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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A Month or 2 ago I specifically requested that my bank account with Wells Fargo be closed. The customer service representative assured me that he had closed my account and no further action was necessary. However, Within weeks I had service charge fees in my bank account was not closed. I contacted Wells Fargo and they Assured me a second time That it was their mistake and it will be taken care of. Here we are now and I am in negative {$350.00} And I refuse to do any further business with them or negotiations. They are notorious for not keeping their word and they could give XXXX XXXX  less about the customers, hence why there's now a XXXX special on such a despicable company.
Product: Credit card or prepaid card

Received a letter indicating that a request to change address was submitted in XX/XX/2023. I called and after being transferred numerous times was able to tell them i did not apply for this card and did not change the address for a card i did not apply for. The card was determined to have been used to purchase items through XXXX. I initiated fraud report several times and have had them denied. Filed a report at Identitytheft.gov and submitted this information along with most recent claim which was again denied. The report indicates i signed for items at an address i do not live at nor haveI ever lived at. They claimed i signed a sales receipt which was not included. TD bank has not completed a thorough investigation and are punishing me for being the victim of identity theft. I had also frozen my credit accounts and successfully cleared a bank account and loan application that was started with another bank and which TD bank completely ignored.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following fraudulent accounts that have appeared on my credit report. These accounts were not opened or authorized by me, and I request that they be removed immediately from my credit report as they are inaccurate. 

The accounts I am disputing are as follows : XXXX - XXXX XXXX XXXX XXXX - XXXX Diversified Adjustments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a FTC IDENTITY THEFT report along with this complaint also
Product: Debt collection

I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.
Product: Debt collection

LVNV FUNDING/RESURGENT is not licensed to perform debt collector practices in the state of Texas. Per Texas Consumer Law, third party debt collectors are not allowed to give false information about the consumer to anyone, including the credit agencies. In addition, according to the Texas Secretary of State, third-party debt collectors and credit bureaus must file a {$10000.00} surety bond before they can engage in debt collection activities. Per the attachment, LVNV FUNDING/RESURGENT is not licensed or certified to perform any debt collection practices in the State of Texas.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested XXXX, Experian, and XXXX to update my personal information on my credit profile. 

Pursuant to the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX XXXX and all its subsections.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report today and I noticed someone use my information to inquire about some things that I never was aware of multiple times .. 

XXXX XXXX XX/XX/XXXXTransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXTransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXTransUnion XXXX XXXX, XXXX XXXX : reporting multiple times on each TransUnion XXXX XXXX Anything reporting inaccurate with multiple dates & wrong information should be removed immediately as I learned the fai credit reporting act. 

Trying to do better in my life but how can I with all this wrong information on my report.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

Numerous calls from various area codes threatening to place negative marks against my credit, even though they are fully aware that the balance is incorrect and I never had an account with them.Just different rude disrespectful operators continuously calling without being complainant to my wish to no longer be contacted resulting in changing a number I had over 5 years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my report. 

On XX/XX/XXXX I received this response from the company. We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 

XXXX CFPB Complaint : Trans Union you have 5 calendar days to have this information removed. I will not allow sixty days of violation. Trans Union has been in violation for months and not the time is of the essence. Sixty days that's two thirty day credit reporting cycles of false information. 

I am ready to appear before your honor!
Product: Credit card or prepaid card

I accepted a zero-percent promotional credit card offer with Citibank in XXXX, XXXX. After making all my payments on time, I sent Citi payment in full of {$6500.00} on XX/XX/XXXX, to pay off that promotional balance in full ( otherwise that balance would be subject to interest charges beginning XX/XX/XXXX ). However, instead of paying off that promotional balance in full, they used a portion of it to pay off XXXX zero-percent flex-pay loans in the amount of {$550.00} I opened last month. I requested that Citi re-allocate my {$6500.00} payment to first pay off my XXXX, XXXX promotional balance in full, but they refused.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ Creditor 's Name ], I am writing to formally dispute the charge-off status reported on my credit report for the account associated with Captial One. I request that you review and remove the charge-off from my credit file, as I believe this information is either inaccurate or incomplete. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. I respectfully ask that you verify the validity of this charge-off and provide proof of the debt. If no valid proof can be provided, I request that this account be removed from my credit report immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), if this account has been transferred to a collection agency or is no longer under your control, I request that you provide written confirmation of the current status of the account and the name of the entity to whom the debt has been assigned. 

If the charge-off is indeed valid, I request that you provide documentation of the original account terms and payments made, as well as any efforts made to resolve the balance. 

Please provide written confirmation of your actions regarding this matter within 30 days of receiving this letter. Should you fail to respond or provide the necessary documentation, I expect that this charge-off be removed from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response
Product: Credit card or prepaid card

I was charged XXXX for an order with XXXX XXXX XXXX from XX/XX/XXXX which was never received by me. The retailer directed me to open a dispute with the credit card company and promised that they will make a record and not contest the charge. I opened a dispute with Elan Financial Services and explained what happened. I received XXXX provisional credits- XXXX for XXXX and XXXX for XXXX, totaling XXXX. Recently the credit for {$81.00} was reversed. I contacted Elan Financial Services and they made the false claim that I said that I received the package. They also said that they sent out a form that I need to return. I reiterated that the package was not received and gave them my address for them to resend the form. No form was received and instead the second portion of the credit in the amount of XXXX was reversed as well.
Product: Checking or savings account

This bank is crazy after allowing me to open a checking account they blocked my debit card I cant use my account I dont understand them why they like to bother me I have done nothing wrong for no reasons they like to bother they have nothing to do the branch called me said they spoke to their Backoffice and they told me to come they opened my account ordered my debit card and checks the account was active and fine and all of a sudden its frozen
Product: Credit reporting or other personal consumer reports

Identity was stolen in XXXX. Possibility, my credit information could have been accessed by individuals other than myself. 

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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED 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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
U.S.C. 1681 section 602 A. States I have the right to privacy.

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.

U.S.C. 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute to Experian on XX/XX/XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XX/XX/XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two Bank of America credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that Bank of America verified they reported correct information to them. These two bureaus asked me to contact Bank of America and get a proof saying that I don't have any credit card with them. I went to Bank of America. Bank of America said that I don't have any credit card with them. Bank of America asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.
Product: Student loan

Great lakes borrowing service keeps emailing me telling me I need to pay but I dont have a job, haven't had 1 since leaving college 2 years ago, and have submitted the deference paperwork to them on their app, it's like they're purposefuly losing it so they can XXXX me more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made s complaint with the company TRANSUNION for accounts being reported on my report incorrectly and have not been verified. They have sent a letter saying that one account which is XXXX was deleted and then placed back on my report and is not showing on any of my other bureaus and was not properly verified as I asked for copies of any documents with my signature on it and that was not provided. Also one account was removed from collections and I did not receive anything in writing saying it was removed, that account is XXXX XXXX XXXX for XXXX. Also the letter they sent does not show that the other alleged accounts XXXX XXXX and XXXX XXXX XXXX were verified.
Product: Mortgage

From the time we refinanced, the escrow was short about XXXX, unbeknownst to us, when I realized this I put extra in. They are still saying we are XXXX short although their own accounting has us at XXXX short but they refuse to fix the issue and are still insisting that we are XXXX short. I looked at all the numbers and the company is wrong and they are inconsistent.
Product: Checking or savings account

I have deposited XXXX dollars in my SunTrust Bank account and days later SunTrust allowed multiple fraudulent transaction on my account taking all my funds and my account from my previous deposit ... .I believe SunTrust had a part of this fraudulent activity due to the fact after I reported it they still held on to my funds denying me access .... including my stolen identity of my government issued ID and social security card! I spoke with a supervisor and executive team and they all are withholding me from. My fund 's including engageing in this fraudulent activity
Product: Checking or savings account

My personal and business checking and savings accounts were charged for overdraft and returned item fees on several occasions. It is my request to be fully reimbursed for all overdraft and returned item fees incurred since opening these accounts in 2023.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal credit card accounts opened at XXXX XXXX XXXX  opened on XX/XX/XXXX2022 under the account number XXXX amount {$220.00} and XXXX XXXX opened on XX/XX/XXXX2022 under the account number XXXX amount {$55.00}, an auto loan account opened at XXXX  XXXX on XXXX XXXX2023 under the account number XXXX amount {$31000.00}, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX2023 under the account number XXXX amount XXXX $ ; XXXX collections XXXX account opened on XX/XX/XXXX with a balance of {$860.00} under the account number XXXX, XXXX XXXX XXXX with an account balance of {$9500.00} under the account number XXXX & XXXX charge off XXXX Account number XXXX with a balance of {$5900.00} opened XX/XX/XXXX. XXXX Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with the amount of {$2100.00}. I started paying on this debt XX/XX/XXXX. Current balance is {$1200.00}. I have disputed the balance on my credit report. They launched an investigation in which the debt collector stated it was correct balance and still owed {$2100.00}. I then reached out to debt collector in XX/XX/XXXX and XX/XX/XXXX asking to send me a copy of the balance and to update the credit report. I called numerous occasions in XX/XX/XXXX and have not heard from them. I then reached out to all three credit bureau also sending in my proof which shows current balance. Attached is the balance I have after payment was made XX/XX/XXXX.