23daVinci/CFPB_Complaints huggingface dataset:
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 accounts 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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$330.00} ARS ( Original Creditor : XXXX XXXX XXXXXXXX SVCS XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} CPS/MAIL XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Checking or savings account

On XX/XX/2022, we were contacted by a collection agency that we had a debt settlement with. We had been paying this agency to allege settle the debt they claimed we owed sense XXXX of XXXX. We did not us wisdom and should have asked for proof of the debt. The agent over the phone pretended to be the original creditor. We should have requested proof of the debt. Today we did some research after a few shady phone calls from this collection agency. Apparently, we did not owe the amount after paying {$1000.00}. They had settle for {$1900.00} stating that we owed {$5000.00}. What can I say, we got scammed. Thank goodness for our XXXX  XXXX who stopped them from scamming us. They tried to charge us for a return payment and the account of the returned payment didn't belong to us. They continue to call, text and hoarse us for payment with no proof. They want send us any proof of the debt! We just found out today that they are a collection agency and this could be anyone 's debt. The document that I am attaching is fraud and the card number on the document is not our bank card number. If they didn't charge our card ( thank goodness ), whose card did they charge?
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX XXXXXXXX To Whom It May Concern I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to find any documentation of any contractual relation between you, XXXX/SUNBIT and me, which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for " verification '' or " validation '' This is a request for Proof of Contract to substantiate your claim. Therefore, provide me a Certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXXSUNBIT is not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the federal Trade Commission. 3. File a police report against you for harassment and invasion of privacy. 4. File a lawsuit against you in my county for harassment, fraud, and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In the event you transfer this account to an attorney without providing proof of contract, he or she will be immediately reported to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting

I paid off my debt 100 % almost a year ago, yet the same account that I paid off in full, remains on my credit report. I have called the debtor & spoke with several different representatives regarding this matter/situation. I have been working on clearing/paying off all of my debts. This is the only XXXX that has been left on my report even though it has been paid in full. The debtor, XXXX XXXX XXXX, WI, seem to not know why it remains on my report or even how to have it removed. I have asked them several times to report that it has been paid in full, but it 's not working for whatever reason. but, they did send me a confirmation letter stating that the account has been paid in full & that there is a 0 balance. How do I go about clearing this up, free of charge, as quickly as possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been discriminating against me for at least the last 3 month that I could remember. Maybe more I just now catching on. There is alot of incorrect information on my credit report. Wrong address fraud incorrectly showing accounts still open. Problem with credit reporting company 's investigation into an existing problems. Improper use of my report. I'm unable to get a credit report and credit score from Transunion. Credit monitoring and identity theft protection issues. All sorts of different types of issues with this company including f problems with fraud and security freezes. I call them because I've been kick out my own account. I'm left on hold way to long I'd call from another line and Transunion has picked up that other line not knowing who I am b4 the line still on hold. They pretend that they have a deep weird accent not knowing half of what they are saying with noises in the background like If they have the TV loudly. I'll ask them to identify themselves with there worker I'd and they refuse to answer all I hear over the phone is louder noises from the TV in the background and who ever that is on the other line saying HELLO. repeatly HELLO over and over and over again but we were just chatting right before I adked for there identity and numerous times I've been hung up on or they will ask me right before they switch me to the correct department for my contact information in case we get disconnected and they'll lose the call, and do not return the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX IXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$230.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I owed money to XXXX for their XXXX XXXX which was paid in full, confirmed by them, during a garnishment in XXXX 2015. I got my mid month pay statement for XXXX 2015 and once again, had a garnishment. I contacted XXXX who advised me to contact TSI. I called XXXX and spoke to XXXX. I told him that XXXX confirmed that the debt did n't exist and he told me that they would not know that information. That the ORIGINAL CREDITOR would not know whether my debt was paid off or not. I was told that the US Treasury would be the only agency that would know and that they would not tell me any information. None of this conversation sounded correct to me. I would like someone to look into this, especially since I am receiving only {$560.00} a month in my pay due to TSI collecting it. I am XXXX military and can not support my family off of this small amount of money.
Product: Debt collection

InXX/XX/2020 I noticed a collection on my credited report from Sentry Recovery & Collections for XXXX. I contacted Sentry Recovery & Collections in XX/XX/2020 to find out what this was about. They indicated that it was for a house I lived in located in XXXX, Nevada. I indicated to them that I was never on a lease or signed a lease for the alleged property. Sentry Recovery & Collections respond that the debt was mine and they validated the alleged debt. I sent a letter to Sentry Recovery & Collections requesting a documentation of alleged lease and I itemized bill for alleged charges and as of today has failed to supply the information I requested.
Product: Credit reporting or other personal consumer reports

I just checked again my Experian and XXXX credit reports and I can see accounts reporting inaccurately. Please see attached file below
Product: Debt collection

This was a student Housing apartment in XXXX Arizona. I signed a lease, I left when I was supposed to. I think the Company who owns the apartment, mixed my room with somebody elses or possibly one of my many roommates that I had within my lease agreement. I never signed another lease. That wouldnt even make sense, why would I have another lease in my name when I was living at XXXX XXXX XXXX XXXX XXXX XXXX Arizona, which I can easily provide documentation for. This is beyond ridiculous, I thought this would have been off my report by now. I have tried to dispute with XXXX and they refuse to take it off my report and verify it valid every time. THIS IS NOT MINE!
Product: Credit card or prepaid card

XX/XX/2021 - Submitted merchant dispute with my credit card company XXXX against vendor for charging me for the products that never arrived ( total amount = {$730.00} USD ). 
XX/XX/2021 - Credit for the purchase amount of {$730.00} USD was initially issued by Barclay, but then recharged by Barclay claiming lack of evidence of the product ( s ) purchased. 
XX/XX/2021 - Provide evidence of items purchased and chronolgically listed email communications between myself and the vendor, as well as record of all phone call attempts I made to the vendor. Per Barclay policy, submitted this evidence ( 19 page document ) visa fax to attn : Merchant Dispute and referenced the Case ID. 
XX/XX/XXXX-XX/XX/2021 - Called Barclay 's Merchant Dispute department on XX/XX/XXXX, XXXX, and XXXX to confirm receipt of supporting evidence/documentation fax and to get an update on my case. Each time I called the agents could not provide an update/status. 
XX/XX/2021 - Called Barclay 's Merchant Dipute department again as I've received no word or status. Per the representative, my request to reopen and investigate and be issued the {$730.00} USD credit was denied again for lack of evidence. Agent confirmed receipt of the documentation I submitted and verified all requested/necessary information was in fact included and was not sure why my dispute was closed again. I tried to escalate to a manager/senior level person to no avail. I'm out {$730.00} USD and have tried every avenue to escalate and get my money back but Barclay 's has made it impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX Inquiry : XX/XX/202 XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry XXXX XXXX XXXX, 2023 XXXX XXXXXXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX Inquiry : XX/XX/ 2023 XXXXXXXX XXXX XXXX  Inquiry : XX/XX/2023 XXXX Inquiry : XXXX. XXXX 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX 2023 XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX 2023 XXXXXXXX XXXX Inquiry : XXXX. XXXX 2023 XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX 2023 XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXXXXXX 2023  Please remove it from my credit report
Product: Checking or savings account

I opened this account through a promotional offer email online. It is a public offer where Bank of America is offering a {$200.00} bonus when you open a new eligible checking account and complete the following requirements : Set up and receive XXXX XXXX Deposits of {$2000.00} or more into that account within 90 days of account opening. They still have this promotion in this link : https : XXXX I fulfilled all the requirement on XX/XX/2023 but still haven't received the {$200.00} bonus. I subsequently reached out to BOA and they said they would invesitgate and honor the promo bonus. But I still haven't gotten it to this date! This is a scam! Dont trust this bank!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters, as well as submitted supporting documentation to prove that this account is a result of identity theft and fraud. Experian has refused to remove or " block '' the reporting information from my credit report. Experian removed the account for approximately 10 days in XXXX however, they reinserted the item in XXXX. I contacted the collection agency as well as the Experian requesting validation of date that includes a contract verifying my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. Experian has stated that they have " verified '' the account as valid several times although I have disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to Experian further Experian has refused to block or remove the account from my Experian report. which has caused turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX TXXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bankcard XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting

I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.