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

On XX/XX/2017 a balance of {$400.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft and to request the immediate blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). My personal information was compromised as a result of a recent data breach, leading to unauthorized accounts and inquiries being reported under my name. 
I respectfully request that you block and permanently delete the following accounts from my credit file : Fraudulent Accounts : XXXX XXXX  XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$55.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$490.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$780.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$420.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$320.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} XXXX. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$760.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$250.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} Fraudulent Inquiries : XXXX. XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX  o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I am disputing the Account XXXX XXXX Balance Owed : {$34000.00}. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit card

Indigo I signed up for the protection plan when I was working when I was out of work, for months unable to make the payments I called them because I had the protection plan and it was not honored.they explained the protection plan was covered for the XXXX 30 days when I was working so they did not cover it for me being out of work. I closed the account because I didn't like the way the company operated so I closed the account when they did not honor the protection plan.
Product: Checking or savings account

I was incarcerated as the XXXX of XXXX. My account was taken advantage of and my money was stolen. I had no Acknowledgment of the activity. My bank will not take my statement seriously and I need to be understood
Product: Vehicle loan or lease

The last payment was made on XX/XX/2022 and on XX/XX/2022 the company reported my account as be delinquent. which changed my credit scores by XXXX points this is not fair. Resulting in my XXXX  at XXXX and is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been fighting this for several months now.
Product: Money transfer, virtual currency, or money service

Paid for services I Never received and was not refunded
Product: Debt collection

Revenue GroupXXXX continues to charge me over the years for debt I don't even owe. I caught this company sending mail stating I owe XXXX dollars on a utility account I already paid off.
Product: Checking or savings account

I am a Chase Bank member and am unable to access my accounts either via web or mobile app because they have a 124-page Digital Consent Agreement that they are requiring I read and consent to before they will provide access to my account. THIS IS WRONG!!!!!! I understand that most people just click the box but I AM NOT IN AGREEMENT WITH something I haven't been able to read ESPECIALLY when the account is virtually held hostage to force compliance and I am certainly not comfortable with the language used in just the initial couple pages. It's intentionally confusing and if it wasn't DANGEROUS to our freedoms and financial controls why would they demand consent before you can use your account. PLEASE CONSIDER THIS AN URGENT MATTER!!!!!! I and other CHASE bank members deserve your help immediately!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX at XXXX XXXX XXXX XXXX Accounts are past XXXX XXXX XXXX Please remove judgement and account off credit /screening and other tenant screening As i access my credit profile I see XXXX XXXX XXXX on my account ..XXXX XXXX XXXX was accessed in a chapter XXXX XXXX case XXXX.i was not provided any validation information from no creditor upon this being in my credit report tenant screening this violates my information under 12CFR-1006-34 ( b ) ( 5 ) This has violated my consumer rights I had no chance of disputing and not aware of this on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My starting rate was {XXXX} per hour and I became delinquent in my mortgage payment. 
I purchased my home in XX/XX/XXXX. 

I was in foreclosure in my desperation i needed a loan in order not to lose our home. Onemain Financial gave me the money I needed become current ion my mortgage. They gave me a car title loan. OneMain paid XXXX the balance of my XXXX XXXX XXXX and gave me a loan against the car. 

Due to my income being so low I had to have my son co-sign the loan. 
At that time in my desperation I was not able to see the credit/financial impact it would have on him, now XXXX XXXX XXXX. 

I am now making XXXX  per hour and asked to have my son removed from my loan and Onemain refused. I was told he needs to stay on the loan to make the loan stronger. 
All payment have been deducted from my XXXX checking account on a biweekly basis and I have never missed one. 

My son has now completed him XXXX XXXX is now working full time as an XXXX XXXX XXXX XXXX XXXX  ) he has saved enough money for a down payment of his own car and due to my desperation in having him co-sign my loan with Onemain and their refusal to remove him from my debt he is unable to get his own car loan. In my desperation I have financially handicapped my son ( credit ) I need him removed from my loan so he can start his own credit journey
Product: Credit reporting, credit repair services, or other personal consumer reports

INNOVIS IS IGNORING COURT ORDERS AND XXXX XXXX XXXX  MUST BE DELETED TODAY.AND XXXX  HARD INQUIRY ON XXXX HAS BE DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00}
Product: Debt collection

They trying to collect for invitations home on a lease that my husband whos passed away do to XXXX XX/XX/year> the lease was not on my name it was under my husband we moved because they wanted to increase the rent and we couldnt afforded anymore, they kept security deposit and and top of this trying to collect for normal wear interior we stayed in that property for 2 years he never received any notification or opportunity to do any repairs before work was done they just go ahead and did it and later on reported to the credit bureau witch I have disputed a few time and nothing has been done. I dont know what else to do. Please help.
Product: Money transfer, virtual currency, or money service

Im trying to link my bank account to XXXX and Pnc is not letting me
Product: Money transfer, virtual currency, or money service

Notice of bankruptcy and probate notice and plea .. 
XXXX hearing notice of involuntary Bankruptcy Accounts administered under the cash app tag $ XXXX has several unlawful deductions and unauthorized attempts and payments that need to be fully restored and return including hereditaments. All transactions should not remove credits or cash from the overall balance. 
Add the total sum of all inquiries and make those credits available for the Beneficiary named on this account. 
Notice of hardship There is a low balance on the account and beneficiary can not survive with a low balance. 
Please return all monies, species, credits that has been transferred to any third party. This account is for the beneficiary of XXXX XXXX XXXX This account is needed to enforce private laws and deploy constitutional assistance around the the united states of America, and private commercial use. 
Notice to agent is notice to principle Selective Service I'd is : XXXX for XXXX XXXX XXXX XXXX, XXXX : and the United States of America XXXX 

Restore all funds to routing number : XXXX. 
account number : XXXX. 
within three days of this notice! Notice of emergency relief for egress, regression, right of movement and locomotion. This for the care for the extreme care for XXXX XXXX XXXX ( TRUST ) ____________ [ X ] ____________ By : .XXXX XXXX, :XXXX : . and the united states of America Executor for :. XXXX XXXX XXXX ( Trust ). XXXX 


_____________ [ x ] _______________
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. 

I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX 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: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due    XXXX  /2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items 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. Please update or correct this immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I recently found out that I have a debt collection on my credit report after a friend ran those reports for me. That being said, it says that I have a balance owed of {$410.00}. However, my final bill dated XX/XX/XXXX, from XXXX XXXX XXXX states that I owe XXXX. The first credit agency that had the collection stated {$240.00} as well. However, when the collection was sold off to another agency - IC systems - the amount had essentially doubled to what is now {$410.00}. My only theory is that they have included equipment that I had previously returned and you will find that tracking number below. I called XXXX XXXX XXXX and they too confirmed that they received that equipment back in XXXX. Below I will attach all the documents pertaining to this - the final XXXX XXXX XXXX bill, tracking number for equipment ( potentially what made the debt increase, but still does not justify why one collection agency had one amount and the other, another amount ), as well as the previous collection agency amount.
Product: Debt collection

XXXX XXXX calls every other day saying I owe a debt. They threaten to sue and they call my siblings asking about me.
Product: Debt collection

CREDIT COLL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX MA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  CAPITAL ONE AUTO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies hit my credit report by hard pull multiple times in a single day and on many different dates creating some ungodly amount ( 30 ) of inquires on my credit report. All of these unauthorized pulls dropped my score tremendously to a point that puts me in a extremely poor position for a mortgage. I mailed each a detailed letter XX/XX/2022. No reply.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXXXXXX XXXX, TX. XXXX I have noticed that my consumer report contains information that is a result of identity theft. I did not provide any written permission or instructions for the transactions to report on my consumer report. Therefore, pursuant to 15 USC 1681c-2 ( a ), I am requesting that the reporting of this information be blocked and deleted. This request to block is not being made in error and is not based on any material misrepresentation of fact by me that is relevant to this request. The identified transactions are not information related to any transaction by me as the consumer : Account Name- XXXX, Account # - XXXX, Reported Balance- {$590.00}, Reported Date Opened- XX/XX/2022
Product: Debt collection

The amount  Hunter Warfield cl aims that I owe is invalid. The machine that they charged me for was delivered and returned withi n 48 ho urs.
Product: Credit card or prepaid card

I made a purchase at Best Buy on XX/XX/2018 for {$3600.00} when the offered me a no interest for 18 months credit card, I asked the salesperson what happen if I don't pay in full in the 18 months, he told me then you will have to pay interest in your balance, I said ok, so he walked me to the cashier and she asked me for my personal information 5 minutes later she told " congratulations you are approved '' and she asked me to sign on the electronic pin pad and gave me the receipt. 
I asked her for a copy of my application but she told me that I will get it by mail along with the new card in 10 business days, a month passed and I didn't get any correspondence, I called Best Buy asking for the documents the customer service representative apologized and told me that he is going to expedite my request and that I should receive it in no more than 5 business days, effectively at the fourth day I just received the new card with the activation information ONLY. 

In XXXX I logged in to make my monthly payment and I notice that my account that was supposed to be about {$350.00} is now {$1200.00} because they charged me the 18 months of interest. I called to ask for any document signed by me accepting those terms. 

I called Best Buy in XXXX, spoke to the manager, this very rude lady told me that all that information was on the pin pad and that I should have read the information when I signed the receipt for the purchase, I told her that it is impossible to read that information in such a small device in less that 3 minutes, she ironically told me " I do it every time that I buy something '' Last week somebody called me from Citibank saying that they funded Best Buy 's credit cards, I asked this person how it is possible that I have this card since XX/XX/2018 and it is the first time that they call me to tell me this information, however, I explained this lady the problem, but she told me " I am sorry, but it is too late for you to request an adjustment of interest, you had only 30 days to it, I am pretty sure that Best Buy should have told you this, they are very well trained '' I felt insulted. 

Now Citibank calls me every day treating me to put me on collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX LOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keeps updating an out of date collection that was never mine to begin with and Experian refuses to remove it or reinvestigate
Product: Checking or savings account

XX/XX/XXXX i had a total of XXXX checks all of which were {$500.00}. 
{$1500.00} total, i filled them out wrong and pnc returned them back. The day that the atm rejected it i fixed my address it was wrong because i had moved just XXXX month ago. 

They said that it takes only XXXX business days to change the address, and that was about a week and a half ago, I called today ( XXXX ) and they said that XXXX days later it was sent to the wrong address. I even asked several times to get the money back in any other way and they never helped me
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX  I spoke with XXXX XXXX I stated to her that one of my workers fraudulently took a loan with my social security number I asked her to provide me validation of this loan she said that she couldn't provide me with a promissory note I signed furthermore XXXX XXXX XXXX is not the company who provided the funds for this fraudulent loan of XXXX but is reporting for XXXX opened XX/XX/2021 Account # XXXX this is a clear violation of FCRA codes I need this account removed from Equifax as soon as possible also my info my be part of a data breach by Equifax.
Product: Debt collection

LVNV FUNDING LLC is reporting on two accounts that's already in a debt repayment with XXXX XXXX XXXX Reported to the credit Bureau without alerting me of the debt. When I called they wanted me to get permission from XXXX XXXX XXXX to speak with me about the accounts that the already knew were in a repayment account. I found out from XXXX XXXX XXXX the name of company because LVNV would not release the company name. This caused a drop in credit score by at least XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I spoke with XXXX XXXX and XXXX at XXXX XXXX. I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior. XXXX XXXX pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull the credit he did it anyway and my score has dropped 4 points immediately as a result
Product: Credit reporting

Tax Lein paid in full before going to collection and repeated negative remarks gir over 6 1/2 years.