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

I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. On XX/XX/2024, I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file such as false names addresses and my non public information needed to be deleted and removed from my consumer report. I only have 1 name 1 address that i receive information. I demand a deletion of all personal identifiable information from my consumer report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX North Carolina Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX  Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX  XXXX XXXX North Carolina XXXX These inaccuracies has to stop, you are causing me embarrassment and impeding my right to fairness. DELETE IT NOW
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

I have never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX 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

There was a freeze placed on my credit report on Equifax due to an outdated phone number. I have asked them to remove this freeze and it is still showing a freeze.
Product: Consumer Loan

I bought a car, a XX/XX/XXXX XXXX, from XXXX in XX/XX/XXXX. I paid on it without fail, timely and in full. I traded it in on a XX/XX/XXXX XXXX. 
i have the contract, that clearly shows this, yet, XXXX, renegged on the deal, and now is saying i voluntarily surrendered my XX/XX/XXXX XXXX. The dealership sold my XX/XX/XXXX, then XXXX took the XX/XX/XXXX XXXX back. XXXX has lied into their own records because they screwed up by allowing my car to be sold even though it was still my car. I can submit some documentation now, and the rest later. XXXX is guilty of fraud, renegging on a signed deal, and allowing my car to be " stolen '' and sold by the dealership. The lies and fraud and wrongful reporting to the credit bureaus needs to be punished and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account which has been charged off. It is with JPMCB Card Services in the amount of {$2800.00}. 

I pulled my credit report today and noticed that they are reporting me as paying them during the months of XXXX and XXXX, XXXX and XXXX, XXXX, and XXXX in XXXX. I can guarantee you I would not have made a payment on a charged off account, thus, restarting the timeframe for which it will fall off the report. Unless, of course, we came to an agreement. This is an erroneous error and egregious for that matter. There was not even a decline in the amount owed. 

This is a blatant violation of FCRA regulations and if the account isnt removed immediately, I will be seeking a minimum of {$1000.00} in damages per day per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the FDCPA ( including, but not limited toSection 807-8 ) Violation of the FCRA ( including but not limited to Section 623-b ) Violation of FCRA ( Section 695-c ) I have attached photo shots of my credit report. I went back as far as I could and noticed it started in XX/XX/XXXX. That would be the start date I would be filing for, if this goes to court. 

I hope we can end this amicably and remove it from my credit bureaus ASAP. I am still willing to settle the account for the amount discussed a few months ago if you move forward with this action immediately. Otherwise, I will get litigious and file at suit for above said violations Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX
Product: Credit reporting or other personal consumer reports

I am deeply concerned to discover that my credit report has been accessed without my permission. There are inquiries listed that I did not authorize, and I have never applied to or interacted with the companies responsible. This is not only alarming but also a clear violation of my rights as a consumer. Its unacceptable to have my financial integrity compromised in this way.
Product: Checking or savings account

Was charged more than XXXX in illegal overdraft fees and was unable to see where to sign up for lawsuit that was already filed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was at XXXX XXXX in XXXX, PA, XXXX. I thought I was scheduling my upcoming oral XXXX. They had me sign a form on a tablet, which I assumed was permission for my XXXX. Unknown to me, I was signing a new Credit Inquiry for them of {$1400.00}, that they wanted in order for them to even do the XXXX! I have called Comenity Capital Bank, XXXX  XXXX  XXXX  and XXXX XXXX to no avail. I was on the phone 3-way with XXXX before my appointment, and with my insurance company, XXXX XXXX XXXX and XXXX was assured that I was fully covered. I am trying to repair my credit, and I do not want this Hard Inquiry on my report for 2 years, whenever I did not authorize it in the first place!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX Texas  stole my identity.I was born in XXXX. Live in XXXX XXXX, 25min drive from where I was born. This guy came back to XXXX Texas? After 31 years this guy comes back and has 5 different addresses? He has 2 different addresses in one credit bureau. One address is for a business, a parking lot, an apartment, a house. I provided all my info, the only one on my side is XXXX, the other two have still have his info. According to them he has everything From Social Security Card, Birth Cert, State ID, and passport. I have XXXX XXXX, XXXX on my side saying that individual is lying. XXXX  refuse to give him a credit card twice due to the information he provided to them was inaccurate. The only one who took the bate was First Tech Federal Credit Union. He has a car loan and a credit card with them. After 5 months Im stuck. I did freeze my credit. Thats the only positive thing I have so far. I have no idea what else to do. Yesterday I went to social security administration and they gave me the same info i been doing for 5 months and nothing else. My friend in the NYPD and FBI have told me the same. " These GUYS, use multiple addresses and go fishing to different banks or businesses they can open a credit card, they have everything from Social to passport and even hire people to pass them as a relatives. We have thousands crossing the border. They pay {$5000.00} to {$7000.00} dollars to cross them at the border. They have bank account numbers written in their cloths. If they can pay XXXX to cross them over, they do have {$2000.00} to buy your info in the dark web. '' XXXX  did a check on the emails, phone number and so on. It came out in the report my email was in the dark web. Same email I use to send personal information to the companies I work for ... ..Its been a long 5 months ... ... ... Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference the letter that I am uploading. I sent this letter to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I filed a dispute with Equifax by mail regarding a debt of {$200.00} with XXXX XXXX XXXX requesting that Equifax confirm this debt is not mine, and remove it from my credit report. They came back confirming that this debt was mine and kept it on my credit report. I called XXXX XXXX XXXX on XX/XX/2018 and a representative at XXXX confirmed that this debt is not in their records under my name within their system. Equifax did not investigate this dispute properly for if they did they would have removed it from my credit report. I am filing a complaint against Equifax investigation process. A satisfactory process would be that Equifax does the job that I am requesting and remove this debt immediately since it is not my debt.
Product: Debt collection

Navy Federal Credit Mortgage ( NFCU ) has been uncooperative from the beginning and is presently stonewalling my many requests for documents NFCU used to wrongfully foreclose on my home. NFCU states that I signed a " security interest '' in my home to my former spouse for him to take out a loan against my sole and separate real estate property, my home. NFCU wrongly foreclosed on my home and has repeatedly refused to provide to me any loan documents on my property as of XXXX 2017. I am a female veteran who NFCU has discriminated against. NFCU has also made misrepresentations that this supposed " security interest '' that NFCU claims I " signed '' exists. I went into the NFCU branch requesting a copy of the " signed security interest '' and NFCU stated " there was never a security interest document ''. NFCU could n't locate the document. NFCU also stated that they retain all documents for members mortgages. I 've asked NFCU repeatedly to put this information in a letter and they repeatedly refuse. It seems NFCU knows they wrongfully  foreclosed on my home as well as participated in financial crimes against me with my former spouse, XXXX XXXX XXXX. They 're covering it up by lying to me and making misrepresentations to the CFPB. NFCU has no intention of assisting me nor providing any information on the illegal loan they gave to my former spouse. NFCU is using smoke, screens, and mirrors to assist XXXX XXXX in his mortgage fraud and real estate fraud.
Product: Credit reporting or other personal consumer reports

The letter highlights a disputed account on my credit report, which I assert was unauthorized. Despite my efforts to resolve it by requesting validation of the debt, the company has failed to provide satisfactory evidence. I hold no legal obligation to pay the alleged debt and have engaged both the creditor and credit bureaus on this matter.
Product: Credit card or prepaid card

I have been doing business with Wells Fargo for at least 30 years. I have several accounts and have had mortgages which have been paid off. I also had 2 credit cards, one for regular everyday and one for business. 
This month ( end of XXXX or XX/XX/XXXX ) my business credit card was unceremoniously canceled with no notice to me, no phone call, text or email, no opportunity to object. I only know because my online account shows it was closed. 
When I contacted Wells Fargo, they said it was closed because Risk Management decided to do it because of my credit score. This is ridiculous for several reasons : My long history of good credit with Wells Fargo. 
My XXXX score on the Wells Fargo website is XXXX. 
My credit score with XXXX went down recently because an account I co-signed for had been paid late the account was opened before COVID, the person lost her job because of COVID, she has tried to start her own business and it is difficult because of COVID, her former XXXX husband is not paying court-ordered child support and the state is not helping her to garnish it, and now she has XXXX XXXX. 
They did not cancel my regular credit card which I pay off every month on time. 
My business account with Wells Fargo had more than {$1000.00} in it at the time. 
My business credit card ( the one they cancelled ) typically only has a monthly charge of {$19.00} which is paid every since month on time. 
To make matters worse, yesterday ( XX/XX/XXXX ) they added a charge of {$.00} to the card they canceled that had a XXXX balance at the time. 
I put in a complaint with Wells Fargo which they are supposedly investigating. And I was not able to state my case, they just took an abbreviated version and created a case, but I dont know what it says. But even if they find that they were wrong, they can not restore that card.
Product: Credit reporting or other personal consumer reports

I took a look at my credit report on XX/XX/year> and I noticed several inaccuracies on my credit report. According to FCRA Equifax is supposed to investigate this account for me and ensure 100 % accuracy. Here is the Account I am asking for you to verify. 
Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Chime has made incorrect information on my report, per FCRA all information shall be reported correct and verification of debt. 
I am wanting this deleted immediately as my identity was stolen and I have no knowledge for any accounts within these companies and never lived at this address.
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account RESURGENT/LVNV FUNDING Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts 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 know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute of inaccurate and/or incomplete information in my consumer report to XXXX, XXXX, and Experian. The XXXX XXXX that they were reporting concerning me was unverifiable by them. 

I requested a description of the procedure used to determine the accuracy and completeness of the information of the disputed information, I asked for the business name and address of all furnishers of information contacted in connection with such information and the telephone numbers of such furnishers when they initially prepard the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unforntunately, it appears that they did not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in their consumer reports thatq they prepared concerning me. Also I received information back from XXXX that they could not locate me in their database.
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.
Product: Student loan

I began repaying my XXXX XXXX student loan in the earlier part of XX/XX/2017. I was ordered to pay around $ 1300/month. I did this for a few month but literally would be negative in my bank account or with just a few dollars left at the end of the month. Called XXXX XXXX to explain I couldnt afforded the current payment plan. The XXXX XXXX rep told me to let my account go into collections to prove I couldnt afford my current payment so that they would work with me to lower my monthly payments. I didnt know any better so I did exactly what she told me too. XXXX XXXX eventually called me and then offered to lower my monthly payments to $ XXXX/month. However this reduced payment plan only last 2yrs then it goes back up to $ XXXX/month. Also I fee that XXXX XXXX trapped me by telling me to let my loans go into collections because I cant even refinance the loans due to the collections being on my credit report.
Product: Credit card

I am applying for a loan to buy a new house and my loan officer reported to me that there is a delinquent charges more than 30 days on XX/XX/2016 and 60 days on XX/XX/2016 for some credit card ending in XXXX that is issued by CBNA and he gave me a phone number XXXX, which I have called and stayed with them for at least 30 mns and they could not find any credit cards that was issued to me using both my name or my SSN or even my phones so they switched me to fraud department which could not find anything either and then I talked to few supervisor in CitiBank who could not help me at all, I do not have any cards and i never had any cards that ended in XXXX, I need help please, my home loan is depenedent on this ... the phone number that was listed on the consumer credit report was
Product: Credit reporting or other personal consumer reports

I have numerous collection agents with entries that reported derogatory on my credit report. I have no knowledge of whom these debts belong to and the balances they display.
Product: Checking or savings account

My name is XXXX XXXX I have a BANK OF AMERICA account I filed a claim XX/XX/2020 Claim amount total {$7600.00} Due to the fact that unauthorized purchases and were taken out of my account I followed the steps the banks asked me too and they denied my claim with no reason or explanation They re opened my claim again I waited only for them to deny it again Claim # is XXXX I am very unsatisfied with there services and u please look into it for me I need my money I am victim of fraud all my information was lost