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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I put in a dispute for phone numbers and address that are incorrect and old for Experian. They removed the old phone numbers and kept the 21 addresses on there. They are just updating them and not removing them.
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX. This account was charged off by XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX. If they cant provide validation I remedy this be taken off my credit report immediately all 3 bureaus. This has negatively impacted my life. 15usc 1681eb Debt of validation letter XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX Dear XXXX Customer Service XXXX I hope this letter finds you well. I am writing to formally request an investigation into negative items on my credit report and to address an incorrect address related to a recent data breach. 

My name is [ XXXX XXXX ], and my Social Security XXXX is XXXX. Upon reviewing my credit report, I have identified several negative items that I believe are inaccurate and may not be mine. Furthermore, my credit report contains an address that is not associated with me due to the impacts of this data breach.

The specific incorrect address that needs to be removed is : I kindly request your assistance in conducting a thorough investigation into these negative items, as well as the removal of the incorrect address from my credit report. Attached, you will find any relevant documentation to support my claims, including [ list any documents, such as a copy of your credit report highlighting the incorrect entries and address, proof of identity, proof of residence, etc.

It is imperative that my credit report reflects accurate information, as I am actively working to maintain my financial reputation. I appreciate your prompt attention to this matter and look forward to your timely response. 

If you need any further information or documentation, please feel free to contact me at the phone number or email address provided above. 

Thank you for your assistance in resolving this issue. 

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

IMMEDIATELY REMOVE un-authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE tradelines XXXX XXXX XXXX  Account: XXXX XXXX XXXX XXXX  Account:
XXXX  

Account #:
XXXX XXXX XXXX XXXX XXXX
Account: XXXX


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

This account is reporting late inaccurately for XXXX and XX/XX/2020 when this account is restricted and not in use by the creditor which is illegal to do and I demand these lates to be removed before i seek legal damages this company is charging me fees for a account i have no access to use there isn't a balance since i can't use it so where are the fees coming from
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX  that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly after Associate XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the borough several times trying to get this removed. Please remove delete immediately off my file. I have attached my ID and my Social Security card Also, a bill with my current address This is not a third-party. 


New XXXX XXXX XXXX  account detected Between XX/XX/2022 and XX/XX/2022, your account with XXXX XXXX XXXX  was added to your report. This account was opened on XX/XX/2022. 

New Credit Inquiry We found a new hard inquiry on your file Between XX/XX/2022 and XX/XX/2022, an inquiry made by XXXX was added to your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a debt from literally 8 years ago the company lied and said that this was a debt from last year which is a XXXX lie ... I tried disputing the credit history on XXXX XXXX and they investigated it and XXXX XXXX claims that they arent making any mistakes either and the dates are not accurate
Product: Credit reporting or other personal consumer reports

I have asked all three credit agencies to investigate XXXX XXXX XXXX. They have reported charge off every month for a year in payment status.. section XXXX I notified Equifax Experian and transuion they needed to investigate and notify the furnished and they did a lousy job. That harmed me and I'm suing them. XXXX XXXX reported the status as charge off multiple consecutive months which is inaccurate reporting. For the fcra reporting standards and XXXX XXXX believes this to be acceptable. I have reported this in disputed and they failed to investigatea reasonable and are still reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly XXXX me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not access TransUnion Consumer Report/Disputes/scores or freeze
Product: Debt collection

I have attempted to call Colonial Finance several times to understand the balance that they are allegedly saying I owed on a car that they sold me that was a lemon. On XX/XX/XXXX XXXX and XXXX of XXXX. I called the company a total of nine times. On the XXXX call I finally was able to talk to someone by the name of XXXX who stated he did not see a balance and was not able to send me any paperwork on the car. This was on Tuesday XX/XX/XXXX around XXXX XXXX XXXX. This company have frauded me by selling me a lemon for a car and expected me to still pay for it. After a few days of owning it it went back in the shop and they fixed it for me. Then it tore up again and they would not fix it the second time. I had a tore up car for several months.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage loan with JP Morgan Chase since I first purchased my condominium in XX/XX/XXXX, I had applied and refinanced the original loan in XXXX ; and ended up with a reduced interest rate of 4.5 % on my mortgage loan and 8.2 % on my home equity loan. My neighbors, who are are predominantly XXXX, enjoy much lower interest rates on similar condominium units. I applied to refinance again with Chase in XX/XX/XXXX, and my Mortgage advisor had offered an interest rate of 3.75 %. ( combining both my mortgage loan and home-equity ). In XXXX, i received a denial of my loan application, with the reason given as Excessive obligations in relation to eligible income. This came as a shock as my loan advisor at Chase had informed me I was an excellent candidate. My credit score XXXX at the time, now XXXX ; and I have about {$500000.00} equity on the property! I believe that denying me the loan is either a terrible mistake, or that I have been discriminated against because I am XXXX, and/or because I refused to move my XXXX investments to be managed by Chase. I do not agree with the decision made by Chase and feel I have been treated unfairly! It appears that Chase wants me to continue paying high interest rates on my mortgage. I pay via electronic withdrawal without fail every month, but why can't I get a better deal as a valued and loyal customer?
Product: Credit card

This is concerning my JP Morgan Chase Amazon Prime Visa ending in XXXX, but as a result of fraud changed to XXXX. I had over {$1200.00} in Fraudulent Transactions made on my Amazon Visa Card. That was resolved quickly by the Fraud Department. However, there were also a number of returned payments that were not made by me, thus making them Fraudulent. Although I included them in the fraud claim with the other transactions, the Fraud Department Investigator said there was nothing they could about the return payments. Again, these payments were NOT made by me. I have tried repeatedly to speak with JPMCB about his matter, yet no one seems to know who I need to talk to or what department I need to be handed off to. I have literally spent hours on the phone with them within the past 2 weeks. Most of the customer service reps are rude and refuse to help me resolve the matter even when I ask to be transferred to a supervisor or escalation department. In fact, I've had them hang up on me twice when I have asked to speak to a supervisor. Thers is NO WAY I am XXXX months behind on my payment. Especially, since I had what amounted to a XXXX deferment from XXXX to XXXX. Furthermore, the seem to want to know about finding how or why all of these Fraudulent, returned payments came about in the first place.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2001.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX  since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

Nationwide Credit & Co. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX phone : XXXX is calling and sending letters about an outstanding debt of {$2100.00}. I have informed them that this is not my account and I do not owe this debt. They reported it as a collection to XXXX, I disputed it, and XXXX  's investigation did not remove the debt. I have never had an existing account with Nationwide Credit & Co. and this is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I suspect these accounts and inquiries were made without my consent or knowledge. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$640.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$640.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$890.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$960.00} Inquiries to Be Removed : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Mortgage

The loan XXXX XXXX XXXX for Academy Mortgage provided an illegitimate Approval document ( s ) to satisfy FHA contingency on or about XX/XX/21. I immediately raised concern and asked to unilaterally terminate. I was told by my realtor XXXX XXXX and XXXX XXXX that document was legit and I was all set. In good faith i moved forward per their expert advice, however, I soon confirmed that the Conditional Approval document that was provided to satisfy the FHA contingency was not legit. Its not from an underwriter, theres no name on it, not signed nor dated and theres no loan commitment attached. Ultimately the loan was denied for reasons that were already known prior to the denial letter. I kept being told everything was on track. Since I have been business with XXXX XXXX, financially its cost me inspection fees {$1600.00} and an earnest deposit {$3500.00}. I have also invested about {$12000.00} in travel expense trying to secure a home, not knowing the whole time I was going off of " Improper '' documentation from Academy Mortgage. To make matters worse, XXXX and XXXX reached out to me on XX/XX/21 and convinced me to sell my home despite the offer was less than I wanted. There reasoning was the new house at XXXX XXXX XXXX XXXX had XXXX in equity and it didnt make since to lose that for a XXXX gap on the sell of my home. I agreed to sell my home per that discussion on XXXX. The next day XX/XX/21 XXXX informed me that I was denied the loan to purchase the new house for reasons that were already disclosed.

I was denied for lates on my 1st Mortgage which I disclosed that this could be an issue. XXXX informed me that this was not an issue... But " if the issue was to arise once my house sold those lates would not count against me and we could still close. '' I was told worse case scenario, that the closing date on the new house might get pushed a few days but we were fine. I have a lot of information.
Product: Checking or savings account

Bank of America some months back has started charging a monthly maintenance fee which they used to not charge as long as I made a minimum deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX account XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Dates : XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX 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 # XXXX, XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of XXXX XXXX monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX/ XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : BANK XXXX XXXXXXXX XXXX XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account XXXX XXXX XXXX  with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Product: Credit card or prepaid card

I have a BlockFi XXXX XXXX  XXXX XXXX. This card works like a normal credit card, but pays the credit card rewards in XXXX. I requested the company send me my XXXX  on XX/XX/XXXX. They have not sent it. I have tried to sell it and they disabled this feature. I would use these proceeds to pay some of the credit card balance, however, they will not let me. I should not have to pay a credit card balance when they are keeping my funds. 

Thank you,
Product: Checking or savings account

XX/XX/year>, I transferred everything from my savings into to checking account in order to withdraw money to make a purchase. Wells fargo stated my account was being flagged for fraud and that it would be cleared in 1-2 business days. Its been 3 weeks since and I have yet to see a single penny touch my account. Ive been in contact with them every day since and they keep telling me things should be cleared but nothing has changed and I have no access to my money whatsoever
Product: Checking or savings account

I opened a Citi checking account XX/XX/year>, I deposited money from my other bank. It would take more than a week for the funds to settle, so I transferred XXXX dollars and XXXX dollars money to the Citi account via XXXX. I used XXXX dollars to buy some XXXX on the XXXX XXXX CitiBank closed my account and provided no reason for closing my account. CitiBank wants to take 2 months to close the account and even more time to send the funds back.