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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report and the negative items that are currently listed. Upon reviewing my report, I have noticed several discrepancies that require immediate attention. 

Firstly, there are two addresses listed under my personal information that are not correct. The first one is located at XXXX XXXX XXXX XXXX, TX XXXX and the second one is located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Please remove both of these addresses immediately from my report as they do not belong to me. 

Secondly, I have noticed that two employers have been listed on my report that are not mine. The first one is listed as " XXXX XXXX '' and the second one is listed as " XXXX XXXX XXXX XXXX ''. Please remove both of these employers from my report immediately. 

Furthermore, I have noticed several inquiries on my report that I do not recall authorizing. The companies listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all of these inquiries from my report immediately as I have no recollection of authorizing them. 

Additionally, there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and My Community XXXX Please investigate these accounts and remove any that do not belong to me from my report immediately. 

Lastly, I have noticed that several inquiries on my report have violated Metro2 reporting compliance by not reporting their contact information. The companies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove all of these inquiries from my report immediately. 

I request that you take immediate action on the above discrepancies and remove any negative items that do not belong to me from my credit report. I appreciate your assistance in this matter and look forward to your prompt response. 

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

Trans union and XXXX are reporting my credit cards are not paid off but they are it's keep showing I owe money. Also on my credit report it has addresses on there I never ever lived at I lived at my current address my entire 45 years of living I have never lived outside of XXXXXXXX XXXX XXXX
Product: Debt collection

Arnold Scott Harris, the collection company - that poses as a law firm -for the XXXX of XXXX XXXX of finance ( parking and red light camera violations ) is a highly disreputable company that we have had the unfortunate opportunity to interact with on numerous occassions. They fraudulently over-collected over {$320.00} in the past 5 years. Since moving out of XXXX in early XXXX, they have been trying to collect on an additional {$450.00} of disputed, value-tripled tickets. Their newest tactic, after threats of legal action and wage garnishment, is to call my phone at XXXX in the morning on a Saturday. They know we have relocated to New Mexico, as they have sent written correspondence to our new residence, so there is no excuse for not being aware of the difference in time zones, particularly on a Saturday morning.
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 XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX : # XXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Incorrect information on credit report Account Staus incorrect Have you tried to fix the problem with the company Select Yes Did you request information from the company Select Yes Did the company provide the information No Next What Happened XXXX XXXX following Recently, I did an investigation on my credit report anf found several items on thre to be inaccurate. 

under XXXX XXXX XXXX XXXX ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from the credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a certified letter to requesting proof of debt and the amount on XXXXXXXX XXXX XXXX. I received a notice today from the credit agency stating that the credit agency verified the debt but I have yet to receive any contact from the company.
Product: Credit card or prepaid card

Barclay XXXX XXXX is charging for purchases that i did not make or agree too. They have also contacted the Credit Reporting Companies and Lowered my Credit Rating, which is very Injurious to my Financial Ability
Product: Student loan

Payments were made in XXXX, XXXX and XX/XX/XXXX were made to Sallie Mae Student Loans to pay off the loans permanently. I had called them in XX/XX/XXXX to confirm that the loan was paid off. I was told by a representative my loan was paid off and I was owed money. The representative told me that I was owed a little over XXXX dollars and the change of status in my account would be reflected in the next billing cycle. 

I checked my account in XX/XX/XXXX and the account still said that I owed {$1200.00} but owed nothing current. I left it alone thinking the representative meant the next billing cycle, meaning XXXX. I checked my account on XX/XX/XXXX as a relative notified me that they had called Sallie Mae and made a final payment towards the account even though I had been told the loan had been paid off. I witnessed the payment was in the midst of being processed. I signed into my account again on XX/XX/XXXX. The money transfer had been process and confirmed. The balance for my account was {$0.00} dollars, therefore, the loan should have been paid off at this point. 

I proceeded to sign into my account today XX/XX/XXXX to go over some documents that my relative had requested from me. It was then that I noticed that Sallie Mae reversed the payment back into the bank account that it had came from. And I now owed the XXXX plus an additional XXXX cents of interest accrued. I called to gather information in regards to this discrepancy and I was not given a straight forward clarified answer as why the money was returned back to the account. I was told it was an issue with the bank but was not given further details. This is the 2nd time with Sallie Mae since XXXX that I have attempted to pay off my loans and I am being given a hard time. I am being given false information in regards to my loan and they are reversing payments for no reason and blaming the bank for their mistake. The payment was clearly received and processed correctly. I am filing a complaint because this is highly unprofessional and I would like nothing more than to be done and over with with this company. I only ever received around XXXX dollars of the XXXX I was promised but have yet to receive.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. My personal information has been breached multipletimes. Please remove these inquiries immediately. 
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Student loan

To Whom it may concern, I currently hold a student loan with Discover Student loans. 
I have been making monthly payments since I got the loan. 
This month ( XX/XX/2018 ) I decided to pay the full amount of the loan, USD {$20000.00} I paid before my monthly due date and USD {$57.00} today, XXXX2018. 
The bank argues that due to the fact that it is a large amount of money and that its an international wire transfer, its taking more days than usual for the bank to confirm reception of the funds. 
I already sent proof that the payment was sent. 
The bank has me on 9 days delinquency status since they have not received the funds. 
I am requesting that the delinquency status gets deleted and that my cosigner is not contacted since I already made the payment and sent proof of it. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

It has been 114 days since Comenity Bank has rewarded any of its customers with their reward points due to some update that prevents them from doing it. 

Theyve made little to no communication on it, only state theyre working on it, and have no evidence of such. 

Do not use any card serviced by this bank. They do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying off a car lease they dropped my credit score twice 23 points on XX/XX/2021 39 points on XX/XX/2021 for a total 62 points and ruined me.
Product: Credit card or prepaid card

Capital one sent me a notice that there was an issue with my card and I needed to call and speak to them at a number which they provided. They said I can call 24 hours a day seven days a week. I called the number and it was not seven days a week 24 hours a day it was only Monday through Friday at certain times. So the first time I called it was off hours and I wasnt able to get a call through. The next few times I called the wait was half an hour to 40 minutes and I didnt have time to wait. So I sent them a letter telling them that they misrepresent it the times for the phone number and I need it to efficiently deal with whatever the problem was. Rather than respond to my letter I sent they sent me a letter closing my account indicating I didn reply to their request that I call. them. Ignoring the fact that I sent them a letter. So they misrepresented to me how to get in touch with them and Because they dont have enough operators they close my account which hurts my credit and it seems unfair. I still dont know what the issue was. Please investigate and bring penalties and fines as appropriate.
Product: Credit reporting or other personal consumer reports

I have two issues with Experian. 

1- They are reporting accounts that should be deleted/blocked/suppressed as they are related to fraud. I have sent documents to them several times via experian.comXXXX and they keep telling me they dont have them.

2- They are reporting a bankruptcy that they should not be. I disputed it with them and they referred me to a third party company called XXXX. I contacted XXXX and they responded telling me they contacted Experian by Experian never responded. I also contacted the court associated with the dispute and the court responded saying the case is not mine.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX. 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 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: Mortgage

I sent the Copes of the taxes and closing Statements I am XXXX veteran 100 % and the flood from XXXX XXXX so many times also the taxes the house was not built in 2023 plus i bought it XX/XX/2023 so they paid the taxes and my payment to XXXX, I a 100 % service connected XXXX veteran and do not have that kind money unable to work XXXX XXXX XXXX survivor!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. 

XXXX XXXX ACCT NO : XXXX XXXX XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX opened the collection account on XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX  for the amount of {$1800.00}. This company never contacted me until they reported me to Experian in XX/XX/XXXX. This is an unfair collection because I terminated my lease under Section 92.054 ( b ) of Texas Property Code due to an unlivable condition in my apartment unit that last for two weeks ( XX/XX/XXXX - XX/XX/XXXX ) due to electric outage and flood from the winter storm. The Texas Governor 's Office also issued a disaster declaration on XX/XX/XXXX. The apartment management was unwilling to move me to another unit without paying extra, which I have that right as a tenant. Additionally, water removal and moisture mitigation were improperly done, resulting in molds and more water. I decided to exercise my right and terminate my lease under Section 92.054 ( b ) of Texas Property Code, which provides the right to terminate the lease without penalty as well as to receive pro-rata refund of the rent and the security deposit. All I wanted was to have a place in a livable condition that this apartment complex failed to provide. 

I have also tried to dispute this report through Experian but without success. I believe that Experian has violated violated the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries. To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. i did not secure an account with any of the tollowing companies which is securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX VIA DEALER XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX  XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXXXXXX XXXX XXXXXX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXXXXXX VIA DEALER XX/XX/XXXX and all other pulls from this company XXXX XXXX VIA DEALER XX/XX/XXXX and all other pulls from this company XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX and all other pulls from this company XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Money was taken out of my account, that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiries were submitted without my consent XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Data Inquiry Date XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX
Product: Debt collection

Recently, I ordered the most recent copy of my credit report and recognized an account that I have no knowledge of being reported by the credit bureaus and XXXX XXXX XXXX. My credit report reflects that this account was opened on XX/XX/2023, with a balance of {$980.00}. 

As aforementioned, I did not open this account. At the date the account was allegedly opened, I was incarcerated in the XXXX XXXX XXXX XXXX. Attached to this formal complaint is documentation proving that I was incarcerated and was not released until XX/XX/2023. 

Furthermore, I have attached a copy of my FTC Identity Theft Report and Affidavit. Please remove this account from all my credit reports. Under the Fair Credit Reporting Act, it is my right to report fraudulent accounts and your corporations must initiate a reasonable and thorough investigation.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent. They were opened/used without my permission. I talked to the banks and they requested I file a report with the FTC and list what happened. I have no knowledge of the events. 

These accounts are reporting to my credit and I do not recognize them. Beyond these facts I do not have any other information. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I opened a business checking account with BOFA, in XXXX NY, on XX/XX/year> with the promotional offer for {$200.00}. The offer required depositing $ XXXX within 30 days and maintaining the balance. I met the requirements and have yet to receive the bonus. The account was opened with XXXX XXXX XXXX. XXXX XXXX assured me that the promotion was associated with my new checking account. I have reached out to BOFA on several occasions and have been unable to get this matter resolved.
Product: Debt collection

Jefferson Capital Systems has been harassing me for over a year to pay a debt I do not owe. I have responded by mail several times in the last year after receiving these notices. Jefferson Capital Systems has no record of me disputing this debt. They are not receiving my written notices and continue to mail me statements to pay or dispute it. The debt is {$2000.00} and was sent to this debt collector from XXXX for a cell phone service I never had. The debt collector Jefferson Capital Systems purchased the debt in XX/XX/XXXX. Since they purchase the debt they have been sending me letters by mail and calling me repeatedly multiple times a day. I called them today XX/XX/XXXX to report this debt as fraud. They told me records show this is a legitimate debt and offered me a pay for deletion amount of {$920.00} if paid by XX/XX/XXXX. I told the agent I would call XXXX to verify the legitimacy of the debt. I called XXXX and was told they could not disclose any information to me about the cell phone account since the debt for the account had been sold to the debt collector Jefferson Capital Systems along with all the records. The debt collector isn't providing me any information for me to validate this charge is legitimate. I have expressed to the debt collector and XXXX this account is fraudulent or completed without my consent. Both companies are unwilling to provide me the signatures, dates, times, or where the original order for services was placed with my consent or signature. This leads me to believe they do not have any records to confirm the debt is legitimate and not fraudulent. They continue to say it is legitimate without providing me proof. I am not willing to pay for a debt I am unable to confirm. I have had XXXX XXXX XXXX XXXX for my cell phones and use to use prepaid services before that through a government assistance program. I am concerned someone placed an online order for services using my information in XXXX of XXXX. I am not able to confirm if this happened since XXXX or Jefferson Capital System can not tell me where, when, and how the services were signed up for. If the order was placed online and without my consent and someone was paying the bill, this is a fraudulent purchase. I can provide proof that I was using a government funded cell phone in the year XXXX, I have a food stamp letter when I was using the assistance programs. I can also provide proof of how long I have had my XXXX XXXX. I have never provided a signature or entered a XXXX XXXX to make a purchase using my banking card. Please help me get this removed from my credit report or at least help me in getting the debt collector to give me proof this charge is valid, when and where was it signed up for, how was my information used, so that I can file a police report and start the process of identity theft. I am not sure since it was done back in XXXX what my options are to report to authorities due to statue of limitations but I will do whatever it takes to prove this account was not created or given consent by me. Thank you for your help!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and identity theft. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to prevent further harm. 
Accounts to Block and Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX