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

On XX/XX/XXXX on XX/XX/XXXX The companies in question XXXX XXXX Transuion All credit agencies Had 30 days to delete or remove the fraudulent items below also had 4 buisness days to remove the Fraudulent items within 4 buisness days after acknowledgment of the items confirming and identifying identity theft according to Section 605 B of the FCRA! XXXX have violated my consumer rights My attorney have sent XXXX a certified representation letter and Faxed proof of identity theft information they have not responded or removed the fraudulent items from my credit report XXXX - Collection ( XXXX XXXX XXXX XXXXXXXX $ Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also Transuion and XXXX blocked me from viewing or logging in to dispute online XXXX have not updated any information or deleted fraud inquiries or Accounts XXXX had 30 days to remove BELOW ACCOUNT XXXX XXXX XXXX $ collection And any accounts thats showing late payments Ive also sent a certified letter to XXXX Verifying Drivers license Proof of address XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone XXXX Police Report FCRA letter section 605b they have not removed the fraudulent accounts according to ftc! These companies have not provided me any proof of the original contract nor they provided me proof as to how these accounts are mine with that being said all comps murd above had 30days to resolve my dispute they all have failed to protect my consumer rights as of XX/XX/XXXX Im taking legal action in federal court to recover emotional distress And violations of my consumer rights!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don`t belong to me. Please remove from my credit reporting agencies. Please see beloww the lis of accounts that are reporting derogatory on all 3 credit reporting agencies.
Product: Debt collection

Debt is not mine ; XXXX misunderstood my previous submission and is treating the situation unfairly. 

If you would review my previous statement : This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. This needs to be removed immediately. 

XXXX needs to contact the ORIGINAL company as I stated in the above referenced case ; I never stated I attempted to contact NCAC ; Instead I stated the company ( XXXX ) stated these details. No idea why XXXX would 've ever even purchased this account. We dealt with the original management agency of XXXX ; The account in question ; had multiple phone calls with the manager of that office and was told I would not be liable for this debt. 

XXXX needs to provide research into this matter, They need to contact the MANAGEMENT company at the TIME of the case between XXXX-14 - XXXX-14 which will notify them that I am not liable for this account, I would like XXXX to provide the details of the company they contact so that I can take appropriate legal action in the County to handle this if it 's not resolved immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX All credit company Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 

Please delete the following addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX Please delete the following phone number : XXXX ) XXXX This is not my number Please update My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) I did not authorize the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 


XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit card

I am writing to formally raise a complaint regarding services received during my XXXX XXXX XXXX, Carnival XXXX vacation. 
During the cruise, I consulted with the XXXX XXXX XXXX  XXXX  regarding facial filler treatments, a service I previously underwent on a Carnival XXXX  in XXXX. Following his recommendation, I opted for the XXXX treatment instead. The doctor assured me that XXXX would provide immediate results, ongoing improvement over time, and last for 35 years, making it a better long-term value despite its higher cost ( {$3200.00} ). Based on his professional guidance, I trusted these representations and proceeded with the treatment. The doctor also encouraged me to apply for the Carnival Mastercard to facilitate the payment interest-free. 
Unfortunately, the promised results were not achieved ( no results were achieved ). I relied on the doctors expertise, but the outcome fell drastically short of the representations made, leaving me feeling misled. When I contacted Carnival about this issue, I was directed to XXXX XXXX XXXX, the third-party provider managing spa services. Carnival stated they bear no responsibility for XXXX XXXX XXXX services. However, I paid Carnival for those services as evidenced on the Carnival Mastercard statement. 
Attempts to resolve the matter with XXXXXXXX XXXX XXXX have been equally unsatisfactory. Despite acknowledging receipt of my initial complaint via email, they have failed to respond to multiple follow-ups. On XX/XX/XXXX, I managed to reach a representative by phone, but after explaining the nature of my complaint, the call was disconnected. Further attempts to contact them have been unsuccessful. 
I contacted Barclays, the issuer of Carnivals Mastercard, to dispute the charge. Despite providing all relevant documentation, they declined to investigate the matter thoroughly. I reached out to them by phone on several occasions but was not allowed to speak directly with anyone regarding the dispute. Instead, I was instructed to submit my dispute exclusively via fax or mail. After following their process and escalating the matter by asking them to reopen the dispute and review my additional information ( submitted via fax ), I received a letter stating they had reviewed my case but declined to provide further assistance. They referred me back to Carnival for any credit. 
I trusted Carnival and its representatives to provide high-quality services and accurate guidance, but this experience was deeply disappointing. I kindly request your assistance in resolving this matter promptly and fairly.
Product: Credit reporting or other personal consumer reports

I came into the branch two times in XX/XX/year> XXXX time to make a payment and the other to set up auto pay. For some reason, the teller did not set up the auto pay in XXXX. I was never given a document to sign and the bank is claiming it was just never set up Now come back in XXXX to set up auto pay and find out that my credit score dropped so I set up auto pay again. Theres a document theyre claiming that I signed, but it is not my signature but my banking details that this bank has forged documents on my behalf, I also feel this Bank is not willing to fix the issues because of the problems I have brought to them. I have raised many concerns to XXXX XXXX XXXX XXXX, and XXXX XXXX all three are standing by their decision and are not willing to fix the banking error on their end, my credit score dropped XXXX points because of this, and would like to see what I can do in regards to this, as I am not happy with their decision and unfairness in this matter. What worries me is that someone elses signature is on this document!!!! I have a copy of the document and all bankers involved. XXXX XXXX confirmed IT WAS NOT MY SIGNATURE ON THE DOCUMENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

There's errors reporting on my credit report from misrepresented data in light of the three ( 3 ) major credit bureaus and their faulty verification system. I was told that these accounts inwhich I'm disputing, ( # 1 ) XXXX {$940.00}, ( # 2 ) XXXX XXXX XXXX, and ( # 3 ) XXXX XXXX XXXX {$1000.00}, all been verified. However, as a general rule of law electronic Verification can not be accepted as proof of any sort. Therefore, I'm demanding physical documentation and a Method of Verification used in this investigation process, or as stated within the FCRA these accounts shall be removed immediately and permanently. As a consumer and a victim I have the right to know inwhom your company representative spoke with, name, title, day, date, and by what means of communication. Please provide me with all the above or as stated within Section 609, block these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


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

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Mortgage

We have had a mortgage with Suntrust Mortgage for over 10 years. They recently sold our loan to XXXX. We paid XXXX  in full so the home is now paid off. Suntrust Mortgage sent us a letter stating these changes would take effect on 11/30/2018. The payment was on an auto payment every two weeks for {$380.00}. Suntrust continued to deduct this amount 5 more times totaling {$1900.00}. They used a third party ( XXXX XXXX  ) to make these automatic deductions. I called the third party to request these payments to stop. They told me they could only refund me for the last withdrawal of {$380.00} in which they did but the amount refunded was {$380.00} not a big deal. But they also told me they couldn't refund me the other 4 withdrawals ( {$1500.00} ) made to my account because they were sent to Suntrust. I have begged and pleaded with Suntrust about this matter and I can't even get them to send me a statement. The third party ( XXXX XXXX ) told me to request a 3 month activity statement from Suntrust Mortgage but they will not do so. I am at a loss on how to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX  ( XXXX ) Amount {$1600.00}, XXXX XXXX ( XXXX ) Amount {$3900.00}, XXXX XXXX ( XXXX ) Amount {$1200.00}, XXXX XXXX XXXX XXXX ) Amount {$960.00}, XXXX XXXX XXXX XXXX ( XXXX ) Amount {$3000.00}, XXXX ( XXXX ) Amount {$2100.00} has violated my rights. The above accounts were previously disputed XX/XX/2022 and have not been deleted from my credit report.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I need help with this student loan MOHELA ACCOUNT The MOHELA/DOFED student loan account XXXX is the same as XXXX XXXX. That XXXX account is already paid for in full. 

This is the same student loan that I have had with XXXX before. 
I NEED Mohela to remove that account because I do not owe anything to them Mohela needs to report to the credit bureaus that the account is close paid in full. 


MY EMAIL ADREES IS XXXX Let me know your answer via email. 
Thanks XX/XX/2022
Product: Debt collection

On Thursday, XX/XX/XXXX, I contacted Renton Collections ( RCI Billing ) to pay a debt I had tried once already to dispute. This was for {$970.00}. I paid it. Confirmation # XXXX. I was told the creditor was XXXX XXXX XXXX XXXX, for services provided in XX/XX/XXXX. They are a contactor that works with XXXX XXXX in XXXX. While on this call with XXXX, she informed me that two other accounts were also in collections with their company. Both of these accounts were also through XXXX XXXX XXXX XXXX. I had attempted to dispute these debts previously, and as they dropped off my report on XXXX, I assumed this was resolved. I disputed them on the grounds that I had been granted Financial Assistance through XXXX XXXX. XXXX then advised that I obtain copies of the award letter and email it to their office. The first time I did this, she claimed they had never been received. I copied and pasted the email address I had first sent these to, and sent them again, and then called her, and she had received them. XXXX then advised that I should reach out to XXXX XXXX XXXX XXXX  to expedite the process of clearing these debts which should have been covered by the award letter. When I reached out to XXXX XXXX, they advised that they only had records from XXXX XXXX and onward. These XXXX additional debts were from XXXX. XX/XX/XXXX ( XXXX ) as well as XXXX XXXX, XXXX ( XXXX ). These account numbers I have provided here are account numbers that RCI Billing assigned to the debts, not account numbers assigned by XXXX XXXX XXXX XXXX. XXXX XXXX has no record of these debts. They referred me to previous billing companies they had used, in hopes the accounts could be found there. They were not. So essentially, I have no means to dispute these debts with these award letters. I then called RCI again and requested the information of the billing company and the account numbers. They refused at first, and I kept asking. they then gave me numbers, but after contacting XXXX XXXX, I was told those would not be account numbers that they would use. RCI also advised XXXX XXXX would not accept the assistance from the hospital. I spoke with XXXX XXXX, who was very helpful, and who tried to help locate the account, but to no avail. XXXX XXXX also informed me that typically, XXXX XXXX would accept the financial assistance from XXXX XXXX. I had assumed that any and all medical debts would be taken care of, per the XXXX XXXX at their hospital. So, when I discovered they were owed, I was very surprised to say the least, and I attempted to dispute them. And now here I am with no other way, according to RCI Billing, to settle this matter without paying these debts in full. I never received billing statements from RCI for these debts and was not aware they were even owed, and now they are in collections and i have no way to dispute them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute alleged late payments reported on my account.This late payment was reported by XXXX XXXX Bank to credit reporting agencies Experian, XXXX and XXXX. I believe these entries are inaccurate as the payment dates and transactions have errors.I do not believe the creditor has followed legal requirements to report such under the Fair Credit Reporting ACT and related laws. 
Legal Basis for Dispute : Under 15 USC 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report.As such, any transaction between myself and XXXX XXXX regarding this account should not be included in my consumer credit report. 
Under 15 USC Code 1681a ( 2 ) A ( ii ), 1666b and 1637b, the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request For Action : If XXXX XXXX can not provide necessary proof of mailing the required information, I request that these late payments be deleted from my credit report.Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payment ( XXXX ) in Question XXXX, XXXX, XXXX, XXXX, XX/XX/year>. 

Thank you for your prompt action to this matter. I look forward to your response and justification that these illegal and inaccurate late payments have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have attached a copy of the identity theft police report to this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX requested funds of XXXX dollars from EARNIN then repaid it same day but on XX/XX/XXXX they AGAIN went into my account and took the payment again. We are supposed to receive a loan and pay back when we are paid 2 weeks later not the same day. I have reached out for weeks proving with screenshots thru the chat line but they just ignore answering my questions and keep repeating the list of transactions instead of acknowledging that Im being charged again for the same thing twice. I have called my bank and requested a stop payment since the payment they took again on XX/XX/XXXX is still processing
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity Theft. I received a copy of my credit report and have no knowledge of these unknown inaccurate fraudulent accounts and addresses. I have reached out to these companies many times to remove these accounts and addresses and the respond that they have been verified but has not sent me any documents with proof of verification. These companies have added new dates and remarks to these fraudulent accounts which are closed and charged-off.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos sXXXX XXXX XXXXXXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a company of XXXX and XXXX XXXX up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX XXXX XXXX, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell XXXX to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with XXXX many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, Experian, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell XXXX. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, Experian, XXXX, and XXXX and cancel my debt with XXXX I will contact Civil Rights Commission and think about next step on how mortgage is denied. Frauders and liars.