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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and see A collection account reporting as " 12 XXXX XXXX XXXX '' with A number listed to contact the collection agency along with A NY address. And A Date open of XX/XX/XXXX. I immediately sent the company A debt validation request certfied mail as I'm 100 % certain I've never had any contracts or any obligations of debt with this business. I waited 30 days and no response. I then called the number listed on my report and noticed the name of the company I was calling was " Debt recovery solutions '' which isn't the name they're reporting under on my report it shows " 12 XXXX XXXX XXXX ''. During our communication via phone the representative says " XXXX XXXX you don't recall having A loan with check into cash in XXXX? '' I was shocked as on my report it says open date XX/XX/XXXX not XXXX. I explained to the lady that I have NEVER EVER done any business with this loan company in XXXX or XXXX and have NEVER had A loan with them. I asked her for the original documents showing I owed this debt and that it was valid. She advised they already sent the documents on XX/XX/XXXX which as of today XX/XX/XXXX I still have yet to recieve. I asked if I could have the company bonding information since they are in NY to search my state website to see if they are bonded and the rep refused to give me the information. I'm not sure if this is A scam company but Im at A stand still as this company is reporting inaccurately on my report and not providing the legal orginal documents to show this is A debt I supposedly owed. They openedly admitted to reporting incorrect dates also. I really needs help getting this resolved as I have exhausted all resources that I'm aware of.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1.there is some inaccurate information reporting. 
XXXX XXXX Account # XXXX Delete this account. 

2.there is some inaccurate information reporting. 
XXXX Account XXXX XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account # XXXX Delete this account. 

XXXX15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account # XXXX XXXX this account.
Product: Debt collection

I recently called and submitted a letter to XXXX XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 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 Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX  XXXX XXXX  XXXX to remove the collection from my credit report until the debt is validated.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified collections on my consumer report which I have uploaded. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute a late payment that is still being reported on my credit report for my student loan account. The late payment in question occurred over 5 years ago, and I believe it is necessary to address its reporting status due to recent developments regarding student loan debt. 

To provide context, I want to highlight that the student loan account in question has been deferred and I have never had any other late payments. Despite the deferred status, the credit report continues to reflect the late payment from over 5 years ago. However, I want to bring to your attention that there are ongoing discussions and movements in the United States government to address the issue of student loan debt and potentially remove it from individuals ' credit reports. There has already been motion for the debt be removed from government workers. 

The inclusion of this late payment from several years ago significantly impacts my credit history and may limit my financial opportunities. It is crucial to consider the evolving landscape surrounding student loan debt and the potential implications it may have on the reporting of such information.

In light of these circumstances, I kindly request your assistance in investigating this matter thoroughly and reassessing the reporting of the late payment on my credit report. I believe it is unjust to continue reporting this late payment, given the passage of time and the potential changes that XXXX be implemented regarding student loan debt reporting. 

Please take into account the following points : The late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain a responsible payment record. 
The account is currently deferred, as indicated by the documentation I have provided, and is not in an active repayment status. 
The current environment surrounding student loan debt calls for a reevaluation of reporting practices, as there is growing momentum to address the burden of student loans and potentially remove them from credit reports. 
I kindly request that you review this matter with consideration for the points mentioned above. I believe it is essential to rectify the reporting of this late payment, especially in light of the potential changes to student loan debt reporting that are being discussed. 

Please provide me with a written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this dispute and ensuring the accuracy of my credit profile.
Product: Credit reporting or other personal consumer reports

I want to freeze my Equifax credit report, so I tried to log in to my " myEquifax '' account XXXX XXXX XXXX XXXX XXXX My password is correct but it fails and asks me to call customer service to reinstate the account. However, I have already done this and even though I successfully reset my password it still hits the same error. Because Equifax has failed to give me access to my account I can not freeze my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy was not verified by the courts and needs to be removed. I have attached the from the courts supporting such facts. They do not have Social Security Number attached this account for me. This not my account, by the FAIR Credit Act ( section 623, 611 ) this information must verified by the original account holder ; in addition, to being accurate is not. I will hold XXXX, XXXX, and TransUnion responsible for displaying this information on my credit report. 

I have attached the letter from the courts, and I have requested this information to be removed months ago. Therefore, it has been over the 35 days. This is information can not be verified by a third part either as a so called government agencies. 

Please remove ASAP. Or face a Lawsuit
Product: Checking or savings account

Good day all ; Please review the below dispute at your earliest opportunity.     Warm regards,  XXXX   XXXX  Consumer Source of Information : The  Huntington National  Bank  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  Consumer ID :  XXXX  for  XXXX   XXXX   XXXX   XXXX  This account was included in a chapter  XXXX  bankruptcy i n 2010. Th is account should not only be removed from the credit report, it should be removed from check systems as well.     Further note that the address being reported for this account is inaccurate because the correct address is as follows: XXXX   XXXX   XXXX    ,    XXXX  , MI  XXXX  this when the account was open.
Product: Debt collection

My daughter had a balance from XXXX XXXX XXXX for service on XX/XX/XXXX. The amount ( XXXX ) was paid in full on XX/XX/XXXX. I was sent to collections despite having paid the debt. XXXX XXXX XXXX XXXX company ) provided XXXX XXXX with proof of payment. On XX/XX/XXXX, I followed up with XXXX XXXX because I had not heard back from them as they had promised. I was told that the payment had been applied and that the balance was paid. I was put on hold after asking the representative to contact the collection agency to let them know the debt was paid. 

I received another collection notice on XX/XX/XXXX for the same bill. I called XXXX XXXX and was told that the representatives can not talk to collections, but that the balance had been paid. I was transferred to a supervisor who said that the representative I had talked to on XX/XX/XXXX was not able to talk to the collection agency ... why was I on hold all of that time? ... but that she would try to contact them. 

I have had several agents over the last few months recognize that payment was made and that the debt is clear, and yet it is affecting my credit. I need help! I paid this bill, and I should not be in collections!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX I tried disputing this many times with Experian, XXXX and XXXX. The only XXXX XXXX I have ever had was many years prior to the reported date of 2020 and confirmed with XXXX that I have no outstanding balance with them. When I contact XXXX they don't recognize account number or balance being reported by XXXX. XXXX XXXXXXXX. When I contact XXXX XXXX  XXXX I can't get a hold of anyone that can bring me up in their systems. I have been disputing this for a couple of years and it is still appearing on my credit report.
Product: Checking or savings account

I had a problem trying to get money off my, NetSpend card it was worn, so.i ask to.get a replacement card which I had another NetSpend card after talking to the representative, he activated my new card on XXXX XXXX, but was never able to release my funds off my other card ending in XXXX card ending in XXXX, so I sent them the information about XXXX, to XXXX times always the same answer, your funds will be released in about XXXX to XXXX hours, never release my funds, I've changed to, XXXX  after talking to the S.S office sent my information faxed to NetSpend, to make sure they received it in which they did I got the fax confirmation number, but they told me the need day to send it again, and again, but nothing changes, please help me to retrieve my XXXX money ... XXXX XXXX XXXX
Product: Checking or savings account

I am trying to link my Pnc business account with XXXX XXXX. But it will not let me
Product: Credit card

XXXX XX/XX/2024 I messaged Chase on their website and stated that I wanted to cash in my rewards and close the consumer credit card account. I received a reply message stating that the reward amount would be credited to my account. 

On XX/XX/XXXX, I called the customer service number for chase and spoke to a representative. I enquired about how I could pay off the account since I was closing it. The representative said that he could help me with that over the phone. He said that he could see that the account was closed and he could see the rewards credit and then gave me a balance of {$3600.00}. I specifically asked him, because the balance was less that the previous statement balance of $ {$4500.00}, was I going to be charged interest because I am paying less than the statement balance. He assured me that I would not and that if I paid the XXXX, the account would be closed. I then gave him my checking account routing and acct number and paid off the acct. Two weeks later I got a statement with a {$47.00} balance which was 100 % interest charges from the previous period. I then called the Chase customer service line and explained to the representative that I had been assisted with paying off the account, and assured that there would be no more charges. I asked to have the interest charge removed. the representative said that she tried and it was denied. Twice. I explained that I was not going to pay it. Today I got a statement with a balance of {$76.00} which included a {$29.00} late fee and the afor mentioned interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # xxxx, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXXccount # 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Accounts # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX Ad XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX, and account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692 b. Acquisition of location. Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer- ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 d - Harassment or abuse ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( The nonstop calls and letters threating litigation and incarceration, has caused me mental anguish, stress and XXXX  in which i now take medication for. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong name and wrong addresses and collection accounts that has been closed but says a balance.
Product: Debt collection

as stated in the line about the information I requested, which should've been printed in the letter from AAFES military Exchange Debt Collection notices. In the past, I have tried to contact them.
I called them, and I have tried requesting the registration number. All attempts the call is either dropped or leads to no resolution.

They keep increasing Interest charges for one failing to pay. Yes, that is true, however, I also been wanting to know the necessary registration number I required from them.

Now that they ceased communication. I can not get a registration number, let along try to remedy with the Debt Collector in a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit score through XXXX XXXX and found out that there is a " loan '' reported on XX/XX/2021 by XXXX XXXX. I dont have any loan other than my car and my mortgage. I dont know what is this account for. I contacted them over the phone and they were telling me that they can open a dispute to clear this record but I had to give them all my information plus my SSN which i dont feel confident because i dont know who these people are and what they do. I need to know if you can help me to get clarification on why this loan is showing in my report. Unfortutanely, i dont have any documentation that I can provide as backup since this loan doesnt belong to me.
Product: Credit card or prepaid card

On XX/XX/20 a dispute was it to be reversed and then a credit was to be applied. The reversal was done but the credit was not. Without the credit my account is in a negative balance. I have contacted bank of america several times they see I did not get my credit my but they tell me that there is no time limit on how long they can take to apply the credit. I still have not received my credit it's been almost a month now. Help me please
Product: Mortgage

I bank with Wells Fargo Mortgage and have noticed a trend when using the mobile app to submit my monthly mortgage payments. 

When I submit a payment, a confirmation number is generated on the screen. I try to remember to take a screen shot so I have this confirmation number as reference but on the occasions when I have not taken a screenshot, my payments have failed to process and when I contact Wells Fargo mortgage, they claim to have no record of the payment submission. In all fairness, Wells Fargo has removed the late fee that was assessed on 1 occasion and has confirm that no credit reporting has occurred as a result of these instances but I cant help but think Im not the only customer that is impacted by this and others may not be willing to spend 30 minutes on the phone with Wells Fargo to correct the issue. 

I would recommend that Wells Fargo make previously submitted/pending mortgage payments ( inclusive of confirmation numbers ) available for customers to view through their app and online.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. That is identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Credco obtained my consumer report under false pretenses and without written consent. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. 
Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit card

Goldman Sachs does something no other bank does : They update your new credit card number with all of the old merchants EVEN if you tell them not to. They also refuse to block merchants if you ask them to. 

XXXX bank, XXXX XXXX, XXXX, if you request they will not do this. Only bank I have that does this is Goldman Sachs/Apple card . 

I signed up for a service called Done. 

My account was canceled and I received a cancelation email on XX/XX/XXXX. 

They continued to charge me. I filed a chargeback. 

Even with proof of the cancelation of the email, Goldman sachs took the merchant 's side. I didn't use the merchant 's service during that time period, my service was canceled, and I have email proof it was. 

Dispute information : Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XXXX XXXX, XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX Dispute case number : XXXX Transaction date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX - XXXX - XX/XX/year> XXXX XXXXXXXX XXXX - XXXX - XX/XX/year> XXXX XXXX  - XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.