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

Letters were sent on my behalf for dispute of credit inquiries and collections on XX/XX/2020, to Trans Union, XXXX  and XXXX  to conduct investigations. After no response within appropriate time frame, I sent 2nd notice letters for demand of investigation on XX/XX/2020 for mentioned collections and credit inquiries on my credit report. The time now has been more than 30 days, and I have yet to receive a response regarding investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Student loan

I chose to refinance my student loans wit h College Ave l oans. They ultimately used  XXXX  as the refinance company.  <P/> CollegeAve/ XXXX  disbursed the payment and started accruing interest on   X/XX/17  a nd my previous provide r (   XXXX   XXXX   )  received/processed the payment o n  X/XX/17 . Ther e was a six day window where I was being charged interest in both places,  XXXX   XXXX  and  XXXX .  <P/> I have calle d College Ave about  once a month since  XX/XX/XXXX  when I realized this. Each time they told me they would escalate the issue and get it fixed right away. Clearly that has still not happened and is the reason why I am writing this.  <P/> CollageAve/ XXXX  must go back and recalculate all interest and payments that I have made towards this balance because I have paid more interest than I should since the Principal amount would have been lower each time they calculate interest
Product: Credit card

I 'm the sole account holder of the Macy 's XXXX credit card and I gave no one authorization to use it nor did I add anyone as an authorized user. Someone used my social security number, name, address but not the physical credit card to buy merchandise worth {$7800.00} at Macy 's XXXX As a result of these fraudulent charges, I 've asked Macy 's XXXX to close my credit card account yesterday. 

More than an year ago I 've placed a security alert on my credit card account by requesting the customer service of Macy 's XXXX to verify the person 's ID before allowing purchases and allow purchases only if the Full name on the ID matches the Full name on the account and the face picture. When I called about the fraudulent charges on my account, I was told by their customer service that due to the busy holiday season, the associates were liberal and that they may not have always the time and liberty to check for the persons ' ID and that they allow purchases as long as they can pull up the account by social security number even if the person does not have the physical credit card with them. I would like to report Macy 's XXXX for not following the security guidelines I requested to be in place on my account and for letting someone who knows my social security number to use my account to buy merchandise worth {$7800.00} when actually my credit limit set by Macy 's XXXX is {$1200.00}. The current balance on my account is over {$9000.00}. I ca n't afford to make even the minimum monthly payment which is around {$260.00}.
Product: Debt collection

This correspondence is to notify XXXX XXXX XXXX that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, XXXX XXXX XXXX debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate deletion of XXXX inaccurate accounts currently reported under my name. I have no knowledge of this debt, and these accounts are not mine. I have previously reported this issue twice, yet no corrective action has been taken, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

These inaccurate reports are severely impacting my ability to secure a mortgage, and I request that you immediately delete these accounts from my credit file. Please also send confirmation of the deletion to the original creditor. 

Thank you for your prompt attention to this matter. 
Accounts XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Debt collection

The account listed below is fraudulent and was created without my consent I would like it removed from my credit report at once. I am a victim of identity theft and have several police reports to verify this. I have tried contacting this company many times in this matter. This account does n't belong to me please remove it at once because it 's not mine and was fraudulently opened. 
XX/XX/2018 Collection Agency ABILITY RECOVERY SERVICES , LLC Balance {$1400.00} XXXX XXXX
Product: Credit reporting

Experian is reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.
Product: Credit reporting or other personal consumer reports

I am writing to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. Here is the list of items that needs to be removed in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX & XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got an email from Chase Bank saying that my account was being temporarily closed do to suspicious activity. Today XXXX I git a letter in the mail saying that a merger between XXXX XXXX XXXX and Old XXXX XXXX  is forming and to continue making my loan payments as usual. I didn't open neither of these accounts. Someone is using my Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the spring of XX/XX/XXXX, I was informed by the IRS that somebody had stolen my identity and filed my taxes. I followed all policies and protocols with all relevant agencies. I submitted police report, affidavit, SS card, DL, and IRS letter. All 3 major credit bureaus removed fraudulent acct except, EQUIFAX. One account I have disputed with Equifax, for over two years is, XXXX XXXX XXXX. I called around XX/XX/XXXX to inform Equifax, I was not happy with the fact they keep telling me account was verified as mine. I demanded a loan document showing my signature as proof. The man said he would follow up. Fast forward : XX/XX/XXXX I am out shopping with my daughter. My retail CC came up declined. I was shocked. Used another credit card that was declined. I called XXXX XXXX, they explained EQUIFAX had sent a letter 5 days earlier that I was disputing my accounts as fraud. The bank closed my CC immediately. They can not reopen I need to reapply. I called Equifax that evening Spent three hours on hold in the XXXX. Finally, I was sent to Nevada EQUIFAX call center When XXXX pulled up my acct all she said over and over was " oh my XXXX, every one of your accounts on your credit report are being reported as being disputed by you for fraud '' Closed, Open Accounts 20+ years- all being disputed. I had called in reference several weeks ago about XXXX XXXX XXXX. I asked XXXX what EQUIFAX was going to do. She said EQUIFAX would send letter that I no longer dispute accts and remove fraud status immediately. That is fraudulent. Equifax is not to tell my creditors I no longer dispute accts as I never did!! - adverse action has taken place against me. I have closed CC with high balances. I have no credit available with unpaid balances. This is killing my credit score XXXX said it was a glitch in equifax stem. This is unacceptable, irresponsible and down right dangerous. I have been living a nightmare since XX/XX/XXXX.  Calling all my creditors begging them to not close my accts - guess what? XXXX XXXX and XXXX  are now showing/reporting EQUIFAX fraudulent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I signed an Agreement with XXXX XXXX ( see attachment ). They agreed not to report this account on my credit report. I was in communication with XXXX XXXX, XXXX XXXX XXXX. XXXX and I communicate through email. ( see attachment ). In XXXX XXXX XXXX was in breach of contract by reporting this account to the credit bureaus, which is reporting on my Equifax report and hurting my chances of getting approved for credit. I disputed this account with Equifax and XXXX XXXX, but they have yet to remove this account after providing documentations showing this account should not be on my credit report. My next step is to file a complaint with the XXXX, Georgia Attorney State General, and file litigation against Invitations Homes for breach of contract, and Equifax for refusing to remove this account after being provided documentation.
Product: Credit card

Adding documentation regarding the Bad Faith claim against Comenity. Daily I get letters tha dispute the last letter First letter ( not attached ) came in XX/XX/XXXX saying it was never cashed and when I called they agreed to cancel it. At this point I suspect theft/fraud/bad faith. Please review the letters and these are related to original complaint XX/XX/2017 # XXXX since not able to add attachments after originally submitted. I had also made a complaint to FDIC and they forwarded it back to you and XXXX was opened. It 's just a duplicate of XXXX so ok to close out XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 6. The inquiry was not authorized XXXX XXXX CRED Date of inquiry : XX/XX/XXXX Please Delete Immediately 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 8. The inquiry was not authorized US SM BUS ADMIN XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXXXXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I did not have access to my account. When I finally had access to review my balance it was not the correct balance. I canceled card and filed a claim. It was over XXXX missing from my account. They closed the claim and said they would not be returning my money. I proceeded to go to file complaints with the police department. Wells Fargo is now saying they are sending it up to the executive office. I do not believe they will return my money. I believe it's just a stalling tactic. This money was directly deposited to the account from a government XXXX competition I receive from the military as I was an American soldier. They have insurance to cover this and still have not returned my money. I'm actually having to live in a XXXX XXXX at this very moment because they allowed my former boyfriend to steal my money. He beat me XXXX XXXX and mentally abused me for years. Now they allowed him to steal my money and cause me to live in a XXXX XXXX because I don't have my XXXX money.
Product: Debt collection

On XX/XX/XXXX I received a letter stating that I owed an amount of {$1100.00}. I disputed the debt by mail XX/XX/XXXX. I never received any information confirming the debt and by XX/XX/XXXX, this collection company reported this debt on my credit report. This debt was actually a part of a civil case that had not yet been discharged. The civil case has since taken place and it was determined that it is Consumer Fraud. This Credit collection agency violated my rights by not sending me any information confirming the validity of the debt that I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Hard inquiry on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

XX/XX/XXXX original date of service by XXXX XXXX My insurance provider at the time XXXX XXXX XXXX. Work performed " Normal XXXX '' covered 100 % by insurance.

XX/XX/XXXX was informed when wife went in for work I had a {$220.00} bill outstanding, never received any bills.

XX/XX/XXXX received collection notice for {$270.00}.

XX/XX/XXXX contacted Americollect to get original debtor information.

XX/XX/XXXX conatacted XXXX XXXX to see why outstanding balance. Was informed refused by insurance.XX/XX/XXXX contacted insurance provider. Was informed it was denied becasue they did not supply pre-treatment XXXX.XX/XX/XXXXcalled XXXX XXXX back informed them what had to be done and insurance would cover. They informed me they would resubmit.XX/XX/XXXX placed dispute with all three bureaus for this account.

XX/XX/XXXX pulled free credit report as we are looking for first home purchase.

XX/XX/XXXX Collection is still active.

XX/XX/XXXX called Americollect again, informed them it was in dispute. Refused to give me contact information for billing of original debtor, only name of business.XX/XX/XXXX conatcated XXXX XXXX a second time. Got same information as first " Denied by insurance ''. Informed them again how to get it paid.

XX/XX/XXXX Called XXXX XXXX, spoke to XXXX. He verified why it was denied and they need to resubmit, but have not done so. Had record of me contacting them first time.

XX/XX/XXXXcontacted XXXX XXXX  again told them to resubmit, verified with XXXX XXXX   and gave them date of first contact and they have done nothing. They had no record of my first contact in XX/XX/XXXX said they would resubmit. Spoke to a XXXX   who said she would resubmit. Asked to have it removed off report and collections since it is on there by their error and not mine, was denied. She said she did have the authority to do that. I asked who did and asked for supervisors name was only given first name ( XXXX ) no phone number.

XX/XX/XXXXcalled Americollect and informed them this account is in dispute she said she would make a note of it.

To date no action has been taken by collection agency or XXXX XXXX to solve the dispute filed with all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file numerous dispute with reporting agency XXXX about this fraud account that does not belong to me that last dispute was file in XX/XX/XXXX i also files in XX/XX/XXXX i filed and sent documents as they requested the account has not been removed i filed the FTC report they removed all the other account and inquires but not the KIKOFF LENDING LLC account
Product: Credit card or prepaid card

Last XX/XX/2020 covid-19 hit and I was furlough from my position. I received a late payment of 30 days in XX/XX/2020, XX/XX/2020 - 60 days and XX/XX/2020, I explain to them that at this time I was not working and my unemployment hadn't started. Covid-19 was a nationwide impact on everyone. I work for this company for 10years and I've also been a loyal customer. I encounter hardship during a nationwide pandemic and they are stating there is nothing they can due for me. I also stated that I contacted them in XXXX to help with payment assistant and the representative did not sign me up and I called back in XXXX when I notice that I had late fee ... they removed all the late fees and credit me back but still report to the credit bureau of my late payments. Since then I have been on time with all my payments and they have also upgraded me to a black card/loyal customer. Covid-19 had a big affect on me and my living situation like a lot of people and I just want help resolving this issue, I think it is unfair that they are not taken in to consideration of covid-19.
Product: Checking or savings account

XXXX XXXX the amount {$4100.00} dollars that was taken out my savings account with out my authorization at Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/scrub>XXXX XXXX XXXX I received a call from a Wells Fargo customer service number. The person on the phone was calling to confirm about fraudulent activity. He began to read back several of my current transactions to me and told me that there was fraudulent activity on my account. He instructed me through a process through XXXX, which resulted in me losing {$1000.00}. After I realize what had happened, I immediately contacted Wells Fargo and submitted a claim. I also filed a police report. Case number ( XXXX ). through the XXXX account I was able to find this persons phone number, cash app account, and a photo. 
ive XXXX the email and immediately after me calling this person text me from the number inserted below. 

XXXX XXXX ( XXXX ) XXXX Cash App : XXXX XXXX The next day, the same customer service number reached out to me again. This time I was able to record. The video is about six minutes long and Im not able to insert it but I am willing to email if needed. On this call the person requested that I wire money to the following routing number. 
( XXXX ). after this phone call, I was able to insert the video evidence into my police report and also gave Wells Fargo my police report claim number.
Product: Money transfer, virtual currency, or money service

At my request, my bank First National Bank of Omaha, sent international wire transfer to an account at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX on XX/XX/XXXX from my business account. Later I have informed my bank that it might be a fraud and asked them to contact XXXX XXXX bank to get funds refunded back to my account with First National Bank of Omaha. They informed me that they tried a few times and I have to contact the beneficiary in XXXX XXXX directly, to get he funds refunded back to me. I could not reach the beneficiary as I found out finally on XX/XX/XXXX, that I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, Experian and Transunion data breach and may have got into the hands of the wrong person.