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

I recently discovered that a student loan account from the Department of Education ( serviced by XXXX ) has been reported on my credit file, but I did not attend school during the years in question. This account is inaccurate, and I believe it is damaging my credit score. 

Under the **Fair Credit Reporting Act ( FCRA ) **, 15 U.S.C. 1681s-2, creditors and loan servicers are required to report accurate information. XXXX has failed in this regard by reporting a loan for periods when I was not enrolled in any educational institution. I also believe this could violate the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692e, as it constitutes false representation of debt. 

please remove the following accounts below as they are inaccurate. 

DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$2300.00} DEPT OF ED/XXXX  XXXX  DATE OPENED : XXXX AMOUNT : {$2500.00} DEPT OF EDXXXX XXXX DATE OPENED : XXXX AMOUNT : {$2600.00} DEPT OF ED/XXXX XXXX DATE OPENED : XXXX AMOUNT : {$4000.00} DEPT OF ED/XXXX XXXX  DATE OPENED : XXXX AMOUNT : {$4800.00} DEPT OF EDXXXX XXXX  DATE OPENED : XXXX AMOUNT : {$7600.00} DEPT OF ED/ XXXX
Product: Debt collection

I went to XXXX XXXX  to have XXXX  work done on XX/XX/2018. They had me wait for the doctors approval and the insurance to be approved. I know this because I was waiting in the procedure room ( not the waiting room ) and the doctor came in numerous times to inform me they were still waiting for the approval. This took approximately 90 minutes. The XXXX  work was performed and I left the establishment. Weeks later I received a {$810.00} bill for the XXXX  work that was performed. I immediately called my insurance company and XXXX XXXX. My insurance company informed me that they did not ok the procedure and do not except XXXX XXXX bills. XXXX XXXX  informed me that since my insurance did not cover the procedure I was responsible for the bill. I have written numerous letters explaining my situation to both XXXX, my insurance company and the collection agency with no response except from my insurance agency which told me XXXX should have never excepted my insurance. 
This sounds like entrapment or fraud or both. Why would they make me wait 90 minutes to get the approval of my doctor and my insurance company then turn around and have it denied? Why would I be responsible for their mistake by excepting my insurance? This bill is now in the hands of CCS ( Credit Collect Services ) and has effected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX, XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX-XXXX  on XX/XX/XXXX 4. XXXX on XX/XX/XXXX 5. XXXX/XXXX  on XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX/XXXX on XX/XX/XXXX THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

XXXX. Chapter XXXX Bankruptcy-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Checking or savings account

About ten years ago my aunt died. I was the appointed Power Of Attorney on her behalf and the beneficiary of her checking account at Wells Fargo Bank. The account was closed after her death. I received a check for the sum of {$11.00} dated XX/XX/2022 recently made out to her name only, for some unspecified fees that were charged to her account. I went to the local Wells Fargo and tried to present the check, death certificate, probate form and last statement of the checking account that listed me as the Power of Attorney. I was told to call a number on the letter that accompanied the check. I called and explained the situation and was told I should present tne check to a bank or send in a special W form to them. This is circular system that isn't worth the effort and probably just serves lawyers. It reinforces my opinion that the banking system doesn't really serve customers, but mainly corporate interests.
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 {$12000.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$7800.00}, {$7500.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account.
Product: Bank account or service

On XXXX/XXXX/12 my account ending in XXXX was closed due to fraudulent transactions due to errors made by Chase. Chase allowed someone to deposit a fraudulent check in my account and immediately take the funds out of my account. The fraudulent check amount was {$3200.00}. Upon this discovery, I was told file a police report and return it to the branch. I did this, and the branch manager at the time told me everything was ok, and my account was closed with a balance of {$0.00}. This was fine, but years later I find out after trying to open an account with another bank, that I could n't because Chase has reported on my XXXX consumer report that I failed to maintain my account XXXX. In fact, Chase has on my consumer report that the account was closed due to insufficient funds totaling in the amount of {$3200.00}. Not only is Chase violating consumer reporting laws, but they are also asking me to pay a {$1000.00} settlement to remove this error off my consumer report. I provided Chase with the police report # XXXX precinct XXXX but they are still refusing to remove this derogatory marks off my consumer report. The branch manager assured me my account was closed in good standing with a {$0.00}, and to add insult to injury they even told me I could open another account with Chase. Why would they do that if they claim I owe money?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at, the list of accounts below have Violating my federally Protect the consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX Have all violated my rights. 
15 U.S.C 1681 section 602A. States : I have the right to privacy.

15 U.S.C 1681 Section 604A. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other reverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 a reasonable cost to believe that the information is in accurate.

Please Delete these accounts immediately to avoid further action.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax and this company still has duplicate student loans on my credit report. This is affecting my ability to purchase a new car that I need badly.
Product: Credit reporting or other personal consumer reports

Trans union has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inactive or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against trans union, alleging systemic issues such as failing to forward customer-provide evidence to fur users, accepting unreliable, responses, and failing, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. Theses failures align with my experience, where trans union has neither corrected nor remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from the company that I submitted a dispute with previously. In the letter it states that they have closed the account and no further payments are owed. The account is from 2015 and its the only derogatory account on my report and I would like it removed since they closed it and ther is no longer a balance. The company is Credit Acceptance and my dispute was in regards to their predatory lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.
Product: Debt collection

My account with XXXX XXXX was closed, Winn Law office bought a close case, and started a court case by a wage Garnishment against me, I did not get a court order just payer to pay on a closed case. they are taking 25 % of my earning I have a child in college her 3rd year, now I cant help pay her school Tuition please advise. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In checking my credit report, I noticed an improper entry from Southwest Credit System, XXXX XXXX XXXX, XXXX, TX XXXX. Allegedly relating an delinquent XXXX account. 

I do not have any delinquent accounts with Southwest Credit System or XXXX.
Product: Debt collection

I received a voicemail from " XXXX '' from XXXX, XXXX XXXX XXXX on XX/XX/XXXX from XXXX stating they needed a call back about paperwork with my name and social security number for an investigation they are conducting. The message went on to say that they needed to hear from me by the end of the day so they can notate my cooperation. I called them back and the first phone call I placed - no one came to the phone but sat in the background saying " they aren't going to put up with this XXXX. '' I hung up and called back and spoke with a representative who told me the debt they are collecting for is from Money Key and they will move forward with litigation ( not verbatim ) and stated, " you can't just take out a loan and not pay it back '' when I told him I've never had a loan from Money Key. I asked to speak to a supervisor. The supervisor " XXXX XXXX '' gets on the phone and when I asked for validation of the debt - he said it originated in XXXX and called Money Key on conference call. Money Key refused to verify any information and the supervisor didn't even attempt to identify himself as a 3rd party as he did with me. Once Money Key, I asked why the debt wasn't on my credit report and he said because they haven't moved forward with legal action yet. I asked why Money Key wouldn't have reported it delinquent. He stated I would have to take that up with Money Key. I called Money Key on my own and they confirmed by my social security number that they have never issued a loan to me and do not have any products or agencies in Virginia ( where I reside ). I called XXXX, XXXXXXXX XXXX XXXX back and requested they remove my work phone number from their records and the representative responded stating he would document my refusal to pay and hung up on me. I called back and " XXXX XXXX '' was back on the line but did not identify himself by first and last name ... it was just the same voice as the previous call. I asked if my number had been marked as no calls at work and he stated " No '' and proceeded to tell me I should be ashamed of myself for borrowing money and not paying it back. I used unsavory language and terminated the call. I immediately received a return phone call ( on the work phone that I requested NOT to be called ) from " XXXX XXXX '' or his voice at least - from a restricted number and he proceeded to tell me he would be delivering a court summons to my JOB and my house and they intend to move forward with their lawsuit. I may have responded but I can't recall. I terminated the call.
Product: Mortgage

I have been trying to get a copy of my promissory notes for both mortgages. I have a company that is trying to help me save my house. I have had some major life changes and with XXXX kids in the home Im trying everything possible to save my home.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed 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 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 creditors have violated my rights under : 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 an account without my written instructions. 

I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account was fraudulently accessed and personal data was changed. Once the data was changed, the fraudster than proceeded to make a {$60000.00} disbursement from the account ( basically draining the XXXX account ) and had the money wire transferred. The ACH transfer went through XXXX XXXX in XXXX, XXXX to a XXXX XXXX account in XXXX. The XXXX management firm, a company called XXXX XXXX [ Post Office Box XXXX XXXXXXXX XXXX XXXX ; phone XXXX ] WILL NOT provide me documentation of the chronology of the fraud related activity ( basically the details from the time the fraudster accessed my account to the time the money was moved ). XXXX XXXX will not provide any documentation, nor will they work with XXXX XXXX or XXXX XXXX to obtain the details of the fraud. The fraudster also used a XXXX XXXX : mail address, which they refuse to investigate. My expectation of XXXX XXXX is as follow : - Timeline of the account access ( screen shots from their systems showing when the attempted access started, how the fraudster got in etc ) - Timeline of how the personal data was changed and than the activity on how disbursement of the money occurred - Phone records of Alight employees who XXXX have interacted with the fraudster - XXXX XXXX has the Computer XXXX address of the fraudster and the XXXX : mail address ( it a XXXX address ) of who changed my personal data in the account This is just a small segment of the documented material I am entitled to. I want system screen shots and other documents from XXXX. I just do n't want a document just typed up detailing what happened. I have done more investigatory work than Alight ( or XXXX XXXX XXXX has done )
Product: Mortgage

Select Portfolio out of Utah took over my XXXX XXXX home loan. They have double charged me for XXXX and then reported a late payment to my XXXX XXXX credit bureau even though I made two payments. They have not credited me for the second payment for XXXX XXXX but rather double charged me for XXXX and is claiming I was late for the prior month which I was not. This is the second time this company had done this to me in an effort to levy huge penalties on me later. At one point they were charging me in excess of {$400.00} per month in penalties on a {$430.00} loan. I have complained about this before and asked for this to be investigated but nothing was done. They got away with this. They are trying to do it again. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters requesting validation of this debt and I receive letters back stating this debt is mine and validated however I still have not received any documentation verifying this debt belongs to me and I have no knowledge of this debt. Need assistance in this matter. XXXX XXXX XXXX Account Details Original Creditor : XXXX XXXX   Account # : XXXX Balance : {$0.00} Open Date : XX/XX/2013 I never received validation of this debt through email, phone call, United States postal service or by any other means. Therefore I am asking for written validation from the company at this present time telling me this is indeed an account that belongs to me. There is a XXXX  balance therefore there is not any money owed. VALIDATION means to provide Legal PROOF of this truth and accuracy. At this time this debt has not been validated therefore according to Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed? I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed. Please validate this debt or have it completely removed from my credit reports My next step will be hiring an attorney to pursue a civil action against your company.
Product: Credit card

I disputed charge to my card over service I received from a tech company. The service provided to me wasnt done well because the phone I got serviced broke within warranty timeframe. Went to service press told a manager would call me to resolve it. I never received a call. So I disputed it with XXXX because that is the card I used. XXXX gave me a credit 3 months go by and the charge was put back my statements I never received information on the investigation. Then I disputed again because something got to be done they put the charge back on my statements after another 3 months without any explanation. To me it seems as if they never tried to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a notarized identity theft affidavit to support my request. These accounts listed in my affidavit of fraudulent application do not belong to me and need to be removed.