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

I am writing to formally register a complaint regarding the fraudulent items on my credit report. I have made several attempts to resolve this matter through your customer service department without success. 
I first noticed these unauthorized charges and since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. Please assist me to remove the following fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've requested several times for Equifax to release my credit score. I was told to send in copies of my S.S.C as well as a passport and a written letter stating what needed to be done to my account on XX/XX/20 and sent in more information on the XXXX on XXXX. I called this past monday and was told that they can't provide me information and that I would have to resend in information again. I've very overwhelmed! My loved ones have been effected by the COVID-19 and some have passed away! Equifax has been unresponsive and I'm having anxiety attacks! Please help me and advise on what needs to be done!
Product: Debt collection

I'm not liable for this debt with progressive. I do not have a contract with CAINE & WEINER, they did not provide me with the original contract as requested. I orgianlly sent a certified letter XX/XX/2023 and have not heard back from them which is past 45 days as the law requires. i require Correction to my credit report. I demand this account be removed from credit report
Product: Credit reporting or other personal consumer reports

In summer XXXX  I sent {$90.00} over Zelle to an account that I thought was my friends. It was not, I was not given the Zelle warning prompt to verify that user and have not since gotten my money back.
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Experian charged off amount is {$1800.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit reporting or other personal consumer reports

I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't give authorization for this inquiry on my account. Bank XXXX ON MY CREDIT REPORT Dated XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I called XXXX in XXXX regarding the updating of my consumer report. I notice that after doing a UCC-11 search there was no liens on me. The creditors furnishing information to XXXX should have registered and recorded any alleged debt reflecting a lien on my UCC-11 search if I have an alledged debt with them. XXXX and the creditors should have reported and registered the alledged debts to the Secretary of State required by federal law. XXXX is also in violation for reporting inaccurate information on my consumer report. According to 15 usc 1681 ( a ) ( 2 ) late payments are excluded from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Net Credit/NC Financial XXXX I am a victim of identity theft. The thief opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent account identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, another government-issued identification card and 2. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; and o A completed and signed FTC Identity Theft Report or alternative affidavit of fact.

Please provide all records relating to the fraudulent account including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at XXXX XXXX XXXX XXXX XXXX, Al XXXX. 

If you have any questions concerning this request, please contact me at the above address or at XXXX Sincerely, XXXX XXXX Enclosures : Identity Theft Police Report Proof of identity : Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft
Product: Mortgage

I recieved a text message from a XXXX XXXX a XXXX XXXX Broker who works with XXXX XXXX XXXX  about lowering my rates for a mortgage I applied to through USAA the message had a STOP if you do not want any of these messages in the text so I did that. After about 15min I received another Text followed by 54 calls from XXXX till XXXX. all with the same thing about being brokers trying to lower my interest rates on my home mortgage. 

The info I was given via text was XXXX XXXX XXXX XXXX Broker NMLS XXXX p : ( XXXX ) XXXX c : ( XXXX ) XXXX XXXX : XXXX XXXX : XXXX a : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX After I told her I was reporting her here she gave one more sales pitch and ended the conversation then proceeded to send another text message from another phone number ( XXXX ) XXXX The calls came from these numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I give up there's too many and they keep coming I have asked them to take me off there list to stop texting and they just keep coming
Product: Credit reporting or other personal consumer reports

Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a soon to be father looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted them repeatedly to get negative past 30-60 days late off my credit report. I have paid on-time and have never gone past 30 days. They will not look at it or help me with anything. I was also part of the XXXX  scam and I had charges on my credit card that were not mine and so I had balance that was not mine and they did not remove it.
Product: Student loan

After complaint XXXX where Mohela charged my account twice and refused to refund me UNTIL CFBP intervened, the loan services has been withdrawing from my bank account insufficient funds to meet the monthly minimum required under the XXXX Plan. In XXXX they withdrew {$1.00} less than what was needed which created threats to put my account on default, which can have lasting and extremely damaging consequences to my finances. In doing so it also nulls the benefit of the XXXX plan of waiving interest since the minimum is not being met. 
I performed an additional payment to meet that amount. However, During the XXXX auto-debit they charge {$0.00} less than what was required, creating the same problem. 

In both cases I have called and they start by telling me that I MUST pay my amount due immediately. They also provide no valid reason for this continuing issue. At this point I have spent XXXX hours, more than a days ' worth of hours on hold trying to solve these issues. Mohela has shown incapable to manage these loans or XXXX be doing this on purpose to prevent the interest waive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is trying to collect on Student loans after XXXX and XXXX XXXX has been granted. I continue to receive harassment by phone calls. I believe that this violates the Consumer Financial Protection Bureau settlement with Navient. 

Notification to the lenders was provided in 2014 by my XXXX Attorney with a copy of the XXXX determination by a Federal Judge. 

I am permanently XXXX and receive only XXXX XXXX XXXX Benefits and XXXX Healthcare. 

Accounts with inaccurate reporting are : XXXX reported as late XXXX balance {$5900.00} XXXX reported as late XXXX balance {$2900.00}
Product: Checking or savings account

I have Checking, XXXX XXXX XXXX XXXXXXXX account with Truist Bank in XXXXXXXX XXXX XXXX XXXXXX/XX/2023 we moved to XXXX, CA and decided to close our Truist Bank since we moved out of state, plus the service at Truist gone downhill since they changed from SunTrust Bank. I communicated4-5 times over Chat sessions, Phone Calls and Mailing a letter to Truist Bank to close my accounts. After numerous Chats and calls of the time of a month the XXXX XXXX XXXX  accounts were finally closed. But the XXXX XXXX account is still open. Every time I call or Chat with them the tell me since it's a 'Trust ' account I need to come to the branch to close it. Again, I advised them that I now live in XXXX  and can't come to a branch. So, they told me since it's a Trust account I need to send another letter and explain I'm a Trustee instead of a Joint Account owner. So, I said, then why did you close the Checking and Checking Account?? I asked to speak to a supervisor and Complaint Line. XXXX said he can't transfer me to a supervisor and gave me the standard Toll-Free number. Very frustrating dealing with Truist Bank and will never recommend them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX received a call about data breech inside JPM bank for 10 years. I was offered insurance funds being the breech was on them XXXX for five years plus access to my trust and a safety deposit box also. Have not received XXXXXXXX XXXX Its was suppose to be in my account by XX/XX/XXXX. I contacted Chase bank customer service which told me I had to find external bank for my Derivative securities. I found XXXX set up an account and set up XXXX transfer to Chase bank XX/XX/XXXX. On XX/XX/XXXX XXXX closed my account with any warning and they wouldnt tell me why they simply said its there right to terminate relationship. I would like this resolved asap. Of course insurance funds for pain and suffering. I want back any loss of assets do to this situation. And full control of my accounts.
Product: Credit card

Bank of America has increased my rate steadily from 9.99 % to 25.24 %. They took my whole balance and converted it to the highest rate possible. This all started in XXXX, almost 10 years ago! They have been charging me up to {$480.00} a month in interest!!! Unbelievable!!! I have lost over {$50000.00} alone in interest on this XXXX card. I 've been trying to pay it down, but the balance originally was {$25000.00} and the interest very extreme. I can no longer pay almost {$1000.00} a month to just slowly bring down my interest amount, now at {$440.00}. They 're XXXX me!!
Product: Debt collection

I set up a pay agreement w/Portfolio Recovery Associates, LLC XX/XX/XXXX, ( collecting for XXXX XXXX XXXX  XXXX, XXXX ) Account number ending in XXXX. Portfolio acquired the acct XX/XX/XXXX. Anyway, pay agreement was : 12 pymnts of $ XXXX biweekly to withdraw from my checking account on a Wednesday or Thursday. Due to I get paid at a specific time of the day. Total {$240.00}.

PRA ( Portfolio Recovery, LLC ) stayed committed to the agreement until the very last payment. I contacted PRA between XXXX to request to submit my last pymnt a different way because I had changed bank accounts. I was informed then that the last pymnt request had already been submitted. My response was, Why would you guys do that, when its set up to withdraw after my payroll check direct deposits anyway? Regardless, if I did change banks? 

Thats when I checked my account to see they attempted on XX/XX/XXXX, I received a return check charge {$35.00} ... XX/XX/XXXX, then my pay agreement was cancelled XX/XX/XXXX. Not to mention PRA shows the last pymnt was XX/XX/XXXX, per my XXXX XXXX XXXX checking shows XX/XX/XXXX. 

I contacted PRA again to see a balance as if they had NOT received a dime from me. They responded as if I wanted to set up a new agreement. First of all, I never OWED a debt of any kind to Portfolio Recovery, LLC. Why would I set another agreement with them after the stunt they pulled? Like, people dont have lives and want to give money to collection agencies? Be serious. Under no circumstances will they receive anything from me. 

They have the audacity to CHANGE their payment plans since and have fair and affordable flexible plans on their website. Theyre affordable, but fair to whom? Their own pockets? 

I do not care what acct they acquired with my name, I never owed PRA, I will not pay any balance they decided to attach to my name. So they need to pass the acct right back to XXXX XXXX. Do not call me or notify me of any balance in writing. I submitted a Cease & Desist letter a long time ago, prior to the agreement. They also need to remove any tradline they have from all 3 credit bureaus, XXXX XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing this fraudulent account for over a year now. According to the FCRA this item is supposed to be removed within four days while the investigation is taking place. Also, Ive requested proof of the type of investigation that theyre conducting, and who they are speaking to. I have not received any type of letters in the mail that Trans Union claimed to send me. I need this matter resolved immediately.
Product: Checking or savings account

Various dates and times not just overdrafting issues, bank fees and return checks
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payment on XXXX XXXX / XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX / XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

EXPERIAN, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon possible. 

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX EXPERIAN XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX report incorrect dates on my credit bureau report for Chapter XXXX Bankruptcy. Information should have been removed XXXX. Experian and XXXX  are verifying information through a 3rd party company and not the Court. I have contacted the court and they have told me that they Do Not verify bankruptcies for credit reporting agencies.
Product: Debt collection

This company is reporting inaccurate information on my credit report. They are reporting that this is account is open with XXXX XXXX but this account has been closed since 2016. I do not know what this account is and has seen it on my credit report. The two main federal laws that apply here are the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have no idea of this account and have not received any valid information.
Product: Mortgage

My mortgage company, Newrez llc DBA of Shellpoint mortgage servicing XXXX XXXX XXXX XXXX, SC XXXX is continuously late paying my home insurance. When my insurance agent called them asking why they didn't receive the payment on time they told him that it had been sent and that he should cancel my home insurance. My insurance agent 's phone number is XXXX, he will verify the information I am submitting
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request ( Follow-Up to Unanswered Dispute - Identity Theft ) Dear Sir/Madam, I am writing to follow up on my previous dispute regarding the debt reported on my credit report by XXXX under the account XXXX XXXX. This account is a result of identity theft, and I have previously submitted supporting documentation indicating that I am a victim of identity theft. Despite this, my prior dispute has gone unanswered. I requested validation of this debt 90 days ago, and I am once again requesting that this matter be reviewed and resolved. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that is being reported. Given the nature of this issue, I am specifically requesting the following : Proof that the debt is mine, including the name of the original creditor. 
The amount of the debt at the time it was reported to you. 
A complete transaction history or statement detailing the debt. 
Proof of the original contract or agreement that verifies the debt. 
Any other documentation to confirm that the debt is accurate and belongs to me. 
As I have previously provided, I have attached copies of the following documents to assist with verifying my identity and to help resolve this matter : Drivers License ( front and back ) Social Security Card ( front and back ) Utility Bill Pay Stub Documentation supporting my identity theft claim ( previously submitted ) I request that this matter be investigated promptly, and if this debt can not be validated, I kindly ask that it be removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I expect this matter to be resolved in a timely manner. If this issue is not resolved in a reasonable time frame, I will consider further actions to address this discrepancy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I found out that my identity information was stolen and was opened a fraudulent account by Bank of America. I submitted the POLICE REPORT from the XXXX Police Department and FTC Identity theft report to the credit reporting agencies and Bank of America. XXXX, XXXX, and XXXX have deleted this fraudulent account from my credit report but recently, I discovered that the credit bureaus reinserted this fraudulent account back to my credit report without sending me any notification. I am a victim of identity theft.