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

To Whom it my concern, I am looking over my credit report and I noticed there was collections from XXXX XXXX XXXX for the amount of {$700.00}. I am also looking at the original creditor and this was all settled years ago. It had to do with glasses that I had purchased but returned for some odd reason it never came off my credit report when i had called them years ago XXXX XXXX agreed that this would be removed. I had thought it was due to there word. I have no dealings with XXXX  and I do not feel I owe them money under the fair credit reporting act. I never signed any documents with them and as for the original creditor I don't owe the money. Today is XX/XX/2022 this happened over 5 years ago and was all suppose to be fixed with XXXX
Product: Mortgage

My Mortgage serving was bought my chase after Washington Mutual failed. Since then I have had much trouble in securing information from Chase. Every time I ask for information from Chase they send it to my old attorney ( XXXX XXXX ) who is off the case since XX/XX/2015. Some information has been received that is incomplete and inaccurate. XXXX XXXX assures me that he has written to Chase many times asking for this to stop.
Product: Credit card

Paypal issued me a credit card for which I did not apply and began charging late fees even after the initial charges were paid. I did not request the credit card and they continue to charge late fees on an " outstanding balance '' that consists of monthly late fees, not purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 XX/XX/XXXXXXXX Please remove the following accounts from my credit report! 

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

AS OF XXXX XXXXXXXX XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE
ACCOUNT NAME: CAPITAL ONE
6 LATE PAYMENTS
Credit usage
100%
Balance XXXX  Balance updated XXXX XXXX XXXX  Credit limit XXXX  Account number
XXXX
Open/closed
Open
Date opened XXXX XXXXXXXX XXXX
Account type
Credit card
Status
Open.
Status updated
XXXXXXXX XXXX
Highest balance
XXXX
Monthly payment XXXX
Last payment date
XXXXXXXX XXXX XXXX  Contact info
Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Phone number
XXXX XXXX
THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS 
AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL...SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX points was deducted on XX/XX/2023. According to XXXX, they have updated records which shows that I am up-to-date. However, the credit report still removed XXXX points which needs to be corrected because its not accurate information.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Debt collection

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX XXXX SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I By law, Part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an XXXX XXXX XXXX of XXXX credit monitoring and identity protection services through XXXX. The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to file a dispute with Experian. I am having a problem submitting a particular account for verification with Experian. 

The account is XXXX / XXXX XXXX for the state of Washington. They are reporting a late payment for XX/XX/XXXX. 

When I attempt to dispute the account online, the system is telling me that they wo n't dispute the item since it was verified as accurate in XXXX. I am disputing a late payment in XX/XX/XXXX. So Experian is saying I disputed a late payment in XXXX back in XXXX? How would I have known this payment was going to be late at the time? 

When I attempt to call Experian, the system says I can not talk to a person. The system tells me that I need to send my request in writing. I am paying {$29.00} a month for their credit monitoring service. I should have the ability to talk to somebody about my account. There is absolutely no reason why I should not be able to talk to a person at Experian about this. 

I attempted to contact another telephone number at Experian. Once I verify my identity, the IVR says it is transferring me, then I get two beeps and it hangs up on me. 

The dispute is simple. The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment was not late. I can supply documentation in the form of payment history to support this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My husband and I applied for a mortgage with Navy Federal Credit Union XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. 

However, on XX/XX/2022, Navy Federal pulled our credit again WITHOUT our consent or awareness. The Navy Federal lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to XXXX ( not XXXX or XXXX ), and only for me, not for my husband. 

To date, and thanks to our own action, XXXX and XXXX have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. 

We are requesting that Navy Federal Credit Union perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. 

Attached is the email communications with the NFCU representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I am writing to figure out if a company fraudulently used my checking account by gaining access and ultimately wanting me to pay a surcharge of {$25.00}. I've attached an email I received and could not get an answer by contacting the company or both of my banks. I've spent hours on this and don't know another option. On XX/XX/XXXX I made a gas transaction at a XXXX XXXX gas station in XXXX, Az. I paid for the purchase with my XXXX XXXX XXXX XXXX XXXX XXXX which is linked to my checking account and allows me to get a discount on gasoline. I signed up for this card in XXXX using my XXXX XXXX XXXX XXXX checking account and provided the routing and account number. I signed up through the company they use called Zipline ( XXXX  ). The process involves them making 2 small deposits of a few cents to verify the account. Once they did that, I responded to an email to complete the process and everything went smoothly for years. With the high cost of gas recently, I decided to use my XXXX XXXX card along with earned points from a grocery store named XXXX 's in the area. By doing this, I was able to fill up my tank for $ XXXX instead of {$5.00}. On XX/XX/XXXX I received an email from XXXX, a debt collection company on behalf of my transaction. They pointed out that I need to call and set up payment for the denied transaction and a {$25.00} surcharge. I contacted my XXXX XXXX XXXX XXXX and they could not find any denied transactions on my account. I then called XXXX and told them what my bank found. After going around the mountain several times, XXXX advised me that this was involving a XXXX account that I used to sign up in XXXX, not XXXX XXXX. I told her I signed up with XXXX XXXX in XXXX and asked how they got my XXXX checking information. This is the problem. Since I closed my XXXX account on XX/XX/XXXX, I do not have access to any information and went to a branch office. They can't explain it but do show a denied transaction for my gas posted XXXX. I attempted to access my XXXX XXXXZipline account and it's locked. I called and was told that unless I pay the amount + surcharge, my account will stay locked. I told them that I acknowledge the transaction but, until this is rectified, I will not pay the surcharge. They would not allow me to pay for the transaction only. I am now in the process of trying to put my XXXX XXXX account back on my XXXX XXXX card to see if I can access their information but can't verify the small deposits because of being locked out. 
The end result is that I'm in limbo with this and can not access my accounts to provide any supporting documentation I may need such as when I signed up, etc. Someone needs to provide proof of how that account was changed but I don't have any means to retrieve it. I can request banking statements from XXXX if needed but they have to send them by the United States Postal Service which could take up to 30 days. I applaud what you do and hope you can help me. Thank you.
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 ; XXXXXXXX XXXX XXXXXXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Ocwen loan Servicing. On XX/XX/2016 I had a fire in my home that caused substantial damages to my property. Ocwen loan fail to pay the contractors in a timely manner, causing me to be out of my home for 2 yrs. Ocwen breach of contract due to not being commitment in the contract. Ocwen valid the contract in my Insurance policy. Ocwen caused me and my family a lot of hardship moving to different places for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX  XXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX, account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX  XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Self Financial Inc Account Number XXXX Dear Self Financial Inc ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$350.00} to Self Financial Inc . However, I am disputing this debt for the following reason ( s ) : Self Financial Inc is violating your consumer rights by using false misleading, misrepresentation and deceptive means. Self Financial Inc has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Police Report .... I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I have tried to call several times to settle the debt, but I have had no luck. I want to dispute the amount because it is not correct. I have tried reaching out to the number that is provided online and I always get a debt settling agency for your all debts I can never get ahold of the collections side.