23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant tol5 USC Section 168li of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Account Number Comments Company Name XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX {$5600.00} -Fraudulent account Remove all fraudulent inquiries listed below : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information. 
Also, 15 USC Section 168li ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Additionally, 15 USC Section 1692c ( c ) states that if a consumer notifies a debt collector that the consumer refuses to pay a ( fraudulent ) debt, the debt collector must cease all communication.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I wish to dispute only one account XXXX XXXX XXXX I didnt apply for this account Never did business with XXXX and never lived at XXXX XXXX XXXX XXXX Texas XXXX and I have proof of address if needed.. 

Never own a email address XXXX XXXX  isnt giving me the option to send in a FTC police report and keeps rejection this dispute Please reopen this investigation for fraud/identity theft
Product: Student loan

Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance?
Product: Checking or savings account

On XX/XX/2022 I went to the Wells Fargo branch at XXXX XXXX XXXX XXXX in XXXX XXXX to make an atm deposit. I inserted {$240.00} into the machine. The machine started spitting bills back and ultimately could not complete the deposit. I requested that the machine give me my money back. It proceeded to provide me with {$140.00} and ate a {$100.00} bill. I opened a claim with Wells Fargo within XXXX minutes. I followed up with them about XXXX weeks later and they told me the claim had been erroneously closed. I opened another claim. I just spoke with them today and they informed me that the XXXX claim was closed because they counted the money at the teller and it showed I only deposited {$140.00}. The money was eaten by an ATM so it would not be at the teller, which I have explained to them multiple times. I have even offered to provide them with both the bank and the atm numbers so that that they could further look into it and I was told that they did not need that information. I have gone ahead and closed my account with Wells Fargo due to their horrible customer service and their lack of investigation
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Recovery text late at night the most recent was XXXXXXXX XXXX. from XXXX attempting to collect a debt for a company I do not even know. I have requested and Stop text request multiple times and they still text me.
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 {$2300.00}, {$2100.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I lost my wallet in XXXX which led someone to have access to alot of my documents including my social security card. I am in the start-up process of wanting to buy a home but upon doing a credit check, I see accounts on my credit report that have no affiliation to me. I made a police report. The police report DC # is XXXX. Please note that I am currently waiting on a physical copy. 
These accounts were all disputed. These accounts consist of : COLLECTIONS : XXXX XXXX ( original creditor XXXX XXXX XXXX  ) {$470.00} ; started reporting on credit XX/XX/XXXX. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$8600.00} started reporting on credit XX/XX/XXXX. 

ACCOUNTS : XXXX XXXXXXXX XXXX  " paid/closed '' ; reporting on credit XX/XX/XXXX. 
XXXX {$2400.00} & {$3300.00} XX/XX/XXXX. 
XXXX  {$4500.00} XX/XX/XXXX. 
XXXX  XXXX {$1300.00} XX/XX/XXXX. 
XXXX XXXX {$1700.00} XX/XX/XXXX. 
I have disputed these accounts with the bureaus and no action has been taken. Again, I am a victim of identity theft. Very important documents were in the hands of people other than myself and have been used to open accounts in my name. Which is why I filed the police report. photo of police report number is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called XXXX and Transunion they told me XXXX XXXX the furnisher told them they didnt send those inquiries out. Transunion nor XXXX deleted the inquiries
Product: Debt collection

A few weeks ago, I was was called in the operation managers office, because someone called my employer requesting payroll/employment information about me. I was told the name of the company was Performant Recovery Inc . 

I was stunned because i had no knowledge of who/whom was inquiring about my employment and i assured my employer that i had not been sued and there was no court order in place for my wages to be withheld. 

I was provided the name and number of the representative to call on my own. However, a few days later i received a notice prior to wage withholding from Performant Recovery , Inc . 

Please be advise ... i have no knowledge of what the debt is for. I was never contacted initially by them. I never received a collection notice so the debt was never validated ... .. they went straight to my employer to try and garnish my check and sent me a notice later to advise me of what it is they are trying to do to me .... which is bully me into paying something i know nothing about and could have possibly lost my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX  XXXX Balance XXXX {$19000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}
Product: Credit card or prepaid card

On XX/XX/XXXX a charge of {$100.00} was made to XXXX. I originally made a donation of {$100.00} to XXXX XXXX  ON XX/XX/XXXX, and this charge appeared the next day. I contacted Bank of America to start the process of a fraudulent charge and have a new card sent out. The new card arrived and I felt like the situation was resolved because the charge was removed. I received a letter on XX/XX/XXXX stating the charge was reversed, due to merchant provided documentation confirming I received the merchandise or service. That is false and I called again and spoke with someone. This back and forth calling about the charge has continued with it either being a billing dispute or a fraud charge. Ive spoken to at least XXXX people. I finally ended up writing a letter with additional information stating the phone number given to me during one of the phone calls went to a real estate and injured wild life message. There was no information to leave a message or speak with someone. This website is in California, and I have no reason to need anything from there. 
I have received two more letters telling me that that since I personally didnt make the charge ( s ), we confirmed it was made by authorized user on the account or someone who has permission to use the card. I cant get BOA to show me any proof of what merchandise or service I supposedly received. I have been a customer for XXXX  years, and this is how Im treated. They simply will not budge on crediting my account. This is not a large amount, but yet I never authorized it, and will continue to get interest added for this unpaid charge. It is obvious BOA doesnt care about any customer whether youre new or a long term customer like myself. This situation has been ongoing since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently XXXX XXXX  XXXX wrote back to me, and addressed my concern about a false paid charge-off account in my name and I was told to forward that letter to Experian and XXXX ... Experian and XXXX still will not remove or correct it ... I do not understand, and litigation will surely follow ... I am quite displeased with the false reporting, and XXXX   verification method which is faulty, and have so many consumers displeased ... the companies and collection agencies are not verifying these items, and even when this is brought to the attention of the bureaus that still insist on violating the law and our rights ...
Product: Debt collection

I have filed identity theft reports for XXXX collection accounts. These accounts are not mine and could be a result of prior identity theft and fraud. 

Account : EOS CCA Original Creditor : XXXX XXXX Balance {$180.00} Account : XXXX XXXX {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that Medical Bills were going to be removed from the credit reporting agencies on XXXX XXXX, 2022, yet these bills are still on my credit report. 

Is this my error or am I reading the directive incorrectly. There is literally no way to talk or communicate with the big 3 reporting agencies.

This is very frustrating. I just want to know the directive and why these agencies have not removed this incorrect information.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX dba GoCredit.me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Needs to be investigated for their unfair debt practices they, they reported charging off a debt of {$400.00} on my credit report. XX/XX/XXXX but 2 days before which is XX/XX/XXXX of a payment demand letter and a wage assignment. If you charged of the debt why are they sending that as well. also a payment was mailed in XX/XX/XXXX for the amount of {$130.00}
Product: Debt collection

My latest credit report includes accounts that were added without my approval. I request that these entries be removed and blocked immediately.
Product: Student loan

Try to get a lower monthly payment but keep getting denied and know getting calls from different companies who tried to offer me some deals. I really upset that getting harassment calls from company that I never request. I want this to stop and the debt to be removed now, I can afford to paid the student loan, I am repaying a IRS and I am XXXX with fix incomes. Please make sure that all this calls stop and the harassment at the same time.
Product: Credit card or prepaid card

I opened an account with US Bank in 2015, when I first started college. Sadly, school taught me everything except financial literacy. I admit I was oblivious to the gravity of the situation I was in. I was taking out loans to go to school but still struggling to make it, so I opened a credit card with US Bank. After 5 years of accrued interest, the account was closed. There was a balance left of {$940.00} out of a {$1000.00} credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened : {$840.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

First I must say the calls I getting is to fix credit card debts, I dont have a credit card and havent owned one is 33yrs. Ive explained this to the person call be he still calls. He calls from different numbers, its the same person and he has cursed me and has been harassing me for over a year. He calls all hours of the day over into the night, weekends and holidays. He will repeatedly call back to back. Please help me ... ..Im a XXXX yr old grandmother and its really getting on my nerves. Ive asked to be taken off the call list to no avail and I really believe hes getting a kick out of annoying me and other people. He says hes calling from Bank of America so I reached out to them and they say they didnt have anyone making such calls. When he call he will use numbers that has the same area code as mine. Help me please ... .. 
Desperately Yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous complaint & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I finished paying on XX/XX/XXXX after a charge-off of {$1400.00} that occurred in XX/XX/XXXX. The servicer XXXX XXXX reported the receipts to me as I paid it down. I rejected the offers to settle for less than the full amount, instead opting to pay my debt down to {$0.00}. After the data was not refreshing on my credit I contacted XXXX XXXX, who redirected me to XXXX XXXX ( previously XXXX ) whom was the debt recipient and reported the it incorrectly to the credit agencies. The front desk option never answers, so I disputed the results. 

XXXX dropped my credit 80 points once the dispute returned, indicating 1 ) Comments : " paid in full for less than full balance '' 2 ) Status : " Paid in settlement. {$1400.00} written off. '' 3 ) On Report : " Charge Off as of XX/XX/XXXX '' ( when the charge off occured on XX/XX/XXXX ) and the payment in full occurred XX/XX/XXXX. 

XXXX also dropped my score 80 points. 

I contacted XXXX XXXX over a dozen times. I was told that the dispute was corrected on XX/XX/XXXX, and it is now XX/XX/XXXX. 

XXXX XXXX insists, that it is always considered a settlement, even if paid completely, after charge off. I have called XXXX several times, uploaded multiple documents and evidence from XXXX XXXX claiming that I did in fact pay it down to XXXX. XXXX  says I should dispute again and start all over from scratch and give them another 30 days. 

I am in serious need to fund medical issues, to avoid cutting off my relative from XXXX XXXX. People I have spoken to both at XXXX XXXX  and XXXX are aware of this issue, yet they both refer me to speak to the other party, which I do speak to both repeatedly. 

XXXX  says that based on the information XXXX XXXX sends them, that it shows that I settled for LESS THAN the full amount, and that text apears on my credit report. 

The dispute was XX/XX/XXXX sent electronically, the dispute has exceeded 30 days from the date that XXXX XXXX sent the response to XXXX, and they insist that this is the correct way to mark it as settled, and the comment that says " paid in full for less than full balance '', they believe that it is now fine what they sent and corrected even after re-investigation. 

I ask that they delete this, having exceeded 30 days to fix the issue and severely impacting my ability to borrow, and I have had to get one very small loan was the best I could get was at 59 % APR interest, so this reporting matters both in financial impact to me, as well as medical impact of continuting life support for my relative. Please help fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion in regards to dispute letter submitted XX/XX/XXXX and they have failed to respond within the 30days. I have called them and I was informed it wouldnt be until XXXX ,2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX  account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, TransUnion reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from XXXX reporting 180 days late on XX/XX/XXXX. The XXXX report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, XXXX does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.
Product: Credit reporting or other personal consumer reports

The following accounts are deleted from my credit report. But they are still showing ( XXXX XXXX XXXX XXXX ) and ( XXXX XXXX XXXX ) please removed these accounts so that they are not showing on my credit report
Product: Credit reporting or other personal consumer reports

Chex Systems XXXX XXXX XXXX XXXX MN XXXX Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. 

XX/XX/XXXX SS XXXX