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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get things off my credit report and it isn't working so I demand these inquiries off : I have tried for so long. I am the consumer and I demand all of these inquires off my report. It is against the law to report on my credit with no consent : 15 U.S.CODE 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested to have PMI removed from my mortgage with Bank of America in XXXX. The bank agreed to my request to cancel PMI in XXXX. The problem is they have yet to adjust my mortgage payment and are still collecting the additional $ XXXXmonth and then returning that payment to me three weeks later. I've made numerous calls ( 5+ ) to correct this error only to be told my payment won't be adjusted until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft. XXXX is aware and does nothing. I have contacted them thru the Consumer Affairs division and with reps and supervisors. 
I filed fraud with XXXX and submitted ALL the requested documents for fraud. 
XXXX is violating my rights as well as others with their failed verification of debts and fraud accounts. I file FTC reports and fraud for fraud inquires. They refused to remove them stating they are " statements of facts ''. Thats incorrect when they are fraud and the vendor has no permissible purpose of legit purpose for pulling and for credit in which I didn't not lawfully apply for. 

XXXX failed to provide documents as requested asking how an account was verified, who verified it, and what methods were used. Nothing was provided and thats against FCRA Law. The fraud accounts in question go against XXXX XXXX guidelines. 

The fraud alert listed on my file IS WRONG and they refuse to allow me to update. They advise me they can't verify my identity. Not sure how they can't being they have ID on file, SS Card, and FTC reports sent to them. They make it impossible to deal with and remove fraud info. Litigation is being sought against them and will seek damages as allowed per law. They have been sued previously for the exact same thing and they LOST. 

A fraud account that is list is Duvera Billing ACCT XXXX and they show the same account and balance as a charge off 2 times. The creditor who reports this NEVER provided debt validation or verification to me in writing as requested. XXXX leaves a fraud account and says its verified. The creditor has no signature, no copy of ID, no payments made to the account. The payments made that the creditor verified to me were ACCOUNT UNABLE TO LOCATE/NOTHING FOUND. The creditor said they verified it is fraud and requested it to be removed, yet XXXX failed to do so. XXXX has no reps who understand FCRA laws and guidelines. They leave information to ensure they can collect monies from the reporting companies. XXXX XXXX and XXXX deemed accounts as fraud and blocked the information immediately as should XXXX 

XXXX XXXX is also listed and the account is past the statue of limitations on reporting. It is fraud and was removed and blocked again by XXXX and XXXX XXXX ACCOUNT # XXXX ... I have a open and current account with them and they stated they asked for this to be removed, however XXXX refused to do so. 

They need to remove the inquires from my report, as I have not applied for credit and they were notified of those that were fraud.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.crypto.com. In this year of XXXX, XXXX, and XXXX ( please see attached as evidences ), I wired transferred money close to about XXXX XXXX XXXX dollars from my personal bank XXXX XXXX XXXX bank to www.crypto.com with the help of the scammer. I transferred my virtual money from crypto.com to www.doexoll.com to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX XXXX XXXX, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the XXXX was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The XXXX  here in XXXX did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The XXXX MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.crypto.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable for them to do a live investigation about this! Maybe the venue should be taken to the XXXX arena stadium here in XXXX XXXX on how the Americans have been ripping off by the www.crypto.com!
Product: Checking or savings account

In XX/XX/year>, I signed up for a trial period for XXXX XXXX. However, I used my company email to sign up and my personal bank card for charges. 
Unfortunately, I was laid off in XXXX and am no longer with my previous employer. Although the free trial has ended, I am still charged for XXXX XXXX even though I can not access the software because the login information is under my previous employer 's XXXX account. 
I contacted XXXX XXXX for assistance in canceling the subscription and closing the business account. XXXX XXXX. 
( XXXX ) informed me that I couldn't cancel the business account because I couldn't remember the login information and/or three verification criteria. 

XXXX XXXX XXXX XXXX XXXX told me I could not cancel the business account because I couldn't remember the login information and/or three verification criteria. The representative did not assist me in finding a solution, and I was informed that charges would continue despite my request to cancel the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. Upon reviewing my credit report, I have found several errors that I would like to bring to your attention. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

Secondly, the following addresses are incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. These addresses belong to someone else and should be deleted from my credit report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX and XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

In addition, there are several accounts listed on my credit report that I have no recollection of ever belonging to me. Specifically, Account Number : XXXX with XXXX XXXX, Account Number : XXXX with XXXX XXXX, and Account Number : XXXX with XXXX. I request that these frivolous accounts be removed from my credit report immediately. 

Lastly, Account XXXX : XXXX with XXXX has a payment history despite being a charge off. I request that this account be deleted from my credit report immediately. 

I understand the importance of maintaining an accurate credit report and I request that you investigate these errors and make the necessary corrections as soon as possible. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have contacted Kia motor finance three times about getting the title for my XXXX Kia XXXX that I paid off in XX/XX/XXXX. Kia initially attempted to mail it to the XXXX DMV but it was returned to Kia by XXXX  due to an incorrect address. KIA has been in possession of my title since it was returned to them by XXXX  on XXXX XX/XX/XXXX. Each time I call to request it to be resent directly to me I am told they will submit the request to their title department and to call back in 5 business days. I have spoken to two supervisors and they also say that is all I can do. No one in their customer service department will assist further or connect me with someone who can help. I am at a loss as to what to do next. I need the title to be able to register my car in XXXX This is preventing me from being able to earn an income.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ) Date of Charge-Off : ( XX/XX/year> ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. Trequest an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$420.00}
Product: Debt collection

I am disputing a medical collection account reported by ABILITY RECOVERY SERVICES , LLC for {$1500.00} on XX/XX/year>, as this is inaccurate and the result of identity theft due to a data breach.

I did not authorize or incur this debt, and my personal information was compromised in a data breach. As a result, this fraudulent account was added to my credit report without my knowledge or consent.

I have disputed this with the credit bureaus and the collection agency, but no action has been taken to correct it. This reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 6 ) and the Health Insurance Portability and Accountability Act ( HIPAA ) as my medical information was shared without my authorization.

I am requesting the immediate investigation and removal of this fraudulent collection from my credit report. Failure to act will result in legal action under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.
Product: Credit card or prepaid card

Applied for card XX/XX/XXXX and was approved by Barclays. Now Barclays is not letting me use the card and when I call in to ask why it's blocked the reps are unable to help me. They say there is no security alert on my account even though the website is telling me to call as there is a hold. I have a payment of {$95.00} coming up even though I can not use the card.
Product: Vehicle loan or lease

This loan from Leaders Financial is not my. XXXX XXXX is responsible for this account. I wish this to be removed out of my account because its not mine. I tried disputing but its not letting me.
Product: Mortgage

It is my genuine opinion of Nationstar d/b/a Mr Cooper ( " Mr. Cooper '' ) have given me, as a retired veteran a furious anger for their cooperation. Since 2010 I have been trying to refinance or modify my interest only loan for a permanent and fixed loan. I have gotten nothing but denial letters. However, you keep taking my financial information over and over. As a retired veteran never have I experienced such disregarded for the sacrifices I have put my life on the line for. What an incredible experience of disappointment, today my mortgage note is over 5,000 with still denial to modify.
Product: Debt collection

SOUTHWEST credit systems l.p. Is attempting to collect a debt and is not licensed in my state to collect this debt.
Product: Mortgage

I have a mortgage and HELOC with TruistBank. I received a letter dated XXXX/XXXX/XXXX  from Truist Bank regarding a data breach in which my personal and account information was stolen. The letter indicated that one of the actions I should take is to work with your local relationship manager to have new account number ( s ) issued. 

As I am unaware who this local relationship manager is, I called the Truist Client Care phone number also listed on the letter. 

After more than 1 hour on the phone and being put on hold while various departments were consulted, I was told there is no way to change my mortgage account number and the only way to change my HELOC account number is to apply for a new HELOC. I was also told that no fraud has been committed with data stolen in the breach and that the information stolen could not be used to commit fraud on my mortgage account. ( No comment was made on whether or not fraud could be committed on my HELOC account with the stolen data. ) When I asked why they sent me a letter saying to change my account number when its not possible to do it, I was told that the letter went to all customers but that the recommendation to change account numbers was meant for savings and checking account customers. 

In short, they have no way to actually execute the action they recommend their customers to take.
Product: Credit card or prepaid card

I was notified on XX/XX/2021 of 2 fraudulent applications using my name and social security number. The first one was a XXXX XXXX XXXX credit card the second one was. XXXX credit card managed by Barclays Delaware Bank. I was able to call both companies and report the fraud as well as have both applications stopped before they were fully processed. I have put credit freezes on all 3 credit bureaus as well as putting a fraud alert on them.
Product: Debt collection

Continuous calls, advised amount owed is incorrect, rep then said that was n't true, I 've been disputing debt and I will pay or they will continue to report inaccurate info on my credit. Rep very rude, I read script to not call then received call from another number of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : XXXX
Product: Debt collection

On XX/XX/2021, I received a notice from XXXX that a charge-off was added to my account unbeknownst to me by American Honda Finance Elgin ILL , Although I had previously asked both parties separately in written communication for specific documents pertaining to the authority and accuracy/verification of the amounts being reported. I specially ask for the authority and permissible purpose of the individual furnishing data, hard copy of original contract including wet-ink signature, pay-off disclosure, interest rate disclosure, balance history, payment history and credit insurance disclosure as of today I have received no valid response or proof as to who this debt, if any is owed to, or clear accounting showing the initial loan and each transaction. As for the charge off it appears to have certain inconsistencies in the data being reported to XXXX, XXXX and XXXX Thank you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation credit card XXXX XXXX CAPITAL ONE AUTO FINAN XXXX XXXX XXXX  FRCA Violation address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX
Product: Credit card

I lost my Bank of America Visa credit card : XXXX and someone made over {$600.00} worth of unauthorized and fraudulent charges on my credit card account. I have notified Bank of America on numerous occasions about the unauthorized charges, but I keep getting harassing and threatening telephone calls and death threats, informing me I need to make a payment on my account immediately. Under the Fair Credit Billing Act ( FCBA ) a consumer is not liable for unauthorized or fraudulent credit card charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$940.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX {$470.00} XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$370.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX {$1400.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed an email order with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX ) in the amount of {$100.00}. Days passed without getting a confirmation email of the order being received. I then decided to call to ensure the order was, in fact, received. I spent a ridiculous amount of time on the phone being handed off to people to finally be told they had not received the order and that they were going to place it right then XXXX XXXX number XXXX ). A few days later, I receive the items in the mail. Then a few days after that, I receive the same items again. When I called the company and explained they sent me a second order ( and charged me for it ) they said I could mail it back and get a refund but I would have to pay shipping ( which was {$20.00} according to their original charge ). I was absolutely willing to take my personal time to mail it back but I was not going to pay for the items that I did not order or pay to send them back due to their lack of organization and accuracy which obviously takes place within the company. When I called it was very clear that no one knew what was going on and when I called to resolve their mistake they were not helpful at all. At this point, I have spent several hours on the phone with this company and did not feel it was my responsibility to pay for their mistake. I then gave up and called Discover. I have been a faithful Discover card user for 21 years without a single missed payment or even a dispute. I thought my card company would help me dispute the incorrect, unapproved, 2nd charge to my account ; however they came back and said I was responsible to pay it. I do not see why I have to pay for a company charging something to my account that was not approved. I have since refused to pay the amount and they have added late fees and submitted my account as delinquent. I would like this reversed, as it was not my fault. I have also submitted the a complaint to the XXXX  of the company requesting they refund Discover card charge.