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

XXXX XXXX, I want to be removed as authorized user on the attached credit card. 

I want the entire credit history removed from my Experian, XXXX, and XXXX credit reports. 

I do not want anything showing on my credit reports as pertaining to this card. 

Attached are : - written complaint - screen shot of where it shows on Experian - drivers license - social security card - proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It  May  Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  E  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX  COLONY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  To Whom It  May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) listed b elow are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15 U.S.C. 1681i ( a ) ( 5 ) ( A ) (  i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I re quest that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the it em ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the ab ove requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Accounts have been paid in line with requirements by the creditor also some of the purchases were by ex-spouse and one was a fraudulent charge on my XXXX  XXXX  XXXX.
Product: Credit card or prepaid card

This is my third complaint against usbank credt card, after trying to reach a payment agreement unsuccessfully several times. This financial institution tries to manipulate the minimum payment with increments of the APR without control, changing the terms in its way so as to affect the consumers that like I have been paying for my account for a long time and suffering overdrafts due to the indiscriminate increase of the minimum payment Without prior notice by mail, from my second complaint on  XXXX   XXXX ,   XXXX   this institution sent me the change of terms by mail to cover up their mistakes so far. For me it has been a great nightmare to have fallen into the deception on the part of this " misleading offer of credit '', for which the consumer can not pay and then his credit is damaged.   I ask once more to take this into consideration since it is difficult for me to reach an agreement with this the poorest financial institution I have ever known in my life, and I do not want others to happen to it. My  XXXX  accounts are closed therefore I do not have to pay any membership, besides that must be subject to the lowest APR that I had, in order to have a formal agreement and not abusive payment.And I want to remember that I asked that my accounts be closed years ago to take me to the lowest interests and without any type of membership or additional collection Sincerely  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to Portfolio Recovery regarding two accounts that appear on my report for the amounts of XXXX and XXXX. They were placed on my report XX/XX/XXXX and XX/XX/XXXX, respectfully. I've made contact via certified mail on numerous occasions, requesting hard proof that these accounts belong to me and their only response each time has been sending me copies of billing statements. They've sent nothing that has my signature or tying me to the accounts I am questioning. I've stated I have no knowledge of these accounts, but their reply has been the same on at least four occasions. My most recent letter stated to them that I would file a complaint for not sending me the proper information. They have yet to comply and it's drastically impacting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

add : XXXX XXXX XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.
Product: Debt collection

CKS PRIME INVESTMENTS LLC, Was sent a certified letter of validation on XXXX 2022, on XXXX 2022, CKS prime investment LLC received the letter of validation. See attached documents with certified receipt. According to the fair debt collection practices act I have the right to request validation of the debt the collections allegedly say that I owe. However CKS prime investments LLC has refused to validate your collections account information but is still reporting to credit bureaus on the collections account without validating the account in question on my credit report. The validation letter requested information that is vital to be validated based on my whole life has been exposed over the Internet the agreement that bass the signature of the lead that needs to also be included in the validation of this account. But CKS prime investment is refusing to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

Financial Institution Fraud Orange Coast Title On XX/XX/XXXX the Orange Coast Title company along with XXXX XXXX made an Unauthorized Wire transfer to my XX/XX/XXXX Mortgage Loan Account for {$280000.00} My XX/XX/XXXX Mortgage Loan Account does not have a Successor in interest and I am the sole borrower on this Account My XX/XX/XXXX Mortgage Loan Account has nothing to do with aXX/XX/XXXX XXXX XXXX Forclosure that took place in XXXX. Monthly Payments to my XX/XX/XXXX Mortgage Loan Account continued uninterrupted before, AFTER and during the XX/XX/XXXXXXXX XXXX Forclosure. 
XXXX did not issue a demand for payment from the Orange Coast Title Company
Product: Credit card or prepaid card

I purchased a bike that I saw on XXXX ad. I purchased it on XX/XX/2021. I know that with Covid-19 shipping has been slow so I waited until the XXXX of XX/XX/2021 and because I did not receive the bike by then I filed a dispute with my card company. They put a hold on the payment until they did an investigation. A couple weeks went by and they sent me a letter stating I was responsible for the payment. I still haven't received the bike. I sent them pictures of the ad I had, the company I ordered the bike from And yesterday I checked the site and found out it was a scam/a fraudulent site. Which I sent them this information as well. But they refuse to reopen my dispute which a payment is due on the XXXX of XX/XX/2021 ...
Product: Debt collection

I have no debt currently in collections. Back in XXXX of this year I received a phone call saying I had a debt from XXXX for {$6000.00} and they were offering a half off to settle the debt. They had my full name. I did not provide any personal information but did verify that they had my name correct. I was confused since I currently have a Chase VISA that had a {$6500.00} balance but I was current on payments and had never been late. It dawned on me that this was possibly from an old XXXX debt I had in XXXX  that was charged off and no longer owed. I quickly told them this was no longer owed and to stop calling me. 
I dont know if they have tried to call back since I have not answered unknown numbers since then and no voicemails since I leave my voicemail full ( due to other personal reason and not this in particular ). People I know only leave text. A few days ago I get the following text with the same amount so this must be the same company. This may be  a scam or a collector that purchased a very old debt in hopes to still collect ( I heard this is possible ). Since I advised them not to call they should not be texting me either. 
( my full name was here ), My name is XXXX XXXX from BHA Services you have a past due bill from XXXX. # XXXX. Balance Due : {$6000.00}. I can settle your account for {$3000.00} During this time we are working from home socially distancing, trying to keep the economy moving, we have offered you a 50 % reduction of your bill, when can you make your next payment? 
BHA SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX XXXX PhoneXXXXExt XXXX Webwww.bhabillpay.com here is our contact info.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX  XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today  XXXX   XXXX ,  XXXX , TranUnion shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of  XXXX   XXXX ,  XXXX .     I have received no bills, and have no idea what this is for. I have confirmed with the  XXXX   XXXX   XXXX  at  XXXX  that I owe no balance to them. That all charges that would appear as  XXXX   XXXX  have been paid and no balance outstanding since  XXXX .
Product: Credit reporting or other personal consumer reports

More than thirty days have passed since the letter was sent to Transunion regarding the dispute involving XXXX XXXX XXXX. The letter is attached showing the details of the dispute. According to USPS tracking the letter was Delivered XX/XX/XXXX, and I received notification about the dispute starting XX/XX/XXXX. Today is XX/XX/XXXX. 34 days have passed since the delivery and 31 days have passed since the email was sent to me, stating that the dispute was received. XX/XX/XXXX I sent in a complaint because I was led to believe that the investigation for this dispute was done and I just had not heard the results back, however Transunion responded the next day on the XXXX and said they were still investigating the dispute. We were still within the 30 day period, so I just stayed quiet for the last almost two weeks. But It is now after 30 days, Transunion is pretty much the only one that still has yet to remove the account, XXXX and XXXX have worked pretty expeditiously, so it's all up to Transunion now.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are not mine Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is another complaint that I am a victim of fraudulent activity and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any items in my credit file that resulted from an alleged fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$540.00}. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are a mystery to me.
Product: Student loan

On or about XXXX XXXX, after reviewing my XXXX XXXX credit report I noticed many erroneous information about an alleged debt that i owed XXXX XXXX XXXX XXXX XXXX ), so I disputed the allege debt with the XXXX XXXX credit reporting agency. About 30 days later XXXX XXXX mailed me a confirmation letter deleting the alleged student loan that I owed XXXX. I was delighted for a brief moment ; On or about XXXX, XXXX I requested for my annual free credit report from all XXXX major credit reporting agencies ( XXXX XXXX, XXXX, and XXXX ). When I received all of my reports, all XXXX listed the alleged debt owed to XXXX as permanently deleted from my credit report ; but now they listed a third party interloper as the Original creditor ( Sallie Mae/XXXX ). So on XXXX XXXX, XXXX I disputed the false information by sending XXXX XXXX credit reporting agency a notice of proof of claim of the alleged debt owed to Sallie Mae/ XXXX. Within thirty days XXXX XXXX purported that the alleged debt was verified and/or validated by a Sallie Mae representative. On XXXX XXXX, XXXX I contacted Sallie Mae student loan department and spoke with a representative about my displeasure of having there company list fraudulent information on my credit report with validating the allege debt. The representative requested some personal information about me, so she could search for any information on me in there system. After a few minutes the representative stated to me that there is no information about me in there system, thus to contact XXXX ; so I conceded. I instantly contacted XXXX and spoke with a representative, I gave the rep. my private information the matter and within a few moments the rep. stated that they had no information about on this alleged loan. Therefore, I personally called XXXX XXXX to speak with a rep. they stated that they would look into this matter further and file a direct dispute on my behalf in 10 days, so far I have not heard anything from this private-for-profit corporation which is not part or affiliated with the United States government. Nor is this 3rd party ( fictitious ) interloper has any wet-ink signatory binding a bilateral agreement.
Product: Debt collection

I am a victim of identity thief. 
My identity was used in XX/XX/XXXX for a payday loan with MM finance , LLC EZ money check cashing. 
I have submitted a claim through the federal trade commission at XXXX 
I also contacted the attorney who I disputed the case with because I was improperly served court papers. I did not receive any documents about the court case or I would have shown up and plead my case because this is not my debt. 
Due to improper servicing I am now being garnished for a debt that I am a victim of identity theft on. 
The attorney XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX ) Has been sent documents by me by certified mail on XX/XX/XXXX. 
As of now, XXXX XXXX XXXX XXXX is in violation of consumer law codes that they were provided with the certified letter that was sent to them.
Product: Credit card or prepaid card

XX/XX/2022 I was alerted by XXXX that " my credit card '' application was under review. I did not apply! My information was released by Key Bank XX/XX/2022. The Bank offered credit monitoring, which I already have in place. When I called them to advise that I didn't apply, but wanted them to correct the 10 dark web locations my details had surfaced. They offered another credit monitoring service. I advised I was looking for payment of services to clean up/ delete and remove my personal information from the web that had been leaked by them. They advised not an option. It's $ XXXX per XXXX website XXXX 

I did call XXXX credit card XXXX, Key Bank and XXXX to advise of the fraudulent use of my information to attempt to open this account.
Product: Credit card

On XX/XX/year> my XXXX XXXX was not working. I looked up the phone number for XXXX XXXX ( XXXX ) and started to speak to what I thought was a XXXX XXXX representative. He told me he needed to verify me and to go to my phone and add an app so he could walk me through how to log into XXXX XXXX. I ended up creating another XXXX XXXX account. I was back and forth on my phone and the TV while he said he was having trouble verifying me. Eventually he had me go to my wallet as part of the verification saying that he was trying to verify my address. I started to see transactions that were going to my XXXX XXXX  card and immediately being cancelled. Then there were transactions that werent being cancelled. At no time did XXXX XXXX  card notify me that this activity that was clearly out of my typical spending was occurring!!! The dollar amount for these transactions are {$XXXX}!!!! At the same time a {$XXXX} transaction was being attempted on my XXXX XXXX  credit card and I immediately said it wasnt me and the transaction did not go through, my card was cancelled and I was issued a new one. The transactions on the XXXX  card are for XXXX XXXX XXXX. I do not currently or never have had a account with XXXX. One of the representatives from XXXX told me to contact XXXX myself to dispute the charges but could not provide me with a phone number, only their website. When I went onto the website it said I had to log in or create an account with them which I most certainly will not. I have disputed these charges twice now and have repeatedly asked to be connected to the Credit card XXXX office or given the phone number and my request has been denied. I need these charges to be taken off!! My XXXX  and I are on a fixed income, my XXXX   is XXXX and I am XXXX XXXX XXXX. Please help us. The only reason I have this XXXX  card was to finance my XXXX watch with interest free payments. I never used the card other than that.
Product: Debt collection

On XXXX, XXXX, I had a XXXX XXXX in XXXX, CA and visited XXXX XXXX. It's been 7 years already and I do not even remember the exact dates now. XXXX from Cedars Business group called me and asked me to pay {$2700.00} medical debt. I asked her to provide me with the documents related to debt. The documents which I have received refer to a medical bill from XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX group and they told me that they already waived my debt and their is {$0.00} on my billing since XX/XX/XXXX. 
This collection agency Cedars Business Services has put {$2700.00} on my XXXX XXXX and reported to credit bureaus and ruined my credit score in XXXX. They have unscrupulous business practices, XXXX gave me a date of XXXX XX/XX/XXXX for visiting XXXX XXXX XXXX but I have never been to XXXX XXXX XXXX in XXXX. Well, If I do not owe any kind of bill who gave right to Cedars Business services to ruin my credit? If original creditor told me that their is no bill and it's already waived off to {$0.00} in XXXX, who gave right to Cedars Business Service to charge me for a waived off bill after XXXX years. This is violation of fair credit rights and justice should be served by taking actions against Cedars Business Services.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : AUTO LOAN ( XXXX XXXX OPENED XXXX BALANCE XXXX ), CREDIT CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following inquiries are not recognized and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX