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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  XXXX Opened : XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Opened : XXXX Balance : {$19000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

this is the third time somebody has hacked into my account the first was XX/XX/XXXX they took XXXX dollars from my account and made a unauthorized purchase that was my kids XXXX money I didnt notice the log in until 2 days after I even emailed current to let them know I was hacked then XX/XX/XXXX they got back in my account luckily no money was in there today XX/XX/XXXX I had a deposit of XXXX deposit into my account it was even 2 minutes I get alert stating somebody signed in I go to the email go to my account money gone I have express to these folk several times all the facts are in there face and there telling me there are no errors
Product: Credit reporting or other personal consumer reports

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 XXXX : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report AVANT has violated my rights In accordance with the fair credit report. 15 U.S.C1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This loan was a fraudulent account. My bank Account was hacked and closed due to fraudulent activity. I lost my wallet and my identity was stolen during this process it was used by someone. I send information to this company with ftc report, police report, bank statement closed account. I contact this company in XXXX to have it investigated. I sent over documents and still waiting to hear back. I called XXXX services have to give them 30 days. The loan amount says it was taken out in XX/XX/XXXX this loan is from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682. I also assert my right to opt out of transaction history per US Code 6801 privacy obligation policy. I am writing to dispute the accuracy of the information on my credit report. Upon reviewing the report, I have noticed several inaccuracies that require your immediate attention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXer Financial Information ( Regulation P ) MOST RECENTLY AMENDED XXXXXXXX XXXX XXXX  Regulation P requires financial institutions to provide certain privacy notices and to comply with certain limitations on the disclosure of nonpublic personal information to nonaffiliated third parties and requires financial institutions and others to comply with certain limitations on redisclosure and reuse. 
12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX.
Product: Debt collection

Caine and Weiner placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
Product: Student loan

I began law school in XXXX of XXXX. Since then, UAS Connect has requested payment and submitted " past due '' notices and reports to credit bureaus 9 times. The reports on my credit report reflect past due payments for XX/XX/XXXX, XXXX - XXXX of XXXX, and XXXX - XXXX of XXXX. Not only did I dispute these reports on XXXX XXXX over 6 times, I emailed UAS customer service 3 times between XXXX and XXXX. I received one response on XX/XX/XXXX citing that they corrected my deferment status. However, they made no attempt to correct my credit score. Each time learned a payment was late, I paid them because I did not know any better. 
I recently spoke with a representative, seeking payment on my " past due '' account on XX/XX/XXXX. I told her that my account is and was in deferment from XXXX XXXX. She confirmed that each past due notice was made in error and that I should not have been penalized on my credit report. However, no correction has been made. I called a second time on XX/XX/XXXX to request the changes be made immediately, but was told doing so is " impossible. '' As a result of their refusal to correct 2 years worth of negligence, my credit score fell upwards of 200 points. I can't apply to the only credit cards or car loans I can afford. Most importantly, I have to delay my application to the California Bar until my credit score is repaired. UAS Connect was put on notice in XXXX, again in XXXX, and for the third time in XXXX. UAS 's conduct is not only predatory, but reflect willful violations of the FCRA.
Product: Credit reporting or other personal consumer reports

Equifax refuses to restore the 60+ points to his credit score. Although XXXX XXXX 's file shows the removal of the negative information, his credit score does not reflect this. Please immediately re-evaluate XXXX XXXX 's credit score in light of the removal of the negative information and restore the 60+ points back to his credit score.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

NATIONAL CREDIT SYSTEM XXXX XXXX XXXX   XXXX XXXX XX/XX/2018 {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX, GA XXXX ( XXXX ) XXXX PROPERTY MANAGEMENT COMPANY CLAIMS EX-TENANT ( consumer ) LEFT RENTAL UNIT IN DISREPAIR AND IS EXTORTING CONSUMER OWES THE ABOVE AMOUNT OF {$1500.00}. 

CONSUMER IS DISPUTING THE VALIDITY OF THIS CLAIM AND CONSIDERS THIS TO BE EXTORTION.
Product: Credit card

I have been dealing ID theft and I have made a police report ( XX/XX/XXXX ) put a fraud alert on my credit file in XX/XX/XXXX, I had been in contact with XXXX due to fraud on the account, my address, phone number, and emails kept getting changed. we placed a password on the account ( XX/XX/XXXX ) so I would have to call up the fraud department, tell them my passcode, they unlock my card, et them I could make a purchase. In XXXX of XXXX, I noticed I hadnt received my new credit card so I called the XXXX credit card department and asked why I hadnt received my new card. Everything again in my account had been changed. At this time the man allowed me to change everything on my account without asking for my passcode. When I asked him why he hadnt asked for it, he told me that everything was verified through the phone prior to me talking to him. I informed him that I was dealing XXXX ID theft and the passcode was because they had everything to verify online, he then sent me to the fraud department because more charges were on my account. I ordered another card and again never received it. I called back up to XXXX and once again my information was changed. The lady again never asked for my passcode until I mentioned it to her. We once again changed everything to my correct information. The next thing I know Im being told that I owe {$5500.00} on my account. Ive filed several complaints with them with fraud et they decided it wasnt fraud. When I called them again, once again my information was changed to somewhere else. I got notified by XXXX XX/XX/XXXX that they sent it to a collection agency. I called the collection agency et they informed me of why XXXX said it was fraud. I guess in late XXXX, a guy was placed on my XXXX  account as an authorized user. This was verified by an email that i said it was ok and a card had been sent to him. I was unaware of any of this information until just recently. I never authorized anyone an user on my account, nor got statements of this, nor did XXXX  make me aware of it. They refuse to take it off my credit. I did everything I was told to do by XXXX fraud department to stop someone from getting into my account. Due to XXXX employees negligence of not asking my passcode, someone was able to get into my account and run my card up. I am suffering from the consequences of it. XXXX should have all phone recordings to verify that I called several times and the recordings of the other person. I guarantee you they are not the same person.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States Ihave the right to privacy.

15 U.S.C 1681 Section 604 ASection 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 fi 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

My fiance and I are soon to be in the market to purchase a home. I prepared be checking my credit report to know my score. While doing so I noticed a few items that are not mine. These items need to be deleted from my credit report. I've contacted FTC and my local police. I'm doing this on my own behalf. There are still items on my credit report that are not mine. Chapter XXXX Bankruptcy, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. inquiries : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 24-month loan with XXXX that became 60 days past due on XX/XX/2019 ( confirmed accuracy based on email I have from rep in XX/XX/2019 ). This then left a total of 8 of 24 payments remaining with a reported balance of {$1000.00}. We can confirm this accuracy based on balance and reported payments by experian, which add up to the balance. 

The loan is now reported charged off in XXXX of 2019 with a number of 30, 60, 90 past due, missed/no payments, charged off remarks with no payment since XXXX. 

The email I have from the rep which I introduced prior was actually a more in-depth conversation we had via email on the options that were available to me since I was unemployed.. She advised of my soon approaching 90-day past due statement, and assisted me by processing claim for payment protection. In XXXX of 2019, I received a letter from XXXX XXXX payment protection confirming my claim was approved and payments were applied retroactive for XXXX, XXXX, & will continue thru to XXXX. ( Confirmed accuracy based on disbursement statements, as well as an email conversation with the XXXX Manager. ) In addition to the proof provided with the statements, I also have an email from the branch manager who that 6 protection payments were in fact made to this account, totaling {$800.00}. 

I have asked for this to be addressed and resolved according to FCRA numerous times, however the manager has what I believe to be, a personal bias and could potentially fall as a possible conflict of interest as he's business partners with my former employer and has closed off my accounts, not been very helpful, refusing to correct this issue without leveraging a debt from a completely irrelevant checking account in order to get my rightful correction to this account remark. As a result, Ive gotten nowhere it seems. 

The Manager told me over a weeks ago that this would be removed on my account. Then, days ago I was strong-armed and told that this inaccuracy would not be changed until I appear and pay off the checking account referred to above. Then, I was told that This account remark could NOT be changed, because the " XXXX  charged the account off and CANT change the remark, inaccurate or not, until i finish paying the loan. '' in full. Until that's paid, it has to remain a charge off. 

I was also told my balance is {$800.00}, when clearly it should be closer to 250-350 based on the above calculations. I have asked also for a copy of all statements and verification as to how they got to a much higher number than what clearly is shown and reported on paper, and I have yet to get a copy. At this point, this is destroying my credit score and has added 5 unnecessary derogatory remarks that are stopping me from obtaining much-needed financing options during COVID-19. Please Help! 

These remarks should not be any issue to remove. These are inaccurate. The Credit Union may have written it off as a loss but in fact there was NO LOSS if the account was receiving payments every 30 days, and Their loan officer is the one who started my payment protection process and was aware of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2022 a purchase was authorized twice for {$150.00} at an XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} were made at an XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} and {$150.00} were made at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 I called a Wells Fargo representative and started a claim for false charges on my bank account. Claim was received On XX/XX/2022 I received a notification on their app my claim was resolved. 

On XX/XX/2022 I received a letter in the mail detailing the the investigation had found that I had made those purchases. I called to see if their was anything I could do to dispute and the representative said no. 

I did not make these transactions they're fraudulent and it was money taken out of my account unjustly
Product: Credit reporting

I was linked to the Transunion website from a free credit report site and enrolled with the company under the belief that I was giving them my information to obtain my free credit report. It was not made clear that there was any distinction between the free report service and the membership option, as there is only XXXX portal. I discovered I was being charged {$17.00} per month for services I did not ask for and contacted customer service. I was told that it is quite clear that the free report is through a different website and that there was no option for a refund. The representative then offered me a free month and a reduced rate for continuing membership which I declined. The representative said that perhaps I did n't fully understand the services Transunion offers. I stated that I wanted to speak with a supervisor and was asked which type. I said that I was n't sure who would be appropriate and she said there were many different types. She then placed me on hold and the call was disconnected. I called back and was connected with what I believe was an escalation supervisor who again told me that I had misunderstood and that Transunion could refund XXXX month of service fees. I am not happy with the way this company does business or with the quality of their customer service. I think that their practices are knowingly unclear. As participants in the government free credit report service, this company should address consumer requests to remove charges when they are required to furnish free reports.
Product: Vehicle loan or lease

I was co-signed car been XXXX I never. Late I need them to remover it asap
Product: Debt collection

Credence Resource Management is violating North Carolina General Assembly regulations by attempting to collect a debt from me without proper documentation. According to state law, entities engaging in debt collection must be licensed in North Carolina. However, upon checking the national consumer licensing website, I found that Credence Resource Management lacks the necessary licensing in my state, making their debt collection efforts illegal. The original account, which has now entered collections, was established in North Carolina, not in any area covered by Credence Resource Management 's licensing. The agency 's about information displayed on their website, clearly states that they are a debt collection agency. Therefore, any argument suggesting they fall outside the definition of a collection agency under North Carolina law is invalid. For more information, please see the attached documentation. 
Credence Resource Management I am now ordering and cease and desist on this collection. By law you have no right to contact me via any form of communication. This includes through phone, email, and my consumer report. Failure to abide will result in legal action being taken.