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

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

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 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 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 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 card or prepaid card

On XX/XX/18 I did a balance transfer from my card ending in XXXX. As is evident in pictures I will show, I was left with a {$0.00} current balance which stayed that way till XX/XX/18 where I was literally charged an interest charge, on top of a interest charge on top of a mystery fee. The mystery fee was for {$220.00} and doesnt show in my current balance so theres no way to see what that charge was for. I called BofA customer support 3 times for hoping someone could explain these charges reasonably. Each person reading from a script said, this is standard practice at the end of a promotion with no valuable elaboration. The first interest charge was a {$41.00} on XX/XX/XXXX for interested charge on a balance transfer. BofA did nothing in this balance transfer. Standard practice for banking companies is not to charge money when they are getting paid the entire balance. Then that same day there was a second interest charge of {$37.00} just called interest charge.
Product: Debt collection

NATIONAL CREDIT SYSTEMS is reporting false information on my credit files. I have requested that they validate and the alleged debt but to no avail This is not my account and i did not rent an apartment, i request that this account be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit file from XXXX XXXX XXXXXXXX. This account isnt mine and under the FDCPA this a violation of my rites.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Experian and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An Affidavit of Truth was dated and NOTARIZED to Equifax on XX/XX/21 and the sent via certified mail and was delivered to Equifax on Monday XX/XX/21 I have not received a response to this nor have I heard from Equifax regarding this matter. 

THEY MUST REMOVE ALL PUBLIC RECORDS FROM MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted Equifax via USPS Certified mail to request a investigation into 1 account from XXXX XXXX, that was incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Equifax a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove this false account. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate.
Product: Checking or savings account

On XX/XX/XXXX I reported to the police department in XXXX Washington that I had unauthorized withdrawals on my account that amounted to as much as {$30000.00}. There are many untrue statements that the XXXX officer made during the police report. Anything they state will need to be evaluated. The withdrawals were taken by using my debit card number and purchasing online, and also making direct deposits From my account into XXXX XXXX XXXX account. 
When I had open this account On XX/XX/XXXX I deposited {$55000.00}, I also let the manager know that I had reservations about putting my money in a bank because Of on line banking I felt there was a risk. The branch manager was XXXX XXXX, I was not able to use a safety deposit box for cash, also the branch manager gave me an assurance that my money was safe there. The bank manager and myself walked over to a counter where the account was opened and the bank manager and I requested that there be a {$200.00} limit withdrawal In a day. There are also other alerts that KeyBank offers, like a text message to your phone every time there's a purchase. I drew out {$200.00} one day and I tried to draw out more and I was unable to. At that time I knew that if I was going to lose any cash it would only amount to {$200.00} at the most.
Product: Mortgage

In XXXX and XXXX of XXXX, PHH mortgage reported to the credit bureaus that I had missed two payments of my mortgage. I checked PHH 's system and confirmed through customer service in XXXX of XXXX that I did make attempts to make on-time payments, but there was a system error in processing the payment. Since XXXX, my XXXX checking account was stored in PHH 's system and every month I would login, the account would pre-populate teh account number and i would make my monthly payment. Since XXXX, I was never late with a single payment. PHH customer service confirmed that for an unknown reason, the system dropped a digit off of my bank account number which is why my payments were failing. In XXXX, I had to manually correct the account in their system that was modified somehow by PHH and I paid the account in full to make the mortgage current. In XXXX of XXXX, PHH customer service told me to write a letter explaining the situation ( since it was their fault that the digit of the account had dropped ) and then they would review and correct the blemishes reported to the credit agencies. On XX/XX/XXXX, I submitted a letter to PHH explaining the situation and requesting that the situation be remedied. My request was denied in XX/XX/XXXX, but a letter was never received from PHH explaining why. After months of calling in for more information, i finally was able to reach XXXX ( company ID XXXX ) who was an escalation specialist at PHH. He made two attempts to have the issue resolved and my request granted. The first request was to XXXX ' supervisor XXXX ( company ID XXXX ). XXXX declined my request as no apparent issue was identified - no other information or level of detail would be provided. XXXX then escalated to his technical team. They declined my request bc they said they didnt have widespread reports of issues with their system. I tried to explain to XXXX this was an acute issue, but he said they would not pursue the matter further. This was a system glitch on PHH 's end, they can not explain to me what happened, and have decided to leave the blemishes on my credit even though it's their system that had the glitch. No edits were made by any profile users to my account number.

There was no transparency with PHH 's escalation process and no good reason has been provided other than they don't know what caused the issue, so they are blaming me for it.
Product: Credit card or prepaid card

Got card XXXX no interest for 2years XXXX  XXXX tack on interest at XXXX limit XXXX nowXXXX. To date I’ve payedXXXX a month balance now XXXX there charging me 63percent what is going on
Product: Student loan

My student loans under one account with Nelnet was reported to all three credit reports as credit cards and having 8 different student loans. My Nelnet Account # XXXX Current Balance {$48000.00}. My student loan account I had filed a dispute fraud done by XXXX XXXX XXXX XXXX financial aid department and with federal student Aid. I have repeadly informed representative that forged Promisory Note not signed but typed my name on X/XX/10. Promisory. Note done by someone in the financial aid department at the University. XXXX XXXX, Chief Financial Aid Officer at XXXX XXXX I spoke to was the go to person who handles these frauds and disputes. Informed that all my financial aid files would be audited and that the forensic accountant auditor would be done. Nelnet representatives informed me that nothing would be reported as delinquent since I filed a fraud complaint and once that was cleared up, my student loan would be recalculate and corrections would be made and I would then start making monthly payments. But Nelnet reported 90 days delinquent on loans as if I had 8 accounts with them knowing I have one loan account with a total loan balance combined into One ACCOUNT. This has affected my credit reports rating/ score from good standing to bad standing. Affected me emotional, economically financially and have prevented me from applying for federal jobs. Nelnet account XXXX is not a credit card loan as it is reported on my 3 credit reports. Student loan I have.
Product: Credit reporting

I mailed a letter to Experian in XXXX 2016, disputing several accounts. As of today 's date, I have yet to receive the investigation results. I also tried to go online with Experian.com to review my credit report however I was unable to obtain a copy of it though they were able to pull up the report after being provided the exact information I entered online. I have contacted Experian today and spoke with the special handlings department who confirmed they never sent the results out. I advised they are now in violation of FCRA and need to remove all accounts that were on my initial request. The representative I spoke with XXXX XXXX XXXX stated she could only put in a complaint about the failure to send out the results. I immediately asked to speak with a supervisor to get an immediate resolution to the problem since this is going into the XXXX month that they have n't since this information out to me. I spoke with XXXX ( Supervisor ), who advised the only thing they can do to correct this problem is to mail out a new report to me. I advised that this is unacceptable as they never sent the original XXXX and I am well within my rights to expect their process & procedure to be followed as it relates to disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , FL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify XXXX that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed. 
Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach. 
I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From XXXX... ..XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquires From Experian ... XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Inquires From XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX DEALER ALL has voilated 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 also states a consumer reporting agency can not furnish a account without my written instructions. 

I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Product: Checking or savings account

I bank with Chime. About 2 months ago I got a new phone. When I downloaded the app & went to log into my account I was rejected. I put in the wrong password & they locked my account. I understand they do that to protect me from fraudulent activity. The problem is that when I keep calling & verifying it's me I get no help. Now they're saying I need to send a picture of the front & back of my ID. I don't have my ID because I misplaced while moving to CT. I can't get a new one because I can't access my money to purchase a new one. They keep giving me the run around & saying no. I really need my account unlocked.
Product: Credit card

I am writing to lodge a formal complaint against Bank of America for unjustly denying my claims for fraudulent transactions resulting from identity theft. This decision has caused significant distress and financial burden, compounded by my current health conditions. I demand a thorough review of my case and prompt resolution, as the bank 's actions have exacerbated an already challenging situation.

Claim ID - XXXX - ( {$780.00} ) XX/XX/year> / Claim ID - XXXX ( {$320.00} ) - XX/XX/year> / Claim ID - XXXX - ( {$240.00} ) - XX/XX/year> / Claim ID - XXXX - ( {$660.00} ) - XX/XX/year> / Claim ID - XXXX - ( {$130.00} ) - XX/XX/year> I expect a swift response and appropriate action to rectify this unacceptable situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX employer denied me work harbor XXXX XXXX XXXX wrongfully drug test me with out my consent.1 rental property in XXXX never stayed at residence. Also another rental property in XXXX XXXX never rented from them as well. Someone also has a home in my house we're there collecting mortgages out on currently I am in XXXX just got my XXXX XXXX XXXX XXXX XXXX kids just need you guys to see if you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681, a consumer reporting agency must maintain accurate reporting. Reinvestigate the account in question, see attached form 1099-C as verification that the debt has been canceled and is no longer enforceable. According to the IRS, form 1099-C is used to report canceled debt, which is generally considered taxable income. Therefore, late payments shall not be reported. 

Immediately remove all late payments from my consumer report, and adjust account # XXXX to reflect the true and correct statement of account. Failure to comply with instructions within 5 days, shall result in a {$1000.00} responsibility per violation. Provide me with a copy of my new consumer report. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report from XXXX XXXX XXXX XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything on my credit report has to be 100 % accurate. 
the credit Bureaus stated that my account was properly investigated on numerous occasions. how could that be possible if for XXXX XXXX with account number XXXX the account number is different on XXXX from XXXX and Transunion, XXXX does not have an account type, the date open is inaccurate, the date last active is inaccurate, date of last payment is inaccurate and payment history is inaccurate on all three bureaus. 
Also, for XXXX XXXX with account number XXXX, the account type is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the term is inaccurate, the past due balance is inaccurate, the credit limit is inaccurate, the date open is inaccurate, the date last active is inaccurate, and the date of last payment is inaccurate. 
these are grounds for removal, and they also violated my rights under 15 U.S.C 1681 section 602 A, which states that I have the rights to privacy. 15 U.S.C 1681section 604 A, section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX
Product: Credit reporting 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.

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, oth
er 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX, and noticed some addresses and names that were incorrect. So I contacted Experian on their website and tried to dispute the wrong addresses and names. The website said I needed to send proof of residency and my ID. Which I did on XX/XX/XXXX. I sent a letter asking them to remove all other names and addresses from my credit report. I'm scared of Identity theft and if their addresses are receiving credit card offers in my name. We live in a crazy world. The tracking number for the letter I mailed to Experian certified USPS is XXXX. After mailing the letter, I waited 5 business days. Then I checked to see if the incorrect information was deleted. I was shocked that the incorrect information was still there. I had no problems from XXXX or XXXX. So I called on XX/XX/XXXX to see if they needed anything from me to remove the incorrect information, but they flat out refused to remove the incorrect names and addresses. So I decided I would give it a week or so and try again. So on XX/XX/XXXX, I called again to be told they will absolutely NOT remove any of the incorrect information. I have tried every avenue I can think of to get this problem resolved. According to 15 USC 1681 : I have not given my written consent to any person or company to put my personal information on my credit report. The incorrect Addresses on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The incorrect names are : 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. 
Please help me get these removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX writing this complaint regarding a dispute with Transunion. Without any influence from any third party. Attached documents and ID as it contains my full compliant and request.
Product: Debt collection

I received several calls from this company. I have had several medical Bill 's obtained in my name, credit cards obtained, a judgment filed against me but after I was made aware of it years later and my police report proven, the lawyer corrected it with the court. I have advised this company before filming with the XXXX that this debt is not mine. So here I will provide a police report when I was made aware of the identity theft. I do NOT owe this bill and am unaware of any hospital Bill 's in my name, AGAIN!!! I ma NOT refuting that the bill is due, just not by me. This is NOT my bill and I am disputing that. As a law office you should be aware of the many ways one 's identity is used. I do not care about an INVOICE, this is NOT my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$2500.00}