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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative information on my credit report that has been affecting my credit score. Upon reviewing my report, I have found several inaccuracies that I would like to bring to your attention. 

Firstly, I did not authorize an inquiry by XXXX XXXX, XXXXXXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Secondly, I have no recollection of belonging to an account with XXXX XXXX XXXX, account number XXXX. Therefore, it is not possible for you to update this account, and I request that you remove it immediately from my credit report. 

Thirdly, I would like to dispute the accuracy of the reporting for my XXXX XXXX  account, account number XXXX. To the best of my knowledge, this account has never been paid late, and the reporting is completely inaccurate. I urge you to update this account and delete the incorrect information immediately. 

Fourthly, I have no recollection of belonging to an account with XXXX  XXXX XXXX, account number XXXX, and Fifthly, XXXX  XXXX XXXX, account number XXXX, and Sixthly, XXXX XXXX  account number XXXXXXXXXX. Therefore, it is not possible for you to update these accounts, and I request that you remove them immediately from my credit report. 

Seventhly, I did not authorize an inquiry by XXXX XXXX, XXXX XXXX on XX/XX/XXXX. Additionally, inquiries on my report have reached the statute of limitations. 

Lastly, I can not recognize the business XXXX XXXX, account number XXXX, and I request that you investigate this account and delete it from my credit report if it does not belong to me. 

I hope that you will take the necessary steps to correct these inaccuracies in a timely manner. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

While checking my credit scores, I noticed a HUGE drop ( 44 points ), in my XXXX credit score report with a collection from XXXX XXXX for {$68.00} dollars saying the account was opened XX/XX/XXXX, but no further details were available. I noticed this around the middle of XXXX, after my credit chart showed XX/XX/XXXX, was when my score dropped. I had absolutely NO clue what this was from or why it was showing on my credit score. I could NOT see any other information regarding this collection until three or four weeks later. I was then able to see it came from XXXX XXXX XXXX XXXX. I NEVER received any bills, invoices, phone calls, voicemails, emails, or paper mail in any format from XXXX XXXX or XXXX XXXX regarding this. I called XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX, at XXXX XXXX. with the knowledge that they open at XXXX XXXX. I immediately got sent to voicemail and hung up. I called back right after, at XXXX XXXX. to once again be sent to voicemail. I left a detailed voicemail the second time inquiring about this collection/ bill and asked to have a call back. I still have not received a call from them.
Product: Debt collection

There are 3 accounts taken out in my name when I was overseas. I contacted capital one and asked to dispute and they said it was accurate I said it was fraud and they refused to take it off my report. The last name on some accounts arent even my last name nor is the social on 2 of them so Im confused on how they can hold me responsible
Product: Credit reporting, credit repair services, or other personal consumer reports

there was letter dated Month of XX/XX/XXXX to XXXX XXXX requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from XXXX with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the XXXX XXXX asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent XXXX XXXX  on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that XXXX XXXX have took to ad the negative information on my credit according to fora law how ever XXXX was not success full to remove the information the respond was over 30 days from XXXX the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the XXXX XXXX failed to resolve this issue again the XXXX giving the sad excuses to not remove this account
Product: Credit card or prepaid card

I received a letter in the mail on XX/XX/23 about a recent application that I did not apply for from Capital Comenity Bank. I have tried calling for 2 days and no one will answer the phone.
Product: Credit card or prepaid card

Citibank has several credit card products that reward spending on them with XXXX XXXX miles. I have used their cards extensively the last several years and have accrued a significant number of miles in the AAdvantage program. 

XXXX  has recently closed my account with them alleging " accrual of ineligible miles and benefits ; through fraud, misrepresentation and/or abuse of the AAdvantage Program. ''  I have done no such thing and have only earned XXXX  miles through legitimate spending on Citibank credit cards. 

Neither company has responded to my requests for more information regarding the alleged fraud and by closing my account they have effectively robbed me of over {$15000.00} of accumulated miles. I used my Citibank cards in good faith and expected them and their partners to hold up their end of our agreement. Citi is responsible for the companies that they choose to partner with on financial products and it should not be up to me to chase down fraud claims when all the points were awarded from Citi. 

I seek immediate reinstatement of my XXXX  account or fair monetary compensation for the value of the miles in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XXXX XXXX, XXXX. On XX/XX/XXXXXXXX, I called into XXXX   after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from XXXX. 
I called into XXXX many times in reference to disputes that I had placed with XXXX, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that XXXX  couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from XXXX at my updated physical address in XXXX of XXXX. which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of XXXX in the areas that works to prevent identity theft, where one purchases a plan from XXXX. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at XXXX in the past also in the middle of a phone call. I have had to call them back many times. 
Since XXXX XXXX  and until my phone call with XXXX today, XXXX XXXX my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/XXXX  my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.
Product: Checking or savings account

RE : PERMISSIBLE PURPOSE LETTER To whom it may concern.

I, never gave ( CHEX SYSTEMS ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. I have already sent 5 validation letters via mail. I have not received a response or update in regards to this matter. 

All accounts in dispute listed below : XXXX XXXX XXXX Account Number : XXXX Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I sent in to XXXX and Transunion a certified letter ( s ) in regard to addresses listed on my credit report which are not mine. I have never lived at the addresses listed below and I have already expressed this to the credit bureau ( s ) in which they still have these ownerless addresses on my file. The addresses that are not mine and I have NEVER lived at are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Under FCRA 15 U.S.C. 623 " A furnisher must NOT furnish inaccurate consumer information to CRA. Also, " when Congress passed the Fair Credit Reporting Act ( FCRA ) required credit reporting companies, and the companies that give them information, to respond appropriately when notified of errors. '' These incorrect and nonbelonging addresses need to be removed immediately by law and Consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with your agency on XX/XX/2023, which referenced two ( 2 ) accounts erroneously being reported on my credit report. As of today, I have not received a response from your agency regarding the dispute results, despite the fact that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to respond to disputes within 30 to 45 days.

I would like to remind you that under the FCRA, if a credit reporting agency fails to respond to a dispute within the required time frame, the disputed account must be deleted from my credit report. Given that it has been more than 45 days since I filed the dispute, I am requesting that the disputed account be deleted from my credit report in accordance with the FCRA. 

The accounts that were disputed are as follows : XXXX XXXX XXXX, account # XXXX. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete this account. 

XXXX XXXX XXXX, account {>= $1,000,000}. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector own this debt and has the legal authority to collect it or delete this account If you did investigate, please mail me the proof of your investigation dated between XX/XX/2023 and XX/XX/2023 which covers the 45 days allotted to complete the investigation or delete this account
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell the 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXXXXXX Balance Owed : {$4200.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

The account in question is associated with Pro Collect, opened on XX/XX/year>, for the amount of {$170.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. 

According to the FCRA, it is imperative that all information reported to credit reporting agencies is accurate and complete. The failure to report the correct payment status constitutes a violation of federal law. Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. 

Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you are unable to provide accurate reporting. 

Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it. I expect a response within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

We are small business owners. My husband and I share a Wells Fargo business checking account. I can not get an online access setup even after calling the XXXX customer service department several times, while my husband has no problem getting his online account set up with their help. We both have very high credit scores and work at the same company. They could not tell me why they couldn't help me and I felt I was discriminated against the way they treated me. After spending hours talking with different people and being transferred to more people. At the end. I gave up. Since my husband 's on-line access is working, I am fine without the online access, I thought. That is until today, when I received a cashier 's check in mail from Wells Fargo, They decided to close our bank account without our consent, explanation, nor prior notification. This resulted in disruption and loss of money since we could not receive our monthly payment to the account. We have never requested to close the account. The over {$2000.00} cashier check we received does not have our names on it. They can not deposit to our personal bank account. We lost money because XXXX illegal activity. 

We would like CFPB to investigate Wells Fargo 's and help us recover the fund we have loss due to XXXX 's wrong doing. 

Thanks
Product: Credit reporting

On XXXX/XXXX/15 I disputed several accounts on my Experian and XXXX XXXX credit reports. 
XXXX/XXXX/15 XXXX deleted XXXX accounts ; XXXX duplicate XXXX and XXXX collection accounts and XXXX old XXXX account XXXX/XXXX/15 Pulled Experian credit report which still shows the XXXX accounts above
Product: Debt collection

The company could not find the account. The amount owed was charged off, but I never received the 1099C for the amount. Plus, the agent said that the amount was wrong.
Product: Credit card or prepaid card

ReliaCard XXXX XXXX XXXX ( for Child Support ) Spring of XXXX I was asked to confirm my identity with the new app ReliaCard was requiring. For XXXX months I was unable to use my account because the photos of myself weren't clear enough or light enough etc. I ended up attempting to validate my acct. XXXX XXXX with waiting time in between to see if it qualified. 

This accrued XXXX of child support that I was unable to use. 
When I finally got my ID confirmed with their app, I used it a couple of times to see it worked at a grocery store. Ironically, my account gets frozen again within that week of using it. 
XX/XX/XXXX Card to Bank XXXX to XXXXXXXX XXXX Personal Checking- ACH Withdrawal {$1900.00} XX/XX/XXXX Card to Bank XXXX XXXX XXXX same for {$1000.00}. 
XX/XX/XXXX Card to Bank XXXX to XXXXsame for {$800.00}. 
My online account was hacked, the hackers changed my email address and alerts to my phone. Reliacard said " no error occurred '' and will not refund my money. 
I have spoken with them on the phone XXXX times, various managers, fraud dept. with one finally realizing my email and phone were changed on my account and still no change in their findings. 
Police Report was filed the day after I realized fraud happened. Case XXXX XXXXXXXX XXXX XXXX XXXX Police Dept . 

ReliaCard Case number is # XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never transferred money in my XXXX years of having this card for child support. 

See attached timeline and supporting documents.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request a XXXX  Block Request. I am a victim of XXXX XXXX The information listed below which appears on my credit report, is a result of that XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
This fraudulent, inaccurate, and false information consists of a collections account from XXXX XXXX XXXX  with a balance of {$310.00}. A collections account with XXXX XXXX XXXX with a balance of {$1000.00}. A collections account with XXXX XXXX XXXX XXXX with a balance of {$410.00}. A collections account with XXXX XXXX XXXX  with a balance of {$2800.00}. A collections account with XXXX XXXX XXXX  with a balance of {$2000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Equifax couldn't help me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX