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

These below closed account, and hard inquiry, I have NO knowledge of any of these, and they need to be removed from my credit report, IMMEDIATELY. 

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX  I presume that no proof of the alleged debt, nor therefore any debt, in fact therefore exists. I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

Credit Card Closed Account : XXXX XXXX XXXX - {$5.00}, XXXX ( Closed Account ) Hard Inquiry : XXXX XXXX ( Bank ) XXXX XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated WITH MY SIGNATURE ON IT per U.S. Code 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have fulfilled my request, email me an updated credit report reflecting these changes. 

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

I am submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I am in need of your immediate attention regarding the following items : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Product: Money transfer, virtual currency, or money service

Two separate E-Mail request/notifications received that {$600.00} will be " automatically be deducted '' from my PayPal account XXXX dated XX/XX/2022 and XX/XX/2022 from an E-Mail address # XXXX and another from " XXXX XXXX XXXX XXXX ) '' with a telephone contact number to reply. I DID NOT MAKE ANY SUCH TRANSACTION and called the E-Mail senders contact telephone number ( XXXX ). The contact telephone was only a scam to get more of my personal information. Upon trying to research a legitimate telephone number none was listed for XXXX XXXX XXXX XXXX Many many years ago I had an account with PayPal. Paypal Company should not use my account!
Product: Student loan

As both a parent and co-signer on my daughter 's loan, I've received notification that there remains a balance of {$4500.00}. Despite numerous phone calls and letters to Sallie Mae, the loan servicer, they insist the balance is outstanding. This loan was discharged through XXXX XXXX  bankruptcy, a fact I've communicated to them with supporting documentation sent to multiple addresses. Additionally, I've sought legal assistance, resulting in a letter from my lawyer reiterating the loan 's discharge. However, Sallie Mae maintains that while payments were made, the balance persists. I possess detailed records, including a balance sheet and proof of payment dates and amounts, which were forwarded to Sallie Mae. Furthermore, I've received confirmation from the court 's paralegal that the balance has indeed been settled in full.
Product: Credit reporting or other personal consumer reports

I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody that can do it, a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account ( XXXX XXXX ) I understand the importance of following the Commercial codes in reference to this account. -UCC 9 Part 6, UCC 9-611 -UCC 9 Part 6, UCC 9-611 -UCC 9-614 ( a ), for proof that the presale letter was sent, and all requested information is included. 
-UCC 9-616 ( a ) ( 1 ) ( b ) ( c ) ( d ) ( 2 ) ( c ) -UCC 9-616 ( b ) ( 1 ) ( a ) ( b ) ( 2 ), for the post sales letter. 
- UCC 9-27 requires that any transaction involving this account should be commercially reasonable. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Sincerely, XXXX XXXX XXXX
Product: Debt collection

The company synchrony also offers cards for bealls stores. I reported the theft of my card and fraudulent charges to both bealls and Belk aka synchrony bank and they wiped out the card with bealls but have pursued me even after many requests for proof it was me and never providing it and me telling them it was theft and not me and now they've sold the debt to a Third party who is suing me for it.
Product: Debt collection

Transunion is fraud they have not fixed my fraudulent debt owed and attempted to call me several times I did not answer nothing has changed I have collection pending with an additional charge of {$11.00} dollars fraudulently charged on account. They're are in cahoots with these debt collection agencies to collect debt fraudulently. Transunion Is the only company showing have debt! XXXX and XXXX show excellent credit. Transunion continues to circumvent the law they need to be shutdown forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft by a person living in the state of Texas. I have always lived in the state of California. 
I submit a police report, credit made by a person who stole my identity and bank statements showing that I have lived in California. 
My credit report shows a debt on behalf of the company " Innovation Recovery , Inc. '' for the lease of an apartment in the city of XXXX, TX, during XX/XX/XXXX to XX/XX/XXXX. This contract was signed by a person who stole my identity in this state, the signature and contract information do not correspond to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX XXXX : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX  XXXX XXXX XXXX : {$530.00}
Product: Debt collection

I have two collections that appear through a company I never even heard of Portfolio. I have not done business with this company nor owe them anything. I have not had a collection account in over seven years. This is inaccurate!
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 consumers rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX15 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 item 's information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

Previous Successful Complaint IDs : XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX  ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Reports To Equifax, XXXX XXXX Inaccurately & Inconsistent ) XXXX - {$2100.00} ( Reports To Equifax, XXXX XXXX Inaccurately & Inconsistent ) XXXX XXXX - {$3500.00} ( Reports To Equifax, XXXX, XXXX - Inaccurately & Inconsistent ) Portfolio Recovery - {$460.00} ( Reports To Equifax, XXXX, XXXX XXXX Inaccurately & Inconsistent ) 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, credit repair services, or other personal consumer reports

Wells Fargo is AGAIN, continuing it well documented XXXX XXXX negligent reckless XXXX suppression conduct. Per the attached documentation, I was provided with a modification of my mortgage Equity line of credit XX/XX/XXXX to start with the trial payment of {$580.00} XX/XX/XXXX. I accepted the offer and have made EVERY payment on the trail period, and the actual approved equity line modification to date XX/XX/XXXX. 

The previous monthly payment amount of as shown on the attached XXXX credit report dated XX/XX/XXXX was {$1600.00} per month which NO LONGER existed starting XX/XX/XXXX per the loan modification approval letter, and above mentioned payments ... 

On my most recent credit report dated XX/XX/XXXX, Wells Fargo is showing me as paying late from XX/XX/XXXX to XX/XX/XXXX which is incorrect relative to the attached  loan modification approval letter document, and equity line mortgage document agreement signed between us!
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 under confidentiality under 15 USC 1681 XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15USC1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 USC 1681subsection 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: Debt collection

Requested validation of debt investigation from all three credit bureaus and the company and was ignored by all three. This debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 AFTER COVID!! I ran my report and noticed that an account for XXXX XXXX was opened! Well I immediately called and reported it. Had account closed! Well now XXXX XXXX years later Im thinking it is off my report and just couple days ago they report it as a charge off for XXXX XXXX yrs later after I called immediately when I seen this was on my report! This was to be taken care of and I was insured that I would not be responsible since I DID NOT DO THIS! As much fraud that went w/CovidSomeone used my information from that XXXX store to obtain an account. We left the store and didnt even get phones!!
Product: Student loan

I have a Parent Plus Loan that I have been paying on time, diligently for what seems like forever. I also co-signed a small student loan for my son. He has not been making the payments. I have bailed him out twice and decided I would not do that anymore. I have been getting threatening letters so I spoke with Navient today. I told them I would brorrow money from my bank to pay off his loan. They quoted me {$4200.00} to remove all my obligations from this loan. I asked them to place a letter in my credit record stating I was a co-signer for this loan and lived up to my obligations. They stated they will not write that letter. Is there any legal reason they can not place a letter in my credit record?
Product: Vehicle loan or lease

Capital one has reported to credit bureau I have not made a payment to them the entire year of 2024 and I have bank records showing I have made payments ( some a little late but that's due to the date and them not allowing me to change my due date ) but I paid those months.
Product: Credit card or prepaid card

I bought 2 tickets to the XXXX XXXX : The Immersive Experience for {$120.00}. I assumed it was through a company called XXXX XXXX. However, the company was actually called Fever using the name XXXX. Multiple news outlets have reported that fraudulent ways XXXX have misled customers. 

I tried to reach out to the company and did not hear back. I also tried to dispute with the credit card company and did not get an affirmative resolution.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous disputes submitted on dates XX/XX/2024, XX/XX/2024 and XX/XX/2024 regarding fraudulent accounts that remain on my credit report despite clear evidence provided that they are not mine. I have attached copies of my original dispute letter and supporting documentation for your reference. These accounts in question are as followed ( see attachment ). Under the fair credit reporting act ( FCRA ), the credit bureaus are required to conduct a reasonable investigation of disputed items and remove unverifiable or fraudulent information. To date I have not received a satisfactory resolution or explanation regarding these disputes. As further evidence of fraud, I have included a copy of my driver license, proof of address, and FTC identity theft report. Please conduct a thorough investigation into these accounts and provide a written explanation of the steps you have taken to verify their accuracy. If the accounts can't be verified, I request that they be promptly removed from my credit report. Failure to address this matter promptly may result in other appropriate authorities. I look forward to your resolution of this matter, Please provide a response in writing within 30 days, as required by the ( FCRA ).
Product: Vehicle loan or lease

I have an auto loan account with Statefarm ( EMVLP LLC ) as well as other products. I have been a customer with them for over 8 years. For this particular loan, in XXXX XXXX XXXX I was late on a payment. I took the extension that was offered but due to the pandemic and loss of employment, I was still behind and missed one payment. Ever since I caught up I have not been late. I have emailed the CEO XXXX XXXX and talked to a supervisor by the name of XXXX for a courtesy update and a goodwill removal. They were not polite with their responses and showed no empathy for my situation as someone who was directly impacted by the pandemic. This is affecting my ability to apply for other loans as it reports on my credit statements as a derogatory mark.
Product: Credit reporting or other personal consumer reports

I received an email from Experian.com regarding " Opting Out '' of sharing personal information for marketing purposes on XX/XX/2024. 

What follows is typical of any corporations false attempts to comply with privacy laws, I have seen it several times before with other companies. A new law gets passed and these corporations pretend to comply by sending you an email to " Opt Out '' but then providing links that do not work expecting the average person to get frustrated and not have time to follow through. 

XX/XX/2024 about XXXX The system tells you to log in, with username and password, and when you try to it tells you they don't have your username in their system, yet if you click " Forgot Username '' they will email you the username that they just said wasn't in their system. Next of course is the password they cant seem to find or the system just reports there was an error while trying to send it you. This is the constant run around they do until you give up and they just go on to sell your data and pretend they never heard from you.

When you do start investigating everything connected to the email via links to Terms and policies you notice things like they never actually mention which law they are complying with so to further keep someone from reporting their violations of it. Any telephone numbers provided absolutely refuse to let you through to a person using clunky automation systems, to provide these criminal companies cover that you never spoke to them.

Contacted both numbers in their policies page around XXXX ( XXXX & XXXX ) and tried multiple times. Phone systems are designed to keep looping you around and telling you to go back to the non functional website pages. Spent an hour doing this.

Again this is a typical repeat of the process these corporations all employ to keep selling peoples personal data while feigning compliance with the law, cause they know people are working hard to survive and don't have time to follow through on it.
Product: Mortgage

Hi! Can you please help my family and me? We are now residents of XXXX, XXXX. We had a house in XXXX that we bought on XX/XX/XXXX for {$98000.00}. It was taking 50 percent of our income to pay the monthly mortgage payment. We refinanced with Wells Fargo Home Mortgage about a year and a half later to get a lower monthly payment. We had paid the balance down to {$93000.00}. However, after refinancing with Wells Fargo, they added on fees and things, and the balance went up to {$100000.00}. A couple of years ago, we lost our business due to financial hard times - we XXXX, and our students ' parents said they could no longer afford classes because financial difficulties they were having themselves. We received federal assistance to make our mortgage payments for two and one-half years. We got the first year 's assistance with no strings attached. We got more assistance on the condition that I go back to college and get another degree. I earned a XXXX degree in eleven months, but still could n't get a job with it, and now I owe {$33000.00} in federal students loans - but at least they 've been deferred for a while. There is a clause in the federal mortgage assistance agreement that if we moved out of the house before five years had passed, that we had to pay them back what they had paid on our mortgage. We still were n't making enough money, and I moved my family to XXXX hoping to find better jobs. Recently, Wells Fargo agreed to work with us to do a short sale. We got a realtor. The house was appraised at only {$60000.00}. We still owed {$87000.00}. We had a buyer, who offered {$50000.00}. Wells Fargo hired an attorney in XXXX, XXXX to begin foreclosure proceedings. The attorney sent me a letter saying that they were going to foreclose unless I wrote them saying that we planned on doing a short sale. I did write them back saying that we intended to do a short sale. I accepted the short sale offer of {$50000.00} that the buyer make. I hear that Wells Fargo went ahead and foreclosed and sold the house at auction yesterday. I think that Wells Fargo is breaking the law. I want them sued by the government, and I want for them to pay us {$200000.00} for the trouble they have caused my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX TXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Product: Checking or savings account

My account was accessed from chime over XXXX was used of my money I submitted a claim that was denied again.i put in a rebuttal and it was denied I have police reports and proof I was incarcerated between the dates of XX/XX/2021 until XX/XX/XXXX XXXX purchases made were fraud
Product: Credit card or prepaid card

On XX/XX/2021 I alerted Chase bank that I discovered fraudulent charges made on my business credit card in a different state throughout the entire month of XX/XX/2021. The charges amount to approximately {$22000.00}. I have called over a dozen times and have sent over 10 messages to Chase through my online account. Chase Bank has not resolved my issue. I provided supporting documentation by way of credit card statements that demonstrates I was in my home state of Texas while the charges were being made at the same time in the state of Florida. There is only one physical credit card, and I had it in my possession the entire time and never received an alert from Chase. Since reporting the fraud, I have not been able to speak to an investigator and they refuse to credit back the fraudulent charges. No one has called to explain why they have not credited my account.