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

I'm writing this letter to inform you I have found inaccurate information on my credit report. 
The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts and information should not be reported on my consumer report, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to remove and delete these accounts and information as they are in direct violation of several laws. I expect these accounts and information to be removed without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses I disputed. I never lived at these addresses. The addresses were private mail box addresses, they are showing them as apartments they are not. One of the addresses is listed in a city that does not even have such an address.
Product: Debt collection

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a GW letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly.

I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
COMENITYBANK/VICTORIA XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Student loan

This company has failed to respond again. I previously filed a CFPB complaint advising this company failed to produce validation documents. I received a response through this portal and then I received a letter via XXXX from the parent company advising they take my complaint seriously and will receive the requested validation documents within 30 days. As of today, I have not received any validation documents, no phone calls or no other letters indicating that I will be receiving my documents soon. As this point, I have lost patience with trying to resolve my account. I have hired a lawyer and in the process of filing a lawsuit against the company for failing to provide validation documents within a certain time frame. This company has not reached out to my job to complete an employment verification and again I have not received any validation documents. Any future correspondence will need to be sent to my attorney. I am requesting that this company, NRS, CEASE & DESIST ALL COMMUNICATION!! No letters and no calls.
Product: Debt collection

Back in XX/XX/2020 I had my debit card information stolen and had money taken out of it. I called Chase bank to file claims for fraud, but they sent back the money in my account that was used and is now trying to get me to settle a {$2000.00} debt for a reason I am unsure of. All I wanted was for my money to be returned to me, which it already has, and for the account to be closed. But now I owe a debt that shouldnt be owed to me. I called Chase Bank collective services but they didnt give me a proper explanation to why I owe the money and they said I owed the money because my claims were denied.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information in my dispute letter has been verified and that the information being reported by the furnishers is accurate. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the XXXX. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. Furthermore, I request your method of verification. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : XXXX  Equifax XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received two notifications that two inquiries were placed on my credit report with Equifax that I did not authorize. I am very upset as these are fraudulent inquiries. The first inquiry was done on XX/XX/XXXX by XXXX XXXX. The second inquiry was done on XX/XX/XXXX by XXXX XXXX. I want these removed immediately from my Equifax credit report as I did not give authorization for any inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to experian and I advised of requesting removal of inquiry from XXXX XXXX. XX/XX/2023. I sent previously information to show a hard inquiry was made on my credit report, in which they denied. I also uploaded a letter from XXXX XXXX requesting inquiry to be removed as well as XXXX XXXX  has advised they personally requested to remove the inquiry as well. Experian still has not complied. I spoke to experian and confirmed they did indeed receive the letter from XXXX XXXX that I uploaded on their site. They still have not removed the inquiry nor gave me back the points that was taken from my credit score. I was advised that if a company request to remove or provides a letter to request a removal of an inquiry that is sufficient and still they have not removed the unauthorized inquiry or provided my points back.
Product: Debt collection

Received 2 voicemails this week from XXXX XXXX XXXX  to speak with me regarding a loan taken out by a relative they named in the voicemail message, and to discussed resolving this 'voluntarily. ' I have never co-signed for this relative for a loan. I never received anything in writing from this company, or any company they might be representing indicating what is supposedly owed. My spouse tried to call them several times today, but they did not answer. They are listed with the BBB, but with numerous complaints. I suspect this to be a scam which should be reported to law enforcement.
Product: Debt collection

On  XXXX / XXXX /   2017  I received a phone call at my job fro m CRS and Associates. T he man on the line advised me that he had 'my file ' in his office. He then went on to recite my social security number. My calls at work are recorded at all times, so this was extremely unacceptable. I have never heard of this company, nor have I given any consent to contact me at work. This company is extremely unprofessional.
Product: Credit reporting or other personal consumer reports

I Recently went to apply for my first home. My agent suggested me to download XXXX, from there i noticed an extreme amount to hard inquiries that i did authorize, and that i had damage to my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. This is a defamation to my Character.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to Keybank on XX/XX/2021 and i have on numerous occasions submitted complaints about this same issue over a year now regarding the unauthorized reporting of the negative payment history being reported on my consumer report. Pursuant to 15 U.S. Code 1681a2 ( A ) ( i ) which states that The Congress has found the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Keybank has violated my right to privacy and this statue by reporting the payment history information of this tradeline account to the consumer reporting agencies. The Congress said transactions or experiences should remain between the consumer ME and the person Keybank thereby making the reporting of this accounts payment transactional history inaccurate. 
Pursuant to 15 U.S. Code 1681a ( b ) ( 1 ) Keybank has injured my credit worthiness, credit standing, credit capacity, character, personal characteristics, and has caused me mental anguish as you have violated my consumer right to privacy and damaged my reputation ;
Product: Credit reporting or other personal consumer reports

As XXXX Spoke to XXXX XXXX from credit acceptance She stated that I would be mail a copy of the sign contract. Now I went ahead and call the XXXX XXXX dealer and recorded the conversation and XXXX stated that they move and had no original contract. 
So again I want to re force the invitation on this complaint. What you have on your email isn't my signature for the credit application, if you need proof of the conversation, please feel free to call me. I also recorded XXXX XXXX. 
Again, this is Fraud.
Product: Debt collection

I am writing to dispute a collection account reported under my name. I believe this debt is inaccurate, and I do not have any knowledge of the account or owe the amount stated. 

Account Details : Collection Agency : Transworld Systems Original Creditor : XXXX XXXX XXXX Account Number : [ Account Number ] Amount Owed : {$180.00} Placed in Collections : XX/XX/year> Last Verified Date : XX/XX/year> I have no recollection of an account with XXXX XXXX XXXX or any debt related to this account. The original balance is listed as {$0.00}, and no payments have been made on this account. Additionally, I have not received any prior communications regarding this debt. 

I request that you provide validation of this debt, including proof that it belongs to me and that Transworld Systems is authorized to collect it. If the debt can not be verified, I expect it to be immediately removed from my credit report and that all actions taken by Transworld Systems related to this account be reversed. 

If this is a case of fraud or identity theft, I ask that you investigate it further and remove any negative impact this has caused on my credit history. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible. 

Thank you. 

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

This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted USAA and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA and XXXX XXXX have failed to do either.
Product: Debt collection

I trust this letter finds you well. I am writing to you with regards to my recent discovery of late payments reported on my credit file, specifically related to my account with BARCLAYS BANK/OLD NAVY . Upon reviewing my credit report, I noticed that late payments were recorded during a specific period, and I believe these were a result of a unique circumstance. 

BARCLAYS BANK/OLD NAVY XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BARCLAYS BANK/OLD NAVY customer service representative XXXX 

I would like to provide context for these late payments. During the mentioned period, I did not receive my regular account statements from BARCLAYS BANK/OLD NAVY . After investigating the matter, I learned that the lack of statements was attributed to a very small balance in my account during that specific time frame. 

I fully understand the importance of maintaining a positive credit history, and I take responsibility for any oversights in managing my account. However, the late payments occurred due to circumstances beyond my control, namely the absence of statements that would have alerted me to any outstanding balances. 

I am writing to kindly request your consideration in performing a goodwill adjustment to remove or modify the reported late payments from my credit history. I believe that the unique circumstances surrounding the missing statements and the resulting late payments do not accurately reflect my usual financial behavior. 

Enclosed with this letter, please find supporting documents, including bank statements and proof of my efforts to bring the account current. I am committed to rectifying any outstanding issues and ensuring my account remains in good standing. 

I sincerely hope that BARCLAYS BANK/OLD NAVY will understand this exceptional situation and grant a goodwill adjustment, helping to rectify the impact on my credit score. I appreciate your time and understanding in this matter.

Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX account number 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. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding fraudulent information appearing on my credit report due to identity theft. I have provided the necessary documentation to support my dispute and expect immediate action to remove all fraudulent data.

Violations of FCRA : Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Under this section, you must block any information identified as a result of identity theft within four ( 4 ) business days of receiving my dispute and required documentation. Failure to do so constitutes a violation of federal law.

Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : If you fail to reinvestigate the disputed items within 30 days, you are in violation of this section.

If you reinstate the fraudulent information without notifying me or conducting a reasonable investigation, you may be in further violation.

Failure to Notify Data Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : Upon receiving my dispute, you must notify the furnishers of the fraudulent information within five ( 5 ) business days.

Providing Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : You have a legal duty to maintain accurate credit files. Reporting or failing to correct fraudulent information after being notified is a breach of this obligation.

Failure to Provide Results of Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : After completing an investigation, you are required to provide a written notice of results and any changes made within five ( 5 ) business days.
Product: Debt collection

This is regarding a collection initiated by Trident Asset Management showing the initial creditor as XXXX. It appears that the date opened was XX/XX/XXXX in the amount of {$1400.00} This is not my debt and the account is in another persons name. I have requested verification of this debt from Trident Asset Management and they have refused to provide requested verification. They continue to send simply a bill stating that I owe the amount of {$1400.00} but refuse to verify the debt or provide ANY information concerning the details of alleged monies owed. I have contacted the company numerous times as recently as XX/XX/XXXX requesting verification of said debt only to be either refused requested information or being hung up on!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is : I disputed a public record ( bankruptcy ) showing on my report dated XX/XX/2015 The results of the reinvestigation stated " This section includes public record items XXXX obtained from local, state and federal courts through a third party vendor, XXXX. '' I don't see the accuracy in their investigation when I also disputed this company and the item in question was removed from this company due to inaccuracy of the item. I have documentation showing the Removal of this item. 

I also have a letter from XXXX stating that they sent a dispute on my behalf to all three bureaus about the public record with no response from either of them. 

Also I would like to make a complaint about the same item, bankruptcy dated XX/XX/2015 with Transunion. I received an investigation from them stating their investigation procedures but no results. 

I would just like to be treated fairly and have matters executed as such. The item is an inaccurate item and I would like to have it removed from any report pertaining to my person
Product: Credit card

My first corporate credit card ( CitiBank ) supposedly was delivered to me on XX/XX/XXXX, but I had never received it. Then I got an email from my company portal that I had expenses charged to this credit account, which I thought was impossible since I had not gotten the mail with the card. I go to my portal, and it says that I have made several purchases from XX/XX/XXXX- XX/XX/XXXX, varying from tens to hundreds of dollars. I never made these expenses because I never received the mail. I call Citibank to cancel the card and file a claim that they were all fraudulent charges, they tell me that all the charges should be gone from my account within 60 days. I receive a replacement card and order it to my family home at another address just in case the thief lived in my apartment and tried to steal it again. I receive the replacement card, I activate it, and thought everything was fine. I recently receive an email from Citibank saying that they will not be crediting my account for the fraudulent charges and have rebilled my account to reject my claim. They use the reasoning that they had received a call from my phone number on XX/XX/XXXX to activate the card using personal information. If these people had access to my phone number and my mail, I have no doubt they had access to my personal information as well. If I pull up my phone records, you will be able to see that I have never made a call out to CitiBank on that day ( will attach phone records below ). I explain to them there is new technology to swap other people 's phone number onto theirs using the SIM card. They dismiss it. I am now filing a claim with Consumer Finance to appeal their decision
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX balance {$0.00} account # XXXX 30 days late in XX/XX/2021.