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

I am writing to formally dispute a collection account that appears on my credit report. I recently reviewed my report and discovered that this account was reported without any prior notification to me. As per the Fair Debt Collection Practices Act ( FDCPA ), I should have been notified about this collection account before it was reported. 

I kindly request that you investigate this matter and provide me with verification of the following : Proof that I was notified about the collection account as required by law. 
Documentation validating the debt, including the original creditor 's information. 
If the collection agency can not provide verifiable proof of notification, I request that this account be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started
Product: Debt collection

Debt collection on my credit Report from a world finance. I never had a loan before with this company. I dont know where world finance located. Please help me with this issue. First time seeing this on credit Report. Sincerely yours XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 


XXXX XXXX XXXX   XXXX
Product: Credit card or prepaid card

I was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as Bank of America. The payments were made 3 times and the total amount was brought to " Paid off ''. I even called the financial institution to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of a week and half the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. Therefore, I am under a lot of stress and in financial hardship without any fault of mine.
Product: Credit reporting or other personal consumer reports

I have been a victim of Equifax data breach and my identity was stolen. I have reached out to the three credit bureaus to have this information removed but I keep getting a denial so I am asking for helping this. I have asked them to verify that the accounts belong to me. They have yet to furnish that they write back and say the consumer disagrees thats not verifying payments, or if the account is mine, because a consumer disagrees..
Product: Checking or savings account

I WAS charged- oner XXXX in fees. My son ( dob XX/XX/XXXX ) was charged over {$1500.00} in fees. their time ordered deposit recognition is a joke- same day? FEES!!!! OMG
Product: Debt collection

this company called so much and so often i had to change my personal and work phone number as well as had them contact relatives asked to please stop and they have continued also they can not verify the debt owed and show incorrect information
Product: Credit reporting or other personal consumer reports

the company is reporting wrong information on credit report XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from SYNCB, XXXX XXXX XXXX, and XXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX and the CFPB to follow the law : Either provide documentation that the law was followed by contacting SYNCB, XXXX XXXX XXXX, and XXXX  at once, or remove these offending inquiries as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company my dispute letter on XX/XX/XXXX with a detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them to run a smooth investigation on this matter : But to my surprise, this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.
Product: Credit card or prepaid card

Credit application of XX/XX/22 was fraudulent. Contacted Capital One to notify them of the fraud. They updated their file, but the XXXX credit reporting agencies still have the inquiry on file. Requested that they remove the fraudulent inquiry.
Product: Debt collection

I recently reviewed my credit report and seen an alleged account from this company. I do n't recall signing any contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need these items deleted from my credit report : XXXX XXXX XXXX, XXXX  XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  I have contacted my local police and the FTC. I am doing this on my behalf.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

This started with the second stimulus check. I received a text message stating that the bank had given me a XXXX dollars deposit due to the fact my account was overdrawn and the bank had to show I received the whole check. I was never told it would be any different if you have money been deposit. but a month later they take the credit back with a {$35.00} overdraft fee. In the last check deposited I had made a deposit of {$200.00} They put in credit and then made credit {$250.00} Now they are taking back the XXXX plus the XXXX free credit was given XX/XX/XXXX. It will be deducted on XX/XX/XXXX. I have a second account that would cover any overdrafts. I do not understand why they should care about me getting a full check It was my understanding the check was to help. But this way I cause more problems. This just makes me short on paying my bills This month if my situation was different. I would think This would be told to the public before the checks are issued. Wells Fargo Bank is my bank. I have not heard of any other bank doing this. I can explain better on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ALERT on my credit file REMOVED. To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. I do not wish this fraud alert maintained on my credit file. Please remove it immediately. To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs.
Product: Student loan

On XX/XX/2022, I called my loan servicer MOHELA to refund the amount of {$3500.00} I paid on XX/XX/2022. The MOHELA representative said she will submit the full amount refund request for me, and the process XXXX be take about 90 days. From the day I called MOHELA, I never get any message like a request confirmation from them, and there was nothing change in my student loan account too. Therefore, I have no way to track my refund status. I called them again to track my refund status XXXX on XX/XX/2022, but I even not able to reach to them at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I lost my Mother, I also contacted XXXX, I was verry sick and distraught for the next few months, this was a natural disaster, I could not even think straight or remember things because XXXX  effects your brain, community bank reported me late for a minimum of XXXX $ for XXXX XXXX XXXX as a result my credit was damaged, I did dispute with proof of XXXX and death of my mom, they rejected the dispute, can you please help me. The report # is XXXX XXXX the number is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX has been paid and closed since 2016 but on my report, this is still showing that it is 30 days late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 

XXXX XXXX XXXX XXXX
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, XXXX and TransUnion 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 accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal background information is incorrectly placed as my security questions does not relate to my past history. For example, an individual who does not live with me and no relations was asked by my personal XXXX XXXX for access of my account. This security questions was placed by the credit bureau. Upon calling the credit agency, the rep refused to help by hanging up. Trans Union need to update my credit report with accuracy. All my past debts settlement did not show up in my credit report. There are debts still exist as debts causing my credit report is be lower. My student financial loans was settle yet it shows up as still owed. Pass judgments still shows up as current despite paying off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying in vain for several months to go online and dispute a collection on the Transunion webpage. It will not allow me to access the Dispute page and I have called and spoken to reps who have been useless. They just tell me to restart or use another browser which is ineffective. It is not fair nor legal that they place erroneous information on my credit report but that I can not even access the report to see what the information is or to dispute it.
Product: Credit card

My credit builder account was closed after my score went down over XXXX points, but my credit card is still active. I would like to close both accounts, and erase the negative score off of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this credit card account ending in XXXX for several months. 
OnXX/XX/2023 I spoke with XXXX XXXX XXXX XXXX team and claims team. This called was monitored and recorded. I let the agent know that this account was indeed fraud didn't belong to me. A few days letter I received a letter from XXXX XXXX XXXX stating that they have completed the review and my dispute was resolved and no additional action was needed and the account would be deleted from my credit reports within 30 days. 30 days has passed and the account is still reporting. Today XX/XX/2023 I called and was told they never sent a letter in XXXX and the dispute was denied in XX/XX/2022, this call was also monitored.
Product: Mortgage

My husband is a 100 % permanent and total XXXX veteran since XX/XX/XXXX. Since this date, I have attempted to work with my mortgage provider, XXXX XXXX XXXX to correct my payment information to reflect that real estate taxes at the city and county level are not required. I have provided the appropriate paperwork and it has been acknowledge as received. I have called our mortgage provider every other week and emailed every other week since XX/XX/XXXX. During my call today, it was acknowledged that the " ticket '' from XX/XX/XXXX was opened and closed and just today ( XX/XX/XXXX ), they are re-assessing the tax and escrow portion of my account. I am at a loss of what to do next as I have exhausted all the avenues I am aware of with my mortgage provider to resolve this on my own. Any assistance that can be provided to help reconcile this is greatly appreciated.
Product: Debt collection

I have sent 3 certified letters to LVNV funding LLC Requesting debt validation and verification, and they have not provided this information to me. I am aware of my rights under the FDCPA and they are indirect violation of these rights. This account that they are alleging belongs to me Is fraudulent. I never opened an account with XXXX and I do not owe this debt. This matter was brought before a judge in XX/XX/2022 and I was ecstatic because I knew this Debt did not belong to me. They did not have the requested documentation that the judge asked them to submit. Therefore, this case was dismissed, and so now they have wrongfully reported this account to my credit report and they are harassing me. I Have disputed this multiple times and it keeps coming back as accurate. It is not accurate, I never opened this account and my rights are being violated. They have also wrongfully re-aged this account to try and collect On a debt that is not mine. They have caused me so much Stress and anxiety and I am asking to please remove this from my Credit report because like I said, this is a fraudulent account and they do not have accurate information or documentation to prove that this is my account. I have never opened a XXXX account. I have never had a XXXX account therefore This account is a fraudulent account. I am also aware that this company has wrongfully re-aged this account and that is punishable by a {$2500.00} fine. Please remove this from my credit report
Product: Credit reporting or other personal consumer reports

Upon diligent review of my credit file, I've noticed XXXX XXXX XXXX Account XXXX is illegally reporting to my credit file. According the IRS a charge off is taxable event and therefore is considered income and should not be reporting to my credit file. Furthermore, a charge is a certificate of indebtedness and should not be reporting to my credit file. We are NOT questioning or requesting account verification with the data furnisher. I, XXXX XXXX XXXX a federally protected consumer hereby REVOKE, CANCEL and OPT OUT of ANY and ALL authorizations I may have given XXXX XXXX XXXX, written, unwritten, verbal and non-verbal per 15 usc 6802. As well as per 15 usc 1681 permissible purpose. Please note on the credit file XXXX XXXX continues to report despite selling the account to another company. Further furnishing of my non-public personal information is a continued violation of my Federally protected rights which will result in arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple complaints thru CFPB and FTC but I don't see why this XXXX inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX  I disputed these on XX/XX/XXXX and a 2nd time on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Square Inc has decided to deactivate my business transaction account on XXXX XXXX with no explanation as to why. In doing this they decided that they would hold money that my clients have paid me for services until XXXX XXXX. The amount that they are holding is {$2000.00}. 

This is an illegal method for a financial institution to hold customers funds without my knowledge and approval because they could be using it to reinvest or do other illegal financial transactions. 

I am an event center located in XXXX, XXXX. My company used square to process invoices, receive deposits and balances when customers hosts their events. Square required me to provide all state and federal documents verifying that my company is legally setup. The same information is also verifiable on local and national government databases. I also had to provide documentation to verify my identity and residence. There is no policy on Square Inc 's website that says that my company is not a supported business. Nothing says that Square Inc would hold my customers funds for services I provide, for an extended period of time. Square Inc could have just refunded my customer their money and let them pay me through another method.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and they advised me that they could not help with a dispute regarding inquiries even through I did not authorize any company or anyone working for a company to pull my credit report. I did not do a credit application to authorize anyone from these companies to pull my report. These inquires are fraudulent & according to FCRA these inquires must be removed.
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 XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account NumberXXXX Account Name : DEPTEDNELNET Account NumberXXXX  Account Name : DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX  Account Name : DEPTEDNELNET Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account Number:XXXXXXXX Account Name : US DEPT ED Account XXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name : US DEPT ED Account NumberXXXX Account Name XXXX DEPTEDNELNET Account Number:XXXX Account Name : DEPTEDNELNET Account Number:XXXX has violated my rights. Or list of inquiries 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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.