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

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and these inquiries were unauthorized. I ask that the items be deleted from my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed a copy of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible, as they are preventing me from opening new lines of credit. 

Fraudulent Inquiries -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 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 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 'm XXXX, disalbled, after an accident at work in 2013, i lost my truck, my home, my wife, my job, @ now I 'm losing what XXXX I had left, before I could pay my bills, now I ca n't, I do n't have anything that this co.Midland funding can take, without the food stamps I get each month, i would n't be able to eat atleast one week a month.after I pay rent, water, serus, lights, @ my insurance, i have about {$92.00} left, I have nothing they can take, i have no dignity left, i have nothing, now they are sueing me in XXXX co court, '' XXXX, if they had bothered to check they would see the only money I get is my XXXX rent an apartment, i have no car, no truck, '' nothing. " Please can y'all help me, im afraid they will take whatitg little I get, @ I, ll be out in the street.i ca n't pay any laser to help me " can y'all help?
Product: Checking or savings account

I opened a business checking account with wells fargo under a promotion to receive {$500.00} bonus when I meet the following requirements. 

Within 10 days of opening the account, deposit {$2000.00} or more into the new business checking account, and Have a {$2000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60. 

I met this requirements about 30 days ago, but still didn't receive the bonus.
Product: Payday loan, title loan, or personal loan

1. In XX/XX/XXXX, Title Max lied to me saying I would be completed with installment payments in 10 months, after I took out a loan for {$5500.00}.

2. Initial salesperson lied to me and also was belligerent and called me out of my name over the phone, for which she eventually was " fired. '' I found out recently that she was actually moved to another store. This was the 2nd lie by Titlemax, it's manager and franchise owner.

3. Titlemax also charges predatory fees of XXXX XXXXdaily charges. 

4. In XX/XX/XXXX, I tried to settle for XXXX XXXX utilizing all of my tax refund, which they refused. 

5. It is a trick, where every month, you think you are paying toward the balance, but that payment just starts the entire process over as if you have not paid anything.
Product: Debt collection

There is an old Capital One account where I never had a an account with a limit of {$900.00}. I have disputed this item with no outcome. Please help I would like some kind of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me how you suppose this account is mine, I need proof of validation, this account is in violation because I have never did business with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX  AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not initiated any transaction with CBNA. Further, I do not have an " account '' as defined under 15 U.S.C 1693a ( 2 ) with CBNA for review or collection.
Product: Credit reporting or other personal consumer reports

I requested my credit report from XXXX and they never contacted me nor sent my credit report. after a couple of weeks I am unable to access my account and they haven't gave me a reason way. the message that stated up on log in is unknown error. we encounter an unspecified error connecting to experian.com. Please try again. When trying again it does not work. and I am afraid that company is missing using my personal information and mishandling it as well. can we please do something about is because I am afraid that they might use my information for something illegal and I need answer on way I can not access my person account.
Product: Debt collection

XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2001 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Product: Debt collection

I was contacted by Levinton Law XXXX over a debt I owed with their client XXXX. Over the course of the past year I have attempted to make payments of {$300.00} per month to pay down my balance I owe. Each time, my balance has never gone down. I asked for receipts and they would not give them to me. They also would not give me a summary showing my payoff and each time the price would not go down. They have threatened to arrest me, to put me in prison, sue me and constantly abuse me. Today, they called to ask me to make a payment. They asked me if i can agree to take payments of {$50.00} per month and when I agree they stated OH you dont agree. I dont understand these mind games. I am just trying to pay my debt to power pay. I shouldnt be forced to deal with these ridiculous collection tactics. Over the last few months I have been unable to make a payment but offered several times to make some sort of a payment and each time I was told to pay in full the whole amount. It was not until I complained to power pay that I even got my real balance. They refuse to put any sort of payment arrangement in writing. It is like they are just gunning to sue me. When i tell them to stop writing me they continue to do it. They also threat to seize all my property and sell it at auction.
Product: Credit reporting or other personal consumer reports

Ive recieved collection notice they was not supposed to been reported and identify theft occurred on my credit report with false reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was put on notice and provided an Affidavit of Truth, Identity Theft Affidavit, Loan Discharge : Forgery Application, and a police report regarding the alleged debt of XXXX XXXX XXXX  as of XX/XX/2023. I have given XXXX with 5 days to delete this fraudulent loan from my consumer report and they have yet to follow up nor did they remove the fraudulent. Now ( XXXX ) has informed me that it will take XXXX weeks to remove an account that is not mine and has hindered my consumer file for years and I am not waiting XXXX weeks for a removal when this has gone on for YEARS! UNACCEPTABLE! 

I have provided XXXX with enough time to gather evident or any other documents necessary prior, this has caused defamation to my character and my consumer file. Exhibit A will provide proof of received document via XXXX. As well as Exhibit B - XXXX with XXXX confirmed on XX/XX/2023 at that they have received the documents uploaded into their system.
Product: Credit card or prepaid card

I have had problems disputing charges on my card multiple times and today I called 3 times on XX/XX/2018 and they won't even let me dispute charges for {$39.00} that was charged to me and I'm not recognizing the charge and they just will not allow me to dispute it and this is being billed to me every month so I'm losing out on {$40.00} every month and they will not allow me to fight it I've contact the merchant who doesn't speak English and calls me XXXX which is not my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of Labor/XXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX  and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX XXXXhrough Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially Regions bank and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of EducationXXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) credit card opened on XX/XX/year> have resulted in fraudulent hard inquiry and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws it deleted and then reappeared on my credit report.
Product: Credit card or prepaid card

Im not sure which month but someone accessed my account and used a checking account to pay the bill and it kept coming back as nsf and the amount that was paid was charged back to the account which was more than what I originally owed and they added it on to the balance so it caused my payment to go way up so I couldnt pay and they refused to refund that amount that they charged back. I could understand if the account was used if that money that came back as a nsf but they never gave that money available to use and nothing else was charged to the account so my {$500.00} credit limit is not {$1500.00} which is impossible because how can they charge me triple what my credit limit is if they never have the money available while processing the nsf ach that someone did on my account. I want all that money refunded that was charged to my account. Not only did they charge the excess money on my account but they blocked me from disputing or even accessing my account. They wont let me in my account at all now or talk to me because I dont receive the text messages or phone call to my phone number from them for some reason. I can get everyone elses messages and phone calls but not theirs. I just want that money removed from my account so I can pay off my credit card and be done with them. I also want the late fees and everything removed from my credit report since I didnt have access to my account to even pay for it.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  Balance : {$540.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX XXXX  XXXX : XXXX. XXXX, 2023.
Product: Debt collection

Several letters have been sent asking them to bear my signature and all me letters and gone un answered. They have failed to comply with the FCRA and not provided any documentation. This information needs to be removed at once.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : While checking my most recent credit report, I noticed Fraudulent credit Inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : 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 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 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 XXXX XXXX XXXX XXXX XXXX 

Please validate info with these companies and provide me with a copy 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 you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Mortgage

My mom had a home equity loan with wells fargo, she passed away in XX/XX/2021. Because this is tied to both of my parents mortgage ( also with wells fargo ), he is still in debt to pay off said loan. However, they will not give him any information, wells fargo has change the monthly payment, but will not allow for him to ask questions. He is not on the home equity loan, but he is on the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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

Equifax is doing so many illegal things to my credit report In less than one month had been changing a paying history of acceptance now 3 time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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: Checking or savings account

My phone was hacked on XX/XX/XXXX and an u authorized party used that access to connect my XXXXXXXX XXXX  account to my Robinhood account. Between XX/XX/XXXX and XX/XX/XXXX the thief tried to spend the money but XXXX XXXX blocked the transaction. The money remains in my Robinhood account. I have reporters the fraudulent activity to robi hood but they declined to return the funds to my XXXXXXXX XXXX account. They have blocked my access to remove the funds from my Robinhood account and they will not respond to any of my requests for assistance. I tried calling and emails and no reposonse.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Student loan

I have been making qualifying PSLF payments since XXXX XXXX on my direct student loans. I signed up for the program and have submitted 3 employment certifications since I signed up in XXXX. They are for some reason not counting payments I made from XXXX even though nothing changed. I always paid on time and was on an IBR and worked for the same company ( a XXXX XXXX community hospital ) from XXXX-now. I also noticed a qualifying payment rollback by about half during the XX/XX/XXXX billing period to which they can not account for. I called today XX/XX/XXXX to try and get this fixed and they said they will review it in the next 60 days, however I ca n't help but feel they have completely XXXX up my PSLF payments. I should be done paying in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian has refused to remove an account on my credit report that is the cause of fraud. I have previously included the FTC identity theft report proving this. Now, I am attaching a letter from the company, stating that they can find no verification of the account under my name and that they also have requested Experian to remove the account. However, Experian has not yet removed it, violating my FCRA rights.