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

FederalTrade Commission has been contacted with reports. 
reference number is : XXXX I am writing to dispute a fraudulent account in the amount of {$140.00} XXXX. I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

I am writing to dispute a fraudulent account in the amount of {$200.00}, XXXXXXXX XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 


I am writing to dispute a fraudulent account in the amount of {$500.00} XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
Product: Checking or savings account

Navy Federal Credit Union made an XXXX deposit that was solely in my name to an account that I was no longer a joint owner. I had voluntarily submitted my form on XX/XX/2024 and was provided with a confirmation message and email that I had been removed on XX/XX/2024. Since the bank made the mistake of accepting the XXXX deposit and has yet to refund my money or send it back to the originator, I have had to go through ridiculous amounts of being on hold and trying to rectify this situation by other means. I made sure to document this information by downloading the emails and taking time stamped photos in case is mistakenly disappeared. The photos and documentation is time stamped as XX/XX/2024 at XXXX PM. Today, I saw another emessage that indicated this had been closed and that NFCU was not in any way at fault with this email being dated as sent on XX/XX/2024, but the previous emails indicating the date of my joint owner removal had vanished from the emessage list and the link in my email directed me to the emessage page, but not the direct email itself. There is no record of my removal being finalized on XXXX XXXX. It seems like they might be responsible and want no record of any mistake they made. I called today to receive verification of the date that I was removed as a joint owner from the account and was told that I am not a joint owner of any account and that I hadn't been. By the end of the conversation they were checking with correspondence to see if I could receive confirmation for being removed from an account that they indicated may or may not have been a joint owner on.
Product: Debt collection

LVNV FUNDING *Account Open Date, XX/XX/XXXX XXXX This is a fraud account. I've never had account with nor giving access to my personal information. I've disputed with all credit bureaus. This is still listed on XXXX report. This account is in violation of FCRA. I want this removed completely from my credit report.
Product: Student loan

EdFinancial is the company who has my loan. I am on an income driven repayment plan. I have made all of my payments on time since i needed to start paying. However, nearly half of my payments have been cancelled, reversed, or otherwise not gone through. I contacted my bank and I was told that they are not cancelling the transactions. I know my account and routing number are correct, as i have had payments go through and be pulled from my account.

I emailed EdFinancial inquiring about this. I am now 3 payments behind despite attempting to pay my balance numerous times over the course of the past few months. I am now about to be go into delinquency, due to EdFinancial not knowing how to run a website. I shouldnt have to worry about my wages getting garnished due to a company 's issues. PLEASE help me resolve this.
Product: Credit reporting

The information that 's on my file isnt being reported accurately per the Fair Credit Reporting Act 609 i requested contract and signature sign and date with accurate account balances from credit bureau that supposed to be in their files i have n't received any information
Product: Credit reporting or other personal consumer reports

I have filed a identity theft report to get these off
Product: Debt collection

I am a Consumer and Creditor as per USC 1692a ( 3 ) ( 4 ). This is the second time I received a letter from this debt collector as per USC 1692a ( 6 ). I sent it back with NO CONTRACT RETURN TO SENDER label. This debt collector has refused to cease further communication with me after I requested them to stop. USC 1692c ( a ) ( c ). They have doubled their alleged bill amount. Now, I am going to invoice them for the FDCPA violations. I did not give this debt collector prior consent to communicate with me USC 1692c ( a ). As a Consumer I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX Account 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 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 XXXX 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, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit card for {$200.00} hours XXXX XX/XX/2019 This account does not belong to me. Requested for it to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 Hard Inquiries within 2 years from XXXX to current XXXX. The report is on Equifax & XXXX on my credit account. Most inquiries I have had never recognized and were victim of its matter. They are hard pull off to monitoring my credit without my consent or permission I never asked them to do so without my authority. Here is list of inquiry from below : ( EQUIFAX ) *XXXX XXXX XXXX  : XX/XX/XXXX-All Banks *XX/XX/XXXX : XX/XX/XXXX -Miscellaneous Reptg. Agencies *XXXX : XX/XX/XXXX XXXXPersonal Loan Cos XXXX XXXX XXXX : XX/XX/XXXX -Bankcard *XXXX/XXXX : XX/XX/XXXX -Mail Order Firms *XXXX : XX/XX/XXXX XXXX National Credit Card Cos *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- All Banks XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX-All Banks ( XXXX ) *XXXX XXXX : XX/XX/XXXX XXXX Misc *XXXX XXXX : XX/XX/XXXX XXXX-Bank *XXXX XXXX : XX/XX/XXXX XXXX-Bank *XXXX XXXX XXXX : XX/XX/XXXX-Bank *XXXX XXXX : XX/XX/XXXXXX/XX/2017-Bank
Product: Credit card or prepaid card

Hi I have issues with XXXX XXXX XXXXXXXX Citi Bank and XXXX i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I paid my balance of {$2200.00} in full and it was deducted from my bank account on XX/XX/2024. Now XX/XX/2024 my credit card balance is {$230.00}. The account shows that a payment of {$2200.00} was posted on XX/XX/2024. My credit limit is {$2500.00}. But, it shows- {$4.00} available to spend. 

I contacted Synchrony bank by phone and they claimed that I couldn't use the card until XX/XX/2024.
Product: Checking or savings account

I can't open the link with the response from Wells Fargo regarding my latest complaint. 

For the 3rd time, I am requesting : 1. Documentation regarding my fraud investigation. Wells Fargo still did NOT provide me with any documentation regarding my investigation.

2 Documentation on the 3 merchants the Non Wells Fargo ATM charges occurred. I asked Wells Fargo for information on these merchants and they did not comply with my request. Since I have never been to these places and they don't exist on XXXX, I am requesting Wells Fargo give me information on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these businesses are real, therefore, how could legitimate ATM charges occur? 

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

Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1800.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute recent credit inquiries and the subsequent drop in my credit score, which I believe are directly related to a data breach involving my personal information. I became aware that my information was compromised as part of a recent breach, and shortly afterward, I began noticing unauthorized credit inquiries on my account. 

These inquiries have negatively impacted my credit score, and I suspect they are a result of the breach. I have not authorized these credit checks, nor did I apply for any new credit accounts during this period. It is deeply concerning to me that my credit score has been affected by this breach, and I request that these inquiries be investigated and removed if they are determined to be unauthorized or fraudulent. 

I would appreciate it if you could review my credit file, provide a detailed explanation of the unauthorized inquiries, and take immediate steps to correct my credit score. Additionally, I would like to receive confirmation that these actions have been taken and that my credit report is fully corrected. 

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

XXXX. XXXX XXXX DEALER SERVICES Account number : XXXX. Remove this account because you are reporting a 90 day late on XX/XX/XXXX with the date of last activity being XX/XX/XXXX while XXXX states the date of activity being XX/XX/XXXX Furthermore this vehicle was deemed a total loss by more insurance in XXXX of XXXX and I surrendered the vehicle to insurance the same month. I was not in charge of making the payments from the XXXX forward I have proof that it was totaled As attached Cam Number : Date of Loss : Insured Name : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX : I am still investigating the above captioned incident. XXXX I am able to bring this matter to a conclusion I need the followin. 
Your total loss settlement. 
intend to conclude this matter as soon as dossiole. 
If you have any questions, I can be reached at XXXX extension XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform., leaving my account vulnerable and unprotected.
Product: Debt collection

Company " Charged off '' account XXXX XXXXXXXX and is unable to verify debt or sent any documentation requested. I requested back in XX/XX/2023, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given, written or unwritten, verbal or nonverbal, per 15USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask you for help with the agency Experian, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to Experian with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.
Product: Debt collection

The company XXXX XXXX XXXX has been calling our home telephone number repeatedly to collect a debt that is not owed by us. We have asked them to remove our number from their list and stop calling us, but they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ADDRESSED SEVERAL ISSUES WITH EXPERIAN THEY HAVE NOT REMOVED FRAUDULENT INFORMATION FROM MY CREDIT FILE THEY HAVE REMOVED THE ACCOUNTS SEVERAL TIMES AND HAVE NOT CONTACTED ME THAT WITHING 5 DAYS THAT IT WAS REINSERTED IN MY FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and saw inquiries reporting from companies I never done business with and never gave permission to access my credit report. I reached out to each company to dispute these inquiries and they have not been removed. I swear under to the best of my ability and knowledge that this statement is true and I have provided all supporting documents. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern To Whom It XXXX Concern I am challenging the incorrect information with XXXX XXXX and alll XXXX Bureaus Experian, XXXX, and XXXX have clearly violated the law and have put on my credit report that the account has been verified but still have not provided any details on how it was verified. The account is being reported as a Bankruptcyby XXXX and XXXX credit bureaus. I personally have a letter from the court house and they said they do not report to any credit bureaus. I have coantacted the credit bureaus on XX/XX/2022 and XX/XX/2022. they both came back verified. 
I contacted all XXXX bureaus Experian, XXXX, and XXXX as well. I then know that you can not report false information to a consumers credit report. Nothing was ever verified and they as well have never sent me any letters on the process of their verification process. All reporting credit agencies should prepare a consumer report and shall follow reasonable procedures to assure maximum max of possible accuracy of the information concerning the individual. By them reproting this unverfied inforamtion has made it hard for me to secure a home as well as funding. This is inaccurate information and I need it deleted immediately. 



delete a bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verify these items in it needs to be deleted according to the FCRA they have once again refuse to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more an interest every year this item needs to be deleted from my credit report if you can not be verified with
Product: Debt collection

I received a collection letter on XX/XX/XXXX from ERC dated XX/XX/XXXX for {$72.00}. The collection was on behalf of XXXX XXXX, who I was a customer of from XXXX for internet services. I have received no email or written communication from XXXX in three years. I called XXXX to find out more and discussed this with a customer service representative. The rep was able to find my account, which had been deactivated due to inactivity, and reported no outstanding balance, and could find nothing indicating a debt collection was sent. I was unable to contact ERC and could not find out more information on their website about my claim. I believe this is a fraudulent claim.
Product: Debt collection

I handled whatever debt via modifications that included all loans years ago. XXXX XXXX XXXX is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in 2012 I filed a complaint XXXX with the FTC against XXXX XXXX XXXX to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to XXXX XXXX XXXX as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.
Product: Debt collection

The debt is not applicable no copay ins. The other debt is not me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of disputing a entry on my Experian XXXX report for my vehicle VIN # XXXX. 

The report ( attached ) indicates that my car has a odometer problem due to the following entry : " XX/XX/XXXX XXXX XXXX XXXX  XXXX miles Auto Auction REPORTED AT AUTO AUCTION '' This entry is clearly incorrect as the prior entry made on XX/XX/XXXX shows XXXX miles and the next entry made on XX/XX/XXXX shows XXXX miles. 

Moreover, I have run a XXXX report ( attached ) on this vehicle which has no record of this incorrect odometer entry. 

I would like XXXX to resolve this issue by removing this incorrect mileage entry. The incorrect odometer entry in the XXXX report for my car has significantly reduced the resale value of the car and financial damage to me each day I can not sell my vehicle while waiting for XXXX to complete their verification. I would like for XXXX to address this issue as soon as possible. 

On XX/XX/XXXX I contacted XXXX via their customer support email and received an automated reply that XXXX # XXXX has been created. 

On XX/XX/XXXX I received a followup from XXXX customer support that " In answer to your inquiry, the event has been submitted for verification to our data source... please consider our time frame is 1-3 business days to deliver a response. '' As of XX/XX/XXXX after not receiving any further communication from XXXX I called their customer service number asking for an update on my case. The customer support representative informed me that they are still verifying the information from their data source and did not know when this could be completed. They stated that I could speed up the process by contacting the data source myself but after asking to provide the contact info for this data source they stated that this information could not be provided and all I can do is wait for them to complete their verification, which as I state again, has no confirmed XXXX or timeline. 

I find this response to be unacceptable given the negative repercussions consumers experience due to XXXX 's incorrect reporting.
Product: Checking or savings account

I'm a loyal XXXX member I deposited money in my XXXX XXXX back in 2021 back in XXXX. 
GOLDMAN SACHS BANK TAKING MONEY OFF MY XXXX ACCOUNT REVERSAL OF ACH DEPOSIT CAUSING ALL MY XXXXXXXX XXXX  ACCOUNTS TO CLOSE