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

As a Federal Protected Consumer, I am writing to EXPERIAN AND BY EXTENSION TO XXXX AND XXXX to remove all personal private information and inaccurate account information from my credit report EFFECTIVE IMMEDIATELY. 

ENFORCEMENT- PURSUANT TO 15 USC 6805 - ( a ) IN GENERAL Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Criminal liability for willful violations. - 15 USC 1611 Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby revoke all Authorization, I the creator/ consumer may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802.

I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.

1 ) CHARGE OFF - Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - https : //www.irs.gov/pub/irs-pdf/p4681.pdf.

2 ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY MUST BE DELTED FROM REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED.

3 ) All Hard Inquiries must be removed as they are NOT open accounts and should be removed per 15 USC 6801, THE PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes. I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion.

4 ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following unauthorized inquiries on my credit report and they may be fraud related : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

After spending the last two days on the phone with chase fixing things with my account they decided to close it. I have currently {$10000.00} in the account and called bot today and yesterday to let them know per the deposit agreement I signed when I opened the account there is nothing in that agreement that states I have to wait for them to mail me a check and told them twice now that I would go to the close branch to get the remainder of my funds in the accounts at time of closing. Both times I went to the branch they have told me they never recieved those instructions and said they would mail me a check. This is beyond crazy and I dont understand how they can hold my money when I have said twice know I will go to a branch to get the funds. This has cost me alot of time that I dont have to waste being on the phone and going into the branch just to be told no. The customer service people are flat out lying to me on the phone and not doing what they say they are and I dont understand how they can or are getting away with this. They need to give me my money now and not keep telling me something they arent doing. Do not use chase they have very poor customer service and basically will steal your money and keep you from getting it which is super illegal I feel. Chase by choosing not to give me my monery is basically stealing from me and there is no document I signed that states when they close my account that I cant go to the nearest branch to get the remaining balance.
Product: Credit reporting or other personal consumer reports

Nelnet has been reporting over {$50000.00} in open loans to my credit report for months and months. Ive attempted to dispute this multiple times and they continue to say the accounts are open and active when in fact every single one has been transferred to XXXX and the balances are now XXXX. XXXX has even forgiven my loans ( see attached below ) yet Nelnet has refused to update my credit report reflecting this. Ive contacted Nelnet and they say theyve completed an investigation and that the accounts are still active when in fact they are not. Theyve been closed and transferred with a XXXX balance for over a year. I need help getting them to actually report the correct information to the credit bureau.
Product: Payday loan, title loan, or personal loan

I applied for a debt consolidation loan online through penfed.org. Once I seen that it was approved I was not happy with the interest rate so I didnt accept the loan. I noticed online it was listed as an open account under my accounts. I called and spoke with someone and was told that it was there for applying but since I didnt accept it the loan would eventually not show up. A about a week later I received a check in the mail for the amount of the loan I applied for ( {$18000.00} ). If cashed it would be accepting the loan terms given so I shredded the check. Today ( XX/XX/19 ) I received an email stating my loan payment was past due. I called the number attached in the email and spoke with a lady stating that if I got the check then I am responsible for the payment. I then asked how you can expect payments from me for a loan that I never accepted nor had access to the funds. She placed me on hold and when she got back on she stated she put in a request to have the loan cancelled and to call her back on Friday to make sure. At this point I as I am aggravated that she is expecting me to call back to follow up to make sure she does her job. I asked her if that is normally how they do business, she says I dont know I am just in collections. At this point I am searching for the Penfed location near me but only come up with a XXXX number. I decided to call that number to discuss what has happened. The gentleman on the phone was very rude and unwilling to help me. Stated that there was nothing he could do for if I didnt give him my social. All I was asking was their procedures. Then I asked how to file a complaint and he states online. I said ok online and then what? On our website under help and it will take you to a form. I hung up and was growing even more irritated. I finally found the number for the XXXX location and called to speak with a Manager there. She was really apologetic but doesnt take away from the fact that they underwrote a loan that I didnt accept. She stated that is how they do it not wanting to make the customer wait to receive their check for their loan and upset the customer. I asked who they reported to since they are a credit union. She told me her vice president and I then asked federally. She told me NCUA and I started there for my complaint. I want this to be known how they are conducting business and also want this off my credit report as a delinquency. How can they continue to be in business if this is how they treat their members.
Product: Credit reporting or other personal consumer reports

I never gave these companies permission to run my credit. these inquiries are a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXXXXXX XXXX ( XXXX XXXX ) in XX/XX/XXXX. However, I never received a bill and unfortunately forgot about the account until I discovered it on my credit report in XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX and explained the problem. They accepted payment for {$350.00} which was the original amount plus interest ( waived the late fees ) and told me that he account would be reported as closed and paid. My next credit report showed that I was still in " charge-off '' status in the amount of {$610.00} ( full amount plus interest plus late fees ) AND I now had an additional current balance of {$250.00} ( amount of the late fees ). I asked for a letter stating that the account was paid and closed. I will attach the letter they sent me. I have been unable to remove the " charge-off '' status or the " current '' balance of {$250.00}. The original charge was {$280.00}.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX XXXX am trying to get out of a huge amount of debt without filing for bankruptcy. I have requested a cease and desist from constant calls and email 's from Capital One on two accounts that amount to {$1700.00} in debt. The accounts are near charge off standards at 120 days late. Therefore, I respectfully request any settlement offers to come to me through my email address, or by regular mail. I will do everything I can to settle my bills and avoid bankruptcy, but I will file bankruptcy if necessary.
Product: Credit card or prepaid card

I received a Debit Card from Card.com and XXXX on XX/XX/2022 and I did not request this card. I have attempted to contact them via phone call at a few different phone numbers I got off their websites after searching these companies. I have not called the phone number on the card or on the paper work that came with the card. I have been unable to talk to a person at either company. I believe that I may be a victim of identity theft.
Product: Debt collection

I tried to explain that the person they are calling and sending letters to is a minor and wanted additional information about the validity of the debt and next steps. The gentleman in question spoke down to me rudely, and ended the call while I was still speaking. When I called back, the next person was also rude and didn't explain the situation very well. I asked for a supervisor to clear things up, and was put on an endless hold before the call terminated abruptly, with no one coming back on the line. The account number in question is XXXX. Again, the person on this account is a MINOR.
Product: Credit reporting or other personal consumer reports

To whom this may concern I have recently received my credit reports and noticed that an account was still on XXXX of my XXXX of my consumer credit reports, but has been removed from XXXX report I am writing this letter to dispute the following account : XXXX XXXX CARD SERV These credit agencies and this collection agency XXXX XXXX CARD SERV are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company XXXX are supposed to show proof of this account being verified which is required by law. According to XXXX ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete. This not happening was also a violation of the law. I do not consent to a computer-generated response nor the XXXX system, show valid proof.
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my Citi XXXX XXXX XXXX by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Citi card by the companies : XXXX XXXX, XXXX XXXX and XXXX charged last year between XX/XX/XXXX and now XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
Product: Money transfer, virtual currency, or money service

I signed up for Square Payroll services. 
{$100.00} was withdrawn on XX/XX/2022 from XXXX of my bank accounts and transferred to another XXXX of my checking accounts as a Payroll service. 
{$5.00} was charged on XX/XX/2022 for a service they did not allow me to use. 


On XX/XX/2022 the same {$100.00} was unexpectedly clawed back from my XXXX checking account without consent and without permission. It was not returned to my original bank account and no refunds have been issued. I have sent multiple emails to this company asking for my money back but they just have a bot respond without resolution simply telling me they have closed my account and the decision is final. They simply stole my {$100.00} and have not provided me anything in return. I did not authorize this company to dip into my checking account to take my money.
Product: Prepaid card

Reliacard/US BANK shut my payroll debit card off without informing me before they did so. Told me that the system does it randomly and they said it was BC of fraud. If that's the reason, that's not random. 
Now, I have no money. I'm late on bills, plus late fees for not paying on time. 
I called them. US Bank, and they wanted an ID card or DL, but I'm homeless and haven't been able to get it renewed. I sent them my expired DL and my SS card, but said they wouldn't take those after telling me they would. 
Now, I have to at least get an ID card, but that costs money and I can't access my account. 
I called them 4 times and sent the copy of the cards 4 times. Only to be told that wouldn't work. 
I'm frustrated, and I'm hungry.
Product: Debt collection

There has been an account reporting on my credit report this month that I have no knowledge of. I reached out to the company without any contract shown that I have between them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} 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

I have contacted Experian, XXXX  and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on the XX/XX/18 i went to PNC bank to pay my monthly credit card bill i was told by the bank representative that card i was using was discontinued so he was going to send me a replacement card. i tell him that's ok. two weeks later i received a letter from PNC bank saying i was denied credit because of low credit score, the letter came on XX/XX/18 i call the bank on XX/XX/18 to let them know i did not apply for any new credit they were supposed to send me me a replacement card for the one i had which the representative says is discontinued and i did not authorized him to run my credit score, and he didn't mention anything about my credit score we did not have that kind of conversation so it has to be a mistake. they apologize for what happen and told put it in writing disputing what happen and mail it to them, which i didn't.
Product: Student loan

Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus XXXX XXXX and XXXX
Product: Credit card

Citibank is calling and harassing me. I do not have an account with them and I told them that they have the wrong person. I asked them to remove my number and I was told that they would not do so. They are asking for a male, and I am a female. No males with that name live at this address. They are calling constantly. I called back and screamed /yelled at them because I was so frustrated with the calls. This phone number is in my name, not the person they are asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX