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

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records
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. 

Item XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$570000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$570000.00} Late/Opens that need attention :
Product: Vehicle loan or lease

On XX/XX/23 I called nissan motor acceptance multiple times and they were not helpful at all.
Product: Debt collection

I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. The status of each accounts is unclear and inaccurate. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXXBalance : {$950.00} XXXX XXXX  XXXX Balance : {$890.00} XXXX XXXXBalance : {$4200.00} XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter.

This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant.
Product: Debt collection

Collection Agency stated that I attended XXXX XXXX XXXX and owe XXXX for not completing. I never had any need to attend this school. I have a High School XXXX and a XXXX degree that was obtained in XXXX. This is erroneous and frivolous. As well I disputed with all XXXX credit bureaus. Its interesting that some was able to say it was verified as mine! others deleted as it was not able to be verified. Whats going on!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

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

Since XXXX, I have had this complaint with the XXXX XXXX  XXXX XXXX XXXX ( XXXX ) in XXXX, Virginia. XXXX reported to the credit bureaus two months of late payments for my mortgage during XXXX and XXXX. I had closed on a mortgage loan with XXXX XXXX in XX/XX/XXXX. 

I called and spoke with a XXXX  mortgage representative who advised me to contact XXXX XXXX. XXXX XXXX told me that my loan had been satisfactory closed and emailed me a copy of my credit report on XXXX ( pg 2 ). I also had my closing disclosure for verification. I proceeded to email XXXX on XXXX ( pg 2 ) and never received a response. 

In XX/XX/XXXX, I received from XXXX just the certificate of satisfaction from XXXX in an envelope with no correspondence included ( pg 1 ). After receiving the certificate of satisfaction, I called XXXX mortgage services office to please clarify and explain to me why my account still reflected a mortgage balance. I was told again that I needed to contact XXXX XXXX. I was totally frustrated and XXXX I later sent another email to XXXX XXXX on XXXX ( pg 3 & pg 4 ). 

I want to refinance but unable to refinance due to my low credit score.
Product: Student loan

These are XXXX XXXXNavient loans that I paid on for over ten years and the balance is still very close to the original amount. I saw this on the XXXX XXXX and said I am XXXX of those people. Where did all of the money that I paid into it for 10 years go? They, repeatedly, offered forbearances and said it would just be an extra payment at the end. There were times were I would make a payment and it just disappeared. I would be forced to make another payment, the next week. They were very deceptive. The loan was sold multiple times and often felt that I was being lied to with no one to get a real answer from. I paid on XXXX accounts for ten years and the total is still near its original balance ( {$11000.00} )! These now show up as closed-derogatory student loans with an {$10000.00} balance. I paid on them for ten years and paid down {$500.00} I just got a call from XXXX XXXX from XXXX XXXX XXXX who said they were with Navient and looking to settle at a drastic reduction, however, the words and actions of the person that contacted me on the phone made me unsure of their validity. 

These multiple loans have kept me from getting into a home for ten years. I, finally, have some XXXX to listen. As much money as I have paid to this loan, I would like for it to be resolved and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX  for sending numerous unsolicited emails after I had already closed my account and reached an agreement that I had no remaining obligations or knowledge of any outstanding matters. Despite this, I continue to receive repetitive and intrusive emails that are causing substantial inconvenience and distress. 

These actions have shaken my confidence in extending credit relationships, as I believe my account should have been fully resolved upon closure. I have attached copies of the emails for reference, which demonstrate a pattern of unnecessary and unwarranted communication. I request immediate intervention to ensure these emails stop and that XXXX XXXX adheres to proper account closure protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed inaccurate information reporting on my credit report and they are not removing this account from my report.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX XXXX XXXX u.s. military veteran with disability.i had account with XXXX called " Crypto.com " about a month ago I bought around {$120.00} worth of coins And it has grown to {$220.00}. On the night of XX/XX/XXXX XXXX pm when I checked my Account all the money was gone and it says " adjustments and debited '' I am not Familiar on this products and not knowledgeable about this at all, I did not authorize this action at all, I do not know where my funds went and what happened. 
I am XXXX  with XXXX XXXX and currently living in fixed income poverty level, I was trying to talk with these people but after few exchanges they don't respond no more. 
I hope you help me and punish these people for what they done. 
Also what I really worry about is they know All my personal information including social security number. Thank you please help me.
Product: Mortgage

I was looking to purchase a home and on XX/XX/2021 I contacted XXXX XXXX a Morgage Agent working for Celebrity Homes XXXX under the supervision of XXXX XXXX. everything started well after running my credit XXXX reach out to me and told me that I was pre approve for a loan of up to {$330000.00}. I started the viewing of the houses and finally put an offer on a house. the offer was accepted on our offer and started the paperwork on XX/XX/XXXX, XXXX as days were going by and time after inspections and the signing of all the paperwork I was told that something came back on my cavers credit report and that they did not know what it was and had me for days trying to figure out. by then the due diligence expire and the seller wanted to cancel the sell. I was advice that we just needed a couple of days to close and ask to have the seller extend the closing on the sell. they accepted only if we were to add another {$2000.00} on top of the original {$3000.00} down payment deposit that was put on XXXX to start the loan process. XXXX, XXXX and the XXXX team employees of Celebrity Home XXXX advice me that there was no problem and my loan was almost done and I could go ahead and wire the other {$2000.00}. again the extended time came and the sell was cancel on XX/XX/2021. I lost over {$5000.00}, and my time I ended having to go to my doctor with a stress rash that I still have markings on my back. because of Celebrity Home employees negligence. back in XX/XX/2021 I email XXXX XXXX, XXXX XXXX and XXXX XXXX employess of Celebrity Homes XXXX and demand a refund for the money lost. I did not hear anything until XXXX call me on XX/XX/2021 and admitting of the wrong doing and that he was going to do the right thing and refund me the money lost but that it was going to take time and they needed to figure out how they could do it. he told me the fastest way was for then to become by lender and if I was still interested on purchasing a home that they would give me a Lender credit of {$6000.00}. I requested for him to send it to me in writing and on XX/XX/XXXX I received and email where he promise to credit me back for the money lost when the result of the cancelation of the escrow. and he ask me to give him until XXXX for my credit to go up and so that we wouldn't have any problems approving me for a loan. On XX/XX/XXXX XXXX texted me that he had quit his job with Celebrity Homes and that I could continue waiting and see if Celebrity homes was going to credit me but that he doubt that they would even call me. he also ask for me to wait for him practically another month and that he would try to help me. I have reach out send another email now to 3 different people including the owner of Celebrity Homes XXXX on XX/XX/XXXX and XXXX demanding and answer as to what is going to happen and that I need my money to be refunded. I have not heard from them. I need help or legal advise to see if I could get my money back. the money lost is worth over 2 months of my salary.
Product: Student loan

I am filing a formal complaint against Aidvantage for fraudulent reporting, failure to verify borrower identity before transferring and reporting my student loans, and severe damage to my credit score due to these errors.

Key Issues with My Account : Aidvantage reported my student loans under an incorrect name, which is NOT my legal name.

Aidvantage also reported an incorrect birthdate, further proving that my account records were transferred inaccurately. 
Due to Aidvantages failure to verify my correct identity before reporting the debt, my credit score has dropped XXXX points. 
I never received proper notifications regarding these loans, as they were sent to the wrong address due to the incorrect name and birthdate. 
Under the Fair Credit Reporting Act ( FCRA ), inaccurate and unverifiable accounts must be deleted from my credit report.

Formal Request for Resolution : 1 Full deletion of this account from my credit report due to identity misreporting. 2 A complete investigation into ho
w Aidvantage transferred my loan without verifying my correct identity.

3 Written confirmation that this debt has been removed from all credit bureaus ( XXXX, XXXX, and XXXX ). 

Legal Basis for My Request : The Fair Credit Reporting Act ( FCRA ) requires all debt reported to be accurate and verifiable. 
Since Aidvantage failed to confirm my correct name and birthdate, the debt is invalid and must be deleted.

Due to Aidvantages mismanagement and failure to notify me properly, I have suffered significant financial harm. 
Next Steps If Not Resolved Promptly : If this issue is not resolved immediately, I will take the following actions : File an identity fraud complaint with the Federal Trade Commission ( FTC ). 
Escalate this case to the XXXXXXXX XXXX XXXX XXXX 
Seek legal action for damages under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

I expect a full deletion of this fraudulent reporting and written confirmation of resolution within 30 days.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Checking or savings account

I had a bank account at Suntrust, now Truist Bank, which was closed and the funds frozen, where at the time the account was frozen it had a balance of at least {$79000.00}. Said account was closed by unilateral decision of the Bank on XX/XX/2021 and I was notified by communication of that date indicating that the Fraud Department in a standard review determined that it was necessary to close the account, they do not indicate the cause, reason or circumstance for your decision to close the account. 

At the time of closing the account, the balance was {$79000.00}, an amount that after more than 23 months has not been delivered or returned. I have had several discussions with your Fraud and Customer Service Departments, in an attempt to access the funds, all of which were unsuccessful. 

With the little information that they have provided me, I can not find a legal basis that allows the Bank to freeze the funds improperly and indefinitely without even giving a formal explanation. 

I have consulted with an Attorney who has told me that withholding and not accessing funds may constitute civil theft, misappropriation, unjust enrichment and unfair trade practices, and violations of other state and federal laws.
Product: Debt collection

Since XX/XX/XXXX I have been receive phone calls from a company called XXXX XXXX. First call was to let me know about what they had in their offices. I then told them to please don't call me again but there have been three other phones calls since then. They use a robot call to bait you into having to speak to a real person. The second time they called me I did mention to them that I asked not to be called again but no one seemed to listen as person after to person hung up on me. O called them three times to make sure they knew not to call me again but that didn't stop them because to other attempts were made. If you have rights and you enforce them then way don't they listen?