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

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within XXXX Business Days of receipt. 
XXXX. Identity Theft SST/PIONEER {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the  FCRA 3. Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Amount XXXX {$20000.00} Date of Service : XX/XX/XXXX  Provider of Service : XXXX  XXXX XXXX  To Whom It May Concern, I have done some research and found that in accordance with the Fair Credit Reporting Act XXXX, Account # XXXX, has violated my rights. 
15 USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2, also states a consumer reporting agency can not furnish an account without my instructions.

15 USC 1666B, A creditor my not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose. 
I am demanding this account be updated to reflect paid as agreed and never late. 
XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX Date of Late Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Update as paid on time I await your reply to the above request. I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX Attached you'll find a copy of my Drivers License and proof or residency. 
( I am not a third party, I drafted this letter myself )
Product: Checking or savings account

On XX/XX/XXXX we wrote XXXX checks to pay bills for Electricity, XXXX Credit Cards and XXXX Car Payments. We walked those checks into the post office to mail them. They disappeared. We asked for an investigation into the missing mail, but were told that they didn't have tracking numbers, so there was nothing they could do. We then notified our Credit Union that the checks had been stolen. They advised that we didn't need to do anything else. 
The checks subsequently were altered and cashed by an individual at another Credit Union despite the fact that they were made out to well established companies.. 
Check XXXX was made out to a utility company on XX/XX/XXXX. The date was changed to XX/XX/XXXX. The amount was changed from {$96.00} to {$500.00}. It was cashed on XX/XX/XXXX. 
Check XXXX was made out to a Credit Card Company for {$810.00}. There was no alteration to the date or amount. It was cashed at the same Credit Union XX/XX/XXXX. 
Check XXXX was made out to a Credit Card Company for {$68.00}. The date was altered from XX/XX/XXXX to XX/XX/XXXX. The amount was altered from {$68.00} to {$300.00}. 
Check XXXX was made out to a Car Finance Company. The original date and amount was not altered when it was cashed on XX/XX/XXXX, but the date was then altered to XX/XX/XXXX and the check was cased a second time at the same Credit Union on XX/XX/XXXX. 
Check XXXX was made out to a Car Finance Company. The Date was altered to XX/XX/XXXX and the check was cased at the same Credit Union. 
Summary : XXXX checks were stolen from the Post Office. They were subsequently altered and cashed at a nearby Credit Union by the same individual on different dates. One check was cased twice. We are out {$3300.00}. 
This has been reported to our Credit Union ( different Credit UnioXXXX than the one where the checks were cashed ). They have changed out account information and have begun their investigation.
Product: Checking or savings account

I had opened an account in Wells Fargo Bank back in 2014 and they had automatically closed my account without my authorization and are now wanting me to pay an outstanding balance of {$160.00} in which I personally think that its not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the credit bureaus several times regarding addresses on my credit report that do not belong to me and are on my report as a result of identity theft aswell as inquiries and fraudulent credit accounts opened in my name and have asked they be removed the credit bureaus will not remove these addresses, accounts, and inquiries. I have provided them with identity theft reports and ask that these be removed from my file immediately XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX  XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ky XXXX Fraudulent accounts XXXX XXXX XXXX opened XX/XX/2022 XXXX  XXXX opened XX/XX/2022 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

been trying for over 3 years with nationstar for a load mod., in that time i have worked with over 100 of thier workers never the same person which is not good when you trying for something so important, i have mailed or faxed what they keep asking for only them to syy they never recieved it or needed more, i was always willing to send because this house is important to myself and my XXXX wife i have read where nationstar does this all the time i need your help that
Product: Checking or savings account

XX/XX/XXXX XXXX {$3000.00} was taken out of account, this man was able to send himself money off my my wallet on my phone and I did not authorize him to do so and when I spoke to my bank they said I let him. When I noticed the money was gone I called the police and got an investigation report but the police never got back in contact with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX. XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX  criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2024 [ Transunion, XXXX, XXXX ] Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts : US DEPT. OF EDUCATION/XXXX XXXX Account Number : XXXX DEPT OF ED / XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these accounts are inaccurately reported on my credit file, and I request their immediate removal. The Metro 2 coding associated with these accounts does not accurately reflect my credit history and is in violation of the FCRA.

Furthermore, the reporting of these accounts is in violation of various sections of the United States Code, including but not limited to : Section 1681s-2 ( a ) ( 1 ) ( A ) of Title 15 : Obligations of Furnishers of Information to Consumer Reporting Agencies , which requires furnishers to provide accurate information.

Section 1681s-2 ( a ) ( 8 ) of Title 15 : Duty of Furnishers to Provide Notice of Dispute, which mandates that furnishers investigate disputes forwarded by credit bureaus.

If these accounts are not removed from my credit report within 30 days, I will have no choice but to pursue legal action against the credit bureaus and the furnishers of this inaccurate information. 

I expect your prompt attention to this matter. Please provide written confirmation of the actions taken within the specified timeframe. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX said I was late on payments during my divorce and I asked to remove the trade line as it is wrong. 

They said no an I sited USC 15 and 18 as the basis for my request. 

They said to XXXX XXXX  in a manor of speaking. 

I had money in the bank for said vehicle and paid it off early as a result and I am planning on suing the bank to remove the negative information as under the federal law negative disputed credit is to be removed from any report I paid the loan under the terms of the agreement and then 3 years early. 

They stopped the auto payment for some unknown reason. 

I am a XXXX person and have had my credit wrecked by this agency for calling them out on the matter. 

I want the trade line removed as it is false and misleading to lenders. 

All credit lines that are in dispute are to be removed by the reporting agency if a dispute is not settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.
Product: Debt collection

To whom it may concern I have taken Portfolio Recovery to court in XX/XX/2013 for invalidated debt and I won the case - it was discontinued without prejudice and yet the account is STILL on my credit report - I have subsequently tried to sue them, send them a certified letter to the address on file with credit bureau and it was returned with " not deliverable as address vacant '' I am enclosing BOTH of these forms - Can you please help assist in taking these off my credit reports - Thank you -
Product: Credit reporting

Upon reviewing my credit report online, after there was a fraud alert issued on my debit card XX/XX/XXXX, there were questions from Experian and XXXX Credit Reporting Agency that said that I applied for a mortgage loan in XX/XX/XXXX ( lender not listed ) and that I owned a retail credit card. Neither of which is true. I was living in an apartment at that time and feel that my identity information may have been used by someone else. I would like to dispute these listings from both Experian and XXXX.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXXXXXX XXXX  Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I believe the account is invalid. L.J. ROSS & ASSOCIATES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

L.J. ROSS & ASSOCIATES XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> we visited the Wellsfargo XXXX XXXX branch. The banker instructed my wife to do the wire on her own phone as it was cheaper that way, the banker overlooked instructions provided and had my wife sent the wire to the beneficiary 's bank swift instead of the third party vendor swift. The beneficiary 's bank can't receive any us dollars there and never received this wire. the wire was clearly rejected in the Wellsfargo payment tracker XXXX XXXX XXXX  We have called numerous times to Wellsfargo customer service, wire dept service, corporate office customer service. People create claims, then we call back and learn claims were created incorrectly, then investigation keeps getting delay. The wire never left Wellsfargo but keep saying we have to wait 30 days. They made this mistake and are not doing the due diligence to fix an error they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sold the account and comenity bank took over in XX/XX/2019. I was never informed about this, comenity bank never contacted me for the payments or called. I left them Messages for months finally I got hold of someone in Customer service who took {$1000.00} Payment and informed me my Account is open and in good standing. They one day later I found out by reviewing my credit report that they closed my account months ago again without informing me ever and on XXXX XXXX their operator took my payment and inform me that account was in good standing as curtesy she waived the late fees because of the bank error. 

They defrauded me out of my money and misinformed me. comenity Bank took the money during the most awe full time when I could have used this to feed my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe, because I often may be living or visiting abroad for extended stays out of the country this has made me an easy target for identity thieves here in the U.S.. It was just a week ago or so that I discovered that there was a credit card and auto loan previously unauthorized by me taken out in my name. This include a XXXX XXXX credit card and an auto loan with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have access checking account from Citi group ending in XXXX. I asked them to close that account 3 months back. But they didn't closed it and instead charged me overdraft fees to make it negative balance.
Product: Student loan

I enrolled in a long-term repayment plans and Navient failed to disclose the annual deadline to renew my plan, misrepresenting the consequences of non-renewal, and obscuring the renewal notice to me, the borrower, when it was due for renewal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 

Collection Agency : XXXX XXXX XXXX XXXX Original Balance {$620.00} Original Balance Accounts name : Original Creditor XXXX XXXX  Reference Number XXXX Date Account Opened XX/XX/2018 Original Account Number XXXX Brand Name XXXX  XXXX Action took by the company for nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I submitted certified letter to Equifax stating that I have fraudulent activity on my credit report which consists of numerous inquiries that i did not authorize some even are duplicated from the same companies. 
XX/XX/2020 The dispute was closed and the fraudulent inquiries remained on my credit report.
Product: Credit card

I have sent many disputes to the Credit Reporting Agencies and to Chase JMorgan in regards to the XXXX accounts that they are reporting in error on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that Chase JMorgan verified that these items are accurate. But it is ironic how Chase JMorgan will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Chase JMorgan. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter in attempt to remove These accounts that should not be furnished on my consumer report as they are in violation! Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer, I am demanding the deletion of all the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX {$85.00} US Dept of ED/GSL/ATL XXXX US Dept of ED/GSL/ATL XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$62.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX