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, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have reached the statute of limitations and should be removed from my credit report. 

The XXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX )XXXX XXXX  ( account number : XXXX ), and XXXX XXXX account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Debt collection

Tate & Kirlin calls and texts every day from different numbers in the XXXX, XXXX and XXXX area codes. I do not answer because I know they are trying to reach someone else named XXXX based on their texts. I am not XXXX. I have no overdue debt and a very high credit score with no delinquencies. They clearly have the wrong number but will not give up.
Product: Student loan

After Mohela sent me a loan forgiveness letter in XX/XX/XXXX, they decided to reinstate my loans in XX/XX/XXXX, with no notice. While I was trying to figure out what was going on with my account, I fell behind in payments. I've gone from making $ XXXX per year to a part-time job making $ XXXX. I requested forbearance and it was denied, again with no notice. I discovered my forbearance was denied by tracking my submission online.
Product: Credit card

I bought an item through Walmart online, through my Walmart account via PayPal. I tried returning the item 4 times. No response from Walmart. I contacted them via phone. They assured it would be refunded, no further action by Walmart taken. It has been over 6 mos.

I then found the charge on my PayPal was refunded. And I had a positive balanc eon my Paypay account. Then about a month later ( XX/XX/23 ) I was recharged for the same billing. From the same company. I disputed the charge and I have had no response. I packed the item and took it to Walmart and they refused the return.

The I find out Synchrony handles the entity 's finances on all accounts. Synchrony has manipulate dmy accounts before with Walmart and Samsclub a year ago and it took extensive work to get them to correct the actions.

Synchrony, has manipulated my accounts a couple of times on 3 different platforms!!
Product: Money transfer, virtual currency, or money service

I deposited a check that was sent to me. I made the deposit at PNC Bank. I was asked to send a wire transfer for {$10000.00}. I sent the wire transfer right after depositing the check. I went back to the bank a few days later and asked why the account was flagged for fraud and the bank said the check was no good. There were no funds. I can't remember who sent the check, or made the request. It's been over 2 years and this was during XXXX.
Product: Debt collection

I was contacted about a debt owed to XXXX XXXX for {$160.00} by Sunrise Credit Services , Inc. of XXXX XXXX XXXX, XXXX, XXXX XXXX. I agreed to pay {$20.00} monthly by auto draft. The payments were taken for three months totaling {$60.00} and then on XX/XX/year> I made a lump sum payment of {$100.00} to pay the debt in full. On XX/XX/year> the company processed another payment for {$20.00}. I contacted them on the overpayment and the agent said that was my fault for not notifying them of the payment made even though they showed the payment and a XXXX balance. I asked where I was told to notify them and the agent raised his voice and said he was disconnecting the phone. I told him before he did that to connect me to a Supervisor he put me on hold 15 minutes and came back stating the supervisors were in a meeting and hung up. I need this company checked for practices and the refund of the overpayment and written notice that XXXX and all credit reporting agencies have been notified of the payment in full paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a distpute this bankruptcy does not belong on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

when i tried to apply for a loan that i can pay off my debts off my credit report its reporting to them my personal information where no one has the right or my consent to share information its stopping me for opening up a business checking account that im afraid if it keeps on happening im going to close down my business due to i cant open a business checking account or help to build up or fix my credit if it money they want how they going to get there money i owe them if they stopping me from it and i dont who is doing this
Product: Credit reporting or other personal consumer reports

Inquiries on credit that doesnt belong to me And wrong name and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I would like for the company to remove inaccurate information on my credit report closed and charged off accounts are still reporting.XXXX XXXX is reporting late payments and the account was XX/XX/XXXX & XX/XX/XXXX {$470.00}. XXXX XXXX is reporting XXXX for XXXX and XXXX and XXXX is reporting XXXX Montgomery ward is reporting XXXX past due on all credit bureau.
Product: Credit reporting or other personal consumer reports

To : U S Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Failure to Comply with 15 U S Code Section 1631 Disclosure Requirements To Whom It May Concern I am writing to formally dispute the inaccurate and misleading reporting of my U S Department of Education accounts, as reflected on my credit reports from XXXX, XXXX, and XXXX. I have previously contacted your institution and the credit bureaus multiple times over the past year, yet I have received no satisfactory response or resolution. This ongoing failure to properly investigate and correct these inaccuracies constitutes a clear violation of both federal law and your fiduciary responsibilities. 

The accounts in question are as follows : XXXX U S DEPT OF ED XXXX XXXX Account Number XXXX reported twice XXXX XXXX DEPT OF EDUCATION Account Number XXXX XXXX DEPT OF EDUCATION Account Number XXXX XXXX DEPT OF EDUCATION XXXX Account Number XXXX XXXX Us dept of education Balance XXXX It is my understanding that under 15 U S Code Section 1631 you are required to provide full disclosure of my credit obligations. I have repeatedly requested this documentation and full disclosure of the terms of my alleged debt, yet U S Department of Education has failed to provide the required information within a reasonable time frame. This lack of transparency not only violates the law but also reflects a blatant disregard for consumer rights and legal obligations.

Immediate Action Required 1 Provide Full Disclosure I demand that U S Department of Education immediately provide full and accurate disclosure of all credit obligations associated with these accounts, including but not limited to original account agreements, payment histories, and any other documentation necessary to validate the debt in accordance with 15 U S Code Section 1631. 

XXXX Correct Credit Reporting Errors These accounts must be corrected and updated accurately across all major credit reporting agencies XXXX, XXXX, and XXXX. Continued misreporting coupled with your failure to provide adequate investigation will leave me no choice but to pursue legal action. 

XXXX Cease and Desist Unauthorized Reporting If the debt can not be substantiated, U S Department of Education must cease reporting these accounts to credit bureaus immediately. Continued reporting of unverified or inaccurate information is a violation of the Fair Credit Reporting Act FCRA, for which I reserve the right to seek further legal remedy. 

Failure to respond to this letter within 30 days with full disclosure and rectification of these errors will result in further escalation, including filing complaints with the Consumer Financial Protection Bureau CFPB, the Federal Trade Commission FTC, and considering legal action for damages caused by your failure to comply with both the Truth in Lending Act 15 U S Code Section 1631 and the Fair Credit Reporting Act. 

This letter serves as your final opportunity to address and rectify these violations before I pursue further legal remedies. 

I expect a timely and comprehensive response. 

Sincerely XXXX XXXX
Product: Debt collection

In the month of XX/XX/2022 Navy federal credit union credit me {$34000.00} for an auto loan which is the wrong amount and not required amount to pay, including the amount of {$12000.00} of credit card credit Therefore demanding loan amount to be dismissed and consumer violation feees to be owed to consumer ( XXXX XXXX ).
Product: Vehicle loan or lease

My account was paid in full as of XX/XX/2015 to Wells Fargo Dealer Services/Wells Fargo Auto. Wells Fargo Dealer Services reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from Wells Fargo Auto that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple Dispute letters and CFPB Complains I have been submitting to the Credit Reporting agencies, the Credit Bureaus have been consistent with their negligence and have kept ignoring my requests. How many times do I have to tell the Credit Reporting agencies that I have been a vicitm of Identity theft and I never made the charges nor authorized anyone about these fraudulent accounts. My information has been exposed in the XXXX data breach. The following accounts are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The Credit reporting agencies are required to remove the disputed accounts and information from my Credit File under the Fair Credit Reporting Act section 605b, however, the Credit Bureaus have been claiming that the disputed accounts belong to me without sending me copies of proof of verification. This is a clear violation of a consumer 's rights Under the Federal Regulation FCRA section 605b. I recently sent a letter to the Credit reporting agencies last XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. I am expecting that the Credit Bureaus will have the disputed accounts deleted from my Credit File within the time allowed by the Federal law. Once again, I am requesting the immediate removal of the following accounts completely from my Credit File : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXXXXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX INCORRECT Following information to be REMOVED FROM MY CREDIT REPORT Due to IDENTITY THEFT AND ERRORS. 

XXXX XXXX TransUnion : Addresses : XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX : XXXX XXXX - Account XXXX ... .. XXXX {$8700.00} - XX/XX/XXXX Account XXXX ... XXXX {$10000.00} - XX/XX/XXXX TransUnion & XXXX XXXX XXXX XXXX Account XXXX .... {$2600.00}. - XX/XX/XXXX TransUnion : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX .... XXXX {$68.00} - XX/XX/XXXX XXXX : XXXX XXXX - Account XXXX .... XXXX {$9700.00} - XX/XX/XXXX Inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I HAVE SENT ON SEVERAL OCCASIONS for YEARS SENT THE FOLLOWING : 1. AN STATE ID 2. POLICE REPORTS 3. SSN 4. LIST OF ACCOUNTS YEARS OF XXXX RESPONSE. AGAINST THE. LAW. 
AS A RESULT ; I HAVE BEEN UNABLE TO FUNCTION IN GETTING A HOME, A JOBS AND AIDING MY BUSINESS. THIS HAS COMPLETELY HANDICAP MY ABILITY TO TAKE CARE OF MY FAMILY.
Product: Credit reporting or other personal consumer reports

I have informed the collection agency regarding account # XXXX ( collectibles mgnt resources ) that I currently have two accounts on my credit report for a XXXX  child who was placed in my care and was struggling with XXXX  issues and had to be taken to the hospital via ambulance. I provide the information I was given by the child 's social work in case of medical treatment was needed. The child is no longer in my care however I am being charged over {$6000.00} dollars just for trying to do the right thing and assist a child that was a ward of the state. When speaking with the collection agency they advise that I have to pay or get child 's insurance information in which I do not have and was never given because it was not permanent placement. I would like both of these items removed from my credit report because I am not responsible for the payment.
Product: Credit reporting or other personal consumer reports

Hello! Im writing about an issue Im having with Transunion. 


There are four closed accounts showing on my Transunion credit report, all STATING that I have zero late payments, but then reporting that I have multiple late payments. Ive asked them to verify the correct dates and amounts for the closed and charged off accounts, as both the date and amounts are different across all three bureaus. They SAID they verified the accounts but when I asked them to provide proof of said verification, the proof they sent doesnt even almost match whats being reflected on my account. In addition to that, there are dates that have been clearly changed and updated to have happened in XXXX  when these accounts have been closed for years. Is Transunion allowed to change the dates of when my accounts were opened/closed or the dates/amounts I paid? Can the CFPB possibly look into the validity of their claims and provide me with the proof of verification? The accounts in question are as follows : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Im just trying to have a uniform credit profile across all three bureaus, so I know what Im working with. If Transunion can not tell me why this information doesnt match and is actively still inaccurate, then I would like to have these accounts removed from my report completely. Thank you very much for your time!
Product: Credit reporting or other personal consumer reports

I am requesting to unfreeze my credit report for my XXXX loan application, which requires access to my credit information for background verification.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The account numbers that they are reporting is " XXXX '' and " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. XXXX tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 52 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

The banks are in violation of 15 U.S. Code 1681n for willful noncompliance of the FCRA. In accordance with the Fair Credit Reporting Act, the banks have violated my rights under 15 U.S. Code 1681 ( a ) ( 4 ) it states that I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 2 ) Credit reporting agencies can not furnish an account without my written instruction, under 15 U.S. Code 1666 ( b ), The banks may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S. Code 1681a, ( 2 ) ( A ) ( i ) my credit report must not include information on my transactions or experiences between me and the banks. 15 U.S. Code 6802 ( b ) Opting out, the banks must clearly and conspicuously disclose to me, in writing or in electronic form or other form permitted by the regulations that such information may be disclosed to Credit reporting agencies and I am given the opportunity, before the time that my information is initially disclosed, to direct that such information not be disclosed to credit reporting agencies ; and I am given an explanation of how I can exercise my nondisclosure option.

Per 12 U.S. Code 1431, Powers and duties of banks, is to borrow money, issuing bonds and debentures. According to the doctrine of ultra vires the banks claim I owe money is in violation of their corporate charters. A loan is a Deposit of Money by A Customer with Banker ; XXXX XXXX XXXX XXXX. These banks on my credit report are acting in fraudulent violation of doctrine of ultra vires never provided disclosure that when I applied for the loan or credit, that I was actually providing the value in the transaction per Federal Reserve Act, Section 16, number 1 & 2.

" Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes 'fraud, ' and entitles party deceived to avoid contract or recover damages. 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, High Desert Creditors Service reported a collection account on my XXXX credit bureau file in the amount of {$190.00} for XXXX XXXX Department. The date of the account is XX/XX/XXXX. I have NEVER been contacted by anyone at XXXX XXXX Department or High Desert Creditors Service by phone or mail. This is not my debt. I have NEVER been to XXXX, CA at any point in my life. Additionally, I am a resident of Florida. High Desert Creditors Service does not have a Florida collection agency license as required by Florida law ( See Attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX, XXXX XXXX ( Original Creditor : XXXX CXXXX XXXX ) XXXX Balance : {$1200.00}, XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$950.00}