23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

The balance on the XXXX store card, issued by Comenity Capital Bank, of {$56.00} was paid in full online less than 2 days late and showed no late fees. With no charges made I did not realize anything was owed on the account until after a late fee of {$30.00} was charged on top of a late fee of {$30.00}, plus interest. The card issuer refuses to remove both late fees totaling more than the original purchase price.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Equifax, XXXX, and XXXX because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXXXXXX XXXX Account name : XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute for Late Payment Removal CARES Act Protection To Whom It May Concern, I am writing to formally dispute the late payments reported on my credit file for the account listed below. These late payments were inaccurately reported and should be immediately removed under my rights granted by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Account in Dispute Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XX/XX/2019 {$24000.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  showed proof that this is inaccurate information
Product: Checking or savings account

The money they took from my account was a charge from the XXXX company that I purchased their service for only XXXX year, which expires in XX/XX/XXXX. Without telling me, XXXX took {$290.00} as an account for XXXX. So, last month, I have canceled on XXXX not to continue the bill for XXXX. I asked Wells Fargo to cancel the XXXX bill. They did, but then, today ( XX/XX/XXXX ), I saw my account that Wells Fargo took again {$290.00} from my account, with code XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Immediately, I called Wells Fargo today, and asked why they were taking my money when I no longer purchased XXXX for XXXX. Wells Fargo responded that charge, {$290.00}, was done by XXXX of their departments, and instructed me to contact that department. However, I said that contact with the Department was neither my job nor my business. Wells Fargo insisted that I contact the department. I responded and said, I'm not satisfied with how you treated my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit reports that were not mine. And the credit bureaus will not accept my dispute. These are the accounts they will not remove : 1 ) Capital One Bank USA N- {$300.00} Charge off accounts 2 ) XX/XX/XXXX {$300.00} charge off account 3 ) XX/XX/XXXXXXXX XXXX {$33000.00} late payment account 4 ) XX/XX/XXXX XXXX XXXX XXXX {$520.00} charge - off account 5 ) XX/XX/XXXXXXXX XXXX {$260.00} charge-off account 6 ) XX/XX/XXXX - {$910.00} collection account
Product: Credit reporting, credit repair services, or other personal consumer reports

I file documentation last XXXX for those inaccurate and unknown accounts I found on my credit report that must be removed. Or I will file a litigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Debt Verification Request Due to Equifax XXXX XXXX To Whom It XXXX Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX, Account # XXXX this account appears on XXXX and Equifax for XXXX same account with diffrent account number this account is XXXX old Debt XXXX. I believe I am a victim of the 2017 XXXX Equifax data breach, and this debt XXXX have resulted from identity theft or fraudulent activity stemming from that breach. 
As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : XXXX. The original creditors name and contact information. 
XXXX. The specific amount of the debt and a breakdown of charges. 
XXXX. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX ; in XXXX XXXX, Affirm  under penalty of perjury under the laws of the United States of America that this statement is true and correct ; Dear XXXX XXXX XXXX of XXXX XXXX XXXX, & XXXX XXXX XXXX of XXXX XXXX XXXX XXXX I Have no knowledge of this Account XXXX XXXX XXXX, XXXX XXXX XXXX, I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX XXXX, of XXXX XXXX XXXX or XXXX XXXX XXXX of XXXX XXXX XXXX XXXX or, XXXX XXXX  ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Now that you have been notified that this information is inaccurate, I XXXX XXXX XXXX ; ORDER you XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX  XXXX, XXXX XXXX XXXX, with XXXX XXXX from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

as this file XXXX XXXX XXXX, XXXX XXXX XXXX has damaged XXXX XXXX XXXX ; image, name, likeness, reputation and also damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & all consumer reporting agencys and XXXX partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! 

I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. By XXXX XXXX XXXX of XXXX XXXX XXXX, & XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Pay to the order of : XXXX XXXX XXXX
Product: Debt collection

I have new and updated information regarding claim number : XXXX. Americollect , Inc. have not provided all of the requested documentation per my previous request. Their refusal to provide all of the requested documentation is preventing me from exercising my right to assess and validate the alleged debt. 

Please reference the attached documents :
Product: Money transfer, virtual currency, or money service

Beginning on XX/XX/XXXX and ending on XX/XX/XXXX, I received a total of XXXX advertisements via a text message that were created by cash App and sent to me in conjunction between cash app and their customers as part of a referral program. Those advertisements promised credits to either the other customer, myself, or a combination of both parties. The most recent of those advertisement msgs was sent on XX/XX/XXXX is replicated below : " Hey! I've been using Cash App to send money and spend using the Cash Card. Try it using my code and youll get {$5.00}. XXXX XXXX XXXX XXXXXXXX '' During the set up of my Cash App account, I was not notified of any additional terms or conditions, nor were any additional terms to the referral credits conspicuously disclosed to me. 

After receiving my card and sending/receiving money, and using my card and software ( Trying it ), I entered into the CashApp software the most recent referral code, and received message stating that : " You've got {$5.00} waiting! '' However, the {$5.00} was never credited to my account. 
I then contacted customer service and requested to know what the specific reason or disqualifying event was which caused them to deny honoring the credit offered in their advertisement. 

The customer service reps refused to cite the specific reason why they were denying the credit. In addition, I requested to know when my account was created and they refused to obtain that information and provide that information to me. 
Attached is a transcript of the messages between me and customer service. 
Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX $ XXXX = ' ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys several times about items being reported to my credit that aren't mine. Over the course of several months, I've seen things come off, but I've also seen new things reappear. I am looking at my credit report now and there are several new things that are here that are absolutely not mine and I'd like them removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from XXXX and Experian around XXXX XXXX, XXXX. In the reports from XXXX and Experian, I found several mistakes : 1, In both, there are XXXX XXXX credit cards but only XXXX is actually mine. 
2, In Experian, there are XXXX reported names but I only use XXXX name. 
3, In both, there are several addresses that I have never lived in. 
4, In Experian, there is also a phone number that I never heard of. 
The firs issue terrifies me. I called XXXX XXXX XXXX and they confirmed that there is only XXXX card associated with my social and name. Somewhat relieved, I filed XXXX disputes with XXXX and Experian in hope that they can figure out this mistake. I was pretty sure this is due to mistakes of XXXX and Experian because that credit card did not even appear in my XXXX credit report! 

However, when I received the dispute results on XXXX XXXX, XXXX, I was shocked. Both companies told me that they thought the report was accurate and the XXXX credit card that is not mine will remain in my credit report. 

So I called XXXX XXXX XXXX again XXXX ( XXXX XXXX ) and they ( very helpful and friendly ) confirmed that I only have XXXX credit card with them and I am not a co-signer/co-borrower/guarantor for any other accounts. However, they can not take further steps to investigate this issue because I can not provide them the full account number of that suspicious credit card. I could only see the partial account number, not full account number in my report. Unless experian/XXXX provided me the full account number of that suspicious credit card, XXXX can not do anything at that point. 

Thus, I called Experian today to ask for : 1, Full account number of that suspicious XXXX credit card. 
2, If that 's not possible, I want to have more information about the reinvestigation on how they conclude that credit card, which is clearly not mine, should remain in my credit report. 
But the customer service was not helpful at all. He first said he can not provide me the full account number. Then when I asked him to explain the reinvestigation process, he became super rude and avoided answering my question at all. Instead, he kept telling me I need to contact XXXX to solve the problem, not Experian. When I asked him what is his name and employee ID, he hung up my call without a clue. 

Therefore, the current situation is a deadlock to me because Experian/XXXX would not fix the obvious identity theft problem in my credit report and XXXX will not be able to help me unless I provided them with full account number which I can not get from Experian/XXXX.
Product: Checking or savings account

I found out about about my savings account my grandmother had opened for me back in the early XXXX 's in XXXX. The account had originally had been opened at " XXXX XXXX Bank '' in XXXX, Oregon. XXXX XXXX XXXX XXXX Oregon had closed after she had opened it and all their accounts had been transferred to Wells Fargo of XXXX Oregon. My grandmother and I both went into the branch " WELLS FARGO '' in XXXX, Oregon. Sat down with a banker and was informed that my account was nonexistent. At the same time was told that my grandmother had never had a account with them at all, witch wasn't true. I have statements from Wells Fargo for other accounts my grandmother had with my grandfather. I've also went into " XXXX XXXX '' in XXXX, Oregon and they have no record of my account. I've called both branches I don't know how many times now and just today was informed to call " FTC '' and " CFPB ''. I have phone conversations with Wells Fargo recorded where they basically said I was screwed about my account and money that it had been to long and that money had to be in the pot of money that all states have when money goes unclaimed and also that my account had probably been closed due to no activity in the account. Well i thought that it being a savings account their was activity because of the interest going into the account. Well I checked with Oregon and my name wasn't there. So where is my money then? 
I also have another complaint about Wells Fargo. I was informed by Wells Fargo the other day that I had a account opened in XX/XX/XXXX and closed the following day, XX/XX/XXXX. This account was opened without my consent or knowledge. I am very unhappy with Wells Fargo and how they have dropped the ball with not just myself but with my family.
Product: Debt collection

While applying for credit I came to learn that I had a judgement against me from Portfilio Recovery. I immediately disputed the case with the court because I was unaware of this, and the court it was filed in is XXXX miles from where I live. It was filed in the town where my parents live, and my address was listed at my parents house ( an address I have never lived at ). Someone visited my parents house and asked for me, and was told by my mother that I lived in Rhode Island. I remember my mom telling me this years ago thinking it was someone from school. Come to find out reading the documents filed at the court, they stated he left and envelope on my parents door and mailed a USPS first class stamped envelope to the same address. IF he had some such a thing, my parents would have given me an important envelope. Also, it should have been sent certified, anyone can say they mailed something, they ca n't prove they did. I feel that even though they were told that was not my residence, they continued to peruse a suit in that location to force a default judgement against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacted multiple times by phone and XXXX mail from a company called XXXX XXXX. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with XXXX XXXX XXXXXXXX XXXX 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXX  3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. XXXX XXXX XXXX XXXX XXXX license number 7. XXXX XXXX XXXX proof of ownership
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX failure to deposit my direct deposit from my employer XXXXXXXX XXXX XXXX XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I've been going off and on for the last year to my XXXX and have never had a bill. When I did find out I had a bill for a copay which I was never told of. Two months go by and a company started blowing up my phone 2 to 3 times per day. Company name PAYACEI.com. I did finally speak to a rep and I explained what had happened and that I had paid the past due amount of {$26.00}. I check my credit this morning and see that the rep for said company put it on my credit anyway. Its a pain I have been struggling with my health and trying to build back up my credit to a good rating. I have researched this company and found them to be lawless crooks without morals. 

There company info as follows, PayAcei.com ( American Collections Enterprise , Inc ) XXXX. XXXX XXXX XXXX, VA XXXX XXXX or XXXX Thank you in advance,
Product: Debt collection

I was contacted on XX/XX/2018 by Alltran Education about a debt I know that I do not owe to the U.S. Department of education. The supposed principal balance is {$3500.00} with an interest of {$35.00} and added fees of {$860.00}, adding up to a total of {$4400.00}. I know that this is a debt that does not exist, however, because when I log into my Federal Student Aid account thing with my FSA ID it is nowhere to be found. Nothing like this has ever happened to me and I have no idea what to do, so please I need help? I know this debt doesn't exist but I'm still scared. They threatened that my debts would be reviewed for Administrative Wage Garnishment and I could have up to 15 % of my wage be withheld by my employer.
Product: Credit reporting or other personal consumer reports

i am the victim of identity theft, and i see numerous accounts that have been opened fraudulently and tampered with. 

BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$5600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$560.00}
Product: Money transfer, virtual currency, or money service

I was permanently banned from using Paypal account after I tried contacting Paypal about how I was unable to receive funds from a client. I was told that my Paypal has a high potebtial Risk attached to it. I want to kindly plead witb Paypal for a review as I have done no activity that guarantee such as treats. As this cause me not able to receive funds from my clients which I work with as a seller of digital goods like ebooks.
Product: Debt collection

XX/XX/2017 Original Creditor XXXX XXXX XXXX collection agency Resurgent/LVNV Funding. I've disputed this on many occasions stating that I did not open this account with XXXX XXXX, XXXX and XXXX and yet the account remains on my credit file. With the latest news of XXXX XXXX data breach this further backs my complaint. Please advise this collection account be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXXXXXX XXXX XXXX  XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$21000.00}, XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Also Equifax has my birthday year incorrect on file as XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have an hard inquiry from XXXX XXXX  on XX/XX/year> on my experian credit report that was not authorized by me I would like this to be removed asap because this is not right at all I also attached an identity theft report below