23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a fraud alert placed on my credit report. At the time, I didn't recognize any fraud reported so I requested that the credit bureau remove the fraud alert. They gave me grief and continued to say they would remove it yet they have failed to do so. I've been calling and writing letters to remove the fraud alert for the past couple of months. 

I figured that since they have failed to comply with removing the fraud alert per my request, that I would request that they add my phone number so that way if I do apply for credit then the company could call me and I could verify my identity. They have still failed to even do this. 

I'm in the process of trying to purchase a vehicle and this is the only thing holding me up. The dealership runs my credit every couple of days as the credit bureau said it would take 24-48 hours to update on my credit report, yet it still hasn't. 

At this point, this has gone on far too long. I need help and assistance to get the fraud alert removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported our dismissed bankruptcy without prejudice to the three credit bureaus, even though they did not obtain this information directly from the courts ( listed as the " Creditor '' ) There is no " creditor '' in this case as no activity occurred whatsoever regarding this case. Credit bureaus are advising that this will be on our report until XXXX  even though no product or service was ever rendered to or by us by anyone or any business at all regarding this case. How can a 3rd party reporting service report a case of owed credit that does not exist? Would that not be considered fraudulent information? 
We have contacted the court, who has let us know that they neither report XXXX verify this information, so the credit bureaus saying they verified the information as accurate can not possibly be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Date of Birth : XX/XX/1993 SS # : XXXX To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

****** XXXX XXXX XXXX XXXX XXXX Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect *** XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect *** XXXX XXXX XXXX XXXXXXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect ***XXXX XXXX XXXX XXXXXXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Inquiries : ***XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not request the companies listed above to access my credit report. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

XXXX XXXX {$150000.00} requested transfer to local XXXX XXXX, at which time Chase Bank froze the account and has been virtually impossible to contact or deal with. Not to mention very rude, discourteous, and even disconnecting phone conversations .To this date of XX/XX/XXXX, have been unable to resolve.Our attorney and banking representatives that we do business with have advised and stated Chase bank has no legal rite to do what they're doing.They were supplied with documentation needed to proceed.This was an account that I was The second signature and the individual that was the first signature passed. Death certificate, copy of will given to no avail.Attorney commented that it wasn't necessary as I was clearly second signature and owner of the account to dispose of as I wish.I feel totally helpless and severely discriminated as a Veteran to have this banking company to be able to have this type of control without a resource for solution for any individual doing business with them
Product: Debt collection

IT WAS STOLEN XXXX MY PERSONAL INFORMATION WAS STOLEN, I NEVER HAD BUSINESS WITH THESE XXXX COMPANIES XXXX XXXX MCU HOLDINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT HAS ALREADY BEEN REPORTING TO THE POLICE DEPARTMENT FOR FRAUD.
Product: Debt collection

Experian, XXXX, XXXX Things on my credit report I did not authorize and didnt signed for, neither one of non-credit bureaus have allowed things to damage my credit score. 

Child support Credit Type Open Account Open Since XX/XX/XXXX Ownership Individual Current Balance {$520.00} Highest Balance - Remaining Term 48 months Monthly Payment - Loan Progress Youve paid off {$0.00} of your Loan. 
{$0.00} Highest Balance : {$0.00} Payment Details Last statement - Last payment XX/XX/XXXX Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX Phone Number XXXX XXXX, XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$1200.00} Monthly Payment - Original Creditor XXXX XXXX XXXX XXXX XXXX  Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone Number XXXX Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance {$1000.00} Monthly Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, SC XXXX Phone Number XXXX This debts I never signed for or authorized in anyway by my ( signature ), I need to see every one of these debts with my signature on it.

15 USC 1681 ( a ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

28 USC 1746 18 USC 8
Product: Student loan

1. Navient made predatory loans to students attending schools with graduation rates of less than 50 percent, expecting students wouldnt be able to repay their loans.

2. Navient used a baited hook with subprime loans to become a preferred lender for many schools and increase its volume, even though it knew subprime student loan borrowers would likely default.

3. After the implementation of income-driven repayment ( IDR ), Navient knowingly steered borrowers toward forbearance instead of counseling them about more affordable repayment plans.
Product: Credit reporting or other personal consumer reports

Navient account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the Navient account ( Account Number : XXXX ). The report lists a balance of {$2200.00}, balance updated XX/XX/XXXX, original balance of {$2600.00}, paid off 14 %, XXXX XXXX monthly payment, account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, terms 300 months, status open, and responsibility individual. The payment history shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Debt collection

Subject : Dispute of Charge-Off Under 15 U.S.C. 1666b Dear, Consumer Financial Protection Bureau I am writing to formally dispute the charge-off listed on my credit report under the provisions of the Federal Truth in Lending Act, specifically 15 U.S.C. 1666b, which provides consumers the right to dispute billing errors. 
The account in question is : Creditor Name : [ Jefferson CapitalLL ] Account Number : [ XXXX ] Amount XXXX Date of Charge XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC identity theft report and police report and submitted to the credit bureaus because there are four fraudulent accounts and Experian is refusing to accept my FTC report. They claimed the format was wrong. However I printed it directly from the website. I contacted the FTC today who confirmed there was nothing wrong with my report that it is just like the others they see every day. They suggested me file a complaint because its a legal document. The attached document is the same that I have provided to Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.
Product: Credit card

Our Macy 's American Express Account Statement for the period ending XXXX XXXX, 2015 included a charge ( Transaction Date - XXXX XXXX, 2015 ; Posting Date XXXX XXXX, 2015 ) for the XXXX XXXX XXXX, XXXX ( XXXX? ) for {$24.00}. I have never been to XXXX, AL ; Ihave never dealt with the XXXX XXXX XXXX ; this is NOT my charge. I reported it to Macy 's American Express, to the XXXX ( XXXX ) Police Dept. [ CR : Det. XXXX XXXX XXXX ] and to the Macy 's Amer. Exp. Fraud Dept. ; all were notified on XXXX XXXX, 2015. I paid the {$310.00} bill minus the {$24.00} fraudulent amount. Our Macy 's XXXX XXXX XXXX ending XXXX XXXX, 2015 still lists the {$24.00} charge plus {$2.00} interest [ Total : {$26.00} ]. Ihave notified all XXXX major credit bureaus and established Fraud Alerts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.
Product: Debt collection

In XX/XX/XXXX I canceled my phone bill. I have never been contacted since then to be advised of any outstanding balance. On XX/XX/XXXX I found a collections account on my credit report by GC Services for {$370.00} that was placed on XX/XX/XXXX. GC Services stated they received the account being past due in XX/XX/XXXX ( less than 90 days from cancellation of account ). I contacted the phone company and paid the balance in full. The phone company advised they would have GC Services remove it from my credit report as a collections account. 

As of XX/XX/XXXX I contacted GC Services directly to request them to remove it from my report. They are refusing to remove it from my credit report as they claim that they attempted to contact me numerous times and always got voicemail and never a response by mail after mailing letters in a white unmarked envelop. 

As of XX/XX/XXXX I never got any notification from them and I never received any type of Certified/Signature mail to ensure receipt.
Product: Credit card or prepaid card

We have a Citi Costco Anywhere Visa card which provides cashback at various levels for different spending categories. While it's often easy to understand how each transaction falls into a reward category, it isn't always clear. Citi does provide details regarding each transaction 's spending category, which should correlate with the applicable reward category, but they don't make this explicitly clear. Whenever we have a question about how a specific transaction is categorized for reward purposes, we find that information is not available. Upon seeking assistance from Citi, via both chat and phone, support agents were unable to provide transaction category details. One agent commented that they could only provide the information to the primary cardholder ( I'm the additional cardholder ). Although unconfirmed, I'll accept this interpretation for the moment, so I asked for a copy of the account terms and conditions ( T & Cs ). I asked if the information was available on the website or if it could be sent to us. After spending over 30 minutes on the phone with Citi customer support ( and getting transferred a couple of times ), I had to give up. Citi was unable to provide a current copy of account T & Cs, either online or via regular mail. That seems wrong and a financial services company should be able to provide the terms upon request.
Product: Credit reporting or other personal consumer reports

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Product: Credit reporting or other personal consumer reports

I had an unknown remaining balance with XXXX XXXX when I moved sent it to a 3rd party. I contacted the 3rd party to handle the debt and it was paid beginning of XX/XX/year> BEFORE it was even placed at the 3 bureaus. It is on my credit card statement where i paid the monies through my XXXXXXXX XXXX. Well In XXXX all 3 bureaus reported a {$0.00} balance for a paid off account that was handled before it was placed to them!! It was a mistake on the collection agency. After speaking to the supervisor at XXXX they apologized and sent a letter a few days later of how they would rectify the situation requesting deletion from 3 bureaus. Equifax is falsely reporting the mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received a phone call and letter in the mail ( dated XX/XX/21 ) from Cedars Business Services. They state that I owe {$1700.00} from XXXX credit, however I do not have a credit card or account with XXXX. I contacted XXXX, and there is no record of me having an account with them. I have not contacted Cedars Business Services, as this is a fraudulent debt collection attempt.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX. Today I would like to write a complain about my problem. I lost my wallet and lost XXXX XXXX credit card. When I discovered 2-3 days later and called to disputed all of them with the wells fargo XXXX XXXX bank XXXX then couple of days later I received a letter that they responded to my case with a DENIED status. Then I called and asked about it, the bank told me and gave reasons are : First, the merchant verified your personal information, which include name, address, phone number, email, card expiration date. Second, Why did you call and report it in two days?. Third, how did you lose your information?. Fourth, you did respond to confirm the email to the merchant which is the same primary email address that we have on file.

-In my opinion, from my end, I NEVER receive any phone calls, NEVER reply or confirm any emails from this merchant. No packages arrived.!! 
- My questions are : what day and what time did the merchant called me? Called to what phone number? 
- Which email address did they asked to confirm? Is it my profile primary email address? 

I do not know what to do and how to resolve this matter. Please help. Thank you. 

XX/XX/2022 in the amount of {$960.00}
Product: Checking or savings account

My purse and wallet was stolen on XX/XX/XXXX. I immediately reported it to the bank and got new debit and credit cards. On XX/XX/XXXX the bank let someone withdraw money using my stolen drivers license from a bank drive thru line. XXXX dollars was withdrawn. I have been given a temporary credit for this amount. They gave the person my account number for my checking account with the withdraw based upon my drivers license and some other card from my wallet. Later that day they let someone cash a check against my bank account and withdraw XXXX. The signature on the back of the check does not look like my signature. The check then bounced and the bank deducted the money from my checking account. Bank of America has refused to give me a temporary credit for this amount. I was also in XXXX XXXX at the time using my debit and credit card from Bank of America. I also filed a police report on XX/XX/XXXX when my purse was stolen. I have three different case numbers from Bank of America because my claim was misfiled the first time. 
XXXX, XXXX XXXX. I have reached out to the bank multiple times with very little response. I have opened a new checking account and have a fraud alert in my previous checking account.