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

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report, as I am a victim of identity theft. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to restore accuracy. 
Please remove the following accounts from my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 SUNRISE BUIC XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I paid on XX/XX/XXXX my American Express credit card bill and enclosed a letter saying to please close my account. I did not want to pay the {$190.00} renewal fee. A month later I received a bill for {$190.00} plus interest. I called American Express and cancelled the card. A month later I received a bill for {$190.00} plus late fees and interest. I called again and was told I can only cancel by telephone, not in writing. No correspondence in writing allowed! It was to late to wave the fees when I called since it was late. I asked why I owed money on a card I do not own. 
They said over/over they can do nothing. 
Since then, my credit score has been dinged for non payment and I owe over {$260.00}. 
American Express on XX/XX/XXXX sent me a letter! I was being told my card would be suspended. What card?? 
I called XX/XX/XXXX and talked " the very highest Supervisor ''. I offered to pay the {$190.00} and wave the fees. I still do not know why I owe at all. I have no card. Again since I have no card, sorry. I will be turned over to collection
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 # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX 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 an 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, credit repair services, or other personal consumer reports

I have 18 unauthorize Hard inquiries on my Transunion, XXXX and Transunion that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XX/XX/2019 as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX , XXXX.XXXX . XXXX Also, Transunion and XXXX hasn't updated my credit report and refuses to add my XXXX XXXX Tradeline account. 

One last thing XXXX, Transunion and XXXX hasn't remove the Derogatory Remarks of late payments of 30-59-60-90 days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX acccount XXXX XXXX ... .I have provide evidence to XXXX and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!
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 Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXXXXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX {$1300.00} Account name : # XXXX XXXX XXXX {$900.00} 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 IN ADDITION TRANSUNION FAILED TO DO AN INVESTIGATION INSTEAD THEY BLATANTLY REFUSED TO HONOR MY REQUEST OF AN INVESTIGATION THUS VIOLATING MY CONSUMER RIGHTS
Product: Checking or savings account

XX/XX/2021, paid XXXX to XXXX XXXX  for a rental car using Chime debit card. Car was damaged in auto accident on XX/XX/2021, vehicle was towed from the scene of the accident. After discharge from the Emergency Department on XX/XX/2021, I attempted to contact XXXX XXXX XXXX, XXXX for a replacement vehicle. I received no response,. After multiple att/empts to contact XXXX XXXX XXXXoncerning a replacement vehicle or a refund of the total amount that I had paid minus the 14 hours that I was in possession of the vehicle before it was rendered inoperable due to the accident, WITH NO RESPONSE FROM XXXX XXXX XXXX, XXXX then decided to move forward and file a dispute of the transaction with Chime Bank XXXX Attached to the dispute was a copy of the police report, which supported all of my declarations concerning this transaction. That I did not have possession of the vehicle due to the auto accident, that I WAS NOT at fault, that the vehicle was towed away from the scene of the accident, the date and time of the auto accident and I also submitted proof of the payment date and amount and the length of time that I had paid for the vehicle. Chime denied my dispute. I was then instructed to submit a rebuttal disputing the decision made by Chime. I did, and included significant proof including screenshots of attempted contact with the company, complaints from other consumers dealing with XXXX XXXX XXXX  found on the XXXX  website. This was completed on XX/XX/2021. It is almost 60 days that we have been dealing with this on-going dispute with no resolution. I have submitted a written request to speak with someone who can actually resolve this issue or make a decision, all to no avail. So, at this point, I have decided to submit this complaint as well as one to the FDIC. I just want my money back because I did not receive what I paid for and it is RIDICULOUS that Chime Bank is telling me that perhaps the hold up could be that the merchant is not cooperating. I am physically XXXX and I live on a fixed income. This is defrauding and deceiving a XXXX individual and a felony in my home state of Georgia.
Product: Mortgage

Hello Plaza Home Mortgage.In your letter dated XX/XX/2019 you gave to the CTPB untrue information.You never ever put my {$2000.00} deposit into an XXXX papers. 
So please send me a {$2000.00} check to my address or add to total loan, before i will take legal action against you. 
XXXX XXXX
Product: Vehicle loan or lease

They have problems with XXXX XXXX XXXX about the title
Product: Debt collection

I had received a notice form D & A Services to collect a debt. I sent them a certified mail that was received on their end on XX/XX/year>2025 requesting to validate the debt including Complete break down of debt, proof of ownership and legal authority to collect debt, a breakdown of the debt, verification of debts validity, statue of limitations and their licensing information. I have yet to receive any of the requested information and I keep receiving phone calls from this Collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. Despite previous attempts to resolve these issues, the inaccuracies persist. I am requesting an immediate investigation and correction. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly damaging my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When attempting to get a personal loan, I was told my credit was froze, then I proceeded to get a credit report and Equifax show my credit as XXXX, although XXXX and XXXX have my entire credit history, I then called equifax to try to solve the problem, they told me to send in some information, which I did to the address they provided me. I called a week later for an update and was told to wait a few days because they were working on getting my information into their system. A few days pass and I call back, Im told they havent received anything from me and still have no information, I have been going in circles with Equifax for a month now and I have spoke to no one who has helped.
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, Account number : # XXXX, Account name # XXXX  XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name XXXX XXXX XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXXXXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX  Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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, 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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. 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. 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: Debt collection

I am constantly getting in collections from XXXX XXXX from different collections agencies. I am unaware of why I have a XXXX XXXX collection and I have never applied for them. I need this off my collection from all 3 credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$150.00}. This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are XXXX late payments being reported. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Equifax Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Basis : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe. 

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

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

NCB Management Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX NOTICE OF DISPUTE To : NCB Management Services , INC., agents, representatives, & employees I, XXXX XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. 


Sincerely, XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XXXX at XXXX XXXX. received emails from Bank of America ( BofA ) to confirm my email address ( I did not ) and that my credit card application had been received ( I did not apply ). I also got a text and email from XXXX that there was a new inquiry from BofA. I attempted to contact BofA but could not reach a person due to not having account information with the bank myself to get started with the telephone prompts. I called XXXX who wanted me to try to resolve with the bank first. ( Both XXXX and XXXX blocked the inquiry because I had those accounts locked. ) At XXXX XXXX. I received an email from BofA that my credit card application had been approved. So I drove to a local branch who gave me more telephone numbers to call. I finally reached a person but it was the wrong department, was given another number to call but now I had to wait until the next day due to the time difference and their hours. 
On XXXX I reached a person who was able to help me, ultimately gave me a XXXX XXXX and confirmed that the mailing of the credit card had been stopped. Further, this person initiated a " Credit Bureau Dispute '' on my behalf. 
At XXXXXXXX XXXX. another email from BofA came in that I did not see until the morning of the XXXX, telling me the new credit card had been mailed to me and the address it was mailed to ( not mine of course ). 
On XXXX I contacted my local sheriff 's office and an officer came to my home to take my complaint and assigned a Case number to it.