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

Re : REQUEST TO REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT To Whom It May Concern, Ive sent this complaint to your credit reporting company in request to REMOVE AN INITIAL FRAUD ALERT AND REMOVE AN EXTENDED FRAUD ALERT appearing on my credit report, under the Fair Credit Report Act you are required to comply with my request, I know that your company will need some sort of verification to prove my identity. My documentation is clearly enclosed and attached. Thank you!

After these FRAUD ALERTS has been REMOVED, please send me written confirmation to the address as it appears on Government Issued ID and bank statement. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ENCLOSED ARE THE FOLLOWING THREE DOCUMENTS THAT VERIFY MY IDENTITY GOVERNMENT ISSUED ID/SOCIAL SECURITY CARD/BANK STATEMENT
Product: Mortgage

The company issued a check to pay back taxes in the amount of {$11000.00} however I only owed {$3600.00}. Transcripts from the IRS as well as copies of tax returns were provided SEVERAL times however they refused to correct the error. I was left with having to send the entire amount to the IRS and then wait for a refund which will tax months to receive. The person handling the issue, XXXX XXXX was totally unhelpful and unreasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting on my account since XXXX of XXXX  with a {$1000.00} credit limit. Never used but they show it never late paid on time. They are now reporting the account closed since I disputed it with the three agencies. The problem is I never had this account. I am sure its some kinda credit card but I have never had mail from XXXX XXXX XXXX. Either this is credit fraud or improper reporting to my credit report. If they so easily closed the account after my dispute with the three agencys then its not a problem them removing them self all together, or provide me proof I opened an account with them, and how I opened this account!
Product: Debt collection

I was informed of a collection on my credit report. The collection is not mine. I am not sure where this is coming from. I have reach out to the credit Bureaus and they say I need to file complaint with you. I have reached out to collection agency and asked for proof what they are claiming is mine but, they were not able to provide supporting documents. They stated that I need to contact the credit bureau to get this removed. This is fraud and I need this disputed and removed please. This is affecting my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to find accounts listed that I have no knowledge of. These accounts are being reported under my name without my authorization or awareness, and I have never opened or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I contacted transunion to dispute inquries on my credit report and noticed an extreme amount of inquries on there. I asked them to be removed due to me not given authorization for any company listed below to run any credit. I was told that I was not able to have them removed off of my credit report. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX of XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX To Consumer Financial Protection Bureau, Hello, on XX/XX/XXXX I filled a dispute charge with Care Credit. On XX/XX/XXXX I had payed a dentist to place implants in my mouth ( XXXX ), service charged to Care Credit in the amount of {$8600.00}. Days after the job was done I noticed a problem - one of them was too small. I contacted the dentist and he wasnt willing to fix the problem. I tried again. 

I finally filed a complaint with Care Credit requesting some money back - the implant was defective and needed to be replaced. I gave them plenty of information, pictures, a letter from another doctor, etc I got an answer back from them on XX/XX/XXXX. It stated that they considered my case a quality issue and could not judge the quality of merchandise received. Then went on to tell me to work directly with your merchant to reach a resolution for your concerns. I appealed their decision and their answer was that Synchrony bank is unable to intervene in this matter, due to a purchase agreement you entered with the provider. You signed the providers contract consenting to potential risks and complications. 

Care Credit was visibly trying to side with the doctor. That contract says nothing to acquit him from a bad job. In fact it helps me. The problem was caused before the XXXX not after. It was intentional, not consequential. Care Credit was acting like a MEDIATOR between me and the doctor, I could have gone to another institution for that. They just wasted my time. I had already tried that on my own and the result wasnt satisfactory. The doctor is very good at writing nice letters but his demands that I sign an unscrupulous document releasing him from any responsibility is unacceptable. He didnt act in good faith. Yet Care Credit keeps telling me to work directly with the provider. 

I went to the Care Credit Dispute Department to request money back so I can finish my treatment anywhere I choose. It shouldnt be a decision Care Credit makes for me. If they can not make a judgement on a simple case such as mine, how are they able to judge on any case medical related at all, considering they are a medical related card? 

I finally got the answer I was looking for. As I spoke with one of their Dispute Department representatives last week I asked her why they had a Dispute Department if they are not able to judge, and she said that they are requested to have the XXXX - by law. That means their department is only a facade. Thats a disservice to their card holders. Im requesting CFPB to make an investigation on Care Credit Dispute Department Practices, and that they remove any late fees and interest fees from my account. 

Thank You Very Much,
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I filed a police report and FTC report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 requests Equifax hasn't provided me with my Annual Credit Report. Details of the problem are in my XXXX e-mail to Equifax CEO, XXXX XXXX. >>>CFPB- If the file hasn't gone through then I need an e-mail address, so I can provide this communication to the Complaint<<<
Product: Money transfer, virtual currency, or money service

XX/XX/22 I was attempting to buy tickets to an event using XXXX. Once I transferred the money for the digital tickets the seller never responded and I never received the digital tickets. I submitted a fraud claim to Huntington bank for the amount of {$800.00} which is the amount that I transferred to the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau to let them know once more that I was a victim of identity theft. I wish to challenge any unauthorized inquiriesthat are appearing on my credit report, but it appears that the credit agency doesn't give a XXXX. I need the inquiriestaken out of my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly reporting to XXXX ; Experian and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus  to fix this, however I have not been successful.
Product: Payday loan, title loan, or personal loan

I originally took out a loan on XX/XX/XXXX through the company XXXX in the amount of XXXX XXXX This amount came to me as a borrow and save plan. They gave me a cash amount at the start of the loan in the amount of XXXX XXXX and the remaining balance would be placed into a savings account as I paid a biweekly payment of XXXX XXXX until the balance was reached and paid in full. On XX/XX/XXXX the account was transferred to a different company called SST, Or Systems and services technologies inc. at this time I was advised that no changes will be made to my original contract and that SST would be handling my account further. I was also advised that the savings account that was originally set up by XXXX XXXX XXXX in part with the XXXX account, would be safe and secure and released to me 14 days after the final pay off was made. On XX/XX/XXXX, I made the final payment of XXXX $ to SST. This left my savings account balance at XXXX $ that would be sent to my checking account 14 days after pay off was made. I was advised when calling to make that final payment that I would get the funds my XX/XX/XXXX. I called on XX/XX/XXXX to make sure that my account information was received correctly and I was advised that they had all of the correct information and that the funds would now be released on the XXXX day after final payment and the call center rep stated that I should receive the funds into my account by XX/XX/XXXX. 

I reached out to SST today XX/XX/XXXX at the number XXXX to inquire what the status was of my savings account balance being released to me. The agent stated that there was no time frame available to give me as to when I would get my money. She stated that cross river bank had the funds and were holding them and many accounts were not granted their savings returns. I asked what I needed to do to get this money that is owed to me per my original contract with XXXX and she stated that all she could say was to wait and see if they arrive. They have no information on where my money is, but they received my final payment. As per the contract I was supposed to have the funds sent to me within 14 days. At this time there is no movement being made by SST to pay me what I am owed per the contract I signed. At this time I have no clue if I will ever see these funds. I discovered through various reviews of other customers that this is an ongoing issue with this company and no one is getting their money from their borrow and grow accounts as originally planned. This is very frustrating and bad business. I simply want the money that I paid into this account that I am owed. At this point I have paid more than both the original cash amount given and interest have accrued and they have essentially stollen XXXX $ from me with what seems to be no intention of paying it back.
Product: Checking or savings account

This is for claim # XXXX Back in XX/XX/XXXX to about sometime in XX/XX/XXXX I had fraudulent transactions occurring on my account in the amount of about {$2200.00}. During XX/XX/XXXX to XX/XX/XXXX I was incarcerated in jail for unpaid traffic tickets. I couldn't possibly have made those transactions as I was in jail. I immediately contacted Bank of America about the fraud as soon as I was released and I became aware of the fraud. After I opened the claim I uploaded documation proving that I was incarcerated during the time of the disputed transactions proving that I couldn't have possibly made the transactions as I was in jail. Then sometime in XX/XX/XXXX the claim was denied and my prepaid account was closed. Then sometime in XX/XX/XXXX the claim was reopened by Bank of America. It has been now almost 3 years and the bank says that the claim is still under review. I call in at least a few times a month with no updates other then it's still processing. Then sometime in XXXX the bank sent me a check for {$950.00} ft or compensation for not allowing me to access the funds in question. I don't understand why the bank would even compensate me for this if they weren't going to approve the claim. I called and asked the bank why they did this and they said that was separate then the claim. But if the bank wasn't going to approve it then why would they even compensate me at all. It doesn't make sense. I have also requested all of my banking statements for my account as well as all documents pertaining to the claim. The bank is yet to provide me with any of this. Please I really need the money that was stolen from me back and I really could use it right about now to avoid becoming homeless.
Product: Credit reporting

I have submitted dispute letters to all three credit bureaus because all the things I was disputing was n't accurate, was n't mine or the same account being placed on my report triple or more then triple time. .Under the Fair Credit Reporting Act, 15 U.S.C. 1681g That I have the right to demand that they disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting in my credit report. I ask them in the letter please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
Plus, all my loans was discharged later after my third dispute letter request was sent to the credit bureaus. I also fax the letter from Department of Education that stated all my student loans was discharged. On XX/XX/2017 I well be faxing in to each credit bureau NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 letter.
Product: Credit reporting or other personal consumer reports

hello i obtained my report and noticed some credit card accounts on there reporting as closed that im unaware of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 
Account Name : XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage does not respond to my requests. It is impossible to contact them by phone, all you get is prerecorded messages. I tried contacting them by the website and they did not honor request. My insurance has increased dramatically and I wanted to shop around for a new policy but instead of working with me they went ahead and the policy. Now my payment will go up AGAIN and they will not let me try and find a more reasonably priced policy.
Product: Credit reporting

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED TO KNOW THE REASON WHY THE ACCOUNT OF XXXX. XXXX XXXX CORPORATION STILL REMAINS NEGATIVE ON MY CREDIT REPORT. YOU HAVE NO IDEA HOW MUCH THIS IS AFFECTING THE OVER-ALL PROGRESSIVE OF TRYING TO REACH MY GOALS. I HAVE A GOAL-SET IN MIND WHICH I NEED/ AND HAVE HAD MY FOCUSED ON FOR THE PAST COUPLE OF MONTHS NOW. I HAVE ATTEMPTED TO REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT SINCE XX/XX/2018. NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT HAS NOT BEEN REMOVED. I HAVE NOT RECEIVED ANY RESPONSE IN REGARDS TO THIS FROM EQUIFAX, PLEASE REMOVE THE ACCOUNT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have identified incorrect information on my credit report, which I believe violates 15 USC 16c-2. This inaccurate information is negatively impacting my creditworthiness.
Product: Checking or savings account

Applied for a new XXXX checking account on XX/XX/XXXX that had the following terms : Earn {$400.00} when you open a new checking and savings account in the XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days 6 months later on XX/XX/XXXX, chatted with XXXX Chat representative XXXX regarding the {$400.00} bonus and how the requirement was met a long time ago. Her reply to me was " We just received a response today from back office that the cash bonus of {$400.00} will be credited to the account. Please give us 1-2 business days for the bonus to be completely posted to your account. '' Today, XX/XX/XXXX, the bonus has not been posted. I applied for this checking account promo bonus over 6 months ago on XX/XX/XXXX and met requirements a few days after. It has been over 120 days since I met the requirements despite XXXX stating that the bonus would be posted within 60 days of requirements being met. Which has not occured. 

Seeking a prompt resolution to this matter as XXXX has been notorious in the past of forcing customers to file a dispute to earn their earned bonuses.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I have a loan with XXXX XXXX XXXX, XXXX XXXX XXXX, and ARS ACCOUNT RESOLUTION. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX, and ARS ACCOUNT RESOLUTION with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$930.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX XXXX : {$930.00} US DEPT ED XXXX XXXX : {$1300.00} XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXXXXXX.