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

To whom it may concern, To begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any misinformation now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.

( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer r

ight ( s ). ( b ) I do NOT have any required OTHER present addre
sses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).

( c ) I do NOT have any mandated OTHER SSNs and I do NOT cover any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).

( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).

( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Product: Debt collection

SCHOOLSFIRST is claiming that I was late for my XX/XX/2020 payment, however, I was not. I attempted to pay via money order but it was rejected by the teller
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus for a accurate credit report and I did a thorough investigation myself and I still had false. dates, addresses and personal information about myself. I would like for these items to be removed due to my unauthorized decisions. 

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

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting

I am writing to dispute the following information in my file. I have been trying to obtain my credit score since I was XXXX years old, but have been rejected by XXXX banks due to my unique mononym name XXXX. It is my birth given name as filed on the Civil Registry and as seen on my enclosed birth certificate, on my Oregon Driver 's license, Passport, and my Debit Card at XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX, I joined the Bank `` XXXX XXXX XXXX XXXX '' and got a secured credit card which later became a regular card on XXXX XXXX, XXXX. I was told that after one year, I would have a credit score. 


I have Given now MULTIPLE times to ALL the Credit Bureau 's ( Equifax , XXXX, XXXX ) all of these enclosures. Oregon Driver 's license, Passport, Credit Card Payback History, Social Security Card, Birth Certificate, supporting my position. Please reinvestigate this these matters and correct the disputed items as soon as possible. 

I attached a New Document showing how The Problem was Never addressed and Gave me the ( Run Around Yet Again )!!! 


Equifax never sent me anything like they said, and what I was TOLD by You! Please have them Contact me! 

XXXXXXXXXXXX Please for the Love of God, Help Me!!!! I 'm XXXX years old and I Need this for my Life! I have all of the Proof to obtain a Credit Score Yet, No One is Helping me Out, and I have No where Else to Go. Please Help ME! 

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

I have a bankruptcy on my equifax that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my XXXX  that is not mine i have been disputing this since two years ago!!!! 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Capital One has been holding my direct deposit since Wednesday XX/XX/XXXX and has yet to give me an XXXX on when my funds will be available.
Product: Debt collection

Took out a personal unsecured small loan to taske are of some medicine that my husband, whom I 'm so very proud of, obtain his pain medications for the month when his XXXX would fill up. Dealt with this. Company before and i should have know better but I went ahead with it bc i did n't know how I was gon na make it for ghe the month anyhow?? So I went back to a loan company that I said I would never deal with again but at that particular time I did n't have a choice. After realizing I had signed that permission paper again I called and made sure that I knew what to do when I needed to stop it any future debits. The loan place hit my bank account on the XXXX of the following month on the XXXX with the due date on XX/XX/XXXX!! So I called the store manager on XX/XX/XXXX and she was really nice over the phone. So I stopped by there to find out what happened and she explained that she had been on vacation that week it happened and she was even kind enough to show me on the form I had signed that I had the right to revoke that authorization by just telling them or writing them. So I XXXX her right there that I no longer have the permission to access my bank account and she said ok and she said she would make sure it would n't happen again. She said she had never taken vacation on the XXXX bc people usually messed something up. So the next month comes due so I get some cash out to pay it due to the fact that they do not accept personal checks, and other forms of payment. So on XX/XX/2016 they hit my account again that ended up costing me an additional XXXX NSF charges that was {$76.00}!! I called the home office and asked to speak with someon n management and a very nice lady named XXXX helped me by taking down my info and my complaints and assured me that her boss would receive an email explaining what happened. On XX/XX/2016 I personally went to my bank and asked for their help and they suggested I rip that debit card up and order a new one. 
Did they breach the contract by continuing to take unauthorized debits?
Product: Checking or savings account

On XX/XX/2022 my debt card was used to make three unauthorized ATM withdraws in the amounts of {$200.00}, {$200.00} and {$100.00} at two different locations. On XX/XX/2022 one unauthorized ATM withdraw was made in the amount of {$500.00}. On XX/XX/2022 4 more unauthorized ATM withdraws were made in the amount of {$500.00}, {$200.00}, {$200.00}, and {$100.00}. On XXXX XXXX the debit card was used to make purchase for {$170.00} and on XX/XX/2022 a charge was made for {$8.00} was made. On XX/XX/2022 I realized that the card had been stolen and i immediately called the Chase Fraud Dept to notify them of the unauthorized transactions that were made. Chase reimbursed the debt card amounts of {$170.00} and {$8.00}. I was told that a investigation would be made for the unauthorized ATM withdraws. They informed me after 10 days that they would temporarily reimburse me for those withdraws. I have never made a ATM withdraw using any chase card before so I had not set up a pass word to do and ATM withdraws. After the 10 days went by I noticed that none of the ATM withdraws were refunded so i called the fraud dept again and was told that the request was denied and the case was closed and could not be reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured credit account eith XXXX XXXX XXXX. I always keep the set amount in the account. Infact my paycheck is deposited directly into it. They are reporting I owe {$4400.00} and it lowered my credit score. It is a checking account. I owe nothing.
Product: Debt collection

I received a call from someone claiming to be a lawyer from the XXXX XXXX XXXX XXXX When I called back a man named XXXX XXXX, claimed I owed him {$22000.00} on a chase credit card debt from 2004 He said he was coming to my house to collect the money and if I wasnt there he would be tracking me with his cell phone He demanded that I pay him in full at the moment without providing me any information I had an old debt with Chase from 2004 which was resolved maybe 15 years ago though the debt was sold off to a company called a Unifund. This person XXXX XXXX claim to be a paralegal and working for a law firm that simply does not exist He threatened me he called me a liar he told me I was unworthy that I would be punished that he would track me by my cell phone at work or at home and regardless of who was there he would demand that I pay him the money This was an incredibly disturbing interaction and this man should be stopped
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Made aware of XXXXXXXX XXXX XXXXXXXX XXXX having fraudulent account open under my identification. Company stated that account was under my identification card but not social and could not provide information. However, Early Warning, XXXX, XXXX XXXX all have record of derogatory account. Can not open bank account with XXXXXXXX XXXX due to fraudulent account. 

Active fraud alert on all credit reports since XXXX No account authorized to be open. 

Updated police report below. Real social security number copy inserted as well.
Product: Debt collection

I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.
Product: Credit card

I used my Chase card to hire a moving company for moving back to XXXX from XXXX. I was charged XXXX which was very high because of the antiques and one of a kind pieces of furniture I owned. The movers committed fraud! Breaking and trying to hide most damage from my son XXXX. I was n't going to be back XXXX for several months to see the full extent of my damages to my furniture and also to my sons home. Which was completely rebuilt after storm XXXX. The movers were n't to put the charge through until the move was completed. On the day of the move I was informed of many items damaged. The credit card dispute associate I spoke to assured me time was n't a issue as they understood I was n't going to be back XXXX for several months. They asked for itemized list of damages which I complied to the best of my abilities as many items were n't unpacked yet. I was told by Chase rep. To just concentrate on the price of my antique bedroom set as that was over XXXX. Value and all I could do was have card charges removed in the XXXX amount. Due to my health and recent loss of my husband I was just going to seek charges removed as they charged my card before even delivering the furniture. Chase associate ASSURED ME I was going to see the outcome in my favor as there was extreme negligence from moving company. I thought it a bit unusal she would basically tell me I was going to be " very Happy with the outcome ", yet kept asking me for more details. I was hospitalized in XXXX and then she wanted a appraisal done for just the bedroom set. I wrote back ASAP explaining I was in ill health and needed a couple of weeks to NOW HIRE A APPRAISER. The next week she wrote me back they asked the movers to work with them and they said no and I 'm fully responsible for the cost of the move!!! Even though the company Lied, Committed fraud, hired outside company. The credit card company completely does n't want to be out the money so they are now forcing me to pay or destroy my credit!!! With all my husbands medical bills we always kept paying our bills. Now this moving company who destroyed basically everything I own to some degree they want me to pay!!! I called their corporate office and was to.d to make payments on the card or my credit will be ruined! I to.d the woman if I had paid by check there would have been a stop payment done immediately! Also I never signed my furniture was delivered intact. The other moving company they hired, plus my son also had to hire men to unload the truck a XXXX XXXX only set One man!!! 
Please there has to be something that can be done I have all pictures before and after, witnesses etc. I believe this stress has caused a great deal of my medical issues as it has been going on since XX/XX/XXXX! I feel I am being pushed into a corner to pay a company that is on the ( Rip off report ) for doing the same thing destroying a recent widows furniture and then acting threatening to her when she complained. I was told by Chase 's dispute person I did n't need to file a civil suit if I would be ok with there favoring outcome. I said I was as I had several years of extreme stress and did n't want to sue now
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXXr in the amount ofXXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 


[ If you have a lawyer, state that you have legal representation and provide that persons contact information ]. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days.
Product: Debt collection

I am disputing fraudulent debt collection that is being furnished on my personal consumer report. Debt recovery solutions is claiming I owe them for a debt but they can not validate any of the debt. I have reached out to them multiple times requesting that they send me any and all supporting documents regarding this alleged debt that I, XXXX XXXX have with their company directly. I have never done any business with them or signed any legally binding contracts with them. I am reporting them for fraud since they are trying to get money out of me that is not owed and they are damaging my credit scores and report which has kept me from getting a job and new apartment due to their lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need immediate removal.
Product: Debt collection

The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim the department of Education have not produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted all 3 major credit bureaus via phone and letters to challenge accounts that are not reporting to my credit report correctly either these are not my account or information is invalid either way they need to be removed and blocked. I received a letter indicating refusal of removal for the following accounts that need to be removed immediately : XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX   Bankruptcy, XXXX and Chapter XXXX bankruptcy.
Product: Debt collection

I used to have XXXX XXXX until their prices continued to change. As of XX/XX/2020, I changed my provider to XXXX XXXX. I made multiple attempts to contact XXXX XXXX XXXX  to stop my service, but due to the language barrier with their service representatives, they continued to bill me for 2 more months. They are continually sending me statements & have now sold the debt, fraudulently, to a third party collection. Today, my credit score was dropped by XXXX points due to their unscrupulous tactics. I want my score restored & this debt removed.
Product: Debt collection

Debt in question was from a minor I was chaperoning to an urgent care visit. I am not her custodian or legal guardian Moreover, the minor had valid insurance coverage at time of visit but original creditor never submitted billing to proper insurer Regardless, I just took her to urgent care while her mother was away. Why am I responsible for this debt?! All I did was help someone out my bringing a minor to the doctor!