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

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 



I am writing this letter to dispute the following accounts : XXXX XXXX - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX- XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX  - XXXX -IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - IDENTITY THEFT - PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX - XXXX - UNAUTHORIZED - PLEASE REMOVE FROM MY CREDIT REPORT The following names aren't mine or correct- PLEASE R This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Vehicle loan or lease

Company put a lien on me and additional cost of {$1200.00} towards court fees and additional interest than the balance of the vehicle that I am not entitled to pay which I originally owed was {$1800.00} now the fee is {$3100.00} which my cosigner passed away in 2016 that took a lot of financial responsibilities on me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$XXXX} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau has implemented rules and policies which prohibit a consumer to update their current address. Experian has address information in my report that is old and out dated. When I asked XXXX from Florida to remove old address she refused and said she would mail me the Experian policy data that disclaims that my request can not be implemented. I want all old address information that is outdated to be removed immediately and only my current address to remain. Their policy is a direct violation of Section 623 of the FCRA.
Product: Credit card

Capital One refuses to open credit card dispute/chargeback over the phone even though their web site advertises that you can open a dispute over the phone. http : XXXXI called them twice and they refused to open the disputes both times and tried to forward me over to the merchant instead.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Address Reporting Under FCRA 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute inaccurate address information that is currently being reported on my credit file. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and have incorrect information removed or corrected. 

Disputed Information Incorrect Address ( es ) Listed : XXXX XXXX XXXX XXXX. XXXX, Ohio XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX Ohio XXXX Legal Basis for Removal 15 U.S.C. 1681i ( a ) : Credit reporting agencies must conduct a reasonable investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 
15 U.S.C. 1681e ( b ) : Credit bureaus are required to maintain maximum possible accuracy in consumer reports. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : Information furnishers must not report inaccurate or obsolete data and must correct errors when notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that XXXX, XXXX, and Equifax are reporting inaccurate and incomplete credit information. I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needed to be re-investigated. 

The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report
Product: Debt collection

I didn't receive enough information to verify or pay the debt, I have never received any written communication about debt before Collection Agency reporting to Credit Bureau, And I made the payment on first business day after its reported to credit, Still company is not removing this account from my credit report. 

First of all I am never a member of Gym they reported to the credit, so I requested them to send me documentation when they call me first time and they never called me again or contacted me in any way. 

Still I have paid to collection agency to have the account removed from my account but they didn't remove the account even after 30 days of payment.
Product: Money transfer, virtual currency, or money service

I woke up to see a text on my phone from the number XXXX ( XXXX ) XXXX stating that there was an attempt to send {$2000.00} via XXXX and for my protection this transaction was flagged. I was asked to reply YES if I wanted to continue to send or No to cancel the request and that an operator would call me shortly after. I replied with a No and then received a call from a number XXXX ( XXXX ) XXXX. The caller said his name was XXXX XXXX with an employee ID of XXXX then continues to explain the fraud situation asking if intended to send this amount to someone in Florida with an XXXX XXXX XXXX phone. I said no. He then instructed me on how I should dispute this fraud by creating a new XXXX contact to send myself the money for reasons I can't quite remember. He had instructed me to create a contact using my first initial then my last name and said I would need to use a number he had created, XXXX, to send the money since my email and number were deactivated due to suspicion of fraud. He also stated that the name associated with that number, XXXX, was the associate that was in charge of my fraud case. He instructed to to first send {$700.00} then the remaining {$390.00} and that I should be receiving a notification soon after, and that now my money is safe. After hanging up and not receiving said notification I immediately realized I had been scammed. I then called my bank, Chase, and reported the scam. Giving them all the same information and details stated above.
Product: Mortgage

Once again I am putting a dispute in with CitiMortgage. I was assigned a specialist who I worked with to get a modification on house. I sent all documents that were asked for by specialist. I was told that account was under review with under writer but they still were trying to foreclose. I emailed specialist a few times over the next few weeks and did not get a response from specialist with any updates. Next I received a letter a few days before foreclosure sale date ( XXXX XXXX, 2015 ) with a new specialist assigned. The letter stated due to recent internal business change. Tried emailing new Specialist and did not get a response. Called into CitiMortgage and rep advised no one was working on my account due to last rep closing ticket. I advised them that I could not get in contact with Rep over past few weeks and now they claim I need all docs but I was under the impression that everything was in and I was waiting on outcome. They advised even though I did n't know anything about missing docs. It was nothing they could do. So I asked if they were going to foreclose on my house while knowing that I did n't know anything due to no contact from specialist with updates. They advised yes. I asked if I could record conversation and response was no. Please look into their practices. Thanks
Product: Credit reporting or other personal consumer reports

It's been 7 years after the date of first date of collection XX/XX/2017 and therefore, XXXX XXXX XXXX XXXX  accounts XXXX XXXX XXXX  should not be on my TransUnion XXXX Report anymore. 

These accounts are invalid unauthorized fraudulent identity theft reporting. 

By the provisions of the fair credit reporting act, I Demand that these items be immediately removed and permanently blocked from my records. Congress mandates a 7 year limit for these negative closed collection items. As well as my rights to fair reporting and Privacy laws
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Berlin Wheeler INC for committing identity theft. I have never given Berlin Wheeler any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam legally refusing to pay this debt Pursuant to 1692c ( c ). Iam demanding you Cease and Desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Berlin Wheeler INC can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence, can not be produce and Berlin Wheeler INC continues its collection efforts, I will file for litigation for actual damages caused and Berlin Wheeler INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And by the way do you have a sign Authorization form SSA - 89 about my Social security number. Please tell you have on file I need to see that. And look here upon the receipt of the documents herein and of this Notice, you are here by Notified Pursuant UCC - 1 - 202f. Your prompt Attention and Response are both Requested and Required. Account # - XXXX
Product: Payday loan, title loan, or personal loan

Today received a phone call from XXXX XXXX ( XXXX, Ga ) about collecting on a past due payday loan. The person on the phone instead of listening to me started laughing at me and what I was trying to say. I have hit a very hard patch in paying my bills and until the end of XXXX will not have ANY money to pay any past due bills. Because of the constant oppressive language used by XXXX in XXXX, Ga I wish not to deal with them.
Product: Credit reporting

When attempting to get cable service with XXXX, which I had had before in my previous state, they charged me a {$100.00} deposit saying my credit was n't that good which is a lie. My XXXX is over XXXX. But the agency they use, Lexus Nexus, had a report showing XXXX and had information missing, which I attempted to call them and have them rectify to no avail. I spent several hours on the phone with them over several days trying to straighten this out only to get the run around. They would never send me a credit report for me to correct their mistakes. I also disputed this with my credit card company. Lexus Nexus has the worst customer service I have ever seen. I was literally screaming at the lady on the phone to correct there mistakes and she just gave me the round around. Something has got to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraud dept called me, stated someone is purchasing {$750.00} of liquor and other products from different stores! 
All 5 companies I then spoke with and stores!

Each company stated ok!

Each bank supposed to cancel all credit cards!

Then send me new credit cards!

Not one of the banks canceled or sent new cards! 
I have called Experian, XXXX, XXXX and dispute all!!! 
Over and over with Police Reports to REMOVE ALL 5 ACCOUNTS FOR ERRORS AND INACCURACIES! 
PLEASE REMOVE ALL INACCURACIES!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below AND EXPERIAN CREDIT REPORTING has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EXPERIAN HAS VIOLATED MY PRIVACY RIGHTS AND HAS IGNORED PREVIOUS FTC IDENTITY THEFT REQUESTS, I HAVE SUBMITTED ALL DOCUMENTS INCLUDING GOVERMENT ISSUED DTC REPORT AND COMPLAINTS. EXPERIAN IS NOT A COURT OF LAW, AND MUST HONOR ALL GOVERMENT DOCUMENTATION AS IT RELATES TO FRAUD ON CONSUMER ACCOUNT. 
ALSO, IF EXPERIAN CONTINUES TO REPORT ON ACCOUNTS I HAVE NOTIFIED THEM OF THAT IS FRAUD OR NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

XX/XX/year> : Deposited {$500.00} onto my Chime card to pay my cell phone bill XX/XX/year> @ XXXX XXXX paid XXXX XXXX bile {$480.00} a mistake was made by the agent and the money was immediately refunded to my Chime account. I waited until the money showed back up on my account and re paid the payment ( {$480.00} at XXXX XXXX ). 
The next day Chime notified me my account was overdrawn, when I checked the return of the initial payment had been removed and BOTH XXXX XXXX payments had been withdrawn. 
I called XXXX XXXX who showed both paymens coming out but they also showed the one being returned and they gave me copies of this. I filed a dispute with Chime on XX/XX/XXXX after trying to resolve on the phone with agents.. This dispute was denied because they stated that XXXX had not returned the money ( of which I had provided them proof ). After calling for several days on XX/XX/XXXX I asked that the dispute be reopened and again submitted all requested information. I received an email this morning that they had denied the dispute because the transaction never happened. 

Apparantly they do business as XXXXXXXX XXXX in Delaware
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Lexis Nexis via certified mailed on XX/XX/2021 and they received it on XX/XX/2021 to XXXX XXXX XXXX XXXX, GA XXXX. I requested that they send me whatever documents of information that they have personally used to verify this alleged bankruptcy and they have not responded to my request at all. If they can not produce such documents this alleged bankruptcy needs to be removed from my file immediately as it is defaming my charter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to view XXXX response or submit my comments to you. The response was sent to my husband 's email and not to me. The complaint # is XXXX. I was denied credit because Experian reported that my Social Security # belonged to a deceased person. The SS # was entered twice by their agent in the store so they must have made the error twice. There was no attempt tto compare names and, except for their claim there is no proof that any of this happened. According to XXXX XXXX, in her letter, she tried to call me on XX/XX/18 but could not reach me. Another error due to her dialing XXXX rather than the correct XXXX. This is quite a pattern, After the failed phone call she claims to have sent an email which was not received. The email time was XXXX XXXX which means that the call was made before than. The letterhead shows their location as XXXX  UT and West address is XXXX XXXX SD. I believe phone calls that are made to OR that early are not legal.. In all XXXX  has issued a pack of lies in response to my complaint and that include lying to you, a US Government agency. This is not acceptable and I am hopeful that you can learn the truth and put a stop to their wrongfull denials of credit.
Product: Credit card or prepaid card

An authorized user was added to my Discover credit card. They won't tell me the name or date that it happened. So far I have found over {$10000.00} of fraudulent charges because of this.

I have provided proof that my computer and online account was hacked, that they sent cards to addresses that I've never lived at, have filed a FTC identity theft report, and filed for corrections to my credit report. Discover said they conducted investigations, but when I would call to ask for updates, the client services department would have no record of investigations. Eventually, some of the charges were looked into. They claimed no proof of fraud ( despite everything I provided and no evidence that it was a legitimate claim ) and then re-charged my card for the amounts disputed, even though they never provided a debit while investigating. I've had 4 card numbers opened, immediately fraudulently charged, and then closed over the last year and a half. Each time a mysterious " TRANSFER BALANCE '' charges show up, even though no one at Discover can tell me what they are for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my credit without any evidence that I made the charges they said I made. I've asked them for proof that charges were mines and they never gave it to me. I asked for my signatures that are on the transactions they said are mines and they refused to send to me. They have not validated their claim pursuant to 15USC 1692e ( 809 ). They are reporting on my credit without validating the loan and that is against 15USC 1692e 2 ( a ), 15USC 8.
Product: Debt collection

XXXX Lockhart morris & montgo Reported a {$920.00} on my credit report hurting me.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they doing fraud 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to...
Product: Credit card or prepaid card

I purchased this ring on line from XXXX. On line price was {$20.00}, I was charged unit price {$16.00} on XXXX receipt ( attachment 1 ), charged on PayPal $ XXXX % tax = {$17.00} on XX/XX/XXXX. 
I returned the ring on XX/XX/XXXX because I did not like how it looked on me and it felt too thick and not comfortable. ( see attachment 2 return receipt ) On XXXX order status ( attachment 3 ) it list item as Shipping Status : Return. This is correct, the item is returned. 
Attachment 4 is XXXX return receipt for the item. It shows my item as returned and credited at {$20.00}. XXXX refunded my momey to PayPal, but PayPal did not refund my money to me. 
I filed the dispute with PayPal on XX/XX/XXXX. PayPal denied my request for money refund, I never quire understood why. Pay Pal does not have a call number to call or email, and I had to follow their process to request my refund money. 
After I was denied a refund, I appealed the case with PayPal, and on XX/XX/XXXX I was informed that We reviewed your transaction ( s ) and are denying your case ( s ). This decision was made because we never received documentation that proves you are due a credit. ( attachment 5 ) In summary, I should be given my money back from PayPal. I retuned the item and was given a receipt of return from XXXX. I was given a copy that XXXX refunded my money to PayPal ( attachment4 ) PayPal is refusing to give me my money they state they never received documentation that proves that I am due this credit. 
Can you please help me and recover the {$17.00} from PayPal? 
Should you have any questions, please let me know. 
PayPal Dispute Case ID : XXXX Transaction Amount : $ XXXX Dispute Amount : $ XXXX Transaction XXXX Transaction Date : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by scammers which involved me making deposits for a total amount of {$31000.00} from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Student loan

College Foundation has been the serviced of my federal loans for over a decade. These loans have always been federal Stanford loans and yet they have required payment since XXXX and the pause. Never have I refinanced or moved the loans which would put the federal label in jeopardy. They also have knocked my credit report when they should not have in XXXX. 

XXXX also makes it harder to contact them and make inquiries.