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

I'd like to appeal the inclusion of inaccurate information on my credit report, which has resulted from identity theft. I request that you promptly investigate and remove the following false information from my credit report for I have already submitted their requirement and that is to file my complaint in Federal Trade Commission or FTC. I am a victim of identity theft, and I have no knowledge of how my personal information was compromised. Furthermore, I have no awareness of any suspects involved in perpetrating this crime. It is important to clarify that I did not obtain any financial gain, goods, or services as a result of this identity theft. The fraudulent accounts and activities reported on my credit file do not reflect my financial behavior or history accurately. I respectfully request that Experian block and remove the inaccurate information associated with the fraudulent account from my credit report. 


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

Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my equifax credit report!!!
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 of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Mercury XXXX, has failed to validate and verify know your customer laws They have violated the FCRA by turning off access to my tradeline
Product: Debt collection

Received a call on my work phone ( government employee with a private number ) at XXXX AM CT, XX/XX/XXXX. I notified them that this was a government line and that it was inappropriate to contact me at this number. The man said I needed to confirm my date of birth, address, or social security number. I declined to do so and asked for his supervisor. When I was transferred to the " supervisor '' I was again asked to confirm my date of birth, address, or social security number. I told him I would not be confirming any personal data via my work phone, again reiterating that it was highly inappropriate for them to be contacting me on a government line. He said he could not move forward with anything until I confirmed my personal information. I stated that this was harassment and that receiving debt collection calls at my workplace disrupts my professional environment and interferes with my ability to perform my job duties. Discussing personal financial matters, including debt, in a workplace setting can compromise my privacy and lead to potential embarrassment or professional repercussions. This is particularly concerning in a government setting, where maintaining a professional reputation is crucial. Repeated calls from this collector could potentially jeopardize my job security, especially if such calls are perceived as a misuse of government resources or if they interfere with my work performance. 

They have repeatedly called my mobile ( personal ) phone, texted, and emailed ( XXXX emails ) me as well, during work hours, and a few times late at night, close to XXXX PM while I am putting my young children to bed. Excessive and intrusive communication methods, such as contacting me through multiple channels late at night, is unfair and abusive. Constant communication at inappropriate times is causing emotional distress and affects my overall well-being. I feel that they are conducting their business in a manner that unduly distresses and intimidates me. 

They called me 3 times XX/XX/XXXX, and again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and so on. This is beyond harassment. Each time leaving a voicemail. 

The company is XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX- both calling regarding the same medical debt from my infant 's emergency hospitalization at XXXX weeks old.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and I show inaccruate account information listed. Account Name XXXX Account number XXXX is listed as a charge off account and this account has been paid as agree and XXXX  advised this account will be deleted and still has not deleted this account due to successful payment. Please delete this account.
Product: Credit reporting, credit repair services, 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 To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I make a payment of XXXX XXXX It was in XX/XX/XXXX. The company called XXXX XXXX XXXX XXXX never sent me anything of my purchase. In XXXX, I received a tracking number from XXXX, but XXXX XXXX XXXX XXXX only print the label and never drop off the package. Two months ago approximately XXXX XXXX XXXX XXXX respond an email saying to me that I need to contact XXXX. XXXX never received my package, they told me. I need help please, this company has been very unreliable.
Product: Credit card or prepaid card

I tried to fix this and contact the company on Monday XX/XX/XXXX, XXXX. I tried three months ago. I honestly, had forgotten about the bill as-well. But, they won't let me pay it directly from my bank because they say it's been denied. Than how am I supposed to pay it? I don't have an alternate bank account I can pay it with and that's hyper unreasonable to ask.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments Ive attached a copy of my report to this complaint on the following date XX/XX/year>. I'm now requesting ou investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Vehicle loan or lease

I contacted Wells Fargo Dealer Services to discuss my auto loan due to my vehicle repairs being above the value of the car and the amount I owed. I originally asked for a settlement on my loan on XX/XX/18. The next day a representative called to say I was offered a settlement of {$4500.00} a savings of approx. {$800.00}. I stated I would need to think about it. I called again on the XX/XX/18 and asked for a lower settlement of {$3700.00}, I was told it is not negotiable. I called again on XX/XX/XXXX for the settlement in writing I was told that I could not get that because I did not accept the settlement. In turn I accepted the offer and then was told I still couldn't get it in writing because I didn't pay it yet. On XX/XX/18, I paid the account at the local branch and the teller informed me my balance was around {$5200.00}. I told her that is my payoff not my settlement. The banker called dealer services to inform them that I in fact made the payment and asked if I could get something showing it was paid as agreed. They told her there was nothing that I could get but they saw the settlement offer and I would receive a letter and title in the mail. The following day I checked my account online, my payment showed has a very large regular payment with part going towards principle and the rest going towards interest. I called, they said it would take a few days but would be fixed. I checked the next day and the payment was adjusted however, the loan is still not showing it is settled. The account is showing a balance of {$800.00}. With another phone call I reached the " office of the president '' I was told that the issue needed to be researched and someone would call me within 48 hours. I received a call on XX/XX/XXXX and XX/XX/XXXX to have to restate my issue again resulting in another stall tactic saying they would need to research this issue. I called for an update and was told they were needed to speak with the person that offered the settlement and to give them more time. After calling for another update on XX/XX/18 I was told that they spoke with the person that offered me the settlement but they are searching for the " document ''. I asked why we can't find whatever it is we are looking for I did not get a straight answer.
Product: Credit card

I was told that I have a judgement against me for a credit card in the amount of {$1500.00} that was supposed to have been opened in XXXX in my name. And that statements were sent to my address and payments were made, but not by me. I was also informed that they can not show proof that I signed an agreement, due to the possibility that the credit was most likely done on a computer or online. I advised CC company that I was a victim of identity theft and filed a police report in XXXX, and that I also had the credit bureau dispute negative reporting on my account, and they were successful of removing negative accounts that were not mine, based on my police report. They are not allowing me to send a copy of my police report. I know that identity theft is on the rise, who would have known that I would become a victim. 

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

Approximately 6 years ago I had a dispute with XXXX a mobile service company They could not verify a final balance and next I knew it was in collection way over the amount I expected ..I contacted them about this, had to change service because their system did not accommodate my phone They put it as resolved but derogatory ..on XXXX XXXX credit report Approximately a year ago I was contacted by a collection company. On investigation it appeared to be a phishing scam and was not reported so I assumed that is what it was Now it appears to be on experian Very concerned because there have been this kind of phishing going on in other area of my public profile It comes up as XXXX XXXX XXXX XXXX In the amount of {$510.00} Please let me know the result of your investigation XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I sent 2 checks to select portfolio 1 ) XXXX check to principle 2 ) check also for XXXX for XXXX monthly payment. Company did not apply XXXX to principal as directed and is skewing interest vs remaining principal!! I have called several times to correct!! So payoff balance is XXXX higher then it should
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute negative remarks on my credit report resulting from a data breach involving my Social Security number. My personal information was compromised, and as a result, fraudulent accounts and charges have been made in my name.
Product: Credit card or prepaid card

On two separate occasions I used my Visa Debit card issued thru Wells Fargo to pay for a stay at XXXX XXXX XXXX. I had to prepay for the trip and I completed payment in XXXX of 2019. I went on the trip in XXXX of 2019 and the services was misrepresented nor did it complete services as describe and as I paid for. I called to place a dispute however Visa declined my dispute staying that with Debit card purchases since I stayed there and it was a debit card I used there was no dispute rights. However I have video, emails, pictures and all information requesting to have accommodations and corrections made. The vendor did not respond or correct any issues. Also accordingly with the dispute the merchant even though it was a debit card used my card as a credit card and thus it was ran thru the credit card processing system as use a credit card not requiring a PIN for the purchase therefore I an supposed to be given the same dispute rights and protection as if it was a credit card. Visa non has Wells Fargo do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I received your correspondence on this alleged account stating you verified/ updated ) this account. 
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely XXXX off.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I noticed that certain items are incorrect and need to be updated or deleted. XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX XXXX Balanced XXXX XXXXThis account is reporting inaccurately LOOK AT THE BALANCE IS XXXX please remove the late payment.. XXXX XXXX XXXX  Balanced XXXX XXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXXXXXThis account is reporting inaccurately please remove the late payment.. XXXX XXXX Balanced XXXX XXXXXXXXThis account is reporting inaccurately please remove the late payment.. XXXX  XXXX XXXX Balanced {$0.00} This account is inaccurate please delete. XXXX XXXX Balanced {$0.00} This account is inaccurate please delete.
Product: Credit reporting or other personal consumer reports

I found out that i was a victim of identity theft in XXXX, ive been working with the bureaus but they have not been very helpfull. I have tried to remove this fraudulent account but it hasnt worked. I finally contacted XXXX XXXX directly and they agreed to delete the bankruptcy.
Product: Debt collection

I am in receipt of a letter from Portfolio Recovery Associates that alleges I owe a debt of {$1000.00}. I don't owe any debt. Pursuant to 15 U.S. Code 1602 ( o ), the social security card belongs to the Social Security Administration and I am an administered agent. Therefore, as an administered agent I don't own or owe any debt attached to it. 

The letter also states that Portfolio Recovery Associates validated the alleged debt, but as the consumer, I am the only one who can validate that debt. The debt is not mine. It is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXX XXXX XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. 
Personal information is wrong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I never lived at this address, please remove immediately! 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS appeared on my credit report. It shows a medical bill from mercy hospital. I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS medicaiad and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked ARS for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXXl really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
Product: Credit reporting or other personal consumer reports

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to investigate dispute because they claim they investigated it in 2015 there are two loans on this account that are over seven years old and still remain on my credit report I asked them to delete them and I got no response from my written dispute to their company which is XXXX credit reporting