23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received bills from XXXX XXXX for {$520.00}. I have never order anything from them. I tried to call to dispute, but I could never get them on the phone. Now I've received a call from a debt collection agency, Revco Solutions at XXXX, that I owe this money. Revco said that this was for shoes that were ordered. Revco said that they can't remove the charges due to fraud and I had to call XXXX XXXX who reported it. 

I called XXXX XXXX, XXXX, to report this as fraud. 
XXXX XXXX and told me that I have to call the Debt collector to report this as fraud and gave me XXXX to call for the Debt collector. This phone number automated system asked me my age and tried to sell me on a product I don't need. XXXX XXXX did tell me that this order was for four bottles of XXXX XXXX and it was shipped to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I live in Florida and am far to old to wear cologne, let alone one that sells for that much a bottle..
Product: Credit reporting or other personal consumer reports

I have information on my credit report that does not belong to me. I contacted the bureaus, but they did not remove the accounts from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am a customer associated with the Wells Fargo Bank. I recently became a member of XXXX XXXXs and after submitting my information I was going to receive currency from said app. However, it says that Wells Fargo is a supporter of the application but I have yet to receive anything due to my bank not accepting. I would like to receive the currency to continue being a member of both parties. 
Thank you.
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Credit reporting or other personal consumer reports

Request for Verification and Removal of Account from Credit Profile Dear XXXX Team, I am writing to formally request that you investigate and remove an inaccurate item from my credit profile. I, XXXX XXXX, have made several attempts to contact the creditor, XXXX, regarding this matter and have requested verification and proof of the account. However, my requests remain unanswered. Therefore, I am seeking your assistance in this matter. 
As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( SOL ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX  license numbers and registered agent. 
Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( TransUnion, XXXX, XXXX ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property I urge you to review and resolve this matter promptly. Please confirm in writing once the disputed item has been removed from my credit profile. 
Thank you for your attention to this matter. I look forward to your prompt response. If you require additional information, I can be reached at XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Account reporting Inaccurate information, please read the attached letter along with the additional file for proof of claim.
Product: Debt collection

This debt is not owed. I have resolved this collection item several times. This collection has been removed in the past and has since been sold to another collections company and was added back to my credit report and has since caused a domino affect on my credit report score. This is bullying at this point!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. 

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. 

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. 

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account from XXXX XXXX XXXX XXXX is reporting on my credit. I did not open this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Product: Debt collection

I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.
Product: Mortgage

I fell behind on my mortgage XX/XX/XXXX and applied for hardship relief with Fay Servicing on XX/XX/XXXX. I was denied assistance by Fay due to " not having sufficient income '' or because " the target payment could not be reached ''. When asked what the income was that Fay calculated to make that decision, they said it was a limited review an they did not verify my income, they simply honored the income I listed on my application of {$3000.00}. If my mortgage payment is less then a 1/3 of my income, how is there nothing Fay can do? 

This covid19 global pandemic has caused me to fall behind and now Fay is saying I must reinstate or move out of my home. The audacity of forcing someone who has income to pay, out of their home is absurd. These financial institutions continue to take advantage of us middle class people. I showed Fay that after my mortgage and all expenses were paid, I still have some money leftover. I have been wrongfully denied and there should be a lawsuit against Fay for wrong doing during a global pandemic. I have attached the same documents that Fay used to determine I don't qualify for assistance to further support that I have demonstrated a good financial situation allowing me to resume my payment. They would rather foreclose on me than to take my monthly payments again.
Product: Debt collection

On XX/XX/XXXX I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/XXXX and was signed and delivered on XX/XX/XXXX. To which I never received any response and then today I go onto my credit report on XX/XX/XXXX and see that they have been added to my credit files ( XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law
Product: Credit reporting or other personal consumer reports

I legally change my name to from XXXX XXXX XXXX XXXX XXXX XXXXXXXX now Chase bank JPMCB - CARD SERVICES account. Still have in my online profile from my credit journey XXXX XXXX I already change in the locate bank but Im having a lot of difficulty to change credit update they refused to do it all the time and thats its legal I have my new credit card under my legal name XXXX XXXX but online still XXXXXXXX XXXX XXXXXXXX You stop report my credit to XXXX since last year XXXX and remark my account asking for a clear credit report when you are the only company hasnt change the name I need you to update and my name and report to XXXX a soon as posible this its affecting me because Im putting a lot of my busy time to this situation Im going to share my label documents once again to prove that XXXX XXXX is my legal name and not XXXX XXXX XXXX Update today XX/XX/XXXX I enroll again to chase credit journey and I receive an email with hi XXXX welcome!! The name on your system hasnt not been update! Do not tell me to contact experian to fix it the problem is on your side! Yall cant fix a name problem I wonder how this company management people money? 
Chase bank are lying about this situation my report is 100 % correct with experian Important note Account name JPMCB CARD Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status NO STATUS You have to be responsible to fix this problems
Product: Credit card or prepaid card

XXXX and XXXX were taken out of my cash app card today by cash app. They claim there was a technical issue from XX/XX/2023 to XX/XX/2023 that caused these charges at XXXX to be placed on hold, then put back in my account and taken again and put back. I contacted XXXX. They have no record of the charges. The money I added to cash app today was from a paycheck and a bonus from work. Money that was to be used to fix my vehicle. The XXXX for the charges left me with XXXX. I cant fix my car and Im very upset. I have never received any notice that there was an error with their transactions except during conversations with their rude customer service who are no help.
Product: Vehicle loan or lease

Santander Consumer USA, was found guilty of using an Internal scoring system to trick consumers into getting car loans and charging a more than higher interest rates as high as 45 % in some cases. 

The Attorney General of California, has deemed the company guilty of fraudulent acts and business practices. The courts has fined the company over {$500.00} XXXX XXXX in restitution to be paid back to consumers who vehicles were repossessed in the first twelve months, and must remove any all negative items off credit report. 

Santander Consumer USA, is refusing to remove items, and pay restitution to consumer by stating no fault.
Product: Credit reporting or other personal consumer reports

I request the information below and received an answer regarding my rights under the FCRA 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) states that a consumer reporting agency ( CRA ) must provide a consumer with a description of the reinvestigation procedure within 15 days of receiving the consumer 's request 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 : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used or validate the items below and show where I gave written permission to be on y credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 

THE FOLLOWINGS ACCOUNTS ARE REPORTING INACCURATELY SEE BELOW Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair. 

XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  This account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately XXXX  XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Mortgage

A few months after Ocwen took over the servicing of our mortgage in early 2012, I began receiving junk mail ( mostly credit card offers ) in the mail almost daily. Ocwen is the only account I have that still includes my ex-husbands name on it, so it was n't hard to figure out who was sharing our information as every letter is address to XXXX us. I opted out by mail AND fax every chance I had when presented with the option, but the junk mail continues to pour in to this day. It 's a terrible waste of resources and needs to stop.
Product: Debt collection

In XXXX of XXXX I consigned on a bail with XXXX for a family member which was paid in full. In XXXX XXXX I was sued by a collection agency FTA Financial who said they represent the bail company who was now out of business. The man would call me from the collection agency and tell me I was a " stupid XXXX '' and laughed himself to sleep at night thinking how stupid I am. When I responded to the court notice the collection agency asked that there be no court date and due to lack of evidence the court find in their favor without going to court but the court denied that request and set a court date in XXXX XXXX. I sat in court for hours and the collection agency never showed so the judge said the case was dismissed. I started receiving collection letters again and left many messages asking them to stop sending them but when I called today I finally got someone on the phone who said the court case was reopened this month XXXX XXXX because they never received notice of the court date in XXXX which is hard to believe and when I left court that day I called them and told them it was over and to stop harassing me. It is not fair because the evidence I had the day in court an old cell phone with messages from the bail bonds proving it was paid I no longer have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report.

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.
Product: Debt collection

I sent a letter pursuant to the Fair Credit Act to Jefferson Capital System requesting validation of the said debt but have not received any correspondence to have said debt validated. I did not sign a contract with the said company. I have no knowledge of the said debt.
Product: Credit card or prepaid card

Used Chase Card at a store in XXXX XXXX for {$350.00}. The store rang up other purchases with this card then told me to sign the credits which totaled over XXXX plus exchange rate charges. Notified Chase and sent 42 pages of back up and phone records they turned down helping me get my money back as I had used my chase card to purchase 1 item from this merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. Transunion, XXXX  and XXXX  were all similar results. Additionally, I have never been late on anything ... 

I called Transunion and XXXX  and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

Transunion, XXXX and XXXX  appear not to care ... ...
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the accuracy of information reported on my credit file regarding an account with XXXX XXXX. I believe that the information reported by [ Equifax/XXXX ] is inaccurate and does not reflect my payment history accurately. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter to ensure that my credit report reflects only accurate and complete information. 

Account Information for Dispute : Creditor Name : XXXX XXXX ( Installment ) Account Number : XXXX ( Please adjust with the last four digits as reported ) Reported by : Equifax and XXXX Issues : Payment Status Inconsistencies : Equifax reports " Pays account as agreed, '' while XXXX states " Paid account/was 30 days past due date. '' This discrepancy may unfairly affect my credit score. 
Delinquency Reports : Both Equifax and XXXX list a 30 days late payment in XX/XX/year>. If this is incorrect or if there are extenuating circumstances that led to this mark, such as errors in reporting or miscommunication, it should be investigated and corrected. 
XXXX XXXX : The account closure date is only reported by Equifax, not XXXX. Consistent reporting across all bureaus is essential for accuracy. 
Account XXXX : There is missing information across the bureaus, including the closed date by XXXX and nearly all details by XXXX. This lack of consistency XXXX present an incomplete picture of my credit history. 
I have attached documents that support my position and request that the following actions be taken : Verify all information regarding the XXXX XXXX account with the creditor. 
Correct any inaccuracies found, especially regarding payment history and account statuses. 
Update my credit report to reflect accurate and consistent information across all bureaus. 
Provide me with a written summary of your investigation and the outcome. 
Please complete this investigation within the 30-day period as mandated by the FCRA. I appreciate your attention to this matter and expect your prompt response. 

Sincerely,
Product: Debt collection

Behind on minimum payments. Financially unable to pay in full. I have asked for hardship payments but was unable to offer. Kohls Dpt. Store. Im receiving multiple calls from mulriple number 7 times a day and voicemails 7 days a week
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK FOR PROF FROM XXXX THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF
Product: Credit card or prepaid card

I received a fraudulent charge on my HSBC credit card in XX/XX/XXXX. I  signed an affidavit saying that the charge was fraudulent. 3 months later I get a letter saying the claim was denied. Although the whole time theyve been racking up the fees and decreasing my credit score. The original charge was for {$79.00}, my bill including late fee is now about double that and my credit score has decreased over 100 points.
Product: Debt collection

I disputed an account with XXXX XXXX in XX/XX/. I asked for debt validation and verification. The company responded by saying this debt was sold to Jefferson capital system who never responded to me. I asked for debt validation and verification and they did not respond. It has surpassed their 30 days in dispute. I do not owe this debt it does not belong to me. Looking at the 3b credit report you will notice several inaccuracies with this reporting. This information is inaccurate, untrue, not complete, no whole. The information is inconsistent and does not belong to me. Please stop selling this debt and delete from my report thank you