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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Goldman Sachs ( Apple Card ) Payment placed on XX/XX/XXXX could not find payment of {$4900.00} an investigation was done internally. 
Provided them with check tracking number, date issued, and the amount. 
Was charged interest because they misplaced payment. 
Contacted issuing bank and they did their own investigation. They stopped payment and re issued it to me in which I then sent payment in a higher amount of {$6700.00} posted on XX/XX/XXXX another payment of {$300.00} posted on XX/XX/XXXX and {$1000.00} posted on XX/XX/XXXX payments posted in XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$1000.00} to Goldman Sachs . 
They charged me interest again. 
A total of {$200.00} in interest which shouldve been refunded. 
Made several complaints between the dates XXXX. 
Kept giving me different information asking for the same proof of payment ( sent via text XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) emailed proof, ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX ) They havent reviewed or documented anything properly. 
Ive been on the phone for almost 2 hours at a time over the last 6 weeks trying to get them to refund the interest including going over every charge made since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file.

Please be advised that this is the 5th time I have sent letters to correct this inaccurate information and that this incorrect information is continuing to do significant harm to me and my family. 

XXXX XXXX account with account # XXXX opened on XX/XX/2016 and a balance of {$0.00}. My records indicate that this account opening date is incorrect, account opened in XX/XX/2016, not XX/XX/2016 and the date of first delinquency was XX/XX/2016, and as such needs to fall off from my credit report immediately. 

Please reinvestigate these matters and delete this disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this XXXX  Reporting agency fail to abide by congress law in reporting fair and accuracy information before disclose on my consumer report, they all so sided with the so call debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) and cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.
Product: Debt collection

Hello. I got a notification on my XXXX about Columbia debt recovery trying to say I owe a year of rent for a place I have never even lived in. They are either trying to find people to pay things that arent owed or there is identity theft going on.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my accounts on my credit report. Please remove all these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX XXXX XXXX to furnish inaccurate information to my credit file. Equifax is reporting XX/XX/XXXX for date of last activity while XXXX is reporting XX/XX/XXXX. This is a 3 month difference. The proof Im providing is directly from my credit report. Due to the reporting of inaccurate information I want the account deleted.
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 and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX XXXX in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

Selene Finance have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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

These inquiries were not authorized by me. I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXX XXXX  XXXX , XXXX XXXX XXXX XXXX $ and XXXX XXXX $ .These following accounts have 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 an account without my written instructions 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I would also need the removal of these inquiries listed below immediately as I were not aware of these either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As per my previous correspondence, I have sought a Debt Validation from your office and have allowed sufficient time for the submission of relevant documentation. My objective is to receive conclusive evidence establishing the validity of this purported debt. I remain unconvinced of my responsibility to settle this account and the associated creditor 's name, as I have no recollection of engaging with them in any capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my checking account on XX/XX/XXXX and XXXX & XXXX XXXXk is reporting to Early Warning Signs that my account was closed on XX/XX/XXXX My phone number on the report are incorrect as well.
Product: Debt collection

XXXX of XXXX : I have an XXXX done on my shoulder to determine if I need XXXX. This is done at XXXX XXXX XXXX in XXXX XXXX, IL. 

XXXX is done, and this all gets billed to insurance. By XXXX of XXXX I have all my bills situated, and run through insurance, have all the statements for what 's due in hand. 

Come XXXX of XXXX I get a bill for XXXX from XXXX Diagnostic Imagining for my XXXX, warning that this bill will be sent to collections if not paid by a date in XXXX. This was the first bill I ever received from them, so I paid it the first week of XXXX. 

Fast forward to XXXX of XXXX I get a collections notice in the mail from XXXX XXXX and XXXX XXXX in XXXX, IL. I filed a claim with transunion claiming I payed the bill, but XXXX XXXX never removed the claim from my credit history. I also sent them a certified letter the first week in XXXX with proof of payment to the original company and they still have not removed my collection from my credit history. 

This never should have been there in the first place, and my credit has taken a huge hit over a bill I payed, and now the debt collector refuses to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON`T RECOGNIZE THESE ACCOUNTS AND INQUIRIES, I HAVE NEVER APPLIED FOR THESE DEBT, WITH THESE COMPANIES I HAVE NO CONTRACTS OR AGREEMENTS WITH MY SIGNATURE.
Product: Debt collection

I received a collections notice for the amount of {$500.00} ; however, I have been on a payment plan for this debt with the provider and it is not late. I have already paid {$200.00} on the debt and am continuing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I have faxed, the attached letter to ChexSystems in regards to the disputes stated : Dear Sir and Madam : I, XXXX XXXX XXXX have received ChexSystems letter, in conjunction with your assigned reply identification number, XXXX, to my consumer file dated on XX/XX/XXXX. This letter is to inform ChexSystems of my disputed items unlawfully reported onto my consumer identification account number, as listed below : 1. XXXX XXXX XXXX ( I had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 2. XXXX XXXX ( I  had never used this name, as a legal reported name, perhaps identity thieves forged my signatures onto unknown documentations. ) 3. XXXX   XXXX XXXX, XXXX, Illinois XXXX ( in XX/XX/XXXX, I was denied by this USPS, this lockbox without an explanation ).
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/year>XXXX  XXXX ID Type : State Identification ID Number : XXXX Address : XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX XXXX report. I have NEVER opened or used the following accounts : Bank : XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  Account # : XXXX Routing # : XXXX I don't recognize the following accounts in question. lm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from My Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong job information on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Checking or savings account

On XX/XX/22 I placed a small order through XXXX shopping at XXXX and paying with Klarna. I recvd a notice from XXXX that they put a {$180.00} hold on my debit card until my order was completed. I then recvd final receipt iao {$140.00} and I was charged immediately the 1st payment XXXX  {$35.00} on my debit card. One of the items-a playpen- was not needed anymore so i reported the return to Klarna and they paused my payments and for some reason refunded my card back the first installment of {$35.00}. They stated I needed to return it to store by XX/XX/22. On XX/XX/22 I took the playpen and the receipt the shopper had attached to the box and returned item to XXXX in XXXX XXXX. They provided a return receipt iao {$75.00} but it was credit back to a card ending in XXXX which XXXX told me is the shoppers card. XXXX will NOT report the XXXX return to Klarna so they are keeping my payment arrangements the same as if I had no return. Both stores keep telling me that I do get my refund iao {$35.00} implying that is for the playpen but it was my first installment that I had paid. I have made numerous calls to all 3 institutions but they are all blaming the other and this is still not resolved. I refuse to pay for an item I no longer have! I only owe Klarna {$67.00} and I need the amount adjusted so I can pay this and be done with all of them.Klarna is about to auto deducted the entire amount of {$140.00} and this is theft of the consumer.
Product: Debt collection

Today, XX/XX/2020, a lady came to my home to serve me with papers for a lawsuit from Cavalry SPV I , LLC. The reason for my complaint is because she came to my home where myself, my elderly parents and my XXXX children reside. My parents both have underlying health issues and are both over age XXXX so high risk for covid 19. My youngest child age XXXX months has a XXXX  XXXX XXXX  and is high risk for covid 19. I am afraid this lady may have put my family and I at an unnecessary risk during the covid 19 pandemic. She was wearing a mask but came closer than the social distancing measure of 6ft to me and I had to touch the pen and clipboard to sign for the papers. I already have had XXXX XXXX over the covid 19 pandemic and my parents being elderly and having pre-existing conditions but mostly my XXXX XXXX old daughter XXXX XXXX and her XXXX  XXXX XXXX. This could have waited until the pandemic is over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX Account number XX/XX/XXXX Date Opened Collection account. {$1500.00} past due as of XX/XX/XXXX. 

I have disputed this several times, however, Experian keeps allowing it to stay, but has never once shown me any proof that i am responsible for this account. I have had state medical coverage for years. I should in no way be held responsible for this balance when state insurance covers anything! What i also don't remember is even going to the hospital around this time. That's what information i have requested. Proof that Experian obtained anything signed by me, from this creditor. It's been almost a year and still no proof. This needs to be removed from my credit asap!
Product: Credit card or prepaid card

On XX/XX/23 I got an email from Bank of America to confirm my email. I ignored it because I do not have an account with them. Today on XX/XX/23 I got a text saying my card was approved and will be sent out. I called Bank of America who said they will cancel it and no transactions have been made.
Product: Money transfer, virtual currency, or money service

Zelle was not marking in fine print of what can happen if you send to the wrong person as well as no warning/confirmation
Product: Checking or savings account

We were notified that due to too many NSF fees our account would be closed. I went to the branch and we discussed our plan to help this situation. Since then I did have two more that I was under impression I took auto pay off because the dates didnt match for a good time to be pulled out. Since that XXXX, 2 business days later my husbands and I were Immediately took from our account login and debit card accessible to be used. We received no phone call warning this or letters for this time of round. We are trying hard and I was just in the branch and its not even been 30 days to get our finances on a new schedule with my husbands new job and the branch went ahead and closed our joint acct. we have a good jobn with income and very confused and upset and hurt this credit union was not more understanding for struggling low income family like ours. We have three kids and we cant afford to just have us cut off with no date of when this would even be effective. Credit union 's are suppose to be helpful and not like your traditional franchise banks. Not one time did the bank reach out for solutions, I had to dig and go up to the bank personally. Even then it was of very little. As a low income mother just working full time to get by, a little more advice and solutions would go further then penalties, and fines everywhere. 

Please help us.. 

Date of birth XXXX XXXX XXXX Name : XXXX XXXX XXXX Last 5 of social : XXXX Joint acct ending XXXX Cell XXXX
Product: Mortgage

Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable.
Product: Credit card

I opened a Home Depot Credit Card account on XXXX XXXX, 2015 to purchase an appliance ( Refrigerator ) at a Home Depot Store in XXXX XXXX. The appliance was schedule to deliver on XXXX XXXX, 2015. When Delivery Company ( XXXX XXXX ) personnel arrived to make the delivery, they ( XXXX XXXX ) say that the refrigerator was n't going to fit through the door and that they were not going to be responsible if the appliance gets damage in the process. Therefore I refused the item and call Home Depot to report that I refused the Item. I even went to the site Store the same day to report that I refused the Item. Weeks later I received the bill for the item, I call home depot once again to reiterate that I refused the item and they responded to me saying that they have proof of delivery ( POD ) with a signature of person name XXXX, I clearly told them that the signature it was not mine or anyone in my home. No proper investigation was conducted by the Home Depot store nor the credit card company, and now they are billing me for something that I never received. I reached out to both Home Depot Corp and City Bank/Home Depot Credit Card to ask for help, both told me that there was nothing they could do.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigaton on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures so assure the maximal possible nocuray of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any feinvessigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the intormation 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 fie of the consumer, of modify that item of information, as appropriale, based on the resus of the feinessigation; and ( i ) promptly notity the furnisher of that information that the information has been modified or deleted torn the fle of the consumer. 
Please remove the foliowing items from my credit report, immediately. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good morning I started doing online payment each month without communicating with any rep because is only from Monday to Friday, and I can get a time on working hours, I went to the Hospital website and I started payment each month and I keep receiving letters that I owed same amount of Money, I keep all documents on record, I believe a fraud is on one of those part involved, any payment Have been posted,
Product: Debt collection

I sent UCB a verification letter on XX/XX/2021 and UCB has violated my XXXX rights by obtaining and having my medical records release to them. I have never signed a XXXX form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. Thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

Date of event XXXX-Navient withdrew {$690.00} from account for payment, claimed that application was not signed. When submitted it was signed electronically. When called the services stated they would credit funds back to account. As of XX/XX/19 no sign of such has been indicated on the account. I am a XXXX employee and the deduction will leave me unable to pay my bills and purchase gas for my travel to work. This is an extreme hardship that I can not possibly afford. The worst part is my bills are on auto draft. This will equate overdraft fees of {$24.00} per draw. The last time I had an issue with Navient I was charged {$96.00} in overdraft fees that I was never reimbursed. As a XXXX   employee I have very little cushion outside my monthly expenses. Like most Americans I do not have a large saving that can sustain me past this debacle.