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

Please remove the following items off my credit file. The items on my credit report are reporting different on Experian and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Product: Student loan

Great Lakes/Department Of education and XXXX still reporting to my credit report as unpaid. These accounts were paid in full and reported as paid in full to all credit reporting agencies. I originally requested the original contract with my wet signature in exchange for the accounts to be paid in full. over the last year both companies have refused to provide the original contract thus refusing payment. A payment was made in full anyway XXXX of 2019   and reported as paid if full on my XXXX XXXX and XXXX  credit report. ( see reports below ) There was also two recorded calls with XXXX   Manger and XXXX  Manger confirming all student loan accounts along with XXXX XXXX and XXXX were also paid in full. ( see recording and reports below ) XXXX, XXXX, XXXX, XXXX  and Great Lakes/Department of education started to report the accounts that showed paid in full closed XXXX and XXXX of 2019  as not paid with the full balance due. These accounts are fraudulent being reported and I was never notified that they have updated or made the change to report the full balance again. XXXX and Great Lakes has refused payment and never complied with my request even after payment was received and reported. 

Failure to notify me that these accounts will be added again with the full balance is a violation of my rights and I demand that my credit report show and reflect the payment that was made and not returned. 

There has been no response from XXXX and Great Lakes has only sent statements but my original contract as requested. The credit agencies recently received detailed packets which included flashdrives with the recorded confirmation from their managers that these accounts were paid in full and closed. 

The full packet that was sent on XX/XX/XXXX to all credit agencies included the recording and copy of credit reports from XXXX and XXXX showing Paid in full.
Product: Debt collection

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
DISCOVER BANK XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  SC XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX XXXX XXXX : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX & XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ConServe, a debt collection company, sent a letter dated XX/XX/2022 to my employer ( XXXX ) to garnish my wages for a debt in the amount of {$1400.00} that my father, who has the same name, had incurred with the U.S. Department of Interior XXXX Bureau of Land Management in XXXX OR where my father owns a piece of land that he had a contract for access rights. I do not own any land in OR nor have I ever been to XXXX, OR, and I was not a party to this debt in any way. 

ConServe took this action against me without a court order and without notifying me in advance of the existence of this debt, as all previous correspondence had been sent to my father. I became aware of this letter on XX/XX/XXXX when XXXX payroll sent me an email about it. I spoke with representatives from ConServe over the phone on XX/XX/XXXX to ask about the nature of the debt. When they mentioned it had something to do with the XXXX in XXXX OR, I suggested that this was likely related to my father to which the male representative responded they had " verified my social security number with the Dept. of Treasury '', which I discovered when speaking with the Dept of Treasury hotline ( after being on hold for 3 hours ) was not true as the debt provided to ConServe never included my social security number. 

I later obtained letters from my father and spoke with ConServe again on XX/XX/XXXX, providing them both the letters as well as proof of the debts being paid in full on pay.gov, where I was reassured that ConServe would cease garnishing my wages, but this did not happen. I spoke to them again on XX/XX/XXXX, but by this time it was too late and the full amount would still be garnished from one final paycheck.

The amount illegally garnished from my paycheck, for a debt that wasn't mine, is on top of the full amount that my father owed ( and paid ). 

The dollar amount in dispute is {$1400.00} plus {$25.00} in interest ( 5.45 % rate for 4 months ) = {$1400.00} My wages were garnished in 2 paychecks ( XX/XX/XXXX and XX/XX/2022 ) There was no product, I never signed any contracts with ConServe or the XXXX. 
I have not contacted any agencies or attorneys, there is no court action pending or previous lawsuits.
Product: Credit reporting or other personal consumer reports

Date XX/XX/year> Institution Information PENTAGON FCU XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This appeared on my credit report but I did not contact them for credit nor have I used them for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$7500.00} WF EFS XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$7200.00}
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing a submission of complaint today for 12th time as a follow up regarding the dispute the fraudulent items on my credit record. I insist immediate removal of these items from my credit reports. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), it is the duty of the credit bureaus to ensure the accuracy of the information they furnish. Once again, these fraudulent items are evidently inaccurate and are detrimentally affecting my creditworthiness. And I have already provided all necessary documentation to establish the fraudulent nature of these items. I even have formally requested the responsible creditors to investigate these fraudulent items and REMOVE them from my credit reports. I once again demand to the XXXX, XXXX and TransUnion Credit Bureaus to remove these fraudulent items from my credit report expeditely, and provide me with a written confirmation of the removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX was sent a police report and cleared the account from my name and stated they removed all information and cease collection due to identity theft. However have sent the account to collection. This account needs to be removed immediately from XXXX XXXX XXXX and all credit reporting agencies otherwise I am seeking damages for the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent, significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Documentation from the XXXX XXXX XXXX confirms that these debts have been consolidated attached.
Product: Credit card or prepaid card

I received an alert call from Citi fraud department on XX/XX/18. I was informed that there was a suspicious activity of {$530.00} on my card at XXXX  store. I informed the representative that I didnt use the card and the card was in my possession physically all the times. My account was closed and my card was replaced immediately. The Citicard pay me back of {$530.00} right away, as it was fraud. However, I was charged the {$530.00} back in XXXX. I called CIticard again, and I was told again the credit would be issued back to my account. No credit had been issued till XXXX and I called Citicard to follow up on XX/XX/XXXX. I spoke to a representative named XXXX, who was extremely rude, he told me How could you claim it as fraud, if you had never lost your card. He judged me as a scammer, and I was truly shocked. Escalating the issue to the supervisor named XXXX, I was told that fraud claim had been denied because I had never lost my card, and the transaction was physically made at the store. He was very proud to say that their cards can never be duplicated nor counterfeit. They insist they have PERFECTLY secured security system, even I was a victim. I did my research, and I was not the first victim of these issues with Citicards. They simply deny to investigate their own security system, and blame the frauds to consumers, so they don't have to take responsibility. From the supervisor named XXXX, I received the address, so I could write a letter to Security operations manager. I sent a certified mail to the manager, who has never replied back to me. It was such a traumatic experience with Citi, the company that I trusted for such a long time.
Product: Checking or savings account

I was in the process of evicting due to Hurricane Laura and tried to book a pay at the property hotel. I booked the XXXX XXXX via XXXX and it was indeed a pay at the property hotel. Upon reserving my room the company charged my card which was against XXXX policy. I attempted to reach out to the company via phone on XXXX but was unsuccessful due to them disconnecting their phone line. I reached out to booking on XXXX as well and they was also unsuccessful with reaching them. So I filed a claim to cancel my booking through the company because they violated a legal policy by charging my card before I even got there. And again they was unsuccessful reaching out to someone at the property because they refused to answer the phone. I shouldnt have been charged anything thats the purpose of booking with the company I used for security purposes. Not only did they charge me before I got there but they refused to even acknowledge the fact they was in breach of contract with booking. I didnt stay at the property me and my family was evacuating from a hurricane and I believe this property was using that situation to defraud evacuees. Ive taken this matter up with our Attorney General and I would like to be refunded all of my money due to the fraudulent handling of this transaction. Im a XXXX single mom of XXXX  and can not afford for anyone to scam and commit fraudulent acts against me Im asking for a favorable decision because they violated legal policies.I reached out to my bank ( Chime ) on XXXX and eventually I had to file a claim to get my money back. I provided them with my XXXX policy info the email from the hotel stating that I will pay at the property and their own company policy with XXXX that once again states that I would pay at the property. My bank decided that no error happened and is allowing the transaction of XXXX to be finialized even though 1. They shouldnt have charged my card. 2. I did not stay at the property 3.  The literally violated not only XXXX policy but their own.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XX/XX/XXXXXXXX Balance : {$49000.00} XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXX/XX/XXXXXXXX Balance : {$50000.00} XXXXXX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$4500.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXX/XX/XXXX
Product: Student loan

I am unable to view transactions on my account prior to XX/XX/22. 
There is no payment history which allows me to see where and when MY payments have been posted. 
I have reviewed the data since XX/XX/22 and at least half of the payments do not appear. 
I need an accounting of all my payments on this account. 
I have paid {$3900.00} and the student is paying as well, and Sallie Mae is impossible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and Equifax responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( 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.

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.
Product: Credit reporting or other personal consumer reports

I told them to take out the payment every month automatically I gave them my back information 8 times and the 8 times they got it wrong. They were reporting to my credit report that I was paying late.and charging me extra late fee. I finally spoke the loan manager and gave them the information and I was never late. What I need is to take those 8 late payment from my credit report off.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report, and not to be VERIFIED nor UPDATED. 
Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # XXXX Account : XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy with Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX  XXXX  account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00} XXXX : XXXXXXXX XXXX XXXX account XXXX amount {$89.00}, XXXX XXXX XXXX account number XXXX account charged off amount {$16000.00}, XXXX XXXX XXXX account XXXX account charged off {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Notice : XX/XX/XXXX There is information on my consumer report that are the result of identity theft. I did not provide written permission or instructions for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on a material misrepresentation by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction made by me the consumer! ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT XXXX ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT DATE : XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT DATE : XX/XX/XXXX, XXXX are required by Federal Law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the Date of this notice. Looking forward to your response. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF ED/XXXX ACCT # XXXX XXXXDEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. CHILD SUPPORT ENFORCM ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX BILL DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN FOUR DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.