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

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXX *Account Number : XXXX
Product: Credit reporting, credit repair services, 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. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

pleasse delete this for my account XXXX XXXX {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and this creditor Santander ( NCB MANAGEMENT SERVICES ) is reporting inaccurate information on my credit report and refuse to remove this account off of my report. I have sent in all of the documentation such as the ftc report and police report to solidity the information they needed the amount was XXXX but now they are still reporting almost XXXX Dates are XXXX they claim till now XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Ive been receiving statements for a card I never applied. My ss is compromised which makes this card a fraudulent.
Product: Debt collection

On XX/XX/2022, my identity was stolen. The identity thief opened an account at XXXX and made purchases. Three of the purchased items were shipped to my home address. The identity thief opened a line of credit for {$15000.00} at CitizensPay to pay for the purchases which totaled {$1400.00}. I stopped shipment of XXXX item and a credit was issued for {$960.00}. CitizensPay is billing me for {$450.00}. CitizensPay has reported this debt to the Credit Bureaus. CitizensPay requested and I sent them the following documents 5 different times : Completed, signed, and notarized Identity Theft Victim 's Complaint and Affidavit ; Copy of my driver 's license ; Copy of Florida Power and Light Bill for period XXXX XXXX to XXXX XXXX, 2022 ; Copy of XXXX Police Department Report for Incident XXXX ; and, Copy of Federal Trade Commission Identity Theft Report # XXXX. 
CitizensPay has denied my claim 3 times. Accounts were opened at other banks including one that financed purchases made at XXXX. All other banks have identified these accounts as fraudulent and have closed the accounts. I requested that CitizensPay deactivate the account for {$15000.00} line of credit and they refused.
Product: Debt collection

on or around XX/XX/2021 i switched phone providers from XXXX  to XXXX. i called XXXX  to see my balance owed if any. i was told by a XXXX rep that they would send a return kit. return kit sent.. i did as instructed. was then told i owed {$150.00} to close account. paid {$150.00} case closed. wrong.. @ 4months later i get mail from diversified adjustment with no warning saying i owe {$150.00} and its on all 3 credit bureaus which i soon discovered. my credit score dropped an avg of 25 points across the board. XXXX  has since removed this following my dispute. but that can easily change. XXXX  and XXXX  wont allow me acess to my own credit file to dispute this ... despite repeated phone calls and even letters mailed. paying twice is a hard pill to swallow but for {$150.00} to benefit my family going fwd with the advantage of GOOO CREDIT RATING vs fair as it is now i would do it. but i need a guarantee that diversified adjustment services remove fraudulent charge FIRST. and if i dont do as i said in time for them to receive pay again from me they put it back on.they need to check and REMOVE all 3 bureaus. because at this point I dont trust them. Diversified Adjustment phone # is XXXX XXXX XXXX and im looking at the last letter diversified sent ... .will settle for {$79.00} ... just remove XXXX  and XXXX  and check XXXX  ( already removed ) and I will pay the whole thing ... ..AGAIN ... .at this point with the merger.. my grievance is with diversified
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit report under the Fair Credit Reporting Act ( FCRA ). The inquiry listed below was made without my knowledge or consent, and I demand its immediate removal.
Product: Checking or savings account

Called multiple times and told that there is no one to speak to and that the freeze would be taken off in XXXX hours. Been well past that and called again today and they claim they cant give me a timeframe and keep watching my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. I have never given my permission for any company to inquire about my credit status. Any inquiries made are unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act must be removed. 

-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: Money transfer, virtual currency, or money service

Cashapp has been experiencing outages. For over an hour, I had no access to send or receive funds. Nor could I use the funds in my account. When I attempted to speak with Customer Support, the website said it was no longer available.
Product: Debt collection

I received today  XXXX  a message from  XXXX   XXXX  from  NCR  he stated this is his second attempt to reach me in regards to documents if he does n't hear from me or my attorney he will come to my job  XXXX   (  which i have n't worked at in 2 years ) or find where I work at through the department of labor to have this matter handled at the property! I had till today to call him! I left a v.m to stop calling me and harassing me and I let them know I will be filing a complaint through the CFPB and the FTC because I believe this is the same company that stated I owed a online loan which I stated to them I didnt live in  XXXX  I ve moved to  XXXX  so now there threatening me to come to  XXXX  county.
Product: Credit reporting or other personal consumer reports

On XXXX  there was a letter sent to Transunion asking them to remove incorrect personal info that doesnt belong to me and is reporting to my credit report regarding. I have no knowledge about the information I listed. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account # XXXX XXXX  XXXX XXXX XXXX, has violated 611 15 U.S.C 1681i ( 5 ) ( b ) I disputed this item on XX/XX/2023. This item was deleted from my credit report on XX/XX/2023 file number XXXX. The account was added back on my report. However, you failed to notify me within five business days that this account was reinserted back onto my credit report and therefore is in violation of 611 15 U.S.C 1681i ( 5 ) ( b ) and you need to remove Account # XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I received a phone call on XX/XX/year> from phone number XXXX stating they were trying to collect on debt and i was bombarded with so much information that I did not get a chance to say much. I then requested that all information be sent to me in writing, so i can verify the debt. I was told since this account was sent to several agencies then she doubted that it would happen and since i requested this on a recorded line she had to hang up and good luck. Then on XX/XX/year> I receive a voicemail from XXXX stating I need to call this company to talk about my alleged account. An again On XX/XX/year> I receive another phone call from the same number XXXX after I distinctly requested they send all information in writing. Also, they sent an email with limited information.
Product: Checking or savings account

They closed my account and refused to allow me to pick my money up from a local branch. They have held my money and did not provide a clear date on closing or any information for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, XXXX and Transunion concerning the inaccurate information reported on my credit report by your company. I have sent a letter to each of the bureaus and the account came back verified by YOUR COMPANY. I want to know : how did you verify this inaccuracy? 

I have attached a letter to express of discontent. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 
Attached : A complaint letter, copy of my Social Security Card, a copy of my FTC report and Drivers License is attached for proof of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inq date XX/XX/2018
Product: Credit reporting or other personal consumer reports

The following inquiries on my report are unauthorized please remove them 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 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: Debt collection

Good evening, I am writing because of an ongoing dispute I am having with a collection of which I have not enough information, despite asking for this information on numerous occasions in accord with the FCRA, FDCPA and FCBA. 

The collection appears under the name Net Credit and is listed on my consumer credit files. All my disputes have been ignored and no such paperwork has ever been provided. It would make sense since this is not mine but the company refuses to remove it. i am asking for assistance in this matter. 

I am asking that this agency please assist me in correcting this wrong and holding this company to account.
Product: Checking or savings account

On XX/XX/2023 someone made a XXXX transaction for {$1700.00} from my accout that was not authorized l. I also had another XXXX transaction i did not authorize on XX/XX/2023 for {$1100.00} which they refunded on XX/XX/2023. But they refuse to refund the {$1700.00} claiming that I authorized the transaction. I have been in touch with XXXX and they have not current or pending transactions in theblast 3 months. But Chase bank is refusing to refund my {$1700.00}
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and noticed several collections that require clarification. Despite contacting the respective collection agencies, none have provided me with a contract or documentation proving my liability for the debts listed below : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX According to Section XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of debts upon request. Additionally, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report.

I request that the collections listed above be investigated to ensure compliance with federal laws governing consumer credit reporting and debt collection practices. Please provide me with written confirmation of receipt of this request and any documentation supporting the validity of these debts.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX dollars using the chase  quick pay feature. I was buying tickets that I never received from the seller. I contacted chase immediately as this happened and they were unhelpful and did absolutely nothing to help me. This happened on XX/XX/2018. Chase does not provide any safety to their customers and I feel like they could have easily helped me after this scam but they refused to.
Product: Credit reporting or other personal consumer reports

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the accounts XXXX XXXX XXXX XXXX XXXX. Furthermore, the disputed accounts were never verified, and XXXX and XXXX have deleted these accounts. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND GOLDMANS SACHS BANK CONTINUES TO RE-INSERT FRAUDULENT ACCOUNTS WHICH I HAVE SENT PREVIOUS PROOF OF THESE ITEMS BEING DUE TO IDENTITY THEFT. XXXX, XXXX AND GOLDMAN SACHS BANK CONTINUES TO REPORT THIS FRAUDULENT ACCOUNT AFTER BEING SENT PROOF AND NOT PROVIDING ME WITH ANY WRITTEN NOTIFICATION OR PROOF THAT THIS IS NOT IDENTITY THEFT. I WILL BE ATTACHING : XXXX DELETE LETTER OF FRAUDULENT ACCOUNT. 
MULTIPLE PROOF THAT THE ADDRESS GOLDMAN SACHS HAS HAD FOR THIS ACCOUNT IS FRAUDULENT AND HAS BEEN REMOVED/DELETED FROM ALL DATA FURNISHERS DUE TO FRAUD.
Product: Credit reporting or other personal consumer reports

I am reaching out to address multiple issues with my credit report, including incorrect account information, inaccurate and incomplete accounts, an unfamiliar collection, and billing discrepancies. Your assistance in resolving these matters is crucial to protecting my financial stability.
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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

I am a victim of Identity Theft and there is inaccurate unknown, employment, accounts and addresses that are not mine. These companies are also still reporting information on these closed charged off accounts. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I had a collection agency, Phoenix Financial Services ( " PFS '' ) place a collection account on my credit report for {$310.00}. The original creditor is XXXX XXXX XXXX XXXX " XXXX '' ). The invoice was for my son, XXXX XXXX XXXX, not me. We notified PFS and XXXX, however no change has been made to my credit report.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft due to Transunion failing to add security freeze to my account although I requested it multiple, pursuant to section 605B, you must remove fraudulent accounts and inquiries reporting to my account. I'm suffering punitive damages.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to formally dispute an inaccurate and fraudulent charge that has appeared on my credit reports with TransUnion, Equifax, and XXXX. Upon reviewing my credit reports dated [ Date of Credit Report ], I noticed that XXXX XXXX has reported a charge of {$500.00} on XX/XX/year>. I did not authorize this transaction, nor have I conducted any business with XXXX Mattress.According to the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent entry be investigated and removed from all three of my credit reports immediately. I have attached copies of my identification, a copy of my credit reports highlighting the disputed entry, and any relevant documentation supporting my claim.I kindly request a written confirmation that this matter is being investigated and that the fraudulent charge will be corrected or removed. Please provide me with a response within 30 days, as required by law.If you require any additional information from me to resolve this matter, please do not hesitate to contact me at the information provided above. Thank you for your prompt attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my XXXX XXXX  loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX  to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big three reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent XXXX, XXXX, and Equifax letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.