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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the XXXX Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$160000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX INSTALLMENT Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent UpLift a certified letter XXXX via USPS on XX/XX/2021 which was delivered on XX/XX/2021 disputing the inaccurate information they are reporting to my XXXX  Credit Bureau and they never investigated it. Please see the attached letter for a full explanation of all of the inaccuracies. They failed to investigate it and are still reporting the inaccurate information my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer is still having problems with a Bankruptcy on my credit report. I have asked the several times that the bureaus show me how this information was furnished. They have yet to mark the accounts as disputed. The bureau has completely disobeyed the FCRA. They have not removed this account from my credit report. So, I'm requesting that all XXXX XXXX accounts on my credit be removed. 15usc1681 604a Section 2 states that a consumer reporting agency can not furnish account without, my written consent.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I became a victim of identity theft few years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately they are a result of ID theft. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT COLLECTION REMOVAL data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Collection Removal COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. 
Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Collection Removal compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Bank account or service

I 've been a member of Suntrust Bank for over 15 years. I have a checking account with the bank and I recently had several overdraft fees on my account. I reached out to the Customer Service Department about removing some of the fees and they stated since I have been a long time customer and since I have a direct deposit that the fees can be removed. And the conversation that took place XXXX XXXX, 2015 the representative stated that I would see the refund posted back in my account within 24hrs. I never got any refunds. I made another call to the bank and got transfer from XXXX representative to another and that was it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Beginning in 2017 I've disputed the student loans reported on my credit profiles by XXXX, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.
Product: Debt collection

Enhanced Recovery Company , LLC has reported a debt in collections that is not mine on my credit report. I had it removed 3 years ago by XXXX, and on XX/XX/XXXX they reported it on my credit report again. I attempted to contact them to remove the collections account and they informed me that I should email them with a copy of my credit report because they could not locate the account. I emailed them a copy of my credit report on XX/XX/XXXX. They responded on XX/XX/XXXX stating they could still not locate the account and to provide additional information. I provided this information and they responded again on XX/XX/XXXX stating that they located the account and provided payment details. I then telephoned their location and they stated that I did not send any emails and needed to send an email. After stating that I had already did this, they hung up on me. I called back and talked to another representative and she stated that they had no record of any of my emails and could not help me with the matter. In addition to only being able to tell me how to pay the debt that was n't mine, they also stated they could not discuss the debt with me since I was not the debtor.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I took a personal loan from OneMain Financial. The amount was a little bit over XXXX .The lady who processed the loan told me that my interest rate is 35 % ( which is the ceiling I illinois ), and she told me that in just a few months, it will drop either by refinancing or when my credit score gets better ..On XXXX, my score hit about XXXX, and I tried to refinance, but I didn't get approved, instead, it went as a hard inquiry on my credit report ... I was told back then, to wait till I make more payments in order for me to get qualified for a lower rate ..My credit score had been about XXXX since XXXX, so a few weeks ago, I decided to refinance. Again, I got denied and the reason was I didn't have enough credit ... I have had many credit cards and loans during the years and I don't understand why they want to lower my interest rate .I 've been making payments on time and I never missed any payment since I took the loan, but u still see not much difference in my balance ..I wouldn't have taken this loan with this high interest if I wasn't told the interest rate would change in the few months. Now, it's his been almost 10 months, and I'm still making payments with high interest. I also believe the loan offics misled me and wasn't truthful with me the day I took the loan .She promised me that it will drop in a few months.. This lady yelled at me on the phone and she didn't respect me, because I didn't agree with what she told me .She was pressuring me to reapply and get more miney if I qualify.She told me the same lie, the other representative told me when I was applying for refinancing : they both said it won't be a hard inquiry, but when i checked my credit report, the hard inquiry was there .My credit was a bit affected because of that. 
I want an investigator who will take this seriously, because in ky previous complaint, neither the investigator nir the institution took this seriously, and their decision was on theor behalf not in mine. 
Meanwhile, I will be taking a legal action against this institution and every loan agent who scammed me.
Product: Checking or savings account

On or about XXXX XXXX 2024, my XXXX XXXX XXXX XXXX account was compromised XXXX was sent to XXXX XXXX via internet transfer, I did not authorize this transfer and I certainly did not make the transfer. I reported this to the bank via telephone conversations on or about XX/XX/XXXX XXXX after several phone calls, and following the suggestions of the bank persons ( change email, new acct. # and id and password, I received a letter stating their investigation found no wrong in the transaction and they would not be returning my funds. I WAS CRUSHED. My life savings gone. The funds are need to establish my recent interrupted housing situation. 
Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

Complain to FTC XXXX XXXX XXXX XXXX XXXX. ap XXXX XXXX XXXX, IL Date : XXXX XX/XX/XXXX Dear Federal Trade Commission, I have written to Experian on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the ( name of the credit bureau here ). The following accounts are the items the credit bureau has refused to investigate. 
Account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Debt collection

Dear XXXX XXXX XXXX / Sterling Jewelers, I am writing to formally dispute an alleged debt of {$3600.00} reported on my credit file, which I believe to be fraudulent. I have no prior relationship with your company or the original creditor and have never entered into any contractual obligations with either party. This account is not mine, and I have no knowledge of it. 

The reporting of this account appears to violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter promptly, I require the following documentation : Authorization Proof : Evidence of your authority to handle this matter under 15 USC 1692 ( e ) and 1692 ( f ).

Legal Basis : Documentation supporting the legal basis for the collection of this alleged debt.

State Authorization : Proof of your authorization to operate and collect debts within my state.

Debt Evidence : Documentation of the alleged debt, including any contracts or agreements bearing my signature.

Account History : A complete account history, including all collection-related charges.

I am also filing a formal complaint for violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Per 15 U.S.C. 602 ( a ), I demand the immediate c
essation of all communication and collection activities related to this account. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), no account should be furnished without my written consent.

I request the prompt deletion of this disputed account from all three credit reporting agencies due to its fraudulent nature and lack of any valid contractual obligation. Your immediate attention to this matter is crucial. Failure to comply may result in further legal action to safeguard my rights. Please provide the requested proof or remove the erroneous account from my credit report as soon as possible. Thank you for your prompt attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I am presenting this complaint to formally dispute the accuracy of certain negative accounts on my credit report. The information being reported is inaccurate and has caused significant harm to my credit rating. The following accounts are inaccurate and should be corrected in my credit report : XXXX XXXX XXXX XXXX : {$18000.00} ; XXXX  XXXX Balance : {$2600.00}. Please investigate these matters and update my credit report to reflect the accurate information. I also request that you provide me with a written statement confirming the correction of these negative items once the investigation is complete. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submited a complaint to bank of America # XXXX and its been more then 60 days and I haven't got a response
Product: Money transfer, virtual currency, or money service

Business Checking : XXXX XXXX XXXX XXXX XXXX XXXX. 
Chase Wire Transfer Fraud Claim Case # XXXX {$9800.00} I had suspicious activity reported via text from Chase Fraud on XX/XX/21 XXXX XXXX asking me if I requested an ACH in the Amount of {$3900.00} to a XXXX XXXX, I replied NO and transaction was denied, I then contacted Chase Fraud Dept after a 45-minute hold I was disconnected, so the next morning, I went directly to the XXXX Branch of Chase. 
I arrived at XXXX on XX/XX/21 and met with XXXX XXXX XXXX the XXXX NJ XXXX to discuss my options for my account security as it was compromised. At that time XXXX XXXX XXXX asked me If I had initiated another wire transfer this morning at XXXX in the amount of {$9800.00} to XXXX XXXX XXXX XXXX attempt within XXXX hrs ) I replied No, this was how I was informed of the fraudulent wire transfer, Chase never sent me text notifications of this, like they did for the attempt a few hours earlier. XXXX immediately tried to get someone on phone and via instant message to have a swift recall and claim put on the wire transfer as it showed as pending at XXXX to try to stop this wire to XXXX XXXX apparently it was unsuccessful as the monies were taken out of my account at XXXX after I notified Chase. XXXX XXXX on XX/XX/21 gave me a case number, at that time he indicated it could take approximately 10 days for a provisional credit to be issued. 
I did not request nor authorize this wire transfer, I do not know a XXXX XXXX and I do not use wire transfers ever. XXXX XXXX attempted a fraudulent attempt at XXXX XXXX XX/XX/21 the evening before which was denied by me via text and 10 hours later Chase allowed {$9800.00} to be wired to the same individual after her 1st fraudulent attempt, additionally Chase did not use due diligence in protecting my account and text me of this wire transfer transaction attempt and did not question a phone number change on my account another red flag? 
It has now been 45 business days and no updates are available to date when I contact Claims CS? I was told 10 days for provisional credit, I am a XXXX XXXX XXXX and losing almost {$10000.00} is causing a huge financial stress to my business, with no updates or information as to when I will receive this money back. I have read they must issue a provisional credit while investigating I have held an account with them for over 20 years without any fraud or scam claims, I did everything possible, reported it within 2 hours to Chase as well as Internet Crime Complaint Center XXXX. 
Chase is responsible and negligent for allowing this {$9800.00} wire transfer after I reported an earlier fraud attempt by same individual XXXX XXXX of {$3900.00} just hours earlier. By now my money should have been refunded its well pass 10 business days as I was told. I desperately need answers and to know my rights and need these funds returned immediately. Can someone please tell me my rights and help. ( XXXX ) XXXX. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

I was turned left and the light was red the car that was going strat at the intersection was going fast enough to total my car. At the time of the accident I was covered through XXXX who says I wasn't even the cop verified the insurance verification. It was towed to a lot. Apparently I was supposed to have it towedto my house. Security service said when it got to the lot they reposted it and sold it as a branded title. I had gap insurance but they charged me for the timekt was spend in the tow yard. I was not provided any information about it being demanded to file a XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting Act. These following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX. XXXX XXXX # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX Has Violated my Rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written Instructions.