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

I am writing to formally request that you block and delete the following fraudulent accounts from my credit report, as I have been a victim of a data breach. These accounts were opened without my consent or authorization, and as such, I am requesting their removal in accordance with XXXX XXXX 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX {$00.00} These accounts were either fraudulently opened or incorrectly reported, and they are not associated with any actions or agreements I have made. I am requesting that all of the above accounts be blocked from my credit report, and any associated negative information be deleted in compliance with the Fair Credit Reporting Act. 
Inquiries to be Investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was drawn into this payday loan because at the time I was desperate for money and with bad credit I couldn't find any lender to loan me any money. Due to my desperation and how quickly the process of the loan went, it wasnt no time I signed the papers not even thinking about what I was really getting myself into, especially since they fail to explain the details to you, instead they leave it open and up to you by asking if you have any further questions. I signed the papers it took less then 15 mins and it wasnt until I signed and received the agreement that I realized that I would be paying almost 7x the amount I borrowed. In other words I've been paying {$240.00} a month since XXXX, I only borrowed {$400.00} and still presently ( XXXX ) my pay off amount is {$460.00} because the interest rate is so ridiculously high. I owe more then I borrowed to pay the loan off even after paying {$240.00} for the past 8 months. I am submitting this complaint because I want to make as many people as I can aware of how easily you can get yourself caught up in this type of financial burden, and how wrong it is to do this to someone struggling as a single mom who's worked hard to get out of a financial debt. Not only is this wrong it also doesnt get reported to the credit bureau XXXX
Product: Credit reporting or other personal consumer reports

Had a car finances through prestige financial voluntarily gave the car back in 2013 and since then the account has been charged off. I have been working on my credit and noticed that they keep re aging this account to make it appear to be a new account every month and it is negatively affecting my credit score. According to the FCRA that is illegal to re age an account and I need it to be taken off of my. Redit report.
Product: Credit reporting or other personal consumer reports

Im utterly confused and distressed after discovering inaccurate accounts on my credit report today. I checked my report as I usually do, but this time, there were errors that make no sense to me. I tried refreshing the page, thinking it might just be a technical error, but the discrepancies didnt go away. Please, I urge you to thoroughly examine the documents Ive submitted to resolve this issue once and for all.
Product: Checking or savings account

Everytime I submit a dispute with Bank of america, they never do anything. My money has been stolen more than once and they never help me. They don't care. 3 times I have had to submit a dispute and every single time my claim has been denied. I have heard about them doing this to other customers and something must be done, its not right. Someone stole my money from the atm and I'm sure it can be proven that I wasn't the one as I woke up in the hospital without my possessions and they still denied my claim. Before someone stole almost XXXX and they denied that claim as well. This is just ridiculous.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan which paid off my car loan from my previous company and gave me XXXX dollar loan cash however the lady who went over all the number with us was wrong about the amounts and my old company XXXX in XXXX XXXX  is saying that the new loan company ( mariner finance  in XXXX ) sent them a check for the car however the amount was short XXXX and we left mariner with the understanding that we could use the loan money for a purchase we needed and now we are having to take that XXXX out of the XXXX loan and that will make us short for what we needed
Product: Credit reporting or other personal consumer reports

I am writing to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly. 

XXXX. Incorrect Addresses Please delete all addresses that do not belong to me, as I do not have access to or receive mail at these locations. The following outdated addresses should be removed from my file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as information requested from the list of acceptable items which is only 2 are required per the law. I have provided all documentation as well as victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed account on my TransUnion credit file, XXXX XXXX, began reporting multiple incorrect late payments. After speaking to XXXX XXXX XXXX, they informed me that they had NOT reported any late payments since my account closed on XX/XX/2021. They then sent me a " payment delinquency statement '' that shows the pay dates of every payment. 

I immediately called TransUnion to dispute and was told to upload the document via the online dispute center. I could not do so, and called TransUnion for assistance in uploading my documents. Every-time I got on the phone with a technical rep, the line disconnected. I called multiple times in 2 days and the same thing kept happening. 

I want my credit report corrected and updated by REMOVING these late payments. Attached is the statement that was sent to me by XXXX XXXX XXXX with an updated payment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute claim with Trans Union regarding a chargeoff that was placed on my credit report by XXXX XXXX XXXX. It had been deleted in XX/XX/XXXX because XXXX XXXX XXXX did not respond in the time allowed but was added back to my credit report in XX/XX/XXXX. The claim made by XXXX XXXX XXXX is bogus because the money that they claim that I owe them was already paid to them. I included proof of payment in my dispute with Trans Union but they went ahead and sided with XXXX XXXX XXXX and left the charge off on my report stating it was varified accurate just because they were told by XXXX XXXX that it was they did not ask for any written proof to prove my claim was inaccurate.Nor did they submit my proof to XXXX XXXX to prove otherwise. Trans Union stated to me that they are just a middle man service and suggested that I contact CFPB for further assistance with my dispute. So I am sending you all of my documentaion to support my claim.Along with the information involving this issue. 
In XXXX of XXXX I contacted the customer service deptment from XXXX XXXX XXXX, and notified them that I was closing my account with them and no longer wished to do business with them due to the fact that in my opinion they are only in business to steal your money and after reading the houndreds of complaints filed with the XXXX many other people share my opinion as well. Merchant XXXX is a credit card reading service that I obtained because I was opening a business where I would be needing such a service but due to covid -19 I was not able to start it but XXXX XXXX continued to charge me month after month for doing absolutley nothing! When I finalley realized that they had been taking money from my bank account I contacted them and terminated my account as I stated earlier in XXXX of XXXX. In XXXX of XXXX I recieved a letter from them stating that I had to notify them in writing in order to close my account which was never told to me in XXXX. So they continued to charge me fees for XXXX, XXXX, XXXX and XXXX of XXXX and they also were charging me a fee for a card reader that was offered to me free of charge as a promo bonus gift for signing up with them. The fees were paid as you can see in my bank statements and the card reader fee is ridiculaus because that was given to me for signing up with them in total XXXX XXXX XXXX,. recieved over XXXX in fees that they took from my bank account for doing absolutley nothing as far as providing a service for me including the money they say I owe them in the charge off they reported to Trans union.
Product: Debt collection

On XXXX I had an XXXX at XXXX XXXX that cost around {$9700.00}. 
The balance of that was to be paid by insurance and the drug company where I would owe only about {$5.00}. After reviewing my statement about 3 months later, I noticed that the drug company portion had not been paid. I inquired at XXXX XXXX XXXX  to the newly hired person that admitted to me That the drug bills had not been filed since he was there. 
This caused a problem. XXXX XXXX sent a collections agency an amount I owed of XXXX. 
That amount was never billed to me or even appeared on any statement. Simply I did not know I owed It. I have had similar problems with them in the past. Someone from the government needs to get involved here as this is a system wide problem and there is no telling how many people are being affected by this. We need Help!!!!!
Product: Debt collection

{$55.00} XXXX bill from 2017. I paid this bill directly to the XXXX   company now collection agency Finance System will not remove from all reporting bureaus. Removed from all but XXXX even after numerous disputes from me asking to remove
Product: Payday loan, title loan, or personal loan

The problem with the company is I have paid what they told me to pay at the beginning of the instalment loan. I have paid the amount they requested but they kept on withdrawing my bank account and added interest. After I spoke with several of the representatives and bot abke to resolve the issue they put a balance that should not have been there in the first place on my credit
Product: Student loan

My husband and I obtained a home equity loan in XXXX. The funds that we received were to go to Sallie Mae to pay off 2 private loans that in total were about {$11000.00}. Sallie Mae received the funds and were told and it was indicated in the refinance paperwork to pay off one of the private loans totally, which would leave a small balance for the second loan. I anticipated that the refinance would pay off both loans in entirety. I have obtained all of the deed information the amount of the refinance from my counties register of deeds. I am in the process of obtaining the actual settlement statement. I would like to at least get some information because I see class action suits but South Carolina is not included and I have not had a attorney review any of this yet due to finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX / XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/AIDVANTAGE XXXX and DEPT OF ED/AIDVANTAGE XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.
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. XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX 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 an 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 or 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

Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notifications it has been over 30 days and have received no update original letter dated XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX accessed my credit report a total of SEVEN times without my consent from XX/XX/XXXX to XX/XX/XXXX. Some Inquires duplicates ( same day ) NONE of Which I authorized or Recognize. 

XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the removal of fraudulent items from my credit report. Despite my repeated attempts and providing substantial evidence of fraudulent activity, these items continue to negatively impact my creditworthiness. I urgently request your immediate attention and resolution to this matter. 

Lack of Response : Despite my efforts, I have not received any response or resolution regarding the removal of the fraudulent items from my credit report. 

The continued presence of these fraudulent items severely impacts my ability to access credit, loans, or housing. It undermines my financial stability and poses a significant obstacle to my financial well-being. 

I demand that Credit Bureaus conducts a thorough investigation into this matter and promptly removes all fraudulent entries from my credit report. I expect a written response within 30 days, as required by the Fair Credit Reporting Act ( FCRA ), confirming the removal of these items and outlining the steps taken to prevent their recurrence. 

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other supporting documentation I urge Credit Bureaus to take immediate action to address this issue and restore the accuracy of my credit report. Failure to do so will result in further escalation of this matter, including potential legal action. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX XXXX XXXX and Transunion Credit Bureau. I noticed one unknown, unrecognized inquiry on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/2020. Because I did not apply for credit with XXXX XXXX XXXX on that date. Please launch an investigation into the XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Don '' t want it to report on my account its too old and its paid off
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT
Product: Debt collection

Halsted financial services are sending me text, emails, & phone calls everyday for a debt XXXX  XXXX XXXX  acct # XXXX but another company I have a payment arrangement for XXXX  XXXX XXXX  acct # XXXX I am already paying with resurgent company I dont understand whats going here both companies can not go after the same debt thats illegal
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 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 Subject : Dispute of Reporting under 15 U.S.C. 1681o Dear Cfpd, I hope this letter finds you well. I am writing to formally dispute the inaccurate or incomplete reporting of my account on all three credit bureaus as it relates to XXXX XXXXXXXX XXXX XXXX Based on the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I believe there has been willful noncompliance on your part, and I would appreciate your prompt attention to this matter. 

Details of the Dispute : 1. Account Name : XXXX XXXX with XXXX XXXXXXXX XXXX XXXX 2. Description of Discrepancy : I have reached out to XXXX XXXX directly as well & expressed this issue regarding the account stating it is Potentially negative & closed due to 60 days past due which is incorrect on my credit history! 
3. Date of Occurrence : XX/XX/XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act, as stated in 15 U.S.C. 1681o, I am entitled to seek damages for any willful noncompliance by a credit reporting entity, and it is my belief that the reporting of this information has been done in a manner that is inconsistent with the provisions of the law. 

I respectfully request that you investigate this issue and correct any inaccuracies or misstatements related to my account, including providing confirmation of the corrections made. Please send me written confirmation once the necessary adjustments have been made. 

Furthermore, I request that any erroneous entries or information related to this dispute be deleted from my credit file to prevent any future adverse impact on my credit score and financial reputation. 

Please inform me within 30 days of receipt of this letter regarding the status of your investigation and the resolution of this matter. I expect a detailed explanation of any corrections made to my credit report as a result of your investigation. 

If this matter is not resolved satisfactorily, I may pursue further legal actions to enforce my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this issue. I look forward to your response and resolution. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing the disputed item ( s )
Product: Credit card or prepaid card

I disputed a {$200.00} transaction that Wells Fargo is allowing to stay on my bank account. My XXXX stole my card information and paid for Her internet with it. Wells Fargo is calling that " Friendly Fraud ''. That is Not Friendly Fraud. Friendly Fraud is when You charge your own card and then dispute it with the bank. The charge was made on XX/XX/2021. The Wells Fargo representative Refused to do anything about the issue. So if I can't resolve it this way, I'm going to scour XXXX, Texas for an attorney to sue. At No point did I authorize Anyone to charge me {$200.00} for internet. The internet account that I was charged for isn't even in my name. It's in my XXXX 's name. Wells Fargo also charged me {$35.00} for the fact that the {$200.00} charged overdrafted my account by {$160.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's website that advises if I 've been a victim in their recent hack shows that my information is at risk. Equifax has mishandled my private information, so now I need to go through steps to protect my information from further misuse. This is costing me money and hardship.