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

Manual verification is required from notice. These items are illegal and needs to be removed asap.

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

Subject : Dispute of Credit Collections Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax credit report by XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX. According to the XXXX XXXX XXXX XXXX ( XXXX ), this company is not licensed to collect debts in the state of California. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 
Actions Requested Proof of Licensing : Provide verifiable proof that Credit Collections is licensed to collect debts in California. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 

I request that you complete your investigation and provide a response within the XXXX timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals office. 

Thank you for your prompt attention to this matter. If additional information is needed, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX
Product: Student loan

PHEAA/FedLoan said I had paid far less eligible PSLF payments than I had. They refused to or could not provide specifics about many months and years, blaming it on transfers amongst servicers.
Product: Credit card

On XXXX XXXX I had check my credit report and saw there was a serious delinquency report from XXXX XXXX Comenity Bank XXXX I tried to login the XXXX XXXX website to look at said account. It said it was close and to call them. I had call because I did not know I owe them money. I talk to a XXXX on the phone to resolve the matter. I had paid amount owe in full and it was agree that the account would be close and the delinquency would be remove. I had ask her for paperwork/statement stating that I paid the balance in full and account was closed. I never receive it after waiting XXXX weeks. I called again in the XXXX weeks later and spoke to a different person due to XXXX not XXXX in office. The guy said he saw on my account that I had paid and would send me the information through email. I never receive the paperwork. I have the number and extension of XXXX. I had paid {$390.00} cents.
Product: Debt collection

On XX/XX/XXXX, the agency contacted my ex-spouse and at least one other family members via phone calls. Unsure how they solicited those contact information, but it was inappropriate. I do not feel comfortable sharing those information with others. When I asked about how did you get those contact information, the agent on the phone did not provide a reason.

The agent also pretended to not be calling from a debt collection agency. I had to ask explicitly " is this a debt collection agency? '' to which, she then reluctantly said " Yes ''. 

On XX/XX/XXXXXXXX XXXX XXXX  I attempted to call their toll-free number XXXX and the local number XXXX to speak to their agent about resolving the debt by making payment arrangements. Despite their letter stating the office house is M-F XXXX ( EST ), nobody answered the call. I repeated called those numbers for at least XXXX more times before their office closes at XXXX to no avail. This is a false indication of their reachable office hour as stated on the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name  is XXXX XXXX. XXXX please remove any variations of my name they are not accurate. My current and only address is XXXX XXXX XXXX, XXXX, WV XXXX-XXXX. My SS is XXXX-XXXX-XXXX DOB XX/XX/XXXX.Please delete the following addresses from my file they are not accurate:XXXX XXXX XXXX XXXX, XXXX, OH XXXX5 XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fait Credit Reporting act XXXX account XXXX XXXX XXXX, XXXX, XXXX XXXX  ( XXXX, XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) thats against hipaa regulation, 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 2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Product: Checking or savings account

I made several transactions with the merchant XXXX to purchase virtual currency. I had 2 of my bank accounts linked to my account with XXXX. On XX/XX/XXXX & XXXX, I unlinked my Bank of America account with XXXX as I wanted XXXX XXXX  to charge my XXXX XXXX account. XXXX  even sent me text messages asking me to confirm that these transactions on XX/XX/XXXX & XXXX are to be charged to my XXXX XXXX account ending in XXXX. I confirmed the transactions and then I check my Bank of America account and I noticed that XXXX charged my Bank of america account instead of my XXXX XXXX account. So I filed a dispute claim with Bank of America on XX/XX/XXXX claim # XXXX and I also sent documents to Bank of America showing that these transactions were supposed to be charged to my XXXX XXXX account and that I didn't authorize the merchant to charge my Bank of America account. So Bank of America issued me a temporary credit in the amount of {$400.00}. Then on XX/XX/XXXX I receive communication from Bank of America stating that after conducting their investigation they have concluded that I did authorize the merchant to charge my Bank of America account and that the credit that BofA issued me for {$400.00} will be reversed on XX/XX/XXXX. BofA said that they will send me documents to show how they resolved my claim, but never did. They have also reversed the temporary credit that they issued me.I have been trying to contact XXXX  since XX/XX/XXXX but no reply back that is why I filed a dispute claim with BofA. I did not authorize the merchant XXXX  to charge my BofA account and want to be reissued a permanent credit of {$400.00} and another {$2000.00} for any transactions that I made on my BofA account that were returned and penalties that resulted because my account was negative.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I received a EIDL loan from the sba 10 days ago in the amount of {$140000.00}. It was deposited into my personal account as I am a XXXX XXXX and am in the process of creating a XXXX  and obtaining a tax   identification number. 

All of the funds in my Navy Federal Credit Union account are being held by the security department and my account is under review. 

When I spoke to the security department all they told me was that a investigator is reviewing my account. 

Gave me no time line for a resolution, wouldn't take any documents I offered and wouldn't transfer me to a supervisor when asked. 

I was approved by the SBA using my ssn number and have no idea why the bank can arbitrarily freeze my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below 1 ) XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me 1 ) XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that I had in collections in XXXX, which was paid in full and closed. It was reported at that time by the collection company National accredit Adjusters as paid in full with a zero balance, and that was reflected on my credit reports. 

In XXXX of XXXX the account suddenly reappeared on my XXXX  report, displayed as Open. The account still shows as having a XXXX  balance and as paid in full, and reflects the date of my last payment, but for some reason the status is still Open in Collections, according to XXXX. I have disputed this problem at least five times now. 

I have tried calling XXXX  multiple times. I have been escalated to a supervisor, and then escalated to a manager. I have been lied to, been run around, and hung up on. I have contacted the Collection Agency and they verified that the account had been reported paid in full and closed for years, and have no idea why it has popped up in XXXX. 

I have had my physical XXXX Reports mailed to me to verify the account status is showing open still. 

I have received a letter from the original creditor AND the collections Agency verifying that the account should be shadowing as CLOSED and paid in full with a XXXX balance and both faxed and mailed all said documents to XXXX. 

XXXX  refuses to take the simple action to display the states of this item as closed. Thats all I want. Both XXXX  and XXXX have the account reflecting the correct status of closed and paid in full. How can XXXX refuse to change the status from open when they know it has been paid in full, shows as a XXXX  balance, and even have the date of my last payment?! 

The letter I have from the Collections Agency even uses the actual word, closed. 

Its infuriating. Im ready to file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX ( XXXX ) XXXX continues to report to Experian a debt that was settled thru divorce decree over 10 years ago. The property and all financial responsibility was ordered by the court to be my x-wives in the decree. I have submitted that to all credit reporting agencies and all but Experian has removed it. This needs to be removed from my credit. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> and XX/XX/year> an inquiry was made by XXXX XXXX  to my credit witch i did not authorize
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report. Despite multiple efforts, the inaccurate information remains, adversely affecting my creditworthiness and financial standing.

I have made multiple attempts to address this matter by contacting your agency through various means, including written correspondence and phone calls. Despite these efforts, the fraudulent items persist on my credit report.

Enclosed with this letter, please find supporting documentation that substantiates my claim of fraud and clearly illustrates the inaccuracies present on my credit report. I have attached : List of Documents, such as identity theft report.

I request that you conduct a thorough and expedited investigation into the fraudulent items outlined above. The continued presence of this inaccurate information is causing significant harm to my financial well-being, and I urge you to take prompt corrective action.

Conduct a comprehensive investigation into the fraudulent items listed.

Remove the inaccuracies promptly and update my credit report accordingly.

Provide written confirmation of the resolution and the actions taken.

If this matter is not addressed in a timely and satisfactory manner, I am prepared to escalate this complaint to relevant regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ). I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For a very Long time I have tried to get equifax to stop reporting the wrong payment history and wrong status on two accounts that have been closed for more than a year now.

Equifax has failed to do the proper due sole hence in realizing the at I have my child and the two accounts in question have been paid and should be removed from my credit report imedialty just a ms the other credit companies have.
Product: Debt collection

I signed up for a Target Credit Card and they sent it to the wrong address. Instead of the one on my application it was sent to an incorrect one on my credit report. 
I never got it or the bill. I finally called them and told them about the error. 
They corrected the address and sent me the card to my current address. 
They took my bank card number and paid my bill stating they would remove the interest fees and late charges. I did receive the card but they decided to leave the late charges. My local USPS office is very strict with rules and they started turning their mail back as un-deliverable after receiving the card. When I went to the Target website to activate the card they said they were attempting to collect a debt, I tossed it. 
They now call me 3 times a day from XXXX to try and collect the late fees that I am not supposed to owe them. I am even getting a new phone to stop this but I felt I should report it to someone. They are also damaging my credit report.
Product: Prepaid card

I thought I had lost my card on XXXX XXXX, 2015, I tried to call in to have my card blocked and after being on hold for over an hour I logged into my online account from my computer and found that I could block my card myself. After blocking my card a few hours later I found my card. For the next 4 days I have been calling and calling being put on hold for hours and being hung up on I have yet to have my card unblocked. I have also emailed the company 's member services email twice and have yet to hear anything even though I was told I would have a response in XXXX hours I have a daughter who needs diapers, bills to pay and I have no access to my money because I can not unblock my card.
Product: Credit reporting or other personal consumer reports

I am upset because XXXX, Transunion, and XXXX continue to report chargeoffs on my consumer report that is considered income per the IRS. CONSUMER REPORTS ARE NOT SUPPOSED TO REPORT INCOME, per FCRA. ITS the law!

Per IRS Publication 4681, Cat. No. 51508F " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' XXXX, Transunion, and XXXX continue to report this inaccurate information, which is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as furnishers of information. 

They have caused me and My family suffered severe harm due to their negligence and inaccurate reporting. 

I emailed the CEO of the creditors and received calls back from their collection departments, who all said the same thing : they have written the debts off. its up to me to follow up with the consumer reporting agencies and IRS.
Product: Credit reporting or other personal consumer reports

I would like to provide a brief overview of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. I promptly reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. Subsequently, I have made several attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to resolve the issue. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX Balance Owed : {$710.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$590.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.