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

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX CAPITAL ONE XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries 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 hindering 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$29000.00} loan with Upstart in XX/XX/2021. Since then, I have made 29 payments, ranging from {$800.00} to {$1300.00} each. Currently, my balance is {$27000.00}. 

Upstart is unable to explain how I could possibly pay almost $ XXXX in payments, yet my loan balance has moved virtually nowhere. 

My thoughts are it must be due to the predatory nature of their services, which include - High late fees- Compounding daily ( or every hour?? )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau is claiming that XXXX XXXX XXXX  is stating my account is closed when it is not. I put in two disputes with Experian that keeps coming back saying this account is closed when it is not. XXXX  XXXX XXXX  also is stating that they are informing the credit bureaus that my account is open and active. XXXX XXXX and XXXX  are not showing this account as being closed, it is showing it as being active. Only Experian credit bureau is claiming this and This incorrect reporting is causing my credit score to be Tremendously low!
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative accounts are reporting on my credit reports that's impacting my credit scores XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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.
Product: Credit reporting

Incorrect information is being reported by the credit bureau 's. My identity was stolen.
Product: Mortgage

have been trying for over a month to get a 5 yrs payment history, finally received one last week but XXXX was for some other person. I have talked to supervisors but because of my bankruptcy in XXXX they give me to another dept and sy it will be 10 to 20 days but nothing happens. This week they said a fax was sent to my place I am trying to refinance with, to get some info and when I ask my rep they never received anything. Now I am in danger of loosing my locked in loan rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Experian to remove XXXX XXXX for a account that was settled and supposed to be removed from the credit report but still appears
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed there were a number of fraudulent inquiries and addresses on my credit profile that I did not give my consent for. The fraudulent inquiries and address that I am referencing consist of the following Democracy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have a debt in collections on my credit report for {$610.00}. It is not my debt. Ive contacted the company and the original creditor. They have nothing in their system saying I owe this amount but yet, it is on my credit report.
Product: Mortgage

weiis Fargo continues to show me in arrears on a line of credit account by some $ XXXX which they admit is an insurance charge despite my contention that I have provided them insurance papers.This arrears listing has cost me numerous credit applications and they promise to correct it but have not/ How do I, a little old retiree stand a chance against such a monsterious corp. Thank you for any help.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries and creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft and Unauthorized Account - Request for Investigation and Resolution Dear Sir/Madam, I am writing to dispute an alleged debt that has been reported to your collection agency and to inform you that I am a victim of identity theft. I recently discovered the presence of this account on my credit report, and I am confident that it is a result of fraudulent activity. I request your immediate attention and cooperation in resolving this matter. 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount Owed : {$1000.00} I have attached supporting documents that demonstrate my innocence and substantiate my claim of identity theft. These include : XXXX. A copy of my official identification ( e.g., driver 's license, passport ) to establish my identity. 

XXXX. Copies of my credit reports from XXXX, XXXX, and EQUIFAX, clearly indicating the unauthorized account and highlighting the fraudulent activity. 

XXXX. Any additional evidence or supporting documentation that supports my claim of identity theft ( e.g., police reports, letters from other financial institutions acknowledging the fraudulent activity ). 

I understand that it is crucial to take immediate action to protect my rights and resolve this matter. Therefore, I kindly request that you take the following steps : XXXX. Initiate an immediate investigation into the reported account and provide me with a detailed response within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

XXXX. Cease all collection activities related to this account until the investigation is complete. Any negative reporting to credit bureaus should be suspended as well. 

XXXX. Provide me with written acknowledgment of my dispute and confirmation that you have received the attached documentation. 

XXXX. Share all relevant information about the alleged debt, including the original creditor 's contact information and any supporting documentation you possess. 

I must emphasize that I am not responsible for this debt, and it is vital that you rectify this situation promptly. I expect your full cooperation in investigating this matter thoroughly and providing a resolution that clears my name from any association with this fraudulent account. 

Please note that failure to comply with my request or the continuation of collection activities on this account may result in legal action being taken against your collection agency. 

I can be reached at ( XXXX ) XXXX or XXXX should you require any additional information or documentation. I expect your prompt attention and resolution of this matter. Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX DOCUMENTS BELOW : DL ( PROOF OF IDENTITY AND ADDRESS ) SSN ( PROOF OF IDENTITY ) POLICE REPORT ( PROOF OF REPORTED IDENTITY THEFT ) BANK STATEMENT ( PROOF OF ADDRESS ) PHONE BILL ( PROOF OF ADDRESS )
Product: Checking or savings account

I chose closing an account because no other option fits my complaint. I my complaint is regarding a branch manager refusal to allow signers to be removed from an account when the owner and the signers were both present. Truist answered complaint XXXX with a non-answer and untruths. All three people were present to remove signers ( please check your cameras from XX/XX/2022 between XXXX and possibly XXXX. 
Myself and XXXX XXXX came in first with XXXX XXXX XXXX arriving a few minutes later. 
Because XXXX XXXX did not acknowledge responsibility and negligence of branch manager, he also did not offer a resolution. 

See attached letter from bank,
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have made multiple attempts to contact the bureau in order to correct inaccuracies on my credit report. Oftentimes I have not received a response within 30 days and most recently it has been over 60 days without a response. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, and now XX/XX/20. I have multiple bankruptcies reporting on my credit report that have indeed not been filed and the bureau refuses to correct or send proof of these accounts legitimacy. I am distressed and I am being negatively affected by these mistaken erroneous accounts. I will attach the most recent letter I will be sending out to the bureau.
Product: Credit reporting or other personal consumer reports

incorrect information from XXXX XXXX  account Per 15 usc 6802 and 16 cfr 313.7 ( f ) as a federally protected consumer I am opting out of all authorization I the consumer may have given to disclose non public personal information. 5 USC 552A ( d ) ( 1 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXXTo Whom It XXXX Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

There Are Unauthorized Accounts On My Credit Report XXXX XXXX XXXX ( {$5100.00} ) XXXX ( {$8000.00} ) XXXX XXXX XXXX ( {$4200.00} ) XXXX XXXX XXXX ( {$11000.00} ) DeptedXXXX  ( {$4000.00} )
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXX XXXX  XXXX - XX/XX/year> 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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, credit repair services, or other personal consumer reports

On XX/XX/2019 I was denied credit with a credit card company, XXXXXX/XX/XXXX The reason they gave was based on information on my credit report and they advised me to get a copy of the report in order to correct any potential issues. 

I contacted the following credit reporting agencies : Transunion, XX/XX/XXXX and XX/XX/XXXX 

Allegedly there is a discrepancy with my Social Security number. The reporting agencies stated they have the wrong Social Security number tied to my name. They have not corrected this. 

This has resulted in my inability to secure credit and has resulted in my not being able to get a credit card or purchase a car. The impact to me has been significant and material. It has impacted my day to day life, and I have no recourse. 

After countless hours, repeated attempts, telephone calls, e-mails, data uploads this issue is still unresolved. The credit agencies are not responding or making material efforts to resolve this issue. Based on the responses I have been given, there has been little to no movement in attempting to resolve the Credit Reporting Agencies Failure This issue has resulted in a loss of credit building which will put my plans on hold of buying a home.
Product: Checking or savings account

I have not receive my paycheck deposit of {$1200.00} into my account. My paycheck is split between multiple accounts, thankfully, and I know that the deposit was successful with the other accounts but is not reflecting in my Capital One Banking account. There is a notice on the app and when calling customer service that there was a technical issue but there is no estimated time for the amount to reflect correctly.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I was a victim of a data breach, which compromised 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 In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and permanently delete these accounts from your records within four ( 4 ) business days. Under the FCRA, specifically 15 U.S. Code 1681c-2, consumers have the right to request that fraudulent accounts be blocked from their credit reports in cases of identity theft or data breaches. 

Please confirm once these actions have been taken. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

i have reached out to the fraud dept with XXXX  XXXX XXXX and 5th 3rd bank in regards to these fraudulant accounts that are currently reporting as bad accounts on my credit report, which are not my accounts and i have uploaded multiple times supporting documents stating they are not my accounts!
Product: Credit card

US Bank ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) opened up a credit card without my consent. 
I have contacted the Bank and they have submitted a request to the Credit Bureau to remove my inquiry. I need the bank to take action as soon as possible on this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to follow suit with other credit bureaus. XXXX and XXXX have removed all incorrect information from my credit report. XXXX will not follow suit and refused to send debt validation letters with SIGNED CONTRACT WITH MY LEGAL SIGNATURE. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ]. PLEASE FOLLOW SUIT WITH OTHER CREDIT BUREAS AND IMMEDIATELY REMOVE INACCURATE ACCOUNTS OFF MY CREDIT REPORT.
Product: Checking or savings account

XX/XX/2018 Opened a new Business Checking account at the Bank of America branch located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Immediately after opening and making my {$100.00} cash deposit at the ATM, I was informed that my account will be closed and that I will need to call to retrieve my deposit. I was informed that the account was closed on the grounds that it was a " business decision. '' XX/XX/XXXX - XXXX, XXXX  My {$100.00} deposit was returned to me. 

None of the accounts ( personal and business checking, savings and credit cards ) I have had with Bank of America ever had negative balances or unpaid debts. 

Despite my clean record, I am banned for the rest of my life ( until the year XXXX ) from opening a personal or business deposit account or credit card with Bank of America with no tangible cause. I am not even able to be a co-signer for a family member 's safe deposit box.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am referred to 15 USC 1692C I am not paying this bill and do not wish any further communication nor it to be reported to the credit bureaus. This is not my account and I only had signing privileges.
Product: Bank account or service

I am the trustee of a trust that is being liquidated. The mutual fund company issued a redemption check that I deposited into Bank of America. B of A has now placed a hold on those funds. There is no pattern of unusual activity here - the amount of the deposit is not unusual for this account, the account has never been overdrawn, and the funds are drawn on a large and reputable mutual fund company 's account ( XXXX XXXX ). Bank of America told me that the hold was placed because the issuing bank ( XXXX XXXX ) is unable to confirm sufficiency of funds. I called XXXX XXXX and they have verified that the check CLEARED XXXX XXXX. Somehow Bank of America is not being straight with me and in the meantime is interfering with my ability to fulfill my fiduciary duties to liquidate the trust and distribute the proceeds.
Product: Payday loan, title loan, or personal loan

I recently contacted avant for a payoff on my account. I was told they would mail one and further I could obtain a 10 days payoff at any time on line. 
I did obtain a payoff on XX/XX/19 good thru XX/XX/19. 
I sent a check overnight to avant and they received it and applied it on XX/XX/19 actually effective dating it back to XX/XX/19. 
This did not payodd my loan. They state and I now see that it is required that I schedule the payoff in order the the 10 day payoff amount to be valid. 
I called and spoke to them and they did indicate that a payoff that is quoted on line is not official unless I actually schedule that payoff via check or debit. 
I asked them how do I get a payoff good for 10 days without scheduling that payoff, they said I cant. The only way for the payoff to be valid is to schedule it because they freeze the interest. I dont understand how they freeze the interest because he said it is interest thru XX/XX/19. 
Is this legal? Can they require a payoff to be scheduled in order for it to be valid? Now, because I didnt schedule the payoff, I owe {$30.00} more. 
And if I dont schedule the {$30.00} before I send it in, I will owe more. 
Again, is this legal? Cant I get a payoff without any strings attached?
Product: Payday loan, title loan, personal loan, or advance loan

The company processed 6 applications for a consumer loan which were declined because of credit score. I went in to the office and retrieved the paperwork for these denials but was never given the paperwork for the title loan it was a complete surprise. Now I understand better what happened and I believe and contend that it was fraudulent. The terms of the loan were changed unknown by me.
Product: Credit card or prepaid card

I opened a secured credit card with TD Bank on summer of 2017. I had to make a XXXX dollar deposit to receive the XXXX dollar credit line. With the secured credit card they advertised to me that after making 6 months of on time payments I would be graduated to the regular credit card. After having the card for 4 years I have not been upgraded and received my XXXX dollars back. When contacting the company and visiting a branch no one can give information about why my account has not been graduated. My credit score has skyrocketed since opening the card ( XXXX XXXX, I have not been late. This type of advertising and misleading to people trying to improve their credit. Customers like myself did not have much money to spare when trying to get this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached and all they are offering me is better fraud detection. My information can now be sold like an amenity. This is unacceptable.
Product: Payday loan, title loan, or personal loan

I am trying to get my {$250.00} loan I have been receiving and paying off for months via XXXX, but PNC is changed the verification process and now the app is not operational with PNC. However, PNC was certainly able to take the money out for the app without issue ...