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

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not minded accounts. No knowledge account. 



DEPT OF ED / XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
Product: Debt collection

XXXX XXXX XXXX acct # XXXX balance XXXX XXXX XXXX acct # XXXX balance XXXX XXXXXXXX XXXX XXXX acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 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. 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 a 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. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
Product: Debt collection

This company has not notified me of a collection nor have they sent a signed copy of a contract that I have an account with them or any other creditor. They have added this account to my credit with XXXX as late. Im not sure how I can be late for something that was paid in full to the original creditor. This is the companies second attempt to collect on a paid account. This was disputed back on XX/XX/XXXX and removed. Now they come back reporting in on XX/XX/XXXX as a late account advising that it was their account since XX/XX/XXXX. Please explain how. This is inaccurate reporting and I have contacted council to start litigation in small claims court. They are liars and report anything. I have paid the original creditor in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. On XX/XX/2022, a hard inquiry appeared on my TransUnion credit report. When I saw that on my credit report, I immediately called the lender, XXXX XXXX. I told XXXX XXXX that the application done under my name was fraud ( application ID number : XXXX ). The XXXX XXXX representative I spoke with stated that they flagged the application as fraudulent, which resulted in the application being denied -- good! However, I mailed TransUnion a copy of my FTC report to dispute the hard inquiry from XXXX  XXXX that I mentioned at the very beginning. TransUnion 's website states that they will investigate the disputes. However, TransUnion did not even investigate anything. I receive a letter from TransUnion stating that my dispute has been denied. Their reason? Their reason was they feel someone tried to remove an inquiry from my credit report without my consent?! I am a victim of identity theft! TransUnion did not even contact the lender ( XXXX XXXX ) to investigate my dispute. XXXX XXXX agrees that this is fraud. Why? Because I was the one who called XXXX XXXX to let them know that it was fraud! AND I mailed TransUnion a copy of my FTC report. Please remove this hard inquiry from XXXX XXXX on XX/XX/2022 from my credit report! This is illegal.
Product: Credit reporting or other personal consumer reports

Sure, here 's a template for a dispute letter to a credit bureau regarding a name and address discrepancy : -- - [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau XXXX ] [ City, XXXX, ZIP Code ] Subject : Dispute of Name and Address Discrepancy Dear Sir/Madam, I am writing to formally dispute incorrect information on my credit report. The report lists inaccurate details concerning my name and address, which I request be corrected immediately. 

XXXX. **Incorrect Name and/or Address : ** - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrect Name and Address : ** - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX These inaccuracies have caused me significant inconvenience and could potentially affect my credit standing. To support my request, I have enclosed copies of the following documents to verify my correct details : Please investigate this matter and update your records accordingly. I request written confirmation once these corrections have been made. If you require any additional information, Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have filed reports for identity theft and have even notified the 3 consumer reporting agencies over 3 months ago and nothing has happened. They have not removed anything nor have they mailed me anything. 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 opened any of the accounts or the inquiries that have included in my reports and they should be removed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Debt or credit management

Midland Credit Management has been garnishing my check for a year and 7 months. I am at my final payment and now they are saying they have not received the payment. The payment has been coming from my employer the same way for a year and 7 months. Now that it is last payment all of sudden, they have not received the payment. The payment was taken out of my check on XXXXIt has been XXXX weeks, and the payment has not updated. I contacted my employer, and they verify the payment was sent to Midland credit management. I reached out to Midland Credit Management on XX/XX/year> and as always received horrible customer service. The lady I was trying to explain my issue to kept over talking me and was very rude. She even stated she does not know why I am going back and forth with her regarding my balance. I asked her and the manager what documents I can provide to show proof of payment that was taken out of my check. I was told there is no document I can submit, and I will just have to wait for payment to be received. I have remaining balance of {$200.00} since XX/XX/year>. A payment of {$140.00} was taken out of my check on XX/XX/year>. It is now XX/XX/year> and another payment will be taken out of my check for the wrong amount due to the balance not being updated. I asked what will happen if an overpayment occurs, will I receive my money back. The manager stated it depends.
Product: Credit reporting or other personal consumer reports

After recent review of my credit report, I found thatXX/XX/XXXX had placed a negative account on my Credit file. I now question the Validity of thst negative reporting. 
First and foremost under the F.C.R.A. it is imperative for companies to accurately report to the credit reporting agencies information that is not only accurate but also precise. In this case the credit report states that there is NO BALANCE on this account. But is still reporting as negative for supposed lates during the periord that this account was open and being used by this writer. I emphatically deny that assertion by XX/XX/XXXX 
I now state for the record that I never paid XX/XX/XXXX late at any time. Therefore if XXXX XX/XX/XXXX is UNABLE to produce PROOF that this cunsummer paid this account late at any time, this negative account must be removed from the creit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently have looked at my credit report after a long time and found many fraudulent accounts reporting in my name. These accounts are identity theft and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, and I demand my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit accounts, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a CREDIT REPORT from each credit bureau in regards to the fraudulent use reflecting on said credit report. Also, I would like to point out, there are MULTIPLE accounts with negative information that all have the same open date and all appear to be from the same original single account, but however now are reporting as XXXX separate accounts on Transunion ( acct # 's : XXXX and XXXX ). On XXXX, XXXX accounts reporting, acct # 's : XXXX and XXXX ). And on XXXX, Reporting as XXXX account, ( ACCT # : XXXX ) All of those accounts are FRAUDULENT and should be removed within the 4 day period that the FCRA outlines under my rights as a consumer. The remaining accounts required to be removed are as follows -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If u fail to grant me my rights under the law, I will be forced to consider litigation. Thank you for your quick response.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX My wife and I entered into a Debt Relief program with XXXX XXXX XXXX ( XXXX -XX/XX/XXXXXXXX  XXXX XXXX ). We had six credit card that we could no longer pay. XXXXXXXX XXXX XXXX ( XXXX XXXX - Agent for XXXX XXXX ) was one of the debts. They eventually sold the debt to XXXX XXXX XXXX XXXX for pennies on the dollar. All the while I had XXXX negotiate all six accounts. 5 of the debts were negotiated and settled at a fraction of the debt. For whatever reason Portfolio Recovery didn't want to settle the account for less than 80 % +. Original debt was somewhere around XXXX but Portfolio Recovery has it at XXXX. I had a relative that was trying to help us get out of debt and offered a 1 time amount of XXXX to settle the account but was turned down. I asked repeatedly from XX/XX/XXXX thru XX/XX/XXXX thru XXXX to reach a settlement with those funds but they wouldn't accept. Finally I withdrew from XXXX. Portfolio Recovery took up the collection battle starting in late XXXX of this year. Since my wife doesn't work and my income has been very little the last few years ( XXXX  XXXX XXXX XXXX ) we do not have the money to pay this debt. We tried but they wouldn't negotiate in good faith.
Product: Credit card

Dear Sir/Madams of the Consumer Financial Protection Bureau : The complaint I am making is about a American Express credit card. In XXXX XXXX XXXX I bought plane tickets on the delta airlines website and was promised that I would get a {$300.00} credit and some Delta miles if I got a AMEX credit card, which I applied for online. Neither Delta or American Express has given me the miles or the {$300.00} credit on the credit card. 

I was told that I had a Delta AMEX card before sometime ago ( 5-6 years ) and that I was not eligible. I was never notified by them during the application process. So Delta and American Express owe me {$300.00} and XXXX XXXX that they promised. 

Ive called AMEX on the phone and Ive also written them, and they are refusing to give me what they promised me. Typical of huge American corporations which take advantage of their consumers, and they do it endlessly and repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Despite my initial communication, TransUnion has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : The information indicating a late payment for the accounts XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26.00} ) is incorrect. I request TransUnion to correct this inaccurate information on my credit report. 

The accounts XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$680.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$600.00}, Original Creditor : XXXX  do not belong to me. I request TransUnion to remove them from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX  Account Number : XXXX Description of the Inaccuracy : I do not owe this debt. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of the account in question, which serve as evidence to support my claim. 

I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution This account is also listed twice which is affecting my credit score and manipulating my actual score. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 

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

I was reviewing my TransUnion report and noticed that multiple phone numbers were incorrect, a nickname was listed for me with a different last name, and the name of my current employer is incorrect. 

My current Employers name is spelled wrong and they are still listing my first job from 7 years ago as my employment. 

In addition, in XX/XX/XXXX, my identity was stolen. My social security number, name, and debit card were used by XXXX XXXX to open an account for someone. One of the phone numbers with the ( XX/XX/XXXX ) area code are listed as being my phone number. 

That is incorrect and despite reporting this to TransUnion, they have evidence confirming this is a phone number of mine. That is simply not the case. I have had the same phone number for 15 years. 

I would really my phone number and employer information corrected. I would also like my nickname to be removed because it is incorrect. 

I am happy to provide any evidence.
Product: Debt collection

I.C. System INC has falsely reported to the credit bureaus that I have a debt collection owed of {$2400.00} from the original creditor XXXX  which is in accurate. I have never done business with this company and appears to be a case of fraud which is adversely affecting me. I do not appreciate being targeted for debt that I do not owe and have never done business with this company.
Product: Vehicle loan or lease

On XX/XX/XXXX I bought a XXXX XXXX Truck at XXXX XXXX of XXXX. The manager raise my salary for get more money and put fees almost over XXXX of the price. On XX/XX/2021 we have a meeting and he told me the price was to high because I bought extra protection and the fee in all of XXXX dealer is {$5000.00} for the shortest of vehicles ; but he put two times taxes and processing fees. The price of my car is over XXXX with the products of proteccin I bought. I cancel almost all proteccin products only keep the gap insurance ( {$990.00} ) and wait for the refund money. I need help to have my money back. Is not nice he do this only because I am old XXXX woman.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, Transunion and XXXX asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report