23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally request the removal of the collection entry on my credit report associated with account number XXXX which I am not aware of and I don't owe. The details of the account are as follows : Date of Collection : XX/XX/2024 Creditor : SEQUIUM ASSET SOLUTIONS, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that the information reported is inaccurate. I don't owe this debt.
Product: Checking or savings account

On XXXX XXXX 2023 try to make a purchase. my bank card was declined.there was {$4100.00} stolen out of my account. I call the bank that morning and spoke to a customer services XXXX was XXXX unauthorized charges mad in XXXX day. wells fargo refuse to return my money to my account. I have all the evidence in the world that someone got in my online banking account.the perpetrators changed my XXXX mail, my address my phone number. in my online account.they also put my debit card on their Iphone. which owned a iphon..here is my contact information please contact for more information. XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Information under Section 1681o - Civil Liability for Negligence Dear [ Creditor/Reporting Agency 's Name ], I am writing to dispute certain information on my credit report, which I believe is the result of negligence on your part in failing to comply with your duties under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. 
I have reviewed my credit report and identified inaccuracies that I believe were caused by errors or failure to properly investigate disputes as outlined by the FCRA. Despite my previous attempts to resolve this matter, it remains unresolved, and I am concerned that your actions, or lack thereof, have caused harm to my credit profile. 
Under Section 1681o of the FCRA, I am entitled to seek damages for any negligence in the handling or reporting of my credit information. As such, I request that you immediately : 1. Investigate the disputed items thoroughly, ensuring full compliance with all reporting standards set by the FCRA.

2. Correct any inaccuracies or remove any erroneous information that was reported negligently.

3. Provide me with written confirmation of the results of your investigation and any corrections made to my credit file.

4. Cease reporting inaccurate information that does not meet the legal requirements of the FCRA.

Please treat this letter as formal notice of my intent to dispute this information, and I request that you correct these issues promptly to avoid further civil liability under Section 1681o.

I expect a response within 30 days, as mandated by the FCRA. If this matter is not resolved to my satisfaction, I will consider taking further action, including seeking damages for any harm caused by this negligence. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The two following student loans are reporting as open with a balance. Accounts have been paid in full and are closed. My XXXX report has already updated the issue and I need these accounts corrected as it is inaccurate reporting. According to the FCRA 623 section ( b ) ( 1 ) ( d ) if the results of a dispute determination that information is inaccurate, then the furnisher must report the correction to all CRAs to which the information has also been reported. Please update the incorrect information as PAID AS AGREED with a balance of {$0.00}. 

XXXX : XXXX XXXX XXXX Account # XXXX Balance {$2700.00} XXXX XXXX XXXX Account XXXX Balance {$1700.00} TransUnion : XXXX Account # XXXX Balance {$1700.00} XXXX  Account # XXXX Balance {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2020, I disputed XXXX XXXX  ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX  requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has reported numerous unverifiable items on my consumer file, including addresses, phone numbers, email addresses, hard inquiries, bank information, and direct deposit details. These inaccuracies are deeply concerning, especially as I have been affected by national data breaches. The presence of this erroneous and unverifiable information is causing significant harm to my personal and financial well-being. I am requesting the immediate removal of these items from my file, as they violate my rights under the Fair Credit Reporting Act ( FCRA ) and pose a threat to my privacy and security.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX || Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Reference : # XXXX Hi XXXX, Thank you for reaching out to us in regards to the XXXX order you placed using Klarna. We are sorry to hear that you have an issue with receiving your items from XXXX. After reviewing your order in our system XXXX issued a refund totaling {$100.00} on XX/XX/2021 which we in return issued to your card on XX/XX/2021. If this is the cost of the goods you were missing and you do not see the refund on your bank statement please give us a call at your earliest convenience so we can help further. If this is not equal to items you are missing please give us a call to start the dispute process so we can assist you further. Klarna customer service can be reached at ( XXXX ) XXXX. We believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us by phone at ( XXXX ) XXXX from XXXX XXXX, Monday - Friday, or via 24/7 chat at www.klarna.com/us. 


Re : [ # XXXX ] Supervisor Follow-up From : Klarna ( XXXX ) To : XXXX Date : Thursday, XX/XX/2021, XXXX XXXX EDT XXXX XXXX, I understand that you have contacted them to provide more information for your dispute and I am able to confirm that our Disputes team has reached out to the merchant for further resolution. I hope this helps! 

For any other questions or concerns, please don't hesitate to reach out to our Customer Service representatives by chatting with us at www.klarna.com. Our representatives are available to help, 24/7. 



Have a great day! 

I have not received any response on this exhuasting issue of items I clearly returned and I want to get my credit Please.
Product: Consumer Loan

I have been trying since XXXX 2016 to get my deceased husband 's name removed from our joint contract with Nissan Motors Acceptance Corp ( NMAC ). I have documented numerous calls to NMAC, have sent all requested forms to them as instructed, and have made follow-up calls to check on the progress of the change. As of today, XXXX XXXX, NMAC has still not initiated the requested change. 
In the meantime, I ca n't get anything done regarding the financed vehicle, including renew the license plate. As of XX/XX/XXXX, I am illegally driving with an expired tag. I am a widow, have nobody else to drive me and do n't have an alternate vehicle to drive. I am desperate. 
In an attempt to escalate my complaint, I contacted XXXX XXXX Consumer Affairs on XXXX XXXX. Today, I received a callback from them. They claim that they have no affiliation or control over NMAC, and therefore ca n't help me. 
I have exhausted my efforts to get this resolved. NMAC has complete control over this horrible situation and is exhibiting no concern for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # XXXX, has violated my rights. 

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

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

I have purchased a diamond ring for a {$570.00} and promotional 0 % interest for 6 month beginning XX/XX/XXXX. After that i purchased a pair of diamond earrings for a price of {$900.00} and 0 % promotional period for 12 months beginning XX/XX/XXXX. Every statement from the Comenity Bank - Zales Jewelers showed 2 separate plans and dates and amounts needed to be paid off to avoid paying accrued interest. I have paid off first plan ( 6 months long ). My mistake was that i didn't pay attention to exact date, was late few days and accrued interest was added to existing balance. I am not disputing this. Payment I submitted was enough to cover payoff amount plus minimum payment for XXXX of XXXX. 
Adding {$71.00} apparently was not enough for this greedy bank. Next month statement suddenly changed payoff amount on second plan and started charging monthly interest on remaining balance. I have contacted bank on 3 separate occasions to resolve this. Once they run out of arguments, they simply hang up. One rep even told me that their system doesn't know when you submit payoff amount to which plan to apply payment. 
Until now they charged me {$33.00} interest on 0 % 12 month plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

They charged me fees for my debit card and credit card every month even if i pay my payment at the time or not they still charge me, and always my credit card limit always, and I talked to them about it and theyre not make any sense and justified
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name :XX/XX/XXXXXXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information, along with my wife 's, has been compromised in the Equifax hack of 2017. I have since had to spend time creating credit fraud alerts with all 3 major credit bureaus. I am also in the process of freezing my credit on all 3 major credit bureaus, some of which require me to pay for such an action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and XXXX  and 3 XXXX XXXX  accounts about the problem. I sent proof over and the bureaus are still reporting the accounts. XXXX and XXXX says the account is in good standing and Trans union says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. XXXX and XXXX Inqiry on Trans union need to be removed. These accounts need to be blocked and removed, i called these companies several times and these need to be permanantly removed for fraud. Trans union and XXXX claim to not have gotten all of my documents that I sent over and I got tracking numbers from the usps and receipts and no one is helping me at all. How are these things on my report when the fraudsters went to jail, im so confused.
Product: Credit reporting or other personal consumer reports

Once more, I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. This is my new complaint to dispute the items in my credit file which resulted from an inaccurate credit reporting. Again, Im sending over an XXXX XXXX Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an inaccurate credit reporting, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an XXXX XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Checking or savings account

I contacted  XXXX  by phone and they are refusing to allow me to access the money credited to me by  XXXX  currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means.
Product: Checking or savings account

I was banking with USAA. Last month in XXXX there was fraud on my account. The bank because of this has decided to close my account indefinitely. From my job I have my paychecks direct deposited. I had a check of XXXX direct deposited back on XX/XX/XXXX. I was advised at first that I would not receive these funds for another XXXX days. I quickly contacted my employer to have then stop the direct deposits immediately and to send a paper check until I can find another bank to bank with. They forgot to stop the direct deposit and USAA received another direct deposit last Thursday of XXXX. I contacted the bank and advised that my company will recall the payment so that it then could be mailed to me. The person I was speaking advised that they were still showing a pending status on the funds and recalling the check would be allowed and then a paper check will be able to be mailed to me. Fast forward to today I noticed that the check that was supposed to be recalled is still sitting in my bank account. I called Usaa and spoke to several people and they are all telling me that because my account has been closed they will not release that money back to my employer so that I can be paid. They again advised me that I will NOT receive any monies for another XXXX days. The account has been closed with money in the account and now with my money sitting in an account that can not be used all of my bills are going to be beyond late and I will encounter late fees. Hopefully someone will be able to help me get my money back. USAA XXXX of their employees even told me to seek help from the Government to pay my bills while my money sits in their establishment. 

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

One all 3 credit reporting agencies are reporting different information for my current school loans. All three 3 reporting agencies are reporting different names for my XXXX loans, XXXX is reporting it as XXXX, XXXX is reporting it as XXXX University, and Experian is reporting it as XXXX, this is all inaccurate! the loan for {$11000.00} some show XXXX XXXX monthly payment, some shows deferred, this is also inaccurate reporting for all 3 reporting agencies, for these 3 loans they all have the same account number so how is 2 of them in good stand but the third is in two reporting agencies it states collection and the other charged-off, again inaccurate reporting! this doesnt even make sense Ive never received bills but even so I am a full time XXXX student they all should be in deferred status anyway and according to the government students are in repayment status yet! Again how are loans for XXXX and XXXX in good standing but the loan for XXXX in collections? Its the same account for all 3 loans and a deferment doesnt belong in collections! I want this immediately corrected, this is ruining my credit and cause me distress as I am trying to learn to save lives I have enough stress with school! Also the highest balances are reporting lower than the balances this is also reporting inaccurately, do they even check this information before just putting it on people credit reports? Many unlawful violations are on my credit report pertaining to these loans and according to 15 USC 1681a Deinitions of Rules of Construction ( 2 ) Exclusions transactions meaning payments are a form of transactions whetted o time or late should not be reporting on the consumer report anyways so these 3 credit bureaus are breaking consumer law!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Information in Credit Report Dear Sir or Madam, I am writing to dispute the following information in my credit report issued on. This item is inaccurate and incomplete, and I am requesting its removal or correction under the Fair Credit Reporting Act, 15 U.S.C. 1681i. I want reported accounts removed from... 

1. Equifax 2. TransUnion 3. Experian 4. XXXX XXXX **Issue** : Credit Reporting Please investigate this matter and delete or correct the disputed item as soon as possible. Furthermore, if the reporting agency or creditor is found to be negligent or noncompliant in verifying this information, I reserve the right to seek remedies under applicable laws regarding similar liabilities. 

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

XX/XX/XXXX I provided information proving to Experian that the information on there account was wrong and they refused to correct it. XX/XX/XXXX I also reached out the the actual company themselves and they also refused to change it send any paperwork validating the debt and gave a vague response back not indicating weather or not the situation was going to be cleared up. I want Experian to be held responsible. It's their job to make sure information is accurate. 
XX/XX/XXXX I got an alert and a bunch of phone calls from XXXX XXXX. Then I checked and saw searched online and saw it was my old XXXX XXXX that I opened in XX/XX/XXXX my loan balance was {$2400.00}. I got an alert on my credit XX/XX/XXXX that XXXX  XXXX  XXXX XXXXXXXX XXXX stated I have a balance of {$3300.00}. Which wasnt my loan amount. I was told by XXXX XXXX in XX/XX/XXXX that if I lost my job they would close the account as long as I was making payments. And I showed closed for years. Now I get this XXXX XXXX XXXX XXXX  notice. I sent XXXX  XXXX  XXXX  a letter XXXX XXXX asking to validate the debt and to validate the information was correct and I never heard back. But a vague response that didn't correct anything. Theyre trying to charge me for a loan that was told to me was closed and the loan amount isnt even correct. They never responded to my letter.
Product: Credit card

Ollo credit card was bought out by Ally Credit Card. I was supposed to be able to log on and create a new profile and open the on line account. This transition was on XX/XX/XXXX. I have been trying to get customer service to resolve this issue but as of todays date they have not. I continue to get messages that my information dose not exist. The only way to see my balance is by logging into the old account ( Ollo ) and am able to at least see my balance. I have no way to check my account except by phone.
Product: Credit card or prepaid card

XX/XX/23 received letter stating account is closed XX/XX/23 called customer service line. Spoke to rep, who asked her supervisor if it could be reinstated due to the fact that my account is active and positive. She was told no. I asked to speak to supervisor and was placed on hold for XXXX hour. 

XX/XX/23 After hold I spoke to XXXX ( ID XXXX ) who said that they " don't have a procedure for disputing account closure. '' He was unwilling to listen to my specific circumstances because he did not have the authority to override the system. Later in the conversation, he mentioned that I had an option of " sending in a formal complaint to the general system, '' but warned me that " the answer would still most likely be the same. '' He said that his XXXX 's name is XXXX, but when I asked to speak to her, he said " that would be no. '' He offered to transfer to another XXXX at his same level, and I accepted. I was placed on hold for XXXX minutes. 

XX/XX/23 Spoke to other supervisor who listened to my concerns and said she would have her supervisor call me back within XXXX business days. 

XX/XX/23 Posted on social media sites. Received response on XXXX requesting that I private message them my phone number even though the message feature is XXXX on their account. When I plainly stated that it is XXXX, they stopped responding.
Product: Credit card

Purchase date XX/XX/2025 Purchase amount {$3500.00} Seller info XXXXXXXX XXXX Remaining balance {$3300.00} I filed a claim with PayPal regarding this matter and they denied the claim. I was told I needed proof that it was not delivered. I contacted the seller and although XXXX tracker says the items were delivered, the photo they attached shows that nothing was on my front porch. The seller wrote a letter to PayPal stating that is clear from the proof XXXX sent that there was not anything on porch. PayPaXXXX received the XXXX phots, the letter from the seller and the police report number. Yet they still refuse to credit my account. XXXX from PayPal states that the item I attached, and photo was not enough proof. I continued to ask what more is needed. She stated that the seller has nothing to do with the shipment, the photo from XXXX means nothing because they printout says it was delivered. The seven boxes may have been delivered but it was not at my house. The proof is in the picture that XXXX attached to their response.