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

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these account are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting or other personal consumer reports

I am writing to formally state that I have no knowledge of the credit account in question. I have never applied for, opened, or used this account, nor have I authorized anyone else to do so on my behalf. I have no record of any transactions, statements, or correspondence related to this account, and it does not belong to me. 

If this account appears under my name or credit report, it has been done without my consent, and I dispute any associated charges or responsibilities. I kindly request a thorough investigation into this matter and the immediate removal of any incorrect information from my records. 

Please provide any relevant documentation or details regarding the origin of this account. I appreciate your prompt attention to this issue and look forward to your confirmation that my credit history remains accurate and unaffected. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I got a call from XXXX who claimed to be collecting debt on behalf of XXXX XXXX XXXX from 2019. They had an old address of mine ( XXXX XXXX XXXX ) but I haven't lived at that address in a while. I contacted XXXX XXXX  and they had no record of my debt. They claimed they were from Arms Solutions which is who XXXX XXXX  uses. I'm thinking it's a scam since they pressured me to pay immediately and did not answer when I called back.
Product: Debt collection

I received collection letters from U.S. Collections West, Inc. Each letter had a different amount listed of money owed. I contacted them to find out what the debt was for and why I had received letters stating different amounts being owed. I spoke to XXXX XXXX. She was very rude to me on the phone and hung up on me mid sentence when I was trying to dispute the validity of the debt. I requested documentation for money owed adding up to the total amount owed. She initially refused. Upon further argument she still refused to mail said documentation to me and claimed she would email me. I still have not received any documentation in regards to said money being owed. She threatened me with legal action and told me she would garnish my wages.
Product: Credit card or prepaid card

On XX/XX/19 I paid my credit card in full 1 day late and requested a 1 time late fee waiver of {$27.00}. On XX/XX/19 the company responded that my balance was XXXX. I did not realize that I would need to pay additional money since my balance was XXXX. I have now received a bill for over {$62.00} which included an additional {$27.00} late fee. The company agreed to waive {$27.00} however I feel that I should not have to pay either late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed my Bankruptcy with XXXX with all of the documents supported and I sent in the Court Documents stating that the courts do not report to the credit bureaus ( see attachment ) so they are illegally reporting and I received a response from XXXX stating that they can't locate the disputed item ( Bankruptcy ) in their database in which I sent a copy of my report from XXXX which has the bankruptcy in the report ( See attached ) along with a letter to dispute with the references numbers along with my social along with telling them its a Bankruptcy. so this item needs to be deleted immediately from all three credit bureaus along with XXXX for having inaccurate information on my Credit Report and sending an inaccurate statement in writing. 

I have all supporting documents to prove this case and their response as well.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED XXXX, XXXX AND TRANSUNION SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU TRANSUNION, XXXX, XXXX have aided this Fraud by not verifying these accounts.1. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
* The inquiry was not authorized * XXXXXXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX *. Unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
* The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX SC XXXX *Unauthorized inquiry. XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 
* The following personal information is incorrect Former : XXXX, XXXX, XXXX Former : XXXX, XXXX, XXXX Former : XXXX XXXX * Account XXXXXXXX XXXX XXXX  # Account Number XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX I was told by my credit card company the late payments would be removed from my credit because my account was closed due to a misunderstanding and the account is still open. Also I wasnt sent a bill but Transunion XXXX XXXX  refuse to adjust my report
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 XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

I am writing to formally file a complaint against Experian located in XXXX XXXX, XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim, they have failed to provide the necessary documentation as required by the FCRA. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints lodged against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

I one day noticed my paychecks were smaller and called HR. Then found out that there was a garnishment for {$4000.00}. I NEVER received notification. I called the lawyer who was doing it and they said it was for a debt from a bank in which I closed my account back around XX/XX/XXXX-XX/XX/XXXX and withdrew all my savings of {$8000.00} and asked the teller if we were good and she said yes. The bank had went out of business not long after. I asked what the debt was for they said an old account of a little over {$1000.00} with the bank. I told the woman I closed my accounts when I was moving and remarrying so did not see how and they never notified me of the debt to try to set up a plan or prove it or even of a garnishment. They have taken well over $XXXX XXXX  already and still harass me. They also told me when I called them that they have another debt from a XXXX bank with an old boyfriend. I told them I never had a XXXX XXXX account. And not with him either. I called XXXX and they said they NEVER showed me having an account either or debt. I asked them for proof and they refused and are threatening to garnish it too. This law firm is taking {$4000.00} from me and never notified me or provided proof on a debt with no evidence or even tried to work with me and I am a single parent dealing with XXXX and XXXX and they are rude and always threatening. Plus we are talking over 13 years old and a bank that is long out of business. Please help
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the XXXX  account has violated my rights. 

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

18 U.S.C. 1028A Aggravated Identity Theft 15 U.S.C 1681 section 604 A it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 6802 Obligation with respect to disclosures of personal information According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. 

Attorney Fees Reimbursement : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to seek reimbursement for attorney fees incurred during the dispute process if the inaccuracies are not resolved. This matter requires legal intervention, I will pursue recovery of all related costs and attorney fees.
Product: Credit reporting or other personal consumer reports

I am writing to complain to BSI FINANCIAL SERVICES about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company has falsely used my credit report.
Product: Credit card

I am writing to formally file a complaint against Wells Fargo regarding my experience with their XXXX XXXX Key Plus credit card, which I opened on XX/XX/year>. 

Background : I was pre-approved for the Wells Fargo XXXX XXXXXXXX XXXX XXXX  credit card and opened the account on the aforementioned date. For about a month, I used the card without any issues. However, I then encountered unexpected restrictions on my account. 

Attempts to Resolve : I made at least XXXX phone calls to Wells Fargo to resolve this issue, but each time I was told to wait for further mail correspondence. Eventually, I received a letter requesting a XXXX form, which I submitted to the branch on time. 

Account XXXX : Despite submitting the required form, my account was closed a couple of weeks later. I later received a notification stating that my account was closed due to a discrepancy between the income I provided during the application and my income as reported on last year 's tax return. I would like to clarify that my reported income of approximately {$40000.00}, as evidenced by my XXXX and XXXX forms, was accurate and matches what I provided during my application. 

Unfair Charges : I am appalled to have received a final statement today that includes a charge for the annual fee of {$99.00} and approximately {$50.00} in interest. Given that my card was restricted and subsequently closed by Wells Fargo for what I believe is an unjust reason, it is unacceptable to be charged these fees. Additionally, I was not provided with instructions on how to pay the bill while my account was restricted, and now that my account is closed, I have no means to settle the charges.
Product: Credit card or prepaid card

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 
XXXX XXXX XXXX account number XXXX Open on XX/XX/2016 XXXX
Product: Debt collection

The creditor LVNV FUNDING LLC keeps contacting me after I asked them to send me a letter to verify the debt is mine. This was back in the last week of XXXX. 
The so called debt for XXXX is not accurate at all because my deposit was kept by the original credit card company of {$200.00} plus I made a payment last in XXXX so the debt is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Inquires on my credit report that i did not authorize and XXXX and equifax refuse to respond or adhere to the laws mandated
Product: Debt collection

Diversified Consultants has reported a collection on my credit report. The collection was previously reported on my credit report by a company called XXXX XXXX. I reported this account to the XXXX County Sheriffs office and filed a police report. 

I provided the police report to XXXX XXXX and the credit bureaus and the account was removed from my credit report. Diversified Consultants has never contacted me, or sent me the required documentation according to the law and they are in violation of the FCRA and the FDCPA for reporting this fraudulent account.
Product: Credit card

XXXX I mailed a check in the amount of {$31.00}. Paying the account in full. 
XXXX payment of XXXX was due. 
XXXX I was contacted by bank there was fraud on my account. My account was frozen. 
XXXX I received a second bill with late fee. 
XXXX I contacted Comenity credit for a request to waive the late fee for this one time. They declined. I sited the message on the statement which said they may occasionally provide a credit on the late fee. They said I wasn't eligible for that because my account was closed. I had my account closed due to the fraud. 
XXXX I paid my account in full + late fee through their automated system, {$64.00}.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, the following XXXX accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX : account number XXXX XXXX XXXX account number XXXX -DEPTEDXXXX XXXX account number XXXX XXXX XXXX XXXX  : account number XXXX XXXX XXXX XXXX  account number XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have a fraudulent account on my credit report. Please remove this account from my report, it is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I would like to request for XXXX Long story short, I've expressed to TIAA/Everhome/Loancare that my mortgage was being stolen, and what should be a balance of {$300.00} to {$390.00}, instantly and now reporting in my credit a balance of {$440.00} ... ..fix it now. 

I purchased property @ {$460.00} over 10 yrs ago and paid full escrow only. I have never once authorized any heloc, loans or payment. 

I have all the documentation since date of purchase to prove the fraudulent and thieving activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax- I have called on several occasions regarding not being able to access my credit file and score. I attempted to apply for a loan and was told I had no credit file pulling from equifax after I have attempted to correct this numerous of times with no help. Seems that my file has been split. I have over 90 accounts that should and have reflected on my account in the past that has now disappeared.
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they have failed to update and change this information after I submitted documentation. 

Incorrect addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. XXXX XXXX XXXX XXXX tx XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ok XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ok XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Incorrect DOB : XXXX. XX/XX/year> Correct DOB : XXXX
Product: Credit reporting or other personal consumer reports

Im writing because Im absolutely fed up with the repeated mistakes on my report. These errors are dragging down my score and causing me to lose out on opportunities I deserve. Its incredibly frustrating to feel like Im being punished for someone elses mistakesor worse, for information that cant even be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted XXXX, XXXX, and TransUnion to have this account removed, to no avail.