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

Re : Request for Immediate Removal of Fraudulent Account Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information on my credit report. Specifically, there is an account listed under the name " XXXX XXXX, '' which I am requesting be immediately removed from my credit report as it is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I am entitled to a credit report that is 100 % accurate and free from fraudulent or erroneous information. The inclusion of this XXXX XXXX account on my credit report is a clear violation of this law. I have previously submitted documents confirming that I am a victim of identity theft and that I never had any contractual relationship with XXXX XXXX, nor do I owe them any money. 

In my prior disputes, I requested the removal of this account from my credit report. I have provided the necessary evidence, including proof of identity theft, yet the account has not been deleted, and the fraudulent information continues to be reported. I also sent a debt validation letter to XXXX XXXX XXXX months ago, to which they did not respond. 

In addition to the fraudulent nature of the account, I have noted discrepancies between the information reported across different credit bureaus. The balance owed on the account varies from XXXX credit report to another. Additionally, the dates of account opening and the date sent to collections differ between the reports. These discrepancies further demonstrate the inaccuracies in the reporting of this account. 

Under the FCRA, all information on my credit report must be accurate and consistent. The continued reporting of this fraudulent account, along with the inconsistencies between the credit bureaus, is a clear violation of my rights. I am requesting the immediate deletion of this XXXX XXXX account from all credit reports. 

Please confirm in writing that this account has been removed from my credit file, as required by the FCRA. Failure to do so will leave me no choice but to seek legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violation of my rights under the Fair Credit Reporting Act. 

I expect prompt action on this matter and look forward to your confirmation.
Product: Credit reporting or other personal consumer reports

Despite our previous correspondence and my continuous efforts, it appears that the issue remains unresolved. As I have highlighted before, the presence of these late open accounts on my credit file is causing considerable distress and adversely affecting my financial standing. Immediate action is essential to rectify this situation and ensure the accuracy and integrity of my credit report. I understand that correcting such errors may take time and effort, but it is crucial that we work together to expedite the correction process. Your collaboration and support in this matter are vital for achieving a satisfactory resolution. Therefore, I am asking for your assistance in correcting these accounts in my credit file : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : {$190000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following companies has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from these companies. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form XXXX you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

I have done my own investigation and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question.
Product: Credit reporting or other personal consumer reports

Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.
Product: Vehicle loan or lease

MY VEHICLE WAS REPOSESSED ON XX/XX/XXXX THE REPO COMPANY DID NOT SHOW ME ANYTHING as PROOF THE YOUNG GUY STATED THAT HE WAS DOING A " SWEEP '' ON THE CAR AND THAT HE WAS GOING TO TAKE PICTURES OF THE VEHICLE HE ASKED IF I HAVE EVER HAD PICTURES TAKEN OF MY VEHICLE INSIDE AND OUT, I STATED " NO '' HE STATED " LET ME WALK BACK TO MY TRUCK TO " SHOW '' YOU WHAT I HAVE FROM YOUR FINANCE COMPANY AND HE  JUMPED IN THE RED REPOSESSION TRUCK WITH MY XXXX XXXX XXXX ATTACHED AND PULLED OFF. " I WAS BEING FOLLOWED AND TRACKED ILLEGALLY VIA BLUETOOTH DEVICE THAT I HAVE " NEVER '' ACTIVATED ON THE CAR. I WASN'T GIVEN ANY NOTICE THAT A " DEVICE '' WAS PLACED OR GOING TO BE PLACED ON OR INSIDE THE CAR I STILL HADN'T RCVD ANY DOCUMENTATION OF REPOSESSION UNTIL XX/XX/XXXX VIA MY PERSONAL P.O.BOX FROM THE REPO COMPANY, THE DOCUMENT DIDN'T HAVE THE LOCATION LISTED WHERE MY VEHICLE WAS REPOSESSED FROM ON IT, IT JUST HAS XX/XX/XXXX @ XXXX ON IT. I CONTACTED XXXX  XXXX XXXX XXXX  " OFFICE OF THE PRESIDENT '' LOCATED IN XXXX TEXAS XXXX. I SPOKE WITH REPRESENTATIVE STATED THAT THEY DO " NOT '' GIVE THE REPOSESSION COMPANIES ANY PERSONAL MAILING INFORMATION. XXXX XXXX AUTO REP STATED TO ME THAT THE REPO COMPANY WAS " NOT '' SUPPOSED TO DO THAT. THEY DON'T GIVE THEM PERMISSION TO DO THAT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried, on several occasions to get my credit report updated to reflect that I was never past due on my auto loan. The loan was entered into a payment agreement because of my wife and I being impacted by Hurricane Irma, and my wife losing her job. XXXX told me I could pay the interest only on my loan for 6 months. During the time frame it took them to " process '' the loan modification, they gave me a 2 month forbearance. They reported that forbearance as being late on my credit report, as well as my wifes. When I contacted XXXX, and spoke with XXXX, the manager at the location closest to my home ... she informed me a credit letter requesting to update the credit reports had already been sent, and that they would be removing the late payment history, because I was never late. This was 4 months ago. Now every time I call i get a different answer. XXXX is now saying they have done all they can do and the credit bureaus are just not updating. I have called every individual credit union and they all state they have received nothing from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months credit card companies have not updated their information to Trans Union XXXX and XXXX by not doing this my accounts were not reflected in a positive manner causing me the inability to obtain services that would have been granted if my information was current and correct
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor 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, block 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, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX  XXXX XXXX Balance : {$710.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear District Attorney and to whom it may concern, aside from my utter disappointment with Wells Fargo and their unwillingness to assume any responsibility for a highly destructive loan product, once called a XXXX XXXX, is unfathomable! It is inconceivable that this financial institution be allowed to continue to operate under the guise of integrity. Case in point is Wells Fargos dismissive accountability for the loans and decisions that theyve made and continue to make today. Ive asked Wells Fargo repeatedly to investigate a 2010 loan modification that was offered, of which I had no choice but to decline at the time, as the modification only placed past due payments onto the back of loan leaving all the same destructive amortization terms and conditions in place. Due my financial hardship at the time and the fact that acceptance of said modification stipulated that I waived any and all rights legal rights or actions.

My compliant lies squarely with Wells Fargos as they keep insisting that placing past due payments on the back of the same toxic loan is somehow an acceptable modification that was going to miraculously keep me current on said loan for the foreseeable future.This tells me that Wells Fargo hasnt bothered to go back and review my 2010 finical hardship documentation and come clean with the fact that I was offered a self-destructive modification product that due to my then finical situation would have left me not only with a defaulted modification, but with no legal right to stay in my home.

It is at this time that I seek out the assistance of the District Attorney of Florida and request a full investigation into the how Wells Fargo is conducting their reviews of complaints being submitted as I have done my homework and have all modification application documentation that proves that the 2010 modification was unjust and set up to fail and anything other than that finding is an attempt by wells Fargo to check a box and claim compliance.

Wells Fargos continued omission of responsibility as it regards to their sins of the past has cost me and my family a decade of pain and suffering, one that I will never forget or stop fighting as I seek out an amicable and final resolve. Ii is my intention to continue my pursuit of unjust and unfair conduct on the part of Wells Fargo until theres someone who takes my compliant seriously and is competent enough to explain in detail why my financial hardship application with all financial facts did not offer a modification that did more than just place past due payments to the back of the same destructive loan? If Wells Fargo is unable to justify and support the then modification then how is it that they are able to continuously claim that I was offered a sound and sustainable modification that I simply denied?
Product: Credit card

I was solicited by Marcus by Goldman Sachs as a GM cardholder. Here is the promotion per their email to me : XXXX, Cool breezes are rolling in, and so is the XXXX  fun! Let us help you keep your days fresh and your nights cozy with this special limited-time offer : Get XXXX bonus points ( a {$50.00} value at GM ) for each purchase you make with your My GM Rewards Mastercard from XX/XX/XXXX through XX/XX/XXXX, up to XXXX bonus points.XXXX Here is the footnote per their solicitation : Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX XXXX is the issuer of the My GM Rewards Mastercard . GM is solely responsible for the operation and administration of the points program. For more details about the General Motors points program, including redemption options, go to mygmrewardscard.com. Mastercard and the circles design are trademarks of Mastercard XXXX XXXX. 
XXXX You will qualify for XXXX bonus points for every purchase made using your My GM Rewards Mastercard that posts to your account during the promotion period from XX/XX/XXXX through XX/XX/XXXX, up to five ( 5 ) separate purchases for a maximum of XXXX total bonus points. Purchases do not include fees or interest charges, cash advances, wire transfers, unauthorized or fraudulent transactions, purchases of travelers checks or other cash equivalents, postage stamps, lottery tickets or similar betting transactions. Posting times vary by merchant and returns or exchanges may impact your eligibility for this offer. This promotion is only available to Cardmembers who directly received this offer and it is not transferable. Bonus points will be credited to your My GM Rewards Mastercard account within 1-2 billing cycles following promotion end date. Account must be open and in good standing at the time of fulfillment. Goldman Sachs Bank USA reserves the right to modify or revoke offer at any time I did this and made 7 purchases starting on XX/XX/XXXX and ending on XX/XX/XXXX. I never got the points promised which equates to {$250.00} in purchasing power with GM. I contacted the GM reward center by phone on XX/XX/XXXX. They told me to submit this problem in writing via email to them. I did that on the same day. I got no response. I sent another email to the rewards center on XX/XX/XXXX and got no response. I called back on XX/XX/XXXX and told them what I had gone through. They acknowledged that they had received my email and that it was still being processed. Nothing has happened since then and I never got the points which is false advertising. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to remove the incorrect address 's off my credit report for quite a while but they are still showing. There's address 's that are a result of identity theft.
Product: Vehicle loan or lease

I just received my credit report and noticed an unauthorized vehicle loan that I never authorized. This has been a rough time during the pandemic tragedy
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.I 'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) .For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and conrm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately.
Product: Debt collection

My attorney contacted Fair Collections & Outsourcing ( FCO ) in regards to a debt with their client, XXXX XXXX, regarding the amount of the debt being unsubstantiated. 
FCO has failed to provide complete billing to demonstrate where all charges are from. I have disputed, multiple time with each credit bureau, this fact and each time FCO responds to the dispute that the debt is collectable and valid, but does not validate the balance owed.
Product: Debt collection

I HAVE BEEN TRYIN TO FIGURE OUT WHO XXXX XXXX IS ON MY CREDIT REPORT STATING I OPEN AN ACCOUNT WITH THEM ON XXXX XXXX, 2019. FOR WHAT I WOULD LIKE FOR THIS COMPANY TO PRESENT ME WITH PAPERWORK SHOWING I HAVE A LOAN WITH THEM AND ITEMIZE EACH CHARGE ADDING TO THE TOTAL AMOUNT OF {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and correct them or update them right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a personal checking account with Central bank, I used a referral code to get a {$300.00} bonus, I provided them the referral code as requested in XXXX, met all the requirements for the bonus and then after I met them they informed me that the code would not be honored, however they chose to wait until after I had met all requirements to tell me it was not valid, I would like the bonus to be posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of looking into buying a new home and was discouraged to find out that my credit has dropped immensely which is hindering my ability to close on my home. I am writing this due to non compliance with XXXX, Equifax, and XXXX. They have failed to remove information that was affiliated with personal details that were INACCURATE and challenged in the past. I strongly believe that they are in violation of the FCRA ( Fair Credit Reporting Act ) and are outright refusing to to uphold the law.
Product: Debt collection

I have tried numerous times to contact the collection agency. I have been hung up on while speaking. They refuse to work with me even after providing evidence of payment. The amount owed is incorrect and should only be {$19.00}
Product: Credit card or prepaid card

Noticed a new card opened in my name with XXXX XXXX in mid XXXX. Called them multiple times to advise closing card and to send me to fraud department to get this closed and fixed. Would not inform me of status, would not let me speak to management, hung up on me multiple times when I asked for documentation of fraud being taken care of. Froze my credit and worked with them to send a letter. Still no response and will not speak with me on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my EXPERIAN consumer report that is violation of 603 15 U.S.C. 1681a ( 2 ) ( i ). PLEASE SEE ATTACHED.
Product: Bank account or service

I have a legal agreement with Chase Bank, on repeating payments on my rent to XXXX XXXX XXXX in th amount o {$150.00} each month since XXXX 2015. This month of XXXX 2015, when I receive my SSA on the XXXX and XXXX of the month, Chase debited my account for the rent. It was by legal agreement to be on the XXXX of each month. On XXXX XXXX, 2015, I had {$230.00}, therefore funds to be paid. If they had debited my account the said amount, on XXXX XXXX, 2015, I would have {$380.00} instead I have {$180.00} an difference of {$200.00}. They shorted my account, by not legally debited my account on the XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with Chrysler Capital who sold my information to XXXX without my knowledge, traded information to discredit my credit report.
Product: Debt collection

I am constantly receiving harassing, abusive, and profane phone calls and letters via U.S. mail from Ingenuity RM Representatives in regards to file number : XXXX, Amount : {$200.00}. The account or debt is not my account or debt. The debt was incurred as a result of identity theft. The account or debt is not mine. The account and debt is a fraudulent account and from identity theft. Ingenuity RM is in complete violation of The Fair Debt Collection Practices Act ( FDCPA ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

THE ITEMS LISTED ON MY REPORT ( XXXX XXXX C/O XXXX XXXX, XXXXXXXX XXXX AND XXXX XXXX ) ARE NOT MINE AND IS CAUSING DIFFICULTY WITH MY ABIITY TO PURCHASE A HOME. I HAVE MADE NUMEROUS ATTEMPTS TO HAVE THIS CORRECTED AND AM HAVING NO LUCK THROUGH THE CREDIT CHANNELS. I HAVE PROVIDED ALL INFORMATION REQUESTED FROM THEM AND DONE ALL STEPS THEY REQUESTED FROM ME AS WELL AS PUT A FRAUD ALERT ON MY ACCOUNT TO BE NOTIFIED WHEN ANY CREDITOR ATTEMPTS TO RUN MY CREDIT OR OPEN A NEW ACCOUNT AND THAT HAS NOT HAPPENED. PLEASE HELP ME, I HAVE EXHAUSTED EVERY OPTION POSSIBLE. THIS IS RUINING MY LIFE!
Product: Checking or savings account

PURCHASE AUTHORIZED ON XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX I have contacted the WellsFargo regarding my unauthorized use. I do not own any XXXX and never went to the dealership. I was also in XXXX for a family trip ( XXXX XXXX ). 

I have lost my phone and someone used my Wells Fargo debit card by using XXXX XXXX. 

I need my refund.