23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PLEASE DELETE THIS ACCOUNT ASAP. 
Dear CREDIT BEAURU, I am writing to formally dispute a charge-off listed on my credit report, which I believe is not mine. The charge-off, listed under the account number [ XXXX ], is inaccurately reflecting on my credit history. 

I have reviewed my credit report and have no knowledge of this account or any relationship with the creditor in question. This charge-off does not belong to me, and I request that it be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or erroneous information removed or corrected on my credit report. I request that you thoroughly investigate this issue and provide me with confirmation that this charge-off will be deleted from my credit history. 

Please provide a written response confirming the removal of this charge-off, and kindly update my credit report to reflect the correct information. 

If necessary, I can provide any supporting documentation to assist in resolving this matter. Please contact me at [ XXXX ] or [ XXXX ] if you need further information. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Old National bank is putting holds on checking accounts where the customer is unable to transfer funds out to another financial institution. I have had to call twice and spend 30-60 minutes on the phone with an agent who has been unable to rectify the problem. This is a basic banking function. They say it's a security feature. I have verified every piece of information on both calls I've made but yet still they keep you on the phone until you give up. I guess they believe the money is theirs and they can hold it and not allow electronic transfers to occur.
Product: Credit reporting or other personal consumer reports

I appreciate the time you've dedicated to addressing the removal of certain fraudulent items from my file, a consequence of an alleged identity theft. However, there are still lingering items that require your attention. I, unfortunately, fell victim to fraudulent activities, prompting this follow-up request for the elimination of the remaining inquiry on my credit file associated with the alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated that you expunge any items within 4 business days from the specified date, XX/XX/XXXX. This matter has been previously highlighted in my complaint, and I am reiterating it alongside my new FTC report # XXXX. Additionally, the data pertaining to this inquiry was previously unknown to me and has already been expunged from other bureaus. I harbor reservations regarding its accuracy, specifically referencing the entry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Consider this complaint as a final notification; failing to remove the listed remaining inquiry will prompt legal action. My attorney is apprised of my intentions and stands ready to ensure your accountability in the event of willful noncompliance. This serves as your last notice. Please proceed with the removal of the inquiry resulting from the alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

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

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX  XXXX {$1500.00} XX/XX/XXXX US DEPT. OF EDUCATION/XXXX   {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX inquires XXXX Inquiry from XX/XX/XXXX + XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Transunion to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Transunion it was confirm valid but NO PROOF was shown. I've faxed and mailed out via certified mail a FTC report and also a police report and XXXX failed to follow suit as other credit reporting agency has done so. I need XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed from my credit report or send debt validation of these accounts with my signature. 

PLEASE SEND COPIES OF DEBT VALIDATION WITH SIGNED SIGNATURE OR DELETE FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments l 'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action XXXXXXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  / Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education, credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Money transfer, virtual currency, or money service

An unauthorized amount of money {$170.00} was taken from my account and put in XXXX to a an unknown user, XXXX XXXX, at XXXX on XX/XX/18. My bank account has faced several security breaches in the past, including an unauthorized XXXX charge in XX/XX/2018, an unauthorized XXXX Charge in XX/XX/2018 totaling about {$20.00} each. As soon as I realized a huge sum of money was missing from my account I called Wells Fargo and asked them to freeze my account so the funds would not be transferred, and I explained to them that this transfer was not initiated by me, and must be a hack consistent with the other security breaches. They shut down that bank account completely and I opened a new one. However, they refused to freeze my funds or return the money to me, and said that through XXXX, payments can not be cancelled and that I must have authorized the transaction. I was in dire need of that money as a student and it was stolen from me. I have not had any new charges of fraud since opening this new bank account, so I believe my old one was just completely compromised and the final scam attempt was their big one. I feel duped and ashamed that the money I worked hard for at only XXXX years old was snatched from me. I called Wells Fargo and they said they could do nothing at all for me, and that if I wanted to file an appeal, it would be a complex process of scanning documents, a handwritten letter sent by post to California from my Florida address. I felt as if it was disingenuous and intentionally designed to discourage me. I did not have such resources. It is only in doing research recently that I realized I could file a grievance with the Consumer Finance Bureau, which I tried to do right away.
Product: Debt collection

this company is saying i owe XXXX from 2016 which is pass the statue of limitations, also i currently have XXXXXXXX XXXX and home service i have a XXXX balance there is no way this is my account. i asked them for proof this was my debt they never sent anything just continue to call and harrase me. if they cant proof this is my debt orginal copys these needs to be removed from my credit report. i have already been a victim to id fraud.
Product: Mortgage

I wanted to sell the house because I became injured at work and started falling behind on payments. Wells Fargo refused to allow me to initiate a sell because my husband had an IRS lien even though the mortgage was in my name only. My husbands name was placed on the deed after the house was purchased. I had XXXX  XXXX in XXXX and was forced to retire so I fell behind on payment eventually foreclosing on the house in XXXX and I am still unable to get any type of mortgage for at least two more years
Product: Debt collection

In response to capital Ones " position '', You Capital One stated " After conducting a review of your account, we made the decision to suspend and close your account on XX/XX/2021. We appreciate the additional information youve provided ; however, after further review, we can confirm that our decision will not be reversed. Please be assured that the decision to suspend and close your account was based on business concerns that did not relate to your credit worthiness. '' Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Capital One utilizing my account in anyway without my permission an I have no benefit. Your customer agreement does not trump federal law and any federal judge will agree in the court of law. Why is Capital One sharing my private account information without my permission which is not only a violation of 15 usc 1602 ( p ) but also a violation and breech of my privacy as a federally protected consumer and natural person. As a courtesy I will forward all correspondence, violations of FDCPA, TILA and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices. I will have your state attorney general launch an investigation into your unauthorized use of my account and personal information that you have shared without authorization.
Product: Credit reporting or other personal consumer reports

I APPLIED FOR AN AUTO LOAN AND WAS ADVISED THAT STATE EMPLOYEE 'S CREDIT UNION IS REPORTING A CHARGE-OFF TO MY CONSUMER PROFILE. THIS CREDITOR HAS WRITTEN THIS ACCOUNT AS A PROFIT/LOSS. I'VE CONTACTED XXXX TWICE PLEADING FOR THE 1099C TO BE ISSUED SO THAT IT CAN BE FILED WITH MY TAX RETURN. I'VE HAD NO SUCCESS AT OBTAINING THIS DOCUMENT AFTER NUMEROUS REQUEST. PER IRS, ONCE THE ACCOUNT IS CONSIDERED PROFIT/LOSS IT IS NOW TAXABLE INCOME FOR THE CONSUMER. 

THIS ACCOUNT IS NO LONGER VALID AND INCOME CAN NOT BE REPORTED ON TO A CREDIT PROFILE. I HAVE CONTACTED THE CREDIT REPORTING AGENCIES ATTEMPTING TO GET THIS RESOLVED. 

REPORTING INCOME TO MY CREDIT PROFILE IS IN VIOLATION OF 15 USC 1681E ( B ). THESE COMPANIES HAVE THE RESPONSIBILTY OF REPORTING MAXIMUM ACCURACY TO MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

The late payments on my credit reports should not be showing. I asked for assistance with a hardship and explained that I had XXXX during the time the payments are showing late. I have never been late and would like XXXX XXXX to remove the late payment status on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times about an unauthorized XXXX credit card hard inquiry made without my permission on XX/XX/2018, i have told chase i did not make that inquiry, today XXXX has also confirmed that i did not make that inquiry and has asked Experian to remove it from my credit file. I have submitted a PDF file provided to me from XXXX supporting what i said before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX Credit card a few weeks ago and I was not approved now today XX/XX/20 I received a letter in the mail stating the reason why I was not approved was because there are many accounts in negative standing appearing on my credit report. I looked through my credit report because I wasn't aware that there were negative accounts on my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way. I did not allow any of these accounts to be opened in my name nor did I gain anything from them being opened in my name such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these accounts. I have already filed a police report regarding these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, Section 602, state I have the right to privacy. Additionally, it states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, 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. 
Please demand the Creditor, in this case, XXXX to produce evidence of the delivery of the mailed payment, no later than 21 day, as the law states. If XXXX is unable to produce this letter the account must be deleted as it violates the law.
Product: Credit card

This dispute is between victim XXXX XXXX XXXX and Spouse : XXXX XXXX XXXX and companies XXXX XXXX also known as XXXX XXXX and US BANK Banking. On XX/XX/year> I signed up for XXXX XXXX bundle in which I would have internet/TV and cell phone service for me and my spouse XXXX XXXX XXXX. The card I used was through US BANK, last XXXX digits XXXX. I did this with a online agent through xfinity mobile/comcast. We ordered XXXX XXXX XXXX pros, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the following days I received the setup for internet and tv and set that up with no complications. Following that my wife received a package from FEDEX in which XXXX XXXX  XXXX XXXX  and XXXX XXXX watch XXXX was included. I then contacted XXXX and per their online chat person they assured me the other devices would be arriving in a day or XXXX. The other devices did not arrive, and I went through a long tedious process of calls, text conversations with XXXX to resolve the matter. Unfortunately resolution could never be attained. We never received our order. After multiple weeks of discussion with XXXX  we returned via FEDEX the devices we did receive. XXXX did confirm we returned these devices and told us a full refund of XXXX would be applied to the card we used. Another week or XXXX went on and the refund was never issued. We then went to XXXX XXXX store in XXXX. The agents there advised us to file a police report. We then went to XXXX XXXX Police Department and filed a police report that we never received the phones in question. After a few more days we still did not received the refund as promised by XXXX. At this my spouse and I decided to dispute the transaction with USBANK. A provisional credit was applied while they investigated the case. I provided the chat transcripts I had with XXXX, including transcripts and also provided USBANK with the police report we had filed. I also spoke extensively with a USBANK agent that documented the entire issue as stated above. Yesterday I found our that my dispute was found in the merchants favor, and I now have a XXXX charge from XXXX on USBANK credit card XXXX for phones/mobile service I never received nor activated. Please let me know if there is anything I can do to resolve this matter.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX that says it's a debt collector. I received a letter from XXXX saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.
Product: Bank account or service

I have been disputing fraud charges with both Regions Bank and XXXX since I found out about the charges on Saturday, XXXX XXXX, XXXX and Regions Bank has denied replacing my funds because the initial charge took place on XXXX XXXX, XXXX. The dates of the charges range from XXXX XXXX, XXXX to XXXX XXXX, XXXX. The dispute forms for the charges were received on Monday, XXXX XXXX, XXXX and faxed back to Regions on XX/XX/XXXX with additional dispute forms that had to be faxed to me and completed as well. I faxed exactly XXXX pages on Tuesday, XXXX XXXX. According to Regions ( the dispute response letter that I received dated XXXX XXXX, XXXX from XXXX XXXX - Consumer Support XXXX ), I will not have my funds replaced ( ranging from $ XXXX {$210.00} ) because the initial charge was reported outside of the billing statement, however, a {$36.00} overdraft fee was refunded to my account on XXXX/XXXX/XXXX as a courtesy. As long as I banked with Regions Bank, my account was never over drafted until this issue occurred. It was not until after the fact ( Wednesday, XXXX XXXX, XXXX ) that Regions Representatives advised of enrolling in the online billing statements. It bothers me because the larger charges took place within the billing statement time frame and they will not replace it. All they did was give XXXX credits of {$26.00} and the larger charges basically threw them out when those took place within the 60 day statement period. I wrote the president of Regions Bank and have yet to get a response. I 've reported this information to the XXXX and all I am getting is back and forth excuses between Regions and XXXX as to why my funds wo n't be returned to me. The individual that stole my bank card information resides in XXXX and I have been a XXXX resident for over 20 years and has never travelled to XXXX in my adult years, nor since banking with Regions. I opened my Bank account XXXX/XXXX/XXXX and thought this was a solid banking institution that I could trust and remain with for a long period, however, due to recent events, I am incorrect. I feel as though Regions do not care about their customers like it is advertised. There should be no reason as to why it has or is taking well over two months to resolve this matter. I have provided all required information to both Regions Bank and XXXX and I 'm still at a dead end. No one wants to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Agencies have ignored my request to remove unauthorized information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and incomplete information on my credit report, specifically regarding late payments reported by the XXXX XXXX XXXX XXXX ( XXXX ) and personal information errors. Pursuant to the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other applicable laws, I request a thorough investigation and correction of the following disputed items. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires credit reporting agencies to provide prompt notification of the results of a reinvestigation to the consumer.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires credit reporting agencies to modify, delete, or permanently block disputed information that is inaccurate, incomplete, or can not be verified.

4. 15 U.S.C. 1666b ( a ) prohibits creditors from reporting late payments if the payment was made within the grace period or if the creditor failed to provide proper billing disclosures.

5. 15 U.S.C. 1681n and 1681o provide for civil liability and damages for willful or negligent noncompliance with the FCRA.
Product: Payday loan, title loan, or personal loan

I had been financed through them for solar panels by XXXX XXXX XXXX XXXX that put them in. My panels weren't even working and they where making me pay for something that didn't even work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an inaccurate late on my credit report