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

Dear Experian Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. This inquiry was not authorized XXXXXXXX  Inquired on XX/XX/year> Please remove it from my report 2. This inquiry was not authorized XXXX  Inquired XXXX XX/XX/year> Please remove it from my report 3. This inquiry was not authorized XXXX XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my report 4. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.3 XXXX  XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 percent accurate. 
XXXX XXXX Account number : XXXX Please remove it from my credit report 6. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLEECTION account can not report. Please remove this account immediately. 
XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report. 

7. COLLECTION agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am a victim of identity theft. Please remove it from my report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my XXXX XXXX, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial XXXX and setbacks. I am concerned that these inaccuracies XXXX further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct these late open accounts and remove the late closed accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XXXX XXXX, toyota dealership in XXXX was where i leased my toyota van. when i. returned the van, the manager went over the van with me wide open and checked everything and it went well. the manager never asked or disclosed anything about any accidents. we then went inside to do another lease but ended up with a purchase because of too many complications. at that point i did not complain because i thought i was getting a better deal since it was a purchased transaction ; however, i went home disappointed because i was really determined and adamant in just leasing a van for my business. after a couple of months, i heard from toyota and they were charging me approximately {$3400.00} for repairs and damages. according to them they found out after thoroughly checking the leased van that i had gotten into an accident and they claimed the repairs were not up to " their standards ''. i then asked them why they had n't inquired at the time of the return and inspection about any problems and concern because if it had been disclosed under that condition, i would have purchased and kept the van as the accident was only superficial damage and not the engine. i did not pay what they were demanding because it was unfair, and also because i had already paid for the repairs when the accident happened. they should have disclosed their position and informed me about it while we were going through the physical inspection.of the van. i tried to reason with them and eventually even hired an attorney to deal with them, but they would not change their position at all. they then reported the claim to the XXXX ( XXXX ) major credit reporting services ... and my nightmare began. i was unable to follow up with XXXX XXXX and the personnel involved because the dealership closed. to date, toyota still refuses to remove the negative report even though it was first posted in 2007. please help.
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NV XXXX Telephone numbers : XXXX XXXX XXXX If there is another government agency that would be better able to assist, I request my complaint be forwarded to them. Thank you.
Product: Checking or savings account

On XXXX XXXX, 2023, there were two unauthorized transactions that posted on XX/XX/XXXX from XXXX XXXX and XXXX. Wells Fargo investigated and posted {$550.00} to my checking account on XXXX XXXX, 2023 reimbursing the full amount that was stolen. 

The second unauthorized transaction occurred on XX/XX/XXXX, in the amounts of {$2200.00} and {$1700.00} from XXXX XXXX XXXX. Wells Fargo has DENIED this claim TWICE. 

An unauthorized online funds transfer of {$15000.00} from Savings to checking also occurred. I reversed the transfer myself thus closing the claim. 

A previous debit card was closed XXXX/XXXX/23 due to confirmed fraud. A new card was mailed on XXXX/XXXX/23. It was activated on XXXX/XXXX/23. This card was closed on XXXX/XXXX/23 due to fraud. 

A new card was mailed on XX/XX/XXXX23. This card was closed the same day due to fraud. 

A new card was mailed XX/XX/XXXX/23. It has not been activated and I changed banks because of lack of confidence and incompetence. I Also changed account numbers in this process. I'm not sure of the date. 

At least twice, I received fraudulent phone calls and false claim numbers, claiming to be from Wells Fargo, that were asking for personal information. The banker I was working with at Wells Fargo during the fraudulent activity,, told me I could trust the Wells Fargo person on the other end of the phone call if they were calling from the number on the back of my card. This proved not to be true. shortly after, He no longer works there. I received poor direction in handling this breach on several occasions. 

Wells Fargo has refused to use common sense. My checking and card accounts were fraudulently hacked several times. They are insisting I authorized transactions from XXXX. I need help in returning over {$4000.00} that belongs to me.
Product: Credit reporting or other personal consumer reports

I requested a XXXX form for this charged off account and never received anything. This is the letter I sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$XXXX} charged off Subject : Request for Removal of Charge-Off Failure to Issue XXXX To Whom It May Concern, I am writing to formally request the removal of a charge-off related to account number [ Account Number ] from my credit report. This account was reported as a charge-off ; however, I did not receive a Form XXXX as required under IRS regulations for canceled XXXX exceeding {$XXXX}. 
Under IRS guidelines, creditors and collection agencies are obligated to issue a XXXX for any forgiven or canceled debts. As a consumer, I rely on accurate reporting, both for tax purposes and for maintaining an accurate credit history. The absence of a XXXX calls into question the validity of this charge-off and the procedures followed by your office in reporting this debt. 
I respectfully request that this account be reviewed and the charge-off removed from my credit report as a gesture of XXXX  and compliance with federal regulations. I have attached my most recent credit report highlighting the account in question for your reference. 
I value my financial reputation and am committed to ensuring all accounts are reported accurately. If additional information or documentation is needed, please do not hesitate to contact me. I appreciate your attention to this matter and look forward to a resolution. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that a credit card account was opened under my name without my authorization, and I believe I have become a victim of identity theft. 

The unauthorized credit card account was opened on XX/XX/2019 and I have attached any supporting documents I possess to substantiate my claim. The account details, including the card number, account holder 's name, and any other relevant information, were obtained fraudulently. As a victim of this crime, I am deeply concerned about the potential negative impact on my credit history and overall financial well-being. 

I have taken immediate steps to mitigate the damages caused by this incident. Firstly, I have contacted the credit reporting agencies, namely XXXX, Experian, and XXXX, to place a fraud alert on my credit report. 

I kindly request your full cooperation and support in investigating this matter promptly. I would appreciate if you could initiate an immediate investigation into the unauthorized credit card account opened in my name. I understand that it might take some time to resolve this issue completely, but I trust in your expertise and commitment to ensuring a fair and just resolution. 

I am prepared to provide any further documentation or evidence that may aid in your investigation. Please inform me of any additional information or steps required from my end to proceed with the resolution process effectively. 

Furthermore, I kindly request that you remove the unauthorized credit card account immediately to prevent further fraudulent activity and to protect both myself and your institution from any financial liabilities associated with this incident. 

I emphasize the urgency of addressing this matter promptly, as the longer it remains unresolved, the greater the potential harm to my personal and financial well-being. I am hopeful that, with your assistance and expertise, we can swiftly resolve this case and ensure that justice is served.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Collection Account- Violation of the FCRA and FDCPA Dear Equifax , I am writing to dispute the accuracy of the following account listed on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 and the Fair Debt Collection Practices Act ( FDCPA_, 15 U.S.C 1692. I believe this account has been reported incorrectly and requests its immediate investigation and removal from my credit file.

The account ( s ) in dispute is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA, specifically 15 U.S.C. 1681i, I am requesting that you investigate and verify the accuracy of these accounts. Under this provision, if you are unable to verify the accuracy of the information within 30 days of receiving this letter, you are required to remove this collection account from my credit file.

Additionally, according to the FDCPA, any debt reported by a collection agency must be reported with complete accuracy. If the collection agency is unable to substantiate the debts in question or if these accounts were reported in error, this constitutes a violation of 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation in connection with the collection of a debt.

I request that you forward all documentation used in your investigation to me for review. If you can not verify the accuracy of this debt, I demand the collection entry be deleted from my credit report immediately and that you provide written confirmation of the deletion, as per your obligations under 15 U.S.C. 1681i ( a ) ( 5 ).

Thank you for your time and prompt attention to this matter. I look forward to receiving an updated and accurate copy of my credit report following your investigation. 

Sincerely, 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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX & XXXX XXXX bankruptcy XXXX 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 or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking federal law.

According to 15 USC 1681e ( b ) it states this ( 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 reports relates. I have attached a copy of the original dispute letters sent to Equifax, along with a copy of my driver 's license, recent utility bill and a copy of the FTC identity theft report for your review.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating a consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

This is unfair and is hurting my credit consumer report. Please fix.
Product: Credit card or prepaid card

account balance have to be XXXX balance somebody used my card without my permission, card stolen bank ignoring my dispute never fix it, I'm not responsible for all charges on this credit card
Product: Checking or savings account

Deposited {$2100.00} to my Ally Savings account, used the bucket system to organize my money. Checking account had XXXX  setup for my Gas and Tolls for work. 

Then yesterday company tells me my account is locked and frozen. Funds will be unavailable until an 'investigation ' takes place. 

Upon calling and talking to multiple departments, confirming my social security number IN FULL, not the last four. MY FULL SOCIAL. I am then transferred to ANOTHER department which then ask me to confirm my social last four only. Then 5 security questions among other verifications. 

Put on hold another 5 minutes and then I'm told that I've logged into my banking app over 500 times opening an account, they asked me 'Why is this '? What am I supposed to say? Because I can? 

They then asked me what devices do I use to login, what cell phone provider do I use. Who's my internet provider. WHY?? This is beyond personal at this point and not part of verifying the account is mine. 

At this point the rep on the phone with zero remorse says. Funds will be held and locked for 3-5 business days. Online looks like this process is actually around 30 DAYS. 



At this point I am done with this Ally Bank, I want my funds and will close my accounts to go elsewhere, this is ridiculous.
Product: Debt collection

Tried several times via email and phone to set up payment plans. All requests were rejected or ignored. Mandarich Law purposefully refused any offer to resolve so that they could collect a higher amount of money
Product: Debt or credit management

I was charged {$97.00} for a brightmoney membership when I never signed up for one. I was charged on XX/XX/XXXX and I never authorized the charge or wanted the membership
Product: Debt collection

On XXXX XXXX I received a bill from a company called AssetRecovery Solutions, LLC that asked for me to settle an account for 70 % of what is owed. I have no knowledge of this account or of the balance due and this is the first time I have been contacted about it. I was never sent a bill from the original creditor listed which is XXXX XXXX XXXX and the tome of the letter looks like it is scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed a hard inquiry dated XX/XX/XXXX.  This inquiry was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are not following the guidelines of the FDCPA asked to remove account several times and still reporting
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim XXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Money transfer, virtual currency, or money service

Purchasing an item through XXXX XXXX. Sent money through XXXX. The persons account was hacked and it was not who they were portraying to be. Sent the money, never received product. Complaint filed with bank within XXXX hours. They stated there is no way to get the money back even though it was sent to someone impersonating another.
Product: Checking or savings account

Its in regard to my PayPal checking account. I deposited XXXX on XXXX XXXX. I reached out to customer service and partially got the worst customer service. Also, I reported unauthorized by one merchant their XXXX and PayPal showed me they didnt even bother to make a thorough investigation. I live in XXXX Tx I hired a private investigator I was giving an ip address thats located in XXXX, Tx and it states someone named XXXX. I cant believe they gave the favor to the company if I have concrete evidence this was unauthorized transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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 the 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 any 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, imediately Account : XXXX XXXXXXXX XXXX XXXXXXXX