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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX****
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF EDUCATIONXXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, how are you writing this letter regarding a few that were fraudulently opened, I have already tried to dispute these few but have not been able to eliminate them from my credit report, I have an affidavit identity theft and report these accounts as fraudulent please remove  these accounts of my credit report THANKS ..
Product: Debt collection

To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY
Product: Credit card or prepaid card

I had a credit card with XXXX XXXX  for a XXXX XXXX. I charged a {$40.00} to this card number online. Gap instead charged a new account that they opened in my name with Barclay 's bank. Barclay did not send me the credit card and refuses to send me a card, and says that if I don't pay this bill ( without an account number ) by XX/XX/22, they will charge me a late fee and interest, and that I must give them my bank account ( checking ) account number, social security number, address, birth date, and everything they need to steal my identity. Barclays will not actually give me the account number so that I can pay my bill myself. XXXX will not move the charge to a different card. ( XXXX ) I never agreed to open a credit card with Barclays, ( XXXX ) I never charged anything to the Barclays card ( only to the XXXX card ), and ( XXXX ) both Barclays and XXXX refuse to give me the account number or to remove the {$40.00} unless fees are paid under a blank check. 

The XXXX account ends in XXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service. And unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to XXXX, XXXX and Transunion. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX  account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with this fair credit reporting act XXXX XXXX, XXXX # XXXX has violated my rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX CARD XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX CARD XXXX Balance : {$16000.00} XXXX XXXX Balance : {$9100.00} XXXX CARD XXXX Balance : {$4000.00}
Product: Credit reporting or other personal consumer reports

My identity was stolen and used to get an auto credit cards checking account
Product: Credit card or prepaid card

I have 2 late fees on my account. With payments made. Issue is on XXXX I paid my XXXX bill and on XXXX I paid my XXXX bill. They said because my XXXX payment went in previous cycle since statement wasn't cut until XXXX. My payment on XXXX was for XXXX. I am paying 26 days early and I get 2 late fees and they are stating it is my fault. 

David 's Bridal
Product: Credit card

My business credit card shows 2 separate credit cards on trust app that are both linked to one credit card. My app shows I'm paid up currently however on the secondary card it shows I'm late and still have a XXXX balance. The lady I spoke with has no idea what's going on nor has ever seen this before. I was told they would get back to me. However this is ultimately going to reflect on my credit report for an error with the banks systems/ app issues. I have kept up payments on all credit accounts. I have previously asked the bank about this XXXX balance account in the past but nothing came of it. Today is when I was made aware of the error XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

request for " Description of the procedures of re-investigation '' was received by Experian on XX/XX/2022 for XXXX accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within 15days. I do not give consent to extend this time. 

in addition my Full Experian File was requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX XXXXXXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}
Product: Debt collection

recently discovered several accounts on my credit report that I do not recognize, which I believe are the result of identity theft. The accounts in question are : Creditor Name : XXXX XXXX XXXX Amount Owed : {$860.00} Date ReportedXXXX
Product: Payday loan, title loan, or personal loan

In XXXX we had a XXXX XXXX salesman come to our military housing and sell us a vacuum. They 'financed ' our vacuum through Merchants Acceptance for {$37.00} to be debited our account on the XXXX & XXXX every month for 19 months. My husband and I signed the finance paperwork and the receipt for our vacuum. We never received a bill, statement or any mail or email communication from either XXXX or Merchants Acceptance but they debited our account for the agreed payments. We moved, changes accounts, and my husband lost his job so we missed a few payments. Without any communication, I did n't know who to contact. They finally started calling me. I tried to have them add the overdue to the end of the loan, but the person at Merchant Acceptance said he did n't have access to my payment history, my balance, or how long we had left to make payments from our original agreement, just that I owed $ and needed to pay the total for the missed payments. I asked how I could access that information and he said they 'd have to mail me a statement. I got 1 statement that was very unclear on where we stood with the loan. I still owe them $ and would prefer it be added to the end of agreement due ti financial hardship. But that time should have passed already and they 're still debiting my account. Today they sent an employment verification to my employer. They had cut the signature line from my finance agreement ( that was not dated ) and pasted it on the employment verification. I did not authorize it or sign that form. What purpose could they have for photoshopping an employment verification? I dont know what I owe them, my payment history, or my overdue balance. I would like to resolve this but I do n't like that the do n't send statements or that they pasted my signature on an employment verification.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX, XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate and should be removed. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ( CRAs ) maintain accurate and complete information in their credit reports. I believe that the following items on my credit report are inaccurate and in violation of the FCRA : XXXX XXXX bankruptcy discharged, Case Number : XXXX - The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such information or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies, I demand this account be removed in accordance with the FCRA. 
XXXX. Unauthorized Inquiries - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. More Unauthorized Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I have no recollection of authorizing these credit pulls and demand that they be removed from my credit report in accordance with the FCRA. 

XXXX. Inaccurate Account Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no record in my possession that these accounts belong to me. Therefore, I demand that this inaccurate information be removed from my credit report in accordance with the FCRA. 

I request that you promptly investigate these items and make the necessary corrections to my credit report in accordance with the FCRA. Additionally, I request that you provide me with written confirmation of the actions taken to rectify these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

My name is XXXX XXXX. When I purchased my rental house, it was suggested that I should open an account with Wells Fargo. Not only did I open a checking and savings, I also opened an account for my children. When my son turned XXXX years old, he was told to convert his account to adult. While away in college, my son went to XXXX, Wells Fargo to do what needs to be done ( close the kids and open an adult checking account ). Since he did n't have his social security card with him, his new account was put on a temporary status. He was given a day to bring his social security which he neglected to do. I told XXXX of the Wells Fargo representative to close his account because at that time I could n't open my safe where I out his social security card. Last month, I received an email from Wells Fargo stating a bill pay was suspended due to lack of funds. I called Wells Fargo to inquire about the email I received. When I gave my debit card number, I was asked more authentication making sure it was me. After being on the phone for over 10 minutes, the represent informed me that the debit card I gave to him was n't valid because my personal checking account is closed. I asked them who closed it, but that 's when I realized that they are supposedly closing my son 's checking account. I asked him if my son 's account is open and he informed me that his account is still open. Wells Fargo made a mistake of closing my account instead of my son. He then procee to tell asked me if I wanted to reopen my checking account. I told him " yes. '' He transferred me to another department. After giving my information for the new checking account, I was told that they could n't open it for me and that I will be getting a letter in the mail. Few days later, I received their letter with the reason why they could n't open a checking account for me. Basically, they could n't open a checking account for me because of my history and credits. 
First, they made the MISTAKE of closing my account instead of my son. Second, I DO N'T recall having NSF on my checking history. Third, my mortgage with Wells Fargo is in good standing. I do n't keep a large amount in my Wells Fargo account because our primary account is with XXXX. When they found out that they closed the wrong account, I never received any apology for their mistakes. 
Your response are greatly appreciated. 

Sincerely, XXXX XXXX
Product: Checking or savings account

This incident happened on XX/XX/2020. It's about a fraudulent transaction on my debit card with bank of America and a company where I remit to send money to the XXXX called " XXXX. '' On XX/XX/XXXX, I received a text alert from Bank of America that my debit card balance dropped to XXXX, so I immediately checked my online account which I always do once or more times everyday, and true enough there were 5 different transactions amounting to XXXX plus 2-3 more transactions amounting to {$640.00}. So, I immediately called BOA and told them to stop those transactions because I have not authorized them. I even requested to have my debit card cancelled and changed which they did. They said they were not going to process the transactions which were still pending at that time. I also called the merchant who was able to stop only some of the payments, the last 2-3 transactions still undergoing when I called them amounting to {$640.00} each. At that time, they said they were going to refund me whatever amount got posted. Also informed them that I talked to my bank already. So, I just waited for some time since they said it was going to take about 5-7 business days to process my refund. However, because it was my debit card that had fraudulent transctions, my overdraft protection kicked in and paid my debit card totalling to {$6800.00}. I was hopeful that I would get refund from either my bank or the merchant, so just waited patiently. I didn't call again until around XX/XX/XXXX but they said just to wait for the investigation. I had a hard time calling for XXXX especially around the lock down period, had to wait hours on the phone and called them several days before I spoke to someone finally on XX/XX/XXXX. XXXX told me they were able to stop just the last 2 or 3 payments but they won't pay for the 5 transactions that already went through because they said my bank should have been able to stop it. So, I was frustrated with their answer and re-submitted additional documents to BOA. BOA took it as a new claim and re-processed it, followed it several times through phone, until after about 6 weeks, they determined they were not paying for it. So, I re-submitted a new claim on XX/XX/XXXX, re-adjusting the amount from {$6800.00} to {$4900.00}. Today, XX/XX/XXXX, I received a sad news that they are not paying for the claim again. This incident truly gave me a lot of stress. I have been with BOA for over 15 years but never had this experience. I am not sure how my account got hacked and money was sent to someone in the XXXX I don't know. I don't know who to keep pushing XXXX vs my bank. Thought I did what a prudent person would do to stop the transaction, calling and alerting my bank right away but still the transaction went through. So, I need your help please investigating this. It's a huge amount of money especially during this pandemic. Hope you can give me a light on this matter. Truly appreciate it!
Product: Money transfer, virtual currency, or money service

I have attempted to close my PayPal account via online help, telephonic customer service and email. PayPal insists, before they will close my account, that I first provide more personal information that I am comfortable providing. Additional information requested includes photo ID ( e.g., Drivers License ), billing statements, proof of address, and allowance to make small charges on my associated credit cards. As this is personal information that was not required to open the account, I do not wish to be held hostage for such information to close the account. They suggest I leave the account open, but I am concerned that leaving such an account open that I no longer wish to use subjects me to undue exposure to fraudulent use of the account. Additionally, I am uncomfortable providing a third party with information that can further expose my personal information ( e.g., Drivers License number ) to hacking and fraudulent access.
Product: Mortgage

I submitted a request to rushmore loan management for forbearance in XXXX and it was only granted for 3 months, and when I requested an extension I was informed that it would not be granted until I submitted a modification application. I submitted a loan modification application request in XX/XX/XXXX and I continued to be reported late on my mortgage even though a forbearance was granted. 

I requested again that the Servicer review my account to provide a loan modification option, specifically to allow the past due payments to be deferred with XXXX interest on the back of my loan. The representative hung up in my face twice today stating that I already have a forbearance which are the results of my modification application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Impacted by the XXXX XXXX. Please have OneMain Financial remove late payments from 3 credit bureaus ( My credit report. I have explained to OneMain from day one that my job closed down due to an employee at my job tested positive for XXXX XXXX. I tried to apply for Pandemic unemployment it was a night mare trying to submit my claim online due to thousands of other people applying and high trafficking.Day and night I tried to submit my claim. I had no control as to my job closing and pandemic unemployment website being down or not being able to connect due to issues at there end. My account was in good standing before XXXX  XXXX. Once my claim was approved I immediately paid my account up to date and paid more than my minimum towards my balance {$2000.00} So so wrong what OneMain has done to people at our worse time. Help me out was it really so hard to defer payments til I got back on my feet? Just disgusting and left a bad taste in my mouth to know that OneMain was they only business that did not defer not even one payment my other credit accounts I have in good standing as well had no problem deferring any payments. I will never recommend/refer anybody to this company! DO NOT BORROW FROM THIS COMPANY ONE MAIN FIN. WILL RUIN YOUR CREDIT FOR SURE I HIGHLY RECOMMEND IF YOU WANT A LOAN TO GO TO XXXX XXXX! The least OneMain can do is remove these late payments off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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: Debt collection

On XX/XX/2021 I was reviewing a copy of free annual my credit report & discovered I was victim of identity theft. Portfolio Recovery a debt collection agency for XXXX XXXX are reporting that I owe {$1700.00} to all 3 Credit Bureaus. However, I never opened an authorized account with XXXX  account. As a result I've mailed all 3 credit bureaus a letter informing them about this fraudulent account and that it is not mines along with a copy of my police report number & the detective I spoke with. And they are still reporting this fraudulent account on my credit report and all I am requesting is that this fraudulent account be removed from my credit file immediately.