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

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

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

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

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


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

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

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

Thank you for your time and help in this matter. 


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

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

Sincerely, XXXX XXXX XXXX XXXX Balance {$20000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$160.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$360.00} Date Opened XX/XX/XXXX **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 XXXX XXXX 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

XXXX of XXXX  I filed 3 different disputes which were not properly investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX Portfolio Recovery XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX  Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Debt collection

My elderly mother in law was contacted three times by reps from Comenity Bank. One rep by the name of XXXX recently left a voicemail stating what company she was from and revealed my personal financial information to this relative. I recently made a payment towards the debt on XX/XX/XXXX and the phone call to the third party was made this week, after I had made the payment. 

I know it's against the Fair Debt Reporting Act to reveal information like this to a third party, and this particular relative 's name and phone number is not on any of my records, so I do not know how they found her info or why they are contacting third parties about this. I have also filed numerous complaints against this company in the past and they responded saying they would no longer contact me or my family, so they are once again in violation. I have proof of their statements. Perhaps they are retaliating against me for the complaints, or not giving their customer service reps the message to leave my family alone?
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 NumberXXXX Account Name : XXXX/XXXX  Account Number:XXXX  Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account 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: Checking or savings account

i called wells fargo about the class action law suit regarding over draft fees and they said that they had no knowledge of this lawsuit and couldnt help
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that my identity information was stolen and was opened fraudulent student loans by U S. DEPARTMENT OF EDUCATIONXXXX. I submitted the POLICE REPORT from XXXX XXXX Police Department and FTC Identity Theft Report to the credit reporting agencies. XXXX  has deleted these fraudulent accounts but Experian and XXXX  have ignored all documentations I have sent them. I contacted Experian and XXXX  and they stated that the police report needs to be signed by the police officer. I went back to the police station and got the signed police report. However, these two credit reporting agencies : Experian and XXXX  don't pay attention to any documents and refused to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXXXXXX XXXX -US DEPT ED XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit agencies are reporting my home address as and XXXX XXXX. 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX. 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.
Product: Debt collection

I paid off a debt for XXXX CITIZENS BANK. This account is closed and no longer owed.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX back in XX/XX/XXXX. They are saying that at the time I owed a bill to XXXX XXXX XXXX for {$4000.00} dated XXXX. XXXX said they didnt have this bill. XXXX they are reporting a total of 14 bills on my XXXX and Equifax now I am sure there are more credit reporting agencies that they are putting these fake bills on. All of these bills are fake. They put doubled the fake dates and the amounts. All of these bills are not legal. XXXX XXXX XXXX is putting these bills on my credit report when not one of these bills is legitimate. I have tried 3 times in the last 3 months to get these bills off of my XXXX and Equifax. I keep getting letters from Equifax saying the one bill was legit. These bills are not part of any lawsuit. These bills are past the statute of limitations of Wisconsin which is 6 years. Most of these bills are dated from XXXX and 1 bill from XXXX. If this company is doing this to me. How many other victims are out there that they are doing this to? They are trying to collect money that doesnt exist to anyone. They are trying to steal money from the American people. The sad thing about this if the Wisconsin department XXXX XXXX XXXX would had done there job they would have had there license taken from them and would not be doing this to me.
Product: Payday loan, title loan, or personal loan

This company has not tried to work with me during a pandemic. I asked can I get my payments lowered because {$530.00} is a lot a month, I was told no. I asked to split it every two weeks. I was told no, just make two payments online. At the end of the loan I still have to pay the total why can not I pay $ XXXX {$350.00} a month. I regret ever taking out a loan with this company. Please help
Product: Credit reporting or other personal consumer reports

My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please have the credit bureaus remove all other address. My only phone number is XXXX. There is an account from XXXX Acct XXXX on my credit report and multiple unauthorized fraudulent credit inquiries. I would like all ofthese to be removed. I believe that they are from a security breach from multiple companies exposing my social security number and from beingexposed to the dark web. The hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove
Product: Credit reporting or other personal consumer reports

There are 2 unauthorized inquiries on my credit report from navy federal credit union
Product: Debt collection

Not only is this account more than 7 years outdated but the amount owed is inaccurate. When I initially tried to pay on this debt, I was told to come into the store to pay. At the time I just moved to XXXX XXXX for XXXX so I tried to voice my frustrations with the whole process and that I wasnt comfortable giving my information over the phone. This debt that is owed is more than 7 or 8 years old. When I asked the company for 1 ) proof of debt & 2 ) date of delinquency, they neither responded nor changed the misinformation. This account for some reason keeps reporting month to month, current when I havent done business with this company in years.
Product: Money transfer, virtual currency, or money service

I received an inquiry for work to be completed via email. I responded with an estimate and the client proceeded to fedex an official sun trust cashiers check. I received the sun trust cashier check XX/XX/XXXX. Upon receiving, I deposited the cashiers check of XXXX $ into my local branch and waited 2 days for the check to clear. Once the check cleared I proceeded to follow clients instruction and make payments to his material suppliers {$4900.00} under the assumption bb & t had verified the funds, which included {$2900.00} deposit into a scammers XXXX XXXX account and {$2000.00} into a Bb & t scammers account. On XX/XX/2021 the fraudulent sun trust cashiers check bounces and Bb & t takes my funds immediately rendering me scammed out of {$4900.00}. I have email and texts conversations, photos of fraudulent check and all who were involved. I had a feeling something wasnt right but was sure my bank would spot a fake before clearing the funds into my account especially after the SunTrust and Bb & t merge, I was wrong and payed the price dearly. I have banked with Bb & t for years and have been a loyal small business client. I thought they would have taken Atleast some responsibility on there lack of due diligence.
Product: Bank account or service

Wells Fargo has been incredibly deceptive and intentionally confusing. To summarize, they have mailed me two letters confirming a so-called late payment was removed, and also verbally confirmed over the phone recently that it was removed ( listen to the call to hear the deception! ). It has not been removed, which is certainly deceptive and clearly unfair practices. 

The letters they mailed noting that it would not be reported reference the account ending in XXXX. 

-My Wells Fargo account number CHANGED after XX/XX/XXXX, due to a LOST CARD to the account ending in XXXX. 

-The late payment reported is for the account XXXX, as the account did not change to the new number until AFTER XX/XX/XXXX. 

-THEY ARE THE SAME credit line, the number only changed AFTER a late was reported because the card was LOST. 

XXXX is what the account was when a late payment was reported. The account number did not change until AFTER XX/XX/XXXX to a new number. The letter I have attached that they mailed is referencing what the account number was when they reported. 

I have never had anything negative on my credit and have been appalled by how misleading and deceptive Wells Fargo has been. They have lied to me several times, and told me conflicting infomation. When I called several months ago to confirm the removal, the representative confirmed several times that it had been removed. In my most recent conversation, they said it had not ... where are my rights? How is this ok? What truly deceptive practices! I have spent over a year being lied to and misled. 

In my most recent conversation, they were not able to confirm the two letters mailed to me stating the removal. That is very concerning that they do not maintain records of outgoing confidental customer information and would mail conflicted information repeatedly. 

This is WRONG!!! PLEASE HELP!!!!
Product: Student loan

On XX/XX/2023, I received a letter from Mohela stating my federal student loans have been forgiven 100 %. The forgiveness letter states it is retroactive to XX/XX/2023. 
I have requested information about when it would be reported to the credit bureaus every month since. 
After the first of the month, since XXXX, I am given different information from Mohela. In XXXX I was told the credit bureaus would be notified after XX/XX/XXXX. In XXXX, I was told the credit bureaus would be notified within 60 days. In XXXX, I was told the credit bureaus would be notified after 90 days. In XXXX, I was told the credit bureaus would notified after 90 days and that my balance wasn't updated in their system until XX/XX/2023. This is completely contrary to the letter I have on filed dated XX/XX/2023. 
I am filing a complaint against Mohela for not updating the credit bureaus in the change of the balance owed to Mohela and my federal student loans. 
For inconsistent information and an incorrect date on file. I have spoken to them numerous times and they refuse to transfer me to a supervisor or provide an explanation in the difference in the changes of the dates or length of times to report to the credit bureaus. 
I want consistency and to know why it hasn't been reported to the credit bureaus yet. Thank you.
Product: Debt collection

The collection company only gave me 10 days to respond to the court regarding the attorney 's lawsuit against me and my wife. In addition, the last two days of the 'answer to the court ' landed on a weekend. The court is closed on the weekend. Therefore, I actually only had 8 days to respond.They are suing my wife as well, even though I am the person that signed for the medical financial document. I called the collections company to work out a reasonable payment plan and they refused to negotiate, and proceeded to get a judgement through the court against me almost immediately, after I spoke with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medicredit is double reporting medical debts. There are XXXX debts reported XX/XX/2022 for {$110.00}, {$120.00}, {$150.00}, {$170.00} The same amounts are again reported on XX/XX/2022. Now instead of XXXX collection accounts, I have XXXX. I have called the company and they are unable to give me an itemized bill for these charges.
Product: Student loan

Background Summary : On XX/XX/XXXX, I paid off Loan # XXXX with Mohela in the amount of {$1400.00}. Following Mohelas XXXX timeline to update credit bureaus, I checked my credit report on XX/XX/XXXX, but found no update. Instead, I noticed an increase to {$1400.00} on my XXXX report. Despite disputing the charge and several follow-up calls to Mohela, XXXX was repeatedly informed that my payment was still in processing, although they had confirmed receipt. 
Key Developments and Issues : XXXX. On XX/XX/XXXX, Mohelas representative, XXXX ( ID XXXX ), confirmed the payment was mistakenly applied to Loan # XXXX instead of Loan # XXXX. She cited system migration issues and assured me a correction would be submitted, with an expected XXXX turnaround. Yet, in XXXX, the issue remained unresolved. 
XXXX. I escalated the matter to Mohelas supervisor, XXXX ( ID XXXX ), on XX/XX/XXXX, who sent escalation tickets to both the accounting and account rebuild ( conversion ) teams. Although this seemed promising, my credit report remains inaccurate, and Mohela has yet to report my payment to all three credit bureaus. 
XXXX. During my latest follow-up on XX/XX/XXXX, XXXX ( ID XXXX ) confirmed that the audit was completed on XX/XX/XXXX, and a XXXX ticket ( Case # XXXX ) is still pending. Despite these internal steps, the issue remains unreported to the credit bureaus, continuing to impact my credit score. 
XXXX. Called XX/XX/XXXX and spoke with Credit Department : XXXX XXXX Employee ID XXXX to check on the status. Still no update. 
XXXX. Called on XX/XX/XXXX here are my notes from that call. ( Took XXXX calls before reaching a person to provide me with an update ) XXXX Employee ID XXXX ( unable to help me, transferred me back in queue ) XX/XX/XXXX Advanced Department : XXXX Employee ID : XXXX What is the status of ServiceNow ticket case # XXXX - no record XX/XX/XXXX escalated request XXXX request still open XXXX opened a new ticket ID : XXXX To have the payment of {$1400.00} re-applied to Loan XXXX. Mind, you this was supposed to have been done back in XXXX. 
Why would I or anyone want to deal with a XXXX XXXX payment processing center that has these types of issues. Apparently, no SOPs and unable to follow internal processes to rectify their issues timely. Now we are in XXXX season and guess what, there is no XXXX tax statement with my XX/XX/XXXX recorded payment. I was unemployed the entire year of XXXX. I could have kept my money if I knew this was going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS AUTHORIZED ON MY ELDERLY GRANDMOTHERS CREDIT CARD, TO HELP AVOID HER BEING RIPPED OFF BY A CONTRACTOR DOING REMODELING, THEY RACKED UP THE CARD AND I WAS HELPING TRYING TO NEGIOTE PAYMENTS, I AM ONLY LISTED AS AUTHORIZED ON ACCT AND I AM NOT RESPONSIBLE FOR THE DEBT AS THERE NOT MY CHARGED, THIS IS LISTED ON MY CREDIT AND I WANT IT REMOVED. I HAVE SENT LETTERS TO THIS AGENCY AND IT STILL HASNT BEEN REMOVED. 


THE HOME DEPOT/CBNA # XXXX XXXX XXXX   XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Authorized Account- An authorized user is not responsible for the debt. 
Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX Original ChargeOff : {$9800.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX Credit Limit : Credit limit of {$8000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from CREDCO, I never contacted or contracted with this company. I contacted CREDCO by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account. I am disputing this again however I am including new information not previously sent in a dispute. The account I am disputing is US Bank  XXXX. The new information for this dispute is the following : US Bank is reporting 23 months of charge offs. That is incorrect. The status of this account reporting is incorrect. In addition, this account is also too old to remain on my credit report. Identity documents, including valid photo ID and address verification, have been submitted to this complaint.