23daVinci/CFPB_Complaints huggingface dataset:
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. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with TEXAS HIGHER EDUCATION COORDINATING BOARD and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC 1602, to obtain money to attend the XXXX XXXX XXXX XXXX XXXX. For the TEXAS HIGHER EDUCATION COORDINATING BOARD to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they communicated with the ATTORNEY GENERAL OF TEXAS which is a violation of 15 USC 1692c ( b ) and 15 USC 1692e ( 3 ). In this communication it stated that I was delinquent in the repayment of said debt and threatened me with suit, which is a violation of 15 USC 1692e ( 1 ) and 15 USC 1692e ( 5 ). Said communication is also in violation of 15 USC 1692d ( 1 ) and 15 USC 1692d ( 2 ) as they illegally threatened me with suit and used abusive language. In the very same communication, they stated that an amount is due which is a violation of 15 USC 1692j ( a ). Furthermore, TEXAS HIGHER EDUCATION COORDINATING BOARD communicated with XXXX and had information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing TEXAS HIGHER EDUCATION COORDINATING BOARD apply the seven single payments, totaling {$1400.00}, to myself by check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX/XXXX XXXX XXXX XXXX paperwork for what is being reported, seems excessive amount of lates have been reported. It doesn't seem consistent information is being reported. Even after requesting investigations nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX Date of inquiry XX/XX/20XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX XXXX  XXXX ( Original Creditor : 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has consistently reported an account as late. This account is not late. Ive disputed. I've sent in supporting documents. This is
Product: Debt collection

I have had a traditional XXXX account for over 40 years. There is no balance on this account. 
I started to receive a bill for a XXXX XXXX XXXX XXXX account for approximately XXXX in XX/XX/2016. 
I have never opened this account or charged anything on it. I do not have this credit card. When I called XXXX they had no record of the account and I was advised to call XXXX XXXX who also said they have no such account. 
No one was able to give me any explanation nor could they cancel something they had no record of. However I have continued to be billed for this. 
Any help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and I found more hard inquiries that are unknown and fraudulent, I immediately contacted these companies and also called Transunion but they didn't help me. This is a very serious matter, someone has been using my credit and I need to have these fraudulent hard inquiries removed from my credit report. I very concerned about this, I just place a fraud alert on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX XXXX/XXXX XXXX and XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

Recently got a credit card in the mail. that I did not apply for. My bank called and checked it out at bank of America and someone opened a credit card and cashed a fraudulent check in my name. also I'm a victim of identity theft all my online stuff accts. e everything compromised. I think it's a new boyfriend. Bring sneaky trying to steal my use and steal my identity and I recently got an email from bamk of america on the XXXX saying i applied again for a credit card whichI didn't
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Hello, It appears the property taxes on my property have not been paid. I just received a NOTICE OF TAX ADVERTISEMENT from XXXX County on XX/XX/2020, stating that I have unpaid property tax dues of {$3300.00} ( including interest ). I have been paying my property tax escrows as part of monthly mortgage payment without missing a single payment. As per the closing disclosure, my monthly mortgage payment includes the following : Principal & Interest - {$1400.00} Mortgage Insurance - {$130.00} Escrow ( Property Taxes, Homeowners Insurance ) - {$320.00} Could you please ensure that Wells Fargo pays my taxes in full with interest to the county at the earliest? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18I opened a dispute with Experian disputing an error on my credit report with a recently opened collection, Experian completed the investigation on XX/XX/2018 and explained to me the information was accurate, so I submitted a reinvestigation on XX/XX/18 asking them to explain and show me proof of the accuracy since I told them the account was unverified, but after they completed it again on XX/XX/18, they said the information have not changed, I submitted the same disputed account with another credit agency ( XXXX  ) and they removed the same account because the information was not accurate.
Product: Debt collection

this company XXXX says i owe them when i paid this bill off and they are trying to say i owe {$2500.00}, they keep calling me and harassing me saying i better pay it or they will sue me. I'm tired of the calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

American Express advertises that the prepaid card can be used anywhere online if amex is accepted. However, all places I have tried ( XXXX, XXXX, etc ) shows that Amex declined the payment request, although the {$0.00} checks go through, as you can see in the attachment. This is a false advertisement from amex that the prepaid card is accepted anywhere online where amex is acceptetd. Amex call center is unable to resolve the issue. 

Gift card order at : amexgiftcard.com Gift card order number : XXXX Order amount : {$320.00} ( order summary attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/XXXX. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance XXXX owed. Why are the continuously reporting a closed paid account every month?
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report and received an email from the credit bureau claiming the disputes were filed by a third party. However, these disputes were submitted by me directly. I even called to verify my identity, but they still refused to process my disputes. I wasted money on mailing the disputes and sent personal information through the mail to confirm my identity, only for them to fail to conduct a thorough investigation.
Product: Checking or savings account

Problem 's WITH CHARGING MY CHECKING ACCOUNT FOR ( OVERDRAFTS Fees ) WHEN ONLINE BANKING SHOWS BALANCE AMOUNTS AND PENDING- WHEREAS PENDING ' ALREADY HAS TAKEN OUT OF ACCOUNT- AND BALANCE AVAILABLE- HERE tcf IS CHARGING OVERDRAFTS WHEN ACCOUNT ONLINE SHOWS TRANSACTIONS AND " RUNNING BALANCE 's '' I WAS CHARGED TWICE IN ONE DAY XX/XX/XXXX OVER DRAFTS OF {$37.00} EACH AND LOOKING BACK XX/XX/XXXX $ XXXX- THIS IS TOTAL {$110.00} IN OVERDRAFTS FEES AND ONLINE BANKING DOES " NOT '' SHOW ( ANY ) NEGATIVE BALANCE. *all PENDING AND POSTED BALANCES DO- NOT ( MATCH ) WITH ONLINE FROM tcf BANKING ( NOTICE ), does not show any negative, does not show when/time/day or order manor of when transactions " actually went thru '' does not SHOW the order of " pending '' when transpired ( thou my account is/was Not Negative- At All ) THE INTENTIONAL 'OVERDRAFTING OF CONSUMERS/ MY- ACCOUNT " IS FRAUDULENT/DECEPTIVE ACTIONS, of FINANCIAL HARM/LOSSES - TO BE CAUSING ME/CONSUMERS TO BE CHARGING OVERDRAFT FEES ON ACCOUNTS " WHEN NO-TRANSACTIONS OF NEGATIVE BALANCE ARE PRESENT. ONE WAS REVERSED -DUE TO LONG TERM 18 YRS RELATIONSHIP '' 4 TIMES CHARGED TOTAL.
Product: Debt collection

I was on a payment plan with this agency for a debt and they wanted me to pay more and repeated called and repeated told me what a loser I was because I could pay more than what I was ( I was and am unemployed ). They then just stopped taking my auto payments and continue to call and send letters. I have asked then not to contact me via phone repeatedly and wrote letters requesting my original payment plan. They ignore it and keep sending me the same letter saying I have ignored them. If I would have been on my payment plan from when they stopped it this debt would be paid. I can even put into words how upsetting this has been.
Product: Credit reporting or other personal consumer reports

The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.

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: Mortgage

XXXX XX/XX/2021 our house was sold and all paperwork was signed but on my credit its showing 30 days passed due but the account is closed showing a XXXX balance. All the paperwork and money for nationals lending and loan care were dated for XXXX XX/XX/2021 so there is no reason for my credit to show a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX Bank  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXredit Cards XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX has violated my rights .

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractic while severals laws were being broken under the FCRA by your company. This has caused me financial injury, it has caused me defamation of character. I can't get a job, I can't apply for credit. You have hurt my ability to obtain credit and I need this problem resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$40000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Credit Bureau Representative Subject : Dispute of Credit Report Information and Request for Description of Procedures I am writing to formally dispute the accuracy of specific information listed on my credit report. The disputed item ( s ) are as follows : 1. XXXX XXXX XXXX XXXX XXXX Incorrect balance of {$22000.00}. 
2. XXXXXXXX XXXX XXXX XXXX XXXX Amount financed is {$23000.00} and your are reporting {$22000.00}. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a detailed description of the procedures used to investigate my dispute, including the methods used to verify the accuracy of the information provided by the data furnisher. I have attached supporting documentation that validates my claim, including ITEMIZATION OF THE AMOUNT FINANCED. Please use this information to assist in your investigation. In accordance with FCRA requirements, I expect a response within 30 days. Additionally, please send me a copy of the updated credit report once the investigation is complete. Thank you for your time and attention to this matter. Please feel free to contact me if further information is required. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The XXXXday delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 someone opened a credit card using my identity information with Chase Bank. They used an address I had 15 years ago. They made one purchase for {$1200.00} on the card. They purchased something from XXXX XXXX XXXX the same day. I did not know anything about the account until I heard from the collections department last XXXX by phone. They closed the account and I just received the investigation results from XXXX. In the remarks, it said that the credit grantor closed the account and the balance was charged off. The alarming remark to me was that this will effect my credit report until XXXX/XXXX. This is unfair to a victim who did not open the account and did not make any purchases. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Checking or savings account

XX/XX/XXXX CashApp via Block has been holding my funds for the past XXXX  years without releasing them. I had a XXXX  XXXX on myself and old company back in XXXX. But I have filed the proper paperwork for release such as XXXX lien termination letter. I have repeatedly sent cash app via email proof of release but they still would not release my funds without a court order. The lien release is done by the Secretary of State not by the courts. I have absolute proof of my termination letters. 
I have attached proof