23daVinci/CFPB_Complaints huggingface dataset:
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 {$19000.00}, {$0.00}, {$0.00}, {$0.00}, {$4000.00}, {$29000.00}, {$4000.00}, {$13000.00}, {$40000.00}, {$30000.00}, {$54000.00}, {$160.00}, {$13000.00}. 
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 ) -- OPEN ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

6. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XX/XX/XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Debt collection

I received an unsolicited email from someone named XXXX XXXX saying that they were from True Accord. I did not recognize anything about what they claim was owed. There was an address listed for them so I drafted a letter requesting specifics of this alleged debt and sent it via USPS certified mail on XX/XX/. The tracking informed me that the letter was received on XX/XX/. I have not received anything in response via mail as was requested yet I am still being contacted by this individual, the last communication being what has prompted this complaint. The email address sending these email is XXXX. I feel the need to bring this to someones attention to get this to stop. If they are breaking some type of law, I would like to know that and whether or not damages can be pursued. Thank you for your time
Product: Credit reporting or other personal consumer reports

I have an old account with Citi Bank that is a charge off account on my credit report. They told me that if I wanted the balance to be reported as a XXXX balance that I had to mail in a check to them at their company XXXX XXXX XXXX wait XXXX business days for them to update the balance on the account. I mailed Citi Bank {$1000.00} on XX/XX/2024 and I paid the post office additional money to have them sign for the check, and for a tracking number so I can see when it was delivered. The check was delivered to their XXXX XXXX XXXX XX/XX/XXXX. It has now been XXXX business days and they are reporting that they received the check, but they don't know where the check is. This is extremely confusing. They have a team that is unorganized and unprofessional, there is a communication barrier and just a lack of concern for my situation. I have submitted an overwhelming amount of proof that I sent the payment in, they admitted it was delivered to their XXXX XXXX but they are still not updating the balance to XXXX dollars. I am in the process of buying a home and they are holding up the process and they have no sense of urgency to handle my concern no matter how many times I call. I have disputed this with XXXX multiple times and they have not addressed the situation correctly either and they are not considering the evidence I have presented to them. Citi Bank or XXXX as it shows up on my credit report has the money I sent for my past due balance but they are not updating my balance to XXXX and now they are saying the money is lost and I have to contact their money investigation department via fax instead of letting me speak to them on the phone or just letting me cancel the check and pay over the phone to get this over with. Citi bank has an outsourced customer service team that are in another country and the customer service experience is terrible. They are cold, harsh and unprofessional. I haven't seen any compassion or concern each time I called. It's like they know they are keeping my credit score from rising and intentionally stringing me along even though I paid the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


Account : XXXX XXXX Account number:XXXX Account balance : {$360.00} contact address : XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Hi, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Debt collection

I called to retrieve my account number with IQ data to create an account on their website and XXXX XXXX ( unsure about the spelling ) refused to give it to me, blatantly saying Im not gon na give you your account number, either youre paying or not around XXXXXXXX XXXX  time on XX/XX/year>. 

Hes required to give me that information and refused. 

It appears as though XXXX XXXX has been sued before for his horrible practices in the XXXXXXXX XXXX IQ Data Intl case. XXXX
Product: Debt collection

Hello, XXXX years ago i found out that my SSN was compromised with my tax accountant. Since then i have noticed this collection account on my credit report that is indefinitely not mine. I have tried to dispute online with XXXX and it remains on my file. Id like to report this here now as i know this as Fraud and i need help in clearing my name. I have never owned a XXXX in my life. There is no way this is me. Would be so grateful if you can investigate and look into this further on my behalf. This information is ruining my credit history and affecting my ability to get a new car and home. Ive also never received any notices from this company at my home, po box , via phone or email. I have no knowledge of the account number as i never was connected to this account. I am attaching my license as proof i am me for purposes of this report. Attaching a report from XXXX. 


Thanks in advance for your help. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX : I have absolutely no knowledge of this account. It suddenly appeared on my credit file. There isn't even an ACCOUNT NUMBER shown because I don't believe they have one. Per FCRA I have a right to a 100 % accurate credit file and this account is not mine. I need the original creditor with address and phone number. I need the account number. I need the original contract. And I need the authorization they have to collect this debt. I need all this so I can research what the heck this is. If they cant supply me with this data they must remove this account from my TRANSUNION credit file which is the ONLY bureau where it shows.
Product: Credit card

This account is invalid BEST BUY/CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 
BEST BUY/CBNA XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

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

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX Inquiries XXXXXX/XX/XXXX XXXX/XXXX/23 XX/XX/XXXX XXXX/XXXX/23 XXXX XX/XX/scrub>/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2021 While attempting to make a payment on credit card online. Bank would not provide me with CreditCard Number to be able to logon to and set up online payments. On the bank statement the account number/card number is X out. 

In full disclosure, the account is a closed account that I am willing to pay back. But when I call customer service at XXXX they would not provide me with account even after asking multiple verification questions, yet the want me to go to a branch and get account number
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDDRESS PLEASE REMOVE THANK YOU XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Mortgage

I created a login for Investors Bank about one year ago ( XXXX ) just so I could download my paperless statements. I was logging in and downloading them every month but I haven't had a chance to download them for the last six months due to Covid. I tried to log into my account on XX/XX/XXXX and for some reason, the Investors Bank website will not accept my password, WHICH I KNOW TO BE CORRECT. I attempted to reset my password but the phone number which appears on-screen IS NOT my phone number. My phone number on my account as per the Investors website is XXXX. However, I have no phone number that ends in " XXXX ''. Since the Investors ' only method of authentication which allows me to reset my password is done by either calling or texting this number, obviously, I was not able to reset my password and therefore, not able to log into my account. More importantly, it is evident that INVESTORS has commingled my private, confidential information with that of another customer because the phone number listed on my account IS NOT/HAS NEVER BEEN my phone number. Obviously, Investors Bank 's systems are NOT SECURE. 

In addition, when I set up the online banking to access my account I set it up under my name, with my number, and with my email address. No other email addresses or phone numbers were part of my online profile. After the numerous attempts to log in tonight, my husband told me he received emails at his personal email about my account being locked. Again, why are people who are not part of an account getting information about my personal login and account information? 

It seems to me that Investors Bank is comingling information between unrelated accounts and unrelated user profiles. Obviously, their computer systems are not secure. My phone number in my profile was changed to an unrelated number without my consent. In addition, my husband received notifications to his email regarding my profile information when his information was never part of my account. 

This is a very serious breach of confidential, private information. The bank needs to fix my account immediately and reinstate all the prior phone numbers and passwords to what they were before they were changed without my permission. They also need to explain why this happened and they need to fix their systems so it does not happen again. I am floored that a bank this size is using XXXX systems similar to what a Mom and Pop business would use. It is shameful. Who knows the extent to which my information was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am confirming my identity to avoid any additional delays in taking action on my behalf. On XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days, I have not received a response to my letter sent. I attempted to call XXXX XXXX Equifax on multiple occasions and am unable to speak to a human. I feel like I am being taken advantage of and my disputes are being ignored. Failure to investigate the items disputed within XXXX days gives reasoning to immediately remove the items from my credit report clearly stated in section 611 ( a ). It has been over 60 days so they should be updated and deleted immediately or I will file a litigation claim due to the stress you have caused me. My information was also impacted by the Equifax data breach and was obtained fraudulently. 

15 USC 1681 ( a ) ( 1 ) ( 3 ) was enacted by Congress to protect consumers such as myself in regards to accuracy and fairness and unauthorized inquiries 15 usc 1681 ( b ) ( 1 ) but this is not the case of the items being stated on my credit report facilitated by All XXXX bureaus! No where in Congress is it stated to report late payments due to the finance charge prepared with any loans closing documents. 

A finance charge in USC 1605 ( a ) ( 1 ) ( 3 ) it clearly states that any fee representing the cost of credit or the cost of borrowing money including interest is within the finance charge. In this case no late payments should be reflecting on any credit report as it also is an infringement on my privacy as stated in 15 USC 1681 as well. I have also completed an FTC report due to such matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, XXXX, XXXX  and Transunion customer service lines and none would help after, having the police report and FTC report mailed to them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting or other personal consumer reports

XXXX XXXX And klarna. And apple.Please remove Those. It XXXXXXXX my self that applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one account is showing 30 days past due on my account which is incorrect. My most recent payment was on XX/XX/XXXX for the amount of {$65.00}. And the payment isn't due again until XX/XX/XXXX. I have never made a single late payment on this account, and it is showing as closed, past due and decreased my credit score by 113 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues with my credit report that has taken in excess of 120 days way beyond the thirty days. It should only take 30 days to investigate the issues with my credit reports and request.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX by XXXX. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave XXXX  written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ XXXX ] without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions