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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. You have noe sent me any document supporting your claims that the disputed items belong to me. The disputed items shold have been removed if you are unable to prove that the disputed items are mine. Kindly comply with the Federal law and have the disputed items removed as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I found a wig on XXXX I wanted to wear for a photo shoot. I paid XXXX XXXX {$400.00} through XXXX through my Wells Fargo app. The wig was never sent. I also contacted XXXX but they could do nothing because there was no purchase through there, but the entire conversation was through etsy. The order was cancelled by me this morning. But there has been no contact from XXXX XXXX since I asked for a refund. When I called Wells Fargo, I was told that there was no guaranty that I would get the money back The supervisor was super rude and hung up on me when I asked why XXXX is in their app if they don't back it
Product: Credit reporting, credit repair services, or other personal consumer reports

Late the night of XX/XX/19, my bank texted me an alert of potentially fraudulent credit card charges made to XXXX. I replied to the text that it was indeed a fraudulent charge attempt. I spoke with the bank fraud team early the morning of XX/XX/19. During this conversation I became aware of completed fraudulent charges made to Experian credit reporting for {$1.00} and {$5.00} ( my bank has since reversed these charges ). The bank fraud team recommended that I request a credit report freeze, and that I obtain a personal copy of my credit report. I attempted to call Experian several times to freeze my credit report and report the fraud, only to get an automated number that wanted me to input my SSN. I was not able to talk with a live person, and still have not been able to do so. I was able to talk to with a live person at XXXX, and freeze my credit report through them. On XX/XX/19 I attempted to obtain my credit report from Experian online. I created an initial account, but was unable to log in to request the report using the password and user name I had just created. It said an account was already created for my personal information, and sent a password reminder to a fraudulent email similar to my actual email ( same user nameXXXX ). It appears that in addition to the fraudulent charges for unknown and unauthorized services, a fraudulent Experian account was created with my personal information.
Product: Debt collection

I have now answered over XXXX calls from a number that keeps calling as XXXX, which documented dates and times. Company appears to be Midland Funding. This must be a computered generated call, because nobody is ever on the phone, it shows blank air time, then a few clicks and disconnected. I do n't have a clue what they are calling about, but this occurs once to twice per day, and I have to drop everything I 'm doing just to hear a line drop with no person available. I wish for them to stop calling, as for whatever reason they are calling, I tired of being harassed.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Had a checking account for 3 months at US Bank. On XX/XX/2020 a friend transfered money directly my account which triggered a XXXX investigation which was negative. The Bank closed my account as i was told in XXXX and they said that they would return friends XXXX but it could take up to 6 months because of COVID ( the transfer was to pay for my Moms funeral due to XXXX  ) After close to a year he still hasn't got his money Yesterday when I went to the Bank with Him the bank said that they could take as much time as they wamt.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting XXXX accounts that are not mine and have been found to be identity theft. I have sent documents proving the accounts are not mine and disputed but Transunion uses the EOscar system and didn't actually look into my issue or documents. The incorrect information is still showing on my credit report and by law, that's illegal. Transunion has been good about removing all other accounts but they keep XXXX XXXX with a balance of {$1900.00} plus on my report and it needs to be removed immediately. They also reported a XXXX decrease in my score with NO CHANGES. How can they do that? Just have my score go down XXXX whole points with no explanation? How is that ok? How is that legal? I want that to be fixed as soon as possible.
Product: Mortgage

We received a correspondence dated XXXX XXXX, 2015 from a XXXX XXXX, stating that she did a thorough review of the alleged " account ''. and it did not show any Loss Mitigation Activity. We immediately responded with a request asking what protocol CitiMortage use to determine Loss Mitigation? Was is in reference to the XXXX XXXX attested documents, or the trust filed with the sec.gov. ( already been satisfied ) Citi is well aware this is being disputed under the FDCPA. They have not answered our questions regarding their determination for Loss Mitigation? 
We will be pursuing remedy in a Court of Law for violations of the FDCPA and Maryland Consumer Protection Act, and criminal conduct. However, Citi should still have to answer our question regarding XXXX XXXX attested documents, or the Trust? 
CitiMortgage legal Counsel, who is also aware this is being disputed, again sent another letter stating that Foreclosure Proceedings were going to start. Even though this is alleged debt is being disputed under the FDCPA. The cat and mouse game is getting really old. 
The psa can be found at www.sec.gov, cik # XXXX, XXXX Series.
Product: Credit card or prepaid card

I recently called Capital One so I can change my date of payment. They said they couldnt. I called on XX/XX/XXXX when my payment was due and told them I would be making my payment on XX/XX/XXXX because thats when I get paid. They said it was not a problem and they would waive the late fee of XXXX. They didnt. So I called on XX/XX/XXXX again to ask them if they can change my date to the XXXX. They said no cuz my card is closed. Ive been a good paying customer for 3 years and now that Im having a hardship they wont even help me resolve this problem. Im not asking them to reduce my payment just change the due date so I wont get a late fee every month. I dont understand why they cant help me. My bill is getting higher witch doesnt help me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Received instant credit from Macy 's in-store and purchased items. Macey 's failed to deliver a bill, a card, or any method to check account or pay until AFTER the due date, but still assessed late fee. Immediately upon receiving bill I attempted to pay online, but their system remained down for a full day. Even though i paid the amount in full AND the inappropriately charged fee, they STILL assessed an additional interest fee. they agreed to close the acocunt. I am receiving this treatment as a direct result of my being XXXX address, and the company not getting initial card or bill to me in a reasonable amount of time before due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian, XXXX and transunion about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex ( XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the mold inhalation illness I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an inaccurate charge-off reported by Toyota Motor Credit on my credit report. This matter has been ongoing for nearly two years despite my repeated attempts to resolve it directly with Toyota Motor Credit. 

I closed my account with Toyota Motor Credit in XX/XX/year>2023 after making a full payment to satisfy the balance. However, an erroneous charge-off was later reported on my credit file for the months of XX/XX/year>2023 and XXXX 2023.. Upon discovering this inaccuracy, I promptly notified Toyota Motor Credit in August 2023, and a representative acknowledged the mistake, assuring me that it would be corrected. Despite this assurance, the incorrect charge-off remains on my credit report and continues to negatively impact my credit standing. 

I have made multiple efforts to follow up and request the removal of this inaccurate information, but Toyota Motor Credit has failed to take appropriate action. The continued presence of this error has caused significant harm to my creditworthiness and financial opportunities.
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 NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Credit card

I opened this card in XXXX of 2023 and didn't realize I had opted in for the credit protection option. Once I received my first statement I saw there was a fee and what it was for etc and decided to cancel it. I called the number on the back of the card and spoke to several people before the last one said ok ive removed this it won't auto renew anymore. Fast forward to XXXX I was checking my statement ( I don't as often as I should because the online access rarely works to view statements ) and the charge is still being deducted monthly. I called again this time couldnt get anyone for about XXXX weeks. I was over XXXX in the calling que. Once I finally got in touch with someone they again assured me it was removed and they would credit the previous fees of as well. Well I guess Im just a sucker because its still charging me and I can't get them to do anything about it if I can even get ahold of them at all
Product: Debt collection

On yesterday, XXXX XXXX, I spoke to a supposedly representative of Ad Astra recovery services to address the debt reported on my credit report. I was asked to share my social security number which I did n't feel comfortable sharing. I asked for more information about the collection agency, which the person by the name of XXXX shared the location but she would not give me her last name. I made the mistake of sharing my social security number because the agency sounded legitimate and it still may be but I felt very uneasy after sharing that information. I told her that I will not make payment arrangements until I receive something in writing to verify the debt which she said they are able to do. She stated that I will receive a letter in the mail within 7-10days. I believe the debt may be valid but I 'm not sure about the agency or the person I spoke too. My main concern is that they now have my social security number.
Product: Credit reporting

Experian refuses to discuss this issue with me. 
I have been unable to access or correct my credit report with Experian for more than two years. I recently received a notice of credit denied due to Experian, and I would like to correct errors on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payment reported on in this particular account:XXXX XXXXThe account was never past due, I never made a late payment to thiscompany ever, please change this. I have a good relationship with this company.
Product: Debt collection

CAPITAL ONE has been contacted repeatedly for more than XXXX year to resolve the fraudulent accounts. CO has failed to provide any material facts, or supporting documents that meet legal criteria of a contract. The information reported to the credit bureaus by CO is inaccurate, invalid, and unnverified, as it is fraud. I demand the XXXX account be deleted immediatly and permanently from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX and experian multiple times to report fraud with the XXXX XXXX ( XXXX XXXX ) account that was open on XX/XX/2017 with experian and showing XX/XX/2017 with XXXX. I did not open this account. It is A fraudulent account. The company says the account was opened online. It is against the law to knowingly report A fraudulent account and neither credit reporting agency is resolving this matter. XXXX has completed an investigation and removed it after findingit was indeed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax , Inc. was victim to a wide scale cyber attack that lasted fromXX/XX/XXXX where intruders gained access to information about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers as well as credit card numbers for about 209,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that I used to determine that my information was indeed compromised.
Product: Debt collection

About a year ago I was paying off old debts and XXXX XXXX XXXX had 1 of my debts. I called them to pay off one of the debts which I had known about. While talking to them they notified me of another debt that they had of mine. I told them I never opened that account and I never made any purchases with said account. They asked me if i wanted to dispute it and I said I did. Then they told me I would need an affidavit of fraud and a police report in order to do so. In the last year i havent gotten around to doing the affidavit of fraud or police report. 
2 Weeks ago I had a levy of {$830.00} placed on my savings account. It was done so by XXXX XXXX XXXX for New Century Financial. The address they provided to the court was XXXX XXXX XXXX XXXX, NJ. I havent lived at this address in over 12 years and they had my current correct address on file bc I paid a debt just a year ago for XXXX XXXX for {$320.00}. Since I wasnt recieving any letters from the courts or law offices I wasnt able to answer them so they were able to get a judgment on me.
Product: Debt collection

XXXX   ( original creditor   XXXX   XXXX   ) calls my place of employment every single day, all day. They ask the receptionist to transfer them to my boss a nd after leaving messages on his voicemail they continue to harass the receptionist with several calls.
Product: Credit card

Dear sir/madam, as I was going through my credit report on XXXXthen I noticed a negative report on my credit. The negative report was from Capital one Bank, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. First I have never had any Capital one Bank account with THIS ACCOUNT NUMBER XXXX. I Copy this account number from my XXXX credit report. Second, They have to explain which address I was living when I acquired this dept. I am requesting that Capital one Bank or any of it affiliates should remove such negative and false statement from my credit report
Product: Credit reporting or other personal consumer reports

I was issued a Total and Permanent Discharge by the Department of Education on XX/XX/2024. When trying to get the 3 credit bureaus to remove from credit report, they are constantly informed the information is correctly stated. When the Loan agencies are called, they pass me around from company to company. XXXX, XXXX, Texas Educational Loans etc. All informing me that I have no loans in my name. However, they can not remove me from the report since it is reported as different amounts and lenders than on my TPD form and the loan is listed as consolidated. I can not get any information on separating the spousal consolidation, only I must get on the Education website and apply. No form exists, no-one will assist. The loan is forgiven, yet still shows under my credit reports. Because I am retired with limited income, I can not get a loan anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle on XX/XX/XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, Global Lending, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these three hard inquiries are hindering me from doing so.