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

XXXX was my previous cable provider : account number XXXX.The account was paid in full before transferring to XXXX.I never received anymore bills after my last payment of {$370.00} on XX/XX/2017. Recently, after multiple attempts to get the last bill, Just received a XXXX bill of {$170.00} for XXXX XXXX that I do not owe. There is an amount of {$250.00} on my Experian credit report that Ido not owe negating my credit report. I would kindly like this information be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage has reported me to the credit bureau for non payment of my XXXX payment. They also said that I did not pay my XXXX payment however I paid these payments on XX/XX/2021 and XX/XX/2021. They were both refunded back to me without my knowledge 4 days after each payment. I have since caught up the account, however, I should not have to be punished for something that was not my fault. I have never changed the way I make this payment. I have had this account for many many years and have never had a late payment. I have never even had a late payment on any other account. I care about my credit and have always had excellent credit. I would like for XXXX to fix this problem and my credit to be fixed. Please help me!
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft.

XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed there are several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ). In the balance ( HIGHEST BALANCE ) Section XXXX is reporting a highest balance of ( N/A ), Transunion is reporting a balance of ( {$470.00} ) and XXXX is reporting a balance of ( N/A ). The inconsistencies on the account are not accurate, the accounts appear to be from the exact same creditor, yet all the provided data for the account is different. 
Another Discrepancy I found on the account ( XXXX XXXXXXXX XXXX XXXXXXXX ) in the ( PAYMENT HISTORY ) section, the date XX/XX/23 is listed as charge off on XXXX, charge off on XXXX and there is no payment history listed or available at all on Transunion. 
Again, there are more inconsistencies on the account, and I ask that you remove this erroneous item from my credit report. 

Please thoroughly consider the evidence provided and remove the account as it is currently being reported inaccurately and in violation of the FCRA.
Product: Credit reporting

Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on XXXX, Equifax, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with XXXX  and Transunion whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. XXXX  shows this tracking number XXXX being delivered on XX/XX/2020 and Transunion shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Upon looking at my credit report I noticed that there was a collection account/charge-off account that was opened fraudulently without my permission. My identity was stolen and used to open several fraudulent accounts and make several fraudulent inquiries. The account in question is XXXX XXXX XXXX XX/XX/2009. This account needs to be removed immediately. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Student loan

MoHela servicing The calls take XXXX hours on hold. 

How do I get this money back. This should happen automatically like with other Lenders. A negative balance should be refunded when loan shows paid off!
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase is making a change to its existing policy, forcing arbitration. I believed I was covered under the Military Lending Act but Chase said I do not qualify for it.
Product: Credit reporting or other personal consumer reports

Despite my numerous efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has significantly impacted my life, causing undue stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I had been trying to dispute this account for inaccuracy of my credit report and getting this repossession removed from my credit report the remaining balance is very much incorrect, I never received any documentations from the company when they took actions upon theirselves I would like for the account to be removed from my credit report immediately the amount shown on my credit report is inaccurate and the address is wrong as well where I have never lived. Under the Fair Credit Reporting Act using 15 U.S.C 1681.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam! 
JP Morgan Chace Bank N.A. was corresponding Bank between XXXX ( it is not under sanctions ) and XXXX ( XXXX one ). XXXX of XXXX I tried to transfer {$300.00}. And my money disappeared in JP Morgan Chace NA. It was written like the payment is declined, but still, despite it is XXXX of XXXX, nothing was returned on my account. I sent them my XXXX code and asked to check out what is happened. They used all possible useless excuses but did not even agree to check the situation out, despite of all information provided. Could you help me somehow.
Product: Payday loan, title loan, personal loan, or advance loan

U was informed I owed XXXX on my vehicle but they are willing to take XXXX to pay off the vehicle Ive made several payments but according to them only a couple of payments were made. My car was repossessed illegally without the right to cure letter. I will like to file a complaint against Santander
Product: Debt collection

To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Checking or savings account

XXXXXXXX XXXX XXXX closed my account several years ago due to the fact we sell XXXX so we stopped selling XXXX and went to XXXX XXXX then closed my account several years later because they had no branch manager at the time to confirm with corporate that we are legit brick and motor store. They closed me down for large cash deposits but we have three locations and thats just the cash we make. They didnt allow us to respond or provide any proof. Them ending their relationship with me also caused me damages as we use XXXX to purchase tobacco and would normally receive 2 % cashback but since they do not do business with us, we were not able to receive close to XXXX a year in cashback Now Wells Fargo is closing our account not providing any information. 

We are legit businesses and can provide proof, but all financial institutions are shutting me down for no reason every time we have to switch banks it cost me thousands of dollars and delays income
Product: Debt collection

Auto Trakk, INC Car was totaled in accident/there was no balance/ they reported collection on a closed/ never late on account!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX  XX/XX/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

In accordance with the Fair Credit Reporting act. The following collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX on TransUnion, XXXX and XXXX, XXXX and XXXX XXXX Acct unknown on TransUnion, XXXX XXXX XXXX Acct XXXX on TransUnion and XXXX, XXXX XXXX XXXX XXXX on TransUnion and XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct Unknown on TransUnion The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information assembled by Credit Reporting Agencies I recently review my credit reports from TransUnion, XXXX and XXXX, I noticed many things are not accurate and incomplete and according to the fair credit reporting act the consumer reporting agency prepares a consumer report it shall have the maximum possible accuracy of the information concerning. the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

15 U.S.C. 1681c. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

On all these collection agencies, I did receive any information from or sign anything with them, that been said why they all are saying that I open an account with them when I did not. The XXXX and XXXX XXXX is one of the prime examples They said I open an account XXXX XXXX XXXX but the original creditor last payment was XXXX that was XXXX years ago. The statute of limitation in XXXX  is XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to XXXX, Equifax, and XXXX  to remove a few late payments from my credit report. It's been over 45 days and I still have yet to receive from any of the bureaus. The negative items on my credit report are causing me emotional and financial stress. I demand the negative items on my credit report to be deleted immediately or I will file for litigation due to the stress that you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act.

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are XXXX different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, Equifax, LLC isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.
Product: Credit reporting or other personal consumer reports

District Court for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Experian for fraudulent accounts that have appeared on my credit report. I have been stressing to Experian that these accounts are a result of Identity Theft stemming from XXXX XXXX XXXX. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraudulent Account/ Transaction/ XXXX XXXX  Account # XXXX Balance : {$4200.00} Fraudulent Account/ TransactionXXXX XXXX XXXX  Account # XXXX Balance : {$320.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Experian continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.
Product: Debt collection

Caller from FMS - Financial Management Systems keeps calling a relative, identifying themselves as XXXX Student Accounts. I do not have a student account with anyone in which I owe ; however, they have disclosed my personal information and continue to call repeatedly after being told that I do not live there and have not lived there since 1996. Have contacted them and asked them to stop, but they do not. My relative is over XXXX years old, and they continue to harass him.The contact information I have for them isXXXX XXXX XXXX XXXX - XXXX XXXX, Illinois XXXX
Product: Credit card or prepaid card

XX/XX/2019 {$1100.00} XXXX XXXXXXXX XXXX ID # XXXX XX/XX/2019 {$350.00} XXXX XXXX XXXXXXXX ID # XXXX I have disputed this multiple times with Wells Fargo ( WF ) and sought additional handling. It is not my charge and was not made by me. I never signed or provided information. I would have no reason to make this charge. 

When the charge appeared, I called the merchant number and they claimed they could cancel whatever was charged at that time. They then directed me to WF if the charge was not reversed for some reason. 

WF admitted that the Corporate Headquarter sent information that showed their concern as well and that they did not have sufficient information to process these charges. I do not recall the exact terminology translated by WF for the merchant, but clearly WF knew that this dispute process was not followed properly as they explained to me. They stated that when they received this information they should have continued to the next step and they failed to do so. It may be that WF ran out of time for the dispute process so just neglected handling it. WF then sent letters claiming that I paid monthly on the account therefore they had no dispute rights. They have failed to properly credit the account.
Product: Debt collection

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX .... The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting or other personal consumer reports

I have used Zelle for years to send and receive money. They would send money to the wrong people and wouldnt allow me to get the money back.