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

I submitted a request for proof of debt on XX/XX/year>, but I have yet to receive any documentation verifying that the debt is mine. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681g and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I have the right to request validation of this debt. Since no verification has been provided within the required timeframe, this debt should be removed from my credit report and should not be reported negatively.

Please confirm the removal of this debt in writing. Failure to comply may result in a formal dispute with the credit bureaus and further action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am a US Citizen and a resident of the state of Texas. I was advised by my local police department to send out this letter and to include specific fraudulent information appearing in my credit file. Please note that this information is inaccurate and appears on my credit file as a result of identity theft. The following information listed below is fraudulent and doesnt reflect any transactions made by me : Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX   XXXX / XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX / XXXX XXXX XXXX   XXXXXX/XX/XXXX XXXX. XXXX / XX/XX/XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX / XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX / XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX # # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Please delete and block this information from my credit report pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. With this letter, I have enclosed a copy of my credit report received from your company, a copy of my identity theft report, proof of identity, a utility bill, a police report and other additional documents to support my claim. 

Thanks for your understanding XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found out these accounts does not belong to me and I didn't authorize them to my account until I called Transunion and they refer me to this website to file my complain, Name : XXXX XXXX  XXXX  Date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX, XXXX XXXX date : XX/XX/2022, Name : XXXX  XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXX XXXX date : XX/XX/2022, Name : XXXX XXXXXXXX XXXX date : XX/XX/2022, Name : XXXX  date : XX/XX/2022, Name : XXXX XXXX XX/XX/2022, Name : XXXX XXXX XX/XX/2022 and Name : XXXX date XX/XX/2022, These are the incorrect information I found on my credit report from myannualcreditreport.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file XXXX XXXX  The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX while applying for a mortgage my lender informed me of a previously disputed collection found on my credit from XXXX. Upon reviewing my credit file, I noticed a new collection placed XX/XX/XXXX from XXXX on my credit report with myself as a co-borrower associated with MONTEREY FINANCIAL, which was inaccurate. 

To begin, Ive never disputed nor heard of this collection so I immediately & directly contacted : { MONTEREY FINANCIAL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA ( XXXX ) XXXX Account Number XXXX Date of XXXX Delinquency Unpaid XX/XX/XXXX Original Amount {$16000.00} XX/XX/XXXX Balance {$29000.00} } at the number provided on my credit report. After providing my name, address, and Social Security number, the representative confirmed that they have no records of me in their system. This discrepancy strongly suggests an error in reporting with XXXX. 

Furthermore, I would like to point out the following facts to support my complaint : - Collection company could not verify me - I have never traveled to the country where this timeshare or transaction allegedly occurred. 
- In XXXX, the reported timeframe of this activity, I did not possess a valid passport, further proving I could not have been involved in this matter. 
- I, XXXX XXXX have never previously disputed this account on any of my credit reports. 

I have now asked both the collection company and XXXX being the only reporting agency reporting this information to please resolve this but have had XXXX explanation to my concerns.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from CONVERGENT XXXX XXXX last reported XX/XX/XXXXin the amount of {$820.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both CONVERGENT XXXX  XXXX individually and have not received any reply back
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX Equifax. I pay a monthly membership fee to Equifax for services to see and dispute my credit report. last XXXX days I have filed over XXXX disputes, with all results being that Equifax finds the current information to be accurate and no changes made. On XX/XX/2024 my Equifax credit score I could see was XXXX, XX/XX/2024 my score XXXX, XXXX XXXX Acct ending in XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Equifax refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. 
I am suffering from Equifax and XXXX XXXX XXXX reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in XXXX XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and Equifax and XXXX XXXX are dilertly causing un-repairable harm to me by the XXXX disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies in Credit Report Dear TransUnion, I am writing to formally dispute several inaccuracies and misrepresentations on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. The inaccuracies on my report are in violation of the FCRA, specifically the requirements outlined in 15 U.S.C. 1681i, which mandates that credit reporting agencies investigate and correct any errors or incomplete information.

Upon reviewing my credit report, I have identified the following discrepancies : Address should only show XXXX, XXXX XXXX, NC, XXXX ; My telephone number should only be XXXX XXXX XXXXXXXX Employment Information : The report lists incorrect employment details. My current employment is PSGroup, and any other employment entries are inaccurate. 

Personal Information : There are inaccuracies in other areas of my report which I would like to have reviewed and corrected.

I request that you promptly investigate these issues, as required by 15 U.S.C. 1681i ( a ) ( 1 ), and correct the information within the time frame specified by the FCRA. If you are unable to verify the information in question, the FCRA mandates that you remove or correct it in accordance with 15 U.S.C. 1681e ( b ).

As stipulated in the FCRA, I am entitled to a copy of my updated credit report after these corrections are made. Additionally, if any information can not be verified, it must be removed or corrected, as per 15 U.S.C. 1681c.

I request written confirmation that you have received this letter and a prompt resolution of this matter. Should you require any further information to facilitate your investigation, please feel free to contact me at the phone number listed above.

Thank you for your attention to this matter. I look forward to your timely response and resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On Mon, XXXX XXXX, XXXX I received an email from Citi stating that if I open a checking account and fulfill certain criteria I will receive XXXX miles on my XXXX XXXX account. I already had an XXXX XXXX credit card with Citi and I decided to get a checking account too to get the bonus.

The criteria to get the bonus was this : ( you can see it in the attached email ) 1 ( OPEN a new checking account and enroll in the offer the same day before XX/XX/2023 XXXX ) SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening 3 ) MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities I completed all the requirements on XX/XX/XXXX and my miles are not there yet. I contacted support multiple times on the phone and chat ( see chatlogs attached ) and the miles are still not on my account. Customer reps confirm in this chat logs ( citi promo 2 screenshot ) that I met all the criteria but when they open a support ticket to review my account it gets denied.

I contacted support again today and they transcribed a letter that there is nowhere in my account telling me I have to send proof I was selected for a promo to a physical address in XXXX XXXX, Texas. I am tired of this game when their reps have recognized I have the promo, I met all the criteria and I received my promo on my personal email, which is linked to my Citi account. I have never had to chase a bank so hard to get a promotion posted to my account.
Product: Credit reporting or other personal consumer reports

I paid off a delinquent collection account it was reported on my credit under XXXX company names one being XXXX and the other XXXX but are both for the same debt. I paid the debt and creditor agreed to remove account but Trans Union has refused to remove the information
Product: Checking or savings account

I open a XXXX account with Wells Fargo and evertime deposit will be made from job money will be took from my account and the next or XXXX  days later money will be put back or sometimes never and I called Wells Fargo bank they act if they couldnt do anything about I try ask for cooperation office number they didnt want give me the number so I end remove my direct deposit from there bank because I was tired of money getting took out of my account unannounced and tired of calling and the bank act if they couldnt do anything about it!! So I just let account close and never want to bank with them again and whoever created Wells Fargo need XXXX whooping for allowing money to get took out of everybody account with out know and dont know where the money is getting took from.!!! Over XXXX hundred has been took from my account have of I still havent seen.
Product: Credit card or prepaid card

I never received bills during XXXX to XXXX and when I try calling I was always being transfer I would give them myself abs they say it wasnt me. A lot of them dont speak clear XXXX so it was hard to understand. I could never make an account with the app it says my number was incorrect I even called them stating and they mention that I wasnt who I said I was
Product: Credit reporting or other personal consumer reports

My information was disclosed to a third party without my permissible purpose! 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( XXXX ) that I, XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Product: Payday loan, title loan, personal loan, or advance loan

I had gotten a loan to pay for my solar panels and a roof back in XX/XX/XXXX in the amount of XXXX. I called Mosaic on XX/XX/XXXX to let them know about paying them for solar panels while I'm still receiving and pay an electric bill. I was told that solar would help with no electric bill. I was asking Mosaic on how i could be relived of paying for the solar panels that are not working. I was told no. I tried to explain that paying is causing me financial hardship with paying for solar and an electric bill. I was asked by Mosaic to get another company for the solar panels. I was referred to another company that supposedly had taken XXXX place. To my surprise they said I no longer had a warranty because of XXXX XXXX XXXX of business and that I will need to pay them to come out an assess the solar panels. I cab not afford to pay anyone or anybody. Also, I noticed that on my Loan Agreement the Loan # is XXXX but on my monthly statements the Loan # is XXXX. This discrepancy is showing red flags. 
I'm at my wits end with this. I'm in need of a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to you with grave concern about the unauthorized reporting of a minor delinquency on my XXXX XXXX XXXX account to my credit profile. This situation has not only unfairly impacted my credit history but has also violated the rights that exist to protect active-duty servicemembers like myself. 

Issue at Hand Name on the Account : XXXX XXXX Regulations Violated : Honoring Duty and Protecting Rights This situation represents a blatant violation of the Servicemembers Civil Relief Act ( SCRA ) and the Fair Credit Reporting Act ( FCRA ), legislations designed to honor the commitments of active-duty servicemembers and safeguard their financial well-being. These statutes are in place to ensure that those who selflessly serve our nation are not subject to unjust financial repercussions, especially those arising from circumstances beyond their control. 

Specifically, this unauthorized reporting potentially contravenes SCRA Section 3952, which mandates protection against default judgments and stays of proceedings for servicemembers unable to appear in court due to military service obligations. Furthermore, the unauthorized reporting of this delinquency without my consent raises concerns about the accuracy and integrity of my credit profile, potentially infringing upon FCRA Section 605 ( a ), which requires the accuracy and completeness of consumer report information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  # XXXX amount {$13000.00}, XXXXXXXX XXXX  # XXXX amount {$2900.00}, XXXXXXXX XXXX # XXXX, amount {$540.00}, XXXX XXXX  # XXXX amount {$77.00}, XXXX XXXXXXXX XXXX  # XXXX, amount {$710.00} they deleted something called XXXX if they deleted that one they should delete all under section 605B and 15 U.S.C.1681 if they can not send the contract with my wet signature I want all credit bureau deleted off my credit and National Credit Adjust # XXXX XXXX, XXXX # XXXX, amount XXXX, XXXX XXXX XXXX XXXX, amount XXXX its been sold to someone and I was also exposed to data breach my claim number is # XXXX
Product: Debt collection

I divorced my ex-husband in XXXX. At some point after our divorce was final, he opened a student loan with SallieMae and they included me on his loan without my consent. To this date I continue to receive collections correspondence for his account stating that I owe the money. I have contacted SallieMae multiple times regarding these letters and the loan. Every time I call them, they assure me that I am not on the loan and that they have removed me from their mailing list. 

Today I received another letter stating that his loan will be reported to my credit bureau for non payment. 

The customer identification number is XXXX. 
My ex-husband 's name is XXXX XXXX
Product: Payday loan, title loan, or personal loan

There contacting my employer a department I dont work in are customer service department telling reps to email me and I dont work on that side of the business there also calling from 50 different numbers while Im working. They had a customer service rep email me telling me to call one main
Product: Credit card

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and XXXX  XXXX  is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Transunion for the past nine months and they have yet to identify the specific details I asked for in my letters. They never respond to anything I send and there are quite a few accounts that have false information that they are reporting. I just want things to be reported properly and the items removed that aren't reflecting the right information. I have a lot of goals that need to be reached and my credit score needs to be correct, I also need most of the negatives removed for my goal to be captured. I will attach all the letters I've sent to this complaint so you can see my frustrations.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX  ( Bank ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX Delete this item immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not XXXX debt. } 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

I am I victim of identity theft, Ive tried contacting each of the company mentioned in this complaint individually to inform them that the accounts reported on my name are unauthorized by me and that they are fraudulent. XXXX account number XXXX, XXXX  account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all fraudulent accounts I did not authorize to be opened/reported on my credit report. I do not live at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Money transfer, virtual currency, or money service

Gemini Trust Co, they have changed my phone number in order to prevent me get into my account. It has been more than a year since I have tried to get into my account to no avail.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, this is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX  XXXX XXXX XXXX : {$26.00}
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 needs to be removed from report.