23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For years I have been receiving harassing phone calls from Front Line Assets in Delaware regarding an old credit debt ( XXXX XXXX XXXX charge for original debt of {$250.00} ). This card has not been active in almost 15 years! I had reached out to all three credit bureaus and no such debt was found. I also contacted XXXX XXXX XXXX in XXXX MA but they could not find it either. I requested a debt verification letter for years and they still will not send anything in writing to my home. This is effecting my quality of life because they call family members and threaten to garnish my wages and put a lean on my home etc. Its so ridiculous and needs to stop. Please help!
Product: Debt collection

Called company and they were aware it was submitted to insurance wrong. I am 100 percent XXXX veteran and the XXXX XXXX XXXX was paying for all my visits tests etc. I also have XXXX for life.
Product: Credit reporting or other personal consumer reports

I I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. XXXX is governed by 15 U.S.C 1681, XXXX has violated my rights numerous of times. I demand the account below be removed immediately : XXXX. XXXX XXXX Acct # XXXX ACCORDING to XXXX U.S.C 1681 ; I have the right to privacy and I did not give XXXX written permission to furnish these accounts. I have no contract with XXXX. XXXX XXXX. I have no contract with XXXX XXXX XXXX Provide original contract for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on a money lion loan for a few months, in XXXX I paid off the overdue balance for my loan and then I noticed my credit report said it was charged off. Immediately I contacted the help desk and they told me I had no loans charged off or with collections ; then I got a notification that I had a new loan ( I did not consent to this ) again I check in and they said I had one open loan. I since paid it off and asked money lion to reflect on my letter that it wasnt charged off, but they ignore my request and told me to wait for 30 days. They havent addressed my issue, and my XXXX complaint went nowhere- please help me! I have read horror stories about money lion and Im scared.
Product: Debt collection

I moved out of my apartment in XXXX with a {$0.00} balance on my account. Genesis Credit Management called me in XXXX of XXXX to tell me I had an unpaid debt. This debt has never been brought to my attention in three years and the other tenant of my apartment has not been contacted by Genesis.
Product: Vehicle loan or lease

the company is santander consumer USA. the interest rate that was on the vehicle before repossession was 18 % even though i had good credit at the time. i know i had good credit because i had one late payment on my credit report at the time, in XX/XX/2019 or around that time whenever i got the vehicle. i have reported this company to the department of justice state attorney general 's office of north carolina where i reside. during the pandemic i was struggling to make payments because of the high interest rate. there was no way i was going to keep paying over XXXX dollars a month for the vehicle.
Product: Credit card or prepaid card

In XXXX of XXXX. I opened a Synchrony Bank credit card, when I received my bill, I noticed a charge of {$21.00} on XX/XX/XXXX from XXXX XXXX and {$24.00} on XX/XX/XXXX from XXXX XXXX that were not my charges. I contacted the credit card company and told them that these charges were not my charges, and I did not authorize them. Then paid the credit card off. Since then, they have continued to leave these charges on the card charging me astronomical amounts of interest and fees. 
In XXXX. XXXX trying to resolve this. They sent me a list of all charges, that were made on the credit card, along with the payments that were made. Still these XXXX charges are on there. I reviewed all the transactions and agree with all of them except these XXXX transactions from XX/XX/XXXX and XX/XX/XXXX. I have sent the transaction authorized/not authorized list back to the credit card company and still, yet they refuse to remove these XXXX charges and continue to charge astronomical amounts of fees and interest. 
I closed the card on XX/XX/XXXX. The credit card company then took it upon themselves to open another card in my name and transfer these fraudulent charges and fees. And continue to bill me, under a completely different account number. 
Remove fraudulent charges and these astronomical amounts of fees and interest. According to my calculations there maybe a {$90.00} balance. That was put on the card after. XX/XX/XXXX, I don't how that happened because the charge was made, XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

This company is charging people 100 % over the stated interested rates and practicing predatory lending. Example, if you were to borrow XXXX, they will charge you XXXX in interest. This is a scam and not lawful or moral. Please review this company 's lending practices. Help us.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like this item immediately re-investigated. 
XXXX XXXXXX/XX/year> 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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

This is my multiple attempts to inform you that I am an identity theft victim and that I am questioning some records in my paperwork that XXXX have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX FL XXXX XX/XX/year> Hey Credit Equifax, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account XXXX : XXXX / Account XXXX : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling XXXX XX/XX/2015 2015
Product: Student loan

This relates to public service loan forgiveness and credits for the 120 student loan payments that must be made. I am complaining again since the response by Fed Loan servicing was that they will send me a copy of a print out from years ago to address my complaint. Insufficient. I now attach a print out clearly showing dozens more payments toward public service loan forgiveness than the lender shows ( thus making it necessary fgor me to work YEARS LONGER ). I have made payments of over {$800.00} a month for years and have been forced into countless forbearance situations to allow the 3 different lenders servicing my loans since XX/XX/XXXX to address many transitions and failures along the way. I am not getting proper credit for payments I made. I want fed loan servicing to make adjustments to the credits for payments made during forbearance. I am NOT ASKING FOR CREDIT THAT PREDATE THE XX/XX/XXXX PROGRAM. Do n't make that part of your absurdly inadequate response. I can not get a record of payments before XX/XX/XXXX but just since then I show 41 full monthly payments made. I am showing 19 payments made. THAT 'S NOT EVEN 2 YEARS and is a joke as far as even closely resembling accurate records of my payments. It 's not even I request records going back to the beginning of my enrollment and for proper credits to be issued and for the errors of the lender to not prevent credit ( things like putting me in the wrong program, failing to notify of program changes, it taking 4 months to make a determination or a year to transfer records where during those times no payments would be credited ). I will have to join the class action lawsuit requesting judicial relief if this can not be resolved.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the inquirie below XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit fileXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the information contained in my credit report is incorrect and has caused harm to my creditworthiness.

I request that you promptly investigate the matter and correct or remove the erroneous information as required by law. Under 15 U.S. Code 1681o, a consumer may seek damages for negligent violations of the FCRA, including any damages caused by inaccurate information reported to consumer reporting agencies. I am requesting that you conduct a thorough investigation of the information in question and provide me with a copy of the results.

Please be advised that, according to FCRA guidelines, you are required to conduct a timely and reasonable investigation of any disputes, typically within 30 days of receiving this letter. If you determine that the information is inaccurate, I request that it be corrected or deleted from my credit report. I also ask that you provide me with a written response indicating the actions taken regarding my dispute.

In addition to the above, I would like to remind you of your legal responsibility to ensure the accuracy and integrity of the information reported to consumer credit agencies. Should you fail to resolve this dispute in a timely and accurate manner, I may seek legal remedies available under 15 U.S. Code 1681o, including pursuing damages for any harm caused by the negligent reporting of incorrect information.

Please notify me as soon as your investigation is complete. I look forward to your prompt resolution of this matter.
Product: Money transfer, virtual currency, or money service

I was scammed by a Wellsfargo impersonator on XX/XX/year>. The scammer called me using a legit Wellsfargo number that showed on my caller ID. They told me how someone made an illegal transition from my account and the only way to retrieve the money back was to XXXX {$1000.00} to a different account so that the original action would be canceled out. They had the same procedure from the very beginning as though I was speaking to a real banker and even information that I never came to them. So I did as they said, trusting them. 
Then, said how someone was trying to wire {$7000.00} out of my account to purchase Iphones. They told me for them to file a police report I had to file through the Wellsfargo app to report to the police. Mind you, I've had my Wellsfargo account for over 15 years and this was the first time I have ever done a wire so I thought this procedure was normal. After so I realized that I was being scammed I quickly called Wellsfargo to question if that procedure was normal and unfortunately it was not. I have gotten scammed out of {$8000.00}. 

I filed my claim that same day, and 2 weeks later I retrieved partial of my money back from the {$1000.00} XXXX on XX/XX/year>, but not from the {$7000.00} stating how another banker spoke to me saying I approved the transition, but I never spoke to anyone. If that was the case I would have been denied for both claims
Product: Other financial service

A MoneyGram Money Oder was received as a XXXX gift in XXXX. I recently found it while sorting through old XXXX cards and attempted to cash it XXXX XXXX. Due to the {$1.00} monthly " service fee, '' the money order value no longer exists and MoneyGram refuses to honor its own money order. This caused me to incur a Returned Check fee from my credit union which has since been refunded. A fee was paid when the money order was purchased. MoneyGram essentially " stole '' my XXXX gift! 

What monthly " service fee '' does the company incur that justifies {$1.00} per month for a {$50.00} money order? This is tantamount to theft.
Product: Payday loan, title loan, or personal loan

the incident is that Covid came and i loss 60 % of my income and email Conns and advised them of that but i didnt have no luck. i was told i in the i already ask for extension on my payment which it was paid but i dont remember making those arrangement but i ask for options for folks who lost their job or reduce income that cant make their payment. i was adv no options was available. i stop receiving alerts of payment and didnt receiving any calls. so i reach out to them today about options and all they wanted to know when and how much i was paying. this has already impacted my credit but im months behind and was told there still no options just to pay it before it charge off. i need help this is my second account i had this them and i would be current if i didnt had a loss of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on 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 I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed acct below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

UNITED AUTO ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXXXXXX for UNITED AUTO ACCEPTANCE 15 U.S.C 1681 Section602 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 permissions.

15 U.S.C. 1681n ( a ) ( 1 ) 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} 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 more than seven years. 

I have attached several changes that XXXX  has changed info on my credit reports many times. However, this are still incorrect information and missing information the credit bureaus. I attached from XXXX credit reports and current report, also attached letters to that the acct was not verified with incorrect information. They ( XXXX  ) continue to make changes and then on each report and they are mismatch on ever level, as far as, terms, last payment received, major delinquency, first date reported, etc. I gave back the car on XX/XX/XXXX and made the last payment that was agreed upon which posted to account on XX/XX/XXXX. Not in XXXX, there is proof on the XXXX XXXX XXXX  sheet. This was a voluntary repo.
Product: Vehicle loan or lease

XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : 1. The following account is not mine WESTLAKE FINANCIAL SVC Account Number : XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the Description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re- investigation. 
Thank you,