement on my report. 
. 
XXXX XXXX/account number XXXX. 

They have misrepresented the facts. Only after complaint to CFPB have they been sending regularly the statements to keep me in the loop. This should not be a derogatory mark on my record.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Wells Fargo Headquarters XXXX XXXX XXXX XXXX, President and CEO XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear XXXX XXXX, To say that I am upset is an understatement. I am livid. I am really really upset with Wells Fargo Bank and its shady banking practices. The only reason that my wife and I switched to Wells Fargo from XXXX XXXX XXXX was because it was closer to our home and now I regret switching. I have been duped, tricked and lied to by Wells Fargo Bank. I am sending this letter out to the president and all of the bank managers of Wells Fargo Bank in my area to let you know how upset I am with your bank and its unethical banking practices. Today, I was embarrassed when I went to the store and my card was denied for insufficient funds. This had to be a mistake. I check my account on my mobile phone each day to see transactions. The problem is that Wells Fargo uses a system that is designed to give you FALSE information regarding your transactions and balances. This is XXXX of several transaction examples. On XX/XX/XXXX, I paid my XXXX cell phone bill in the amount of {$620.00}. Instantly, XXXX notifies me that my transaction was successful. My XXXX account shows Paid in Full on XX/XX/XXXX. When I look at my Wells Fargo mobile app, it ALSO shows that {$620.00}, was taken from my account, leaving me X amount as a balance. Now, today XX/XX/XXXX, after my card was denied, a Wells Fargo Rep informs me that NO, the money did n't come out of your account on XX/XX/XXXX as XXXX AND Wells Fargo statements said it did. It along with several other transactions came out of my account ALL on the same day, XX/XX/XXXX. During this time, Wells Fargo 's mobile app has been giving me false balances. The result is that their system then is able to charge you a {$35.00} overdraft fee. This is OUTRAGEOUS!!! When I explained how deceiving this practice was, the representative was quick to credit the {$35.00}. The problem was that since I was given wrong balances showing higher balances, I was overdrawn by {$300.00}. No amount of I apologize for the inconvenience, did any good. That gesture did little to help me. I informed him that the Wells Fargo app can not be trusted as your system gives out misleading balances. And at the end of the conversation, the representative could n't even with a clear conscience say, Have I satisfied your concerns? or We value you as a loyal customer. I TRUSTED your bank and mobile app to tell me the truth. I was lied to by your bank executives who encouraged me to track my account with this app. They KNEW full well that the Wells Fargo banking system gives deceptive information. I am mortified that I put my trust in your bank. Your other customers need to be made aware of these practices. It is my hope that this exposure brings an end to this dishonest practice. Extremely Upset, XXXX XXXX XXXX XXXXXXXXXXXX XXXX CC : President and CEO of Wells Fargo Bank All Wells Fargo Bank XXXX in this area XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX The Better Business Bureau File
Product: Mortgage

This lender bought my VA loan and has my name spelled incorrectly on escrow papers. I have made several attempts for them to correct it and they refuse to do so.
Product: Credit card or prepaid card

I have an ins agency charging me for an old policy and a current policy that is not due until XX/XX/2023. I disputed the charges, contacted the credit card company and cancelled my card. The next day they let the charges go through again. That was the point of cancelling the card. They told me to tell the merchant but they still should not let charges go through
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit Account # XXXX Date Reported Open : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX This letter serves as a dispute pursuant to the Fair Credit Reporting Act ( " FCRA '' ) 15 USC SECTION 1681 et seq. 

Toyota reporting bureaus : XXXX, XXXX, and XXXX  that I made a late payment on a Auto Loan. 

I dispute this derogatory remark due to the fact that I was never late on a payment. The above named company has failed to provide proof of late payment and the amount of the payment. 

Toyota has to submit to me proof as to when then monies was received by them from me, and also the amount. Toyota also has to provide the their bank statement which supports any date provided as to what date the monies were received from me and were allegedly late. And also provide the required payment dates and late dates. 

1. Toyota has reported and has continued to report such derogatory remarks beyond the statute of limitation to report and continue to report such alleged late payment to the credit bureaus ; 2. Toyota has no permission from me to report any late payment to the credit bureaus without my written or verbal permission. I did not authorize any submission or reporting any alleged late payment to the credit bureaus in violation of FCRA section 604.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have copies of my payment history which was provided from Wells Fargo on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against Wells Fargo as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, Wells Fargo has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that Wells Fargo needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to Wells Fargo, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to access my experian credit file via XXXX for the past couple years. I receive a message state to call an XXXX and they will mail one, which the have. Once I receive this completely inaccurate report, I have returned to experian 's website to dispute inaccurate information and I still have to access. I have mailed my disputes without a response on 2 separate occasions, I have made phone calls but after waiting for an hour or so i usually hang up., their website under contact us has no chat option or listed email addresses. I have done a free trail and accessed my account immediately due the possibility of profit for information required by law to come at no cost annually. I have download the experian app which states a freeze alert was place on my account XXXX/XXXX/17. After investigating how this happened on their website it states there is a {$5.00} charge for this. It is impossible to contact experian to see how this {$5.00} charge was paid. It also requires a fee to remove this freeze. I have clicked on remove a freeze alert and I am also denied access to any further information except printing out a page to fill out and mail. I am tired of trying to contact these people, I am trying to move into a new apartment and I am constantly denied due to experians freeze alert as well as information that has drastically changed i.e ... open dates, amounts owed on one account has increase a remarkable 400 % ( {$730.00} to {$2900.00} ) after disputing it with the creditor, who have also reaged the account. I feel Experian had never done any type of thorough investigation as it seems the claim the information is accurate according to the FCRA. Their failure to maintain accurate reports, do thorough investigations, as well as denying me access to my own information, while making any type of access to any type of emoloyee via phone, email, chat, and as far as I have seen US mail is illegal and is the cause of unneeded stress and aggravation. I have contacted a creditor from my report that stated they did not report false information and I need to speak with the reporting agency itself.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KENTUCKY XXXX DATE OF BIRTH : XX/XX/year> SSN : XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX KY XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, Kentucky XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 
Thank you, XXXX DE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My ex wife of over 6 years used my SSN to obtain student loans without my knowledge or consent and has admitted to it recently after I confronted her.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint over some accounts that I have on my credit file that need to be properly updated and removed from my credit report. Please delete/remove XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. I have already filed a CFPB complaint against these companies and the account were not accurate or valid.
Product: Debt collection

On XXXX XXXX, Jefferson Capital Systems LLC placed unverified and inaccurate information on my credit file. This company failed to validate this debt. Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Amount : XXXX Related Account number : XXXX I have requested that Jefferson Capital Systems LLC verify this debt and send me all contracts and documents between myself and them bearing my signature. This is not my debt. I don't have or have had any business with this company in the past or currently. This has caused a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put the item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit file with all XXXX major credit reporting agencies not to resurface on my credit file.
Product: Credit reporting or other personal consumer reports

This is my first attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX