23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), XXXX ( a ) ( 6 Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Checking or savings account

Under threat and intimidation from a so-called XXXX technician, my wife and I purchased {$6600.00} XXXX XXXX and XXXX cards and a wire transfer of {$5000.00}. On XX/XX/XXXX. 
Received 3 notifications ( 2 are included ) that no errors occurred. That was it.

Unable to call directly for follow-up with personal accounts have to go through a long process for them to call you back. Still waiting. 
My business account was also involved but there was an 800 number to reach and talked to a fraud representative. They help business clients right away but not personal clients. Citizens Bank bias behavior. 
Have information who the scammer was and on one appears to want to follow up to help stop these type of incidents from XXXX including the local police and Citizens bank Citizens XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2024 and noticed XXXX is reporting outdated address- My Legal Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name ) -other variations are incorrect. 

My current address is XXXX XXXX  XXXX XXXX, XXXX TX XXXX should reflect XXXX I moved into my home ; XXXX shows XXXX ; XXXX city and date -- ( XX/XX/2024 ) XXXX is the only CRA reporting old addresses- ( some over XXXX XXXX XXXX ) -
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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 


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

I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian, XXXX, XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Debt Validation Request ( ACCOUNT # XXXX ) Dear : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me. I have recently pulled my credit report and noticed that there is a collection listing from your agency. Stating I owe {$850.00} on account XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C $ 1692g, I am requesting that you provide me with the following information to validate this debt : 1. The amount of this debt 2. The name and address of the original creditor 3. The date of the last payment 4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all Fees and interest added to the dept.

7. Proof that the statute of limitations has not expired.

Please provide this information within 30 days from the date of this letter. If I do not receive a response or if the information provided is incomplete, I will assume that the debt is invalid and may take further action to protect my rights. 
Please note that I am not admitting to owing this debt and am only seeking validation of the debt as requested by law. 

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

I 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 nephew, who's studying XXXX XXXX, helped 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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022 XXXX Date of inquiry : XX/XX/2022
Product: Debt collection

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked. 
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  A Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Student loan

I am a public employee. I applied for the publc loan forgiveness plan for myself and my wife ( both XXXX  ). I have called them many times over the years and they assured me I, and my wife were on track. They sold our loans out to another lender and still assured me it would not affect my Public Loan Forgiveness status. I now find after filling out the paper work we do n't qualify. On many occasions I have called them and they gave me no information. I have waited for this forgiveness for ten years only to be told due to some weird technicality I do n't qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts on my report have inaccurate date of first delinquency, the reporting information for the correct date is blank or " unavailable '' The accounts are beyond the 7 year statute of limitations for reporting as mandated by the FCRA and are required to be deleted. Experian is refusing to delete. Account XXXX XXXX XXXX, XXXX, date of first delinquency was XX/XX/2012, and FCRA requires this be removed after 7 years. Account XXXX XXXX XXXX, XXXX, date of first delinquency was XX/XX/2012, and FCRA requires this be removed after 7 years. Please comply with the FCRA and delete both of these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached dispute results and ( 7 ) circle items. These items are still appearing on our report even after Equifax indicated they were deleted.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, Even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Please provide the names and business addresses of each individual with whom you verified the above accounts so that i may follow up.

Please send me an updated copy of my credit report after your reinvestigation.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX. Financed through Ally Loans. When I purchased the car I asked for a hard copy of the purchase, the interest rate, the payment book. I received none none of them. I was verbally told XXXX a month by the person who sold the car. Several years later I spoke to ally financial about a double payment. And to refund the other payment. They refused and said I owed it. That XXXX payment wasnt made. I got copies of 12 months of consecutive payments. Then I called again. And she said the car payment was XXXX not XXXX and I owed for all the times I didnt pay the extra XXXX dollars. Also, they never refunded the XXXX I paid twice for.
Product: Prepaid card

I purchased a {$500.00} XXXX XXXX card from XXXX XXXX XXXX shopette. I immediately went to my car to call customer service because I wanted to check the balance and it was not displaying on the website on the back of the card. The first operator I spoke to said there was {$500.00} on the card and there was maintenance on the website. After about XXXX minutes I tried again and saw that XXXX purchases to XXXX XXXXXXXX were on there. XXXX charge was XXXX, and the other was XXXX. After seeing those charges I called the card company back and they told me they can close the card but check back after 14 days to dispute it. This is utterly embarrassing, as people do not deserve this! How did anyone get my card information?! Could it have been the customer service rep!? I just want me money back and someone to be accountable for this. I am a XXXX serving in XXXX XXXX and this is XXXX.
Product: Student loan

Wells Fargo removed {$3000.00} from my XXXX XXXX account on XXXX/XXXX/2016, unauthorized. I had a payment set up for this amount, but called them on XXXX/XXXX/2016 to change the payment to the amount of {$490.00}. When I called them and told them I had cancelled the payment of {$3000.00} and needed the funds back, they acknowledged it was their mistake and that they payment should have been cancelled, they did n't know what had gone wrong. The next morning, XXXX/XXXX/2016, I had a conference call with Wells Fargo and XXXX XXXX to see if the charges ( there were multiple ) would clear or be returned. Upon figuring out which ones would clear and which would be returned, Wells Fargo said they would refund me $ XXXX which is the amount that cleared my account and covered the XXXX overdraft charges I incurred because of the overdraft of my checking account. Wells Fargo said they would credit the {$870.00} back to my checking account. As of today, XXXX/XXXX/2016, my account is still negative {$770.00}. When I called this morning, the woman I 've been talking to informed me that the funds would be back in today. When I told her this entire process was absolutely unacceptable, seeing as I have been unable to use my checking account for six days, i.e. purchase groceries for six days, she told me that she was sorry, but they were doing me a favor because their usual process of returning funds is via paper check that can take up to 21 days. I do not understand how it is legal for them to remove funds from my account that I did not authorize, acknowledge their mistake, and then have it take this long for them to return the funds without offering me any kind of compensation. I attended the University of XXXX XXXX in XXXX XXXX, MN.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed an unexpected increase on my credit report from XXXX XXXX. I did not authorize or request this change. I contacted XXXX XXXX on XX/XX/year> and was either given incorrect information, no resolution, or no response. This change has negatively impacted my credit score, and I am requesting its removal.
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 https : XXXX 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 removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$2800.00}, XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alot of error on my 3 credit report also identity theft and have been trying for a long time to remove them but the bureaus refuse to help me.things such asXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank , Wells Fargo,  is failing to update another payment service,  XXXX , I use that I have connected to the aforementioned  Wells Fargo  account. The service  XXXX  is an app that allows  one  to access part or all of their next check a pay period earlier but they base the amount and frequency of of the reporting from whatever banking institution you have. This means if your bank fails to report balances and direct deposits posting in a reasonably timely manner you could end up suffering.  Wells Fargo ne eds to do a better job at updating their servers and reporting to these external financial institutions. This is no where near the first time I 've had to encounter this. This is just the first time it has inconvenienced me to the point of feeling the need to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX  XXXX with the ACCOUNT # XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX ACCOUNT # XXXX Please do not respond with identification verification, this is indeed XXXX XXXX XXXX
Product: Credit card

Dear CFPB, I am writing to you in regards to my credit card. My card was compromised and someone purchased {$670.00} worth of merchandise from XXXX. Therefore, the credit card company took these charges off of my card. Then, apparently the merchant repaid the charges, and the credit card company put the XXXX charges back on my account. They say I was re-embursed twice. I 'm not understanding how. All I do understand is that I 'm paying for {$670.00} that I did not purchase. I hope you can figure this out and help me. Thank you for your time. XXXX XXXX XXXX
Product: Credit card

Synchrony XXXX XXXX XXXX XXXX, XXXX, CT XXXX Dear sir, I have received a mail which has copy of a billing statement of TJX Rewards Platinum Mastercard sent from unknown company office XXXX XXXX XXXX, XXXX, PA XXXX XXXX I would like to suggest having the company name to avoid the misunderstanding of customer, who is the victim of identity theft, that your company is breaching the personal information to other person ; since I have not asked this unknown company to reprint the billing statement which I closed, or the statement was not returned at all. I have received my past billing statement, which the copies were enclosed ; therefore, this unknown company office should have not received the billing at all. Either way, I request the explanation why this unknown company office has the right to reprint my closed credit card billing statement and sent to my address. 
Sincerely,