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

When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate.By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable.I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate.These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are being reported on my credit report that do not belong to me. I have attempted to contact the company directly and they refuse to remove it despite my countless letters, and disputes with documentation as proof. This is violating my rights and hurting my ability to get funding I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  to discuss and dispute inquiries stating, " I was apart of their, " inquiry issue. '' One representative told me that, " they could not help me in the matter '', and that, " I was not apart of the inquiry scandal '', after calling, being re-routed, and hung up on, about ten ( 10 ) times in a row. These inquiries were deleted, then re-inserted onto my credit report, all done by XXXX  employees and/or A.I.. I gave them a list just to have them say that they can not help me. I have an inquiry identity theft report filed with the FTC and told them this. They refused to listen. What does it take to get these inquiries removed from my credit report after consulting the attempted creditor and furnishing the FTC identity theft fraud, inquiry documentation required by them, only to have most of them take longer than 30 days to respond or not respond at all. 
Inquiries and dates are as follows : XXXX/XXXX  : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX   XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX  : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX, XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX, XX/XX/XXXX, XXXX : XX/XX/XXXX Listed above are all inquiries questioned and hopefully now disputed, on my credit report XXXX I am attaching my FTC identity report for review and deletion purposes. Please remove all of these inquiries immediately per FCRA regulation and enforcement.
Product: Debt collection

I received a collection letter from the Medical Revenue Service for a bill that should have been sent to my secondary medical insurance XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXby the provider. The medical provider is XX/XX/XXXX The date of service is XX/XX/XXXXreceived both of my medical insurance information upon the date of service. I do not owe this bill.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These accounts and inquiries were fraudulently created or accessed using my personal information, which was compromised during a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to have these fraudulent items removed from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Compliance Manager : I recently received a result letter from a dispute letter mailed as I have enclosed that letter for your convenience. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I was upset and saddened to learn that you somehow verified this disputed item, stating to leave it on the report. I am absolutely certain that these items I disputed is incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX  XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX XXXX XXXX inaccurate, incomplete, or unverified, I demand deletion. 
XXXX XXXX -If inaccurate, incomplete, or unverified, I demand deletion. 

I am eagerly interested to learn how your investigator arrived at this erroneous conclusion. I demand to see a complete list of all and any documents along correspondence from each person contacted. I need you to include all names, addresses, and contact information of employees that you spoke to as part of this investigation including the date and time with phone number given. 
I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unjustifiable, hurtful, and unworthy to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from your company within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item in dispute permanently deleted from my credit report based on the unreliability of the information furnished.Thank you for your prompt attention. I look forward to getting this crisis resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX
Product: Checking or savings account

Cash APP and XXXX XXXX XXXX  are allowing individuals use their apps for fraud. I run a XXXX practice and have received weekly emails pretending to be a therapist in my practice wanting their bank information to be changed to a fraud account. Today go one again, either from XXXX XXXX which uses cash app or XXXX XXXX in attempts to send funds. see actual account and routing numbers as recent as today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy only one was XX/XX/XXXX, My XXXX XXXX was discharged. 
( See Attached ). They change dates and switch names now to Department of Education. The last time attend College was in XXXX. They are still reporting incorrect information.
Product: Credit reporting or other personal consumer reports

disputed information multiple times and asked for verified information that I singed up for these accounts. noting was shown. 
I did not agree for companies to list anything on my credit report
Product: Mortgage

I work for XXXX, a branch of XXXX XXXX XXXX. When purchasing our first home, we chose Wells Fargo because they were the preferred home mortgage lender with my company, and they had a Wells Fargo XXXX XXXX program that was explained to have more benefits as a XXXX employee. When we met with a XXXX XXXX at Wells Fargo back in early XXXX, he explained that we would be receiving a {$500.00} gift card if we decided to process our loan through their company since that was a benefit of the Wells Fargo at XXXX program. This and other factors, ultimately secured our choice with going through them and I even emailed our XXXX throughout the process to ensure he was adding that to our loan, which he confirmed ( documentation supplied ). We were told this would usually come XXXX weeks after closing. We closed on our house mid XXXX XXXX, and as of XXXX, still had not received anything. I reached out to our XXXX, who I was told is no longer employed by Wells Fargo, and then I reached out to them via their online contact us form for the branch we used. I was contacted by another representative, who confirmed that I should have received the {$500.00} gift card, and that possibly our initial consultant had forgotten to add it or had incorrectly entered it on the loan. I had to follow up with her myself every week or so for an update on the correction, at which point later on, she replied that her XXXX had confirmed that the code needed was not entered correctly by our XXXX, and that this was being sent to be fixed since they no longer had access to our loan at the local branch since it had closed already. They said it had to be corrected outside of their office, and I was continued to follow up, I was just informed a few weeks ago that it had to be escalated to Wells Fargo 's XXXX to be fixed and that someone would be in touch with me shortly. It 's been XXXX weeks now, and no one from XXXX or the local branch has reached out to us concerning the matter. It is extremely frustrating to have not only had this {$500.00} promised to us to help persuade us to use Wells Fargo in the beginning of our home mortgage shopping, and then our XXXX failed to enter it on the loan correctly, and now the company, having known of the issue since XXXX, still have yet to provide any type of update or resolution on the problem.
Product: Credit card or prepaid card

On Wednesday, XX/XX/XXXX @ XXXX XXXX XXXX I contacted Comenity Capital Bank to inform them to block & cancel my credit card immediately. The customer service rep assisted me in identifying that there were multiple simultaneous transactions that clearly did not match my transactional history pattern nor were they done by me or anyone I know. The fraud was swiftly reported and I made it crystal clear to the Comenity Capital Reps that I also reported my US Passport stolen and filed a XXXX report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX. They can be contacted @ XXXX XXXX XXXX XXXX and can easily verify the validity of the report and issuance of NEW gov issued identification. The report itself also states the cc stolen detail. In fact I'm pursuing legal and law enforcement action against the crime. The transactions varied from small to large most notably charges for XXXX and XXXX XXXX  from what appear to be at multiple random locations. I was able to gather one of the identities of one of the charges XXXX XXXX XXXX  XXXX XXXX of the airline purchases and we are gathering further XXXXntelligence on this offense that continues to prove the offenses and Identity Theft. This information and evidence has been submitted to the appropriate parties pending further action. The last approved charge done by me was on XX/XX/XXXX merchant - XXXX. All of the charges in XX/XX/XXXX are fraudulent. What is absolutely erroneous to me and the professional counsel I've been advised by is that the charges were approved despite the flagrant and suspicious locations and charge amounts. This is very unprofessional of Comenity Capital Bank and shows a disregard to safeguard customers accounts. I spoke to multiple reps about this again in Account Protection on XX/XX/XXXX since Comenity Capital Bank added the balance transfer back unto my account on XX/XX/XXXX for {$6900.00}. I was told by Comenity Capital Bank rep that one of the merchants claimed that I have a " son ''? This is a false statement and a lie and I can continue to easily prove that XXXX. I did not make these purchases. XXXX. I do not have ANY family or friend members that made these purchases. XXXX. I do not have a son. I have contacted multiple pertinent parties about this, I've filed an Identity Theft report, XXXX report, police report and am currently getting professional counsel on my legal binding rights. I'm currently gathering further evidence of the Identity Theft/Fraud and have everything documented prepared for next steps. This is not difficult because the truth and right thing to do is very clearly outlined. Please correct this error as soon as possible in accordance with the FCBA, FCRA & Section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

COMENITY BANK ( XXXX XXXX CREDIT ) XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX COMENITYCAPITALXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX Consumer Dispute  XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Re : Removal XXXX XXXX late & XXXX remark XXXX XXXX ) from Comenity Bank ( XXXX XXXX Credit ) account ending in XXXX. 

Re : Removal of XXXX late & negative remark ( XXXX ) from credit file/report ( i.e. XXXX, XXXX, XXXX XXXX regarding Comenity Bank XXXX XXXX XXXX XXXX ) account ending XXXX XXXX. 

Re : XXXX of XXXX XXXX ( XXXX ) based on the removal of XXXX late & negative remark ( XXXX ) from Comenity Bank XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, XXXX, XXXX XXXX. 

To whom it XXXX concern, Due to unfortunate events, I mistakenly missed payment for XX/XX/XXXX, regarding my Comenity Bank ( XXXX XXXX Credit ) account XXXX XXXX XXXX. This is the XXXX time this incident has occurred. On XX/XX/XXXX, a XXXX delinquent notification was applied to my account. ( see attached XXXX Report- Exhibit A ). The XXXX delinquent notification was reported to all XXXX credit bureaus XXXX, XXXX, XXXX. As a result, my XXXX scores dropped by XXXX points. 

My account has always been in good standing ( see attached XXXX XXXX XXXX ). 
Because my account has always been in good standing, as a one-time courtesy and in accordance with the Fair Credit Reporting Act ( XXXX ), XXXX XXXX. XXXX et seq., XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), I would like to request the following : a.Removal of XXXX late & negative remark ( XXXX ) from Comenity Bank XXXX XXXX XXXX XXXX ) account ending in XXXX XXXX 

b.Removal of XXXX late & negative remark ( XXXX ) from credit file/report ( i.e. XXXX, XXXX, XXXX XXXX regarding Comenity Bank XXXX XXXX XXXX XXXX ) account ending XXXX XXXX. 

c.Adjustment of XXXX XXXX ( XXXX ) based on the removal of XXXX late & negative remark ( XXXX ) from Comenity Bank XXXX XXXX XXXX XXXX ) credit file/report ( XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Hopefully you will be able to extend this one-time courtesy. 

Respectfully XXXX XXXX
Product: Credit card

I pay for priority services which I suppose to also include failed payment forgiveness however they are trying to charge me a late fee that is equal to the the payment in some cases I asked for proof that I agreed to that no one will speak to me and I have been told by multiple employees XXXX and XXXX that they can not assist me or help me and the third person who said they were going to assist XXXX just ignored me they open the chat and just leave it sit for days so there is no response I called the number and got ahold of XXXX who just straight up said I can help you nothing I can do no XXXX  XXXX will speak to me or provide me the information I am requesting even though they charge me XXXX a month for priority services but wont even speak to me or help me
Product: Credit reporting or other personal consumer reports

Discover is inaccurately reporting that my account is XXXX  days pass due on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. 

Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : XXXX, Transunion, and XXXX are still in violation of 15 USC 1681 b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer. 
I, THE CONSUMER, have never given XXXX, Transunion, and XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have filed an identity theft report through reportfraud.ftc.gov ( report number ending in # XXXX ) that states there are XXXX accounts being illegally furnished on my consumer report. 

I demand that XXXX, Transunion, and XXXX remove these inaccuracies from my consumer report. I will not extend my credit to anyone or allow XXXX, TransUnion, and XXXX to furnish a report for me. I state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By XXXX, Transunion, and XXXX allowing inaccuracies to be furnished on my consumer report, has caused me to lose confidence in the banking system. XXXX, Transunion, and XXXX must delete these inaccurate accounts from my consumer report if they want to continue doing business with me. 

Below are the accounts that XXXX, XXXX, and Transunion need to remove immediately : Department of ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX  XXXX  XXXX ( XXXX accounts ) XXXX  XXXX XXXX  XXXX XXXX Department of EDU XXXX XXXX US Department of EDU XXXX XXXX XXXX XXXX  XXXX XXXX have also filed previous CFPB reports on XXXX, XXXX, and Transunion for the same issue and have been accused of using third-party assistance which has never been the case. XXXX, Transunion, and XXXX have employed multiple deflection and stall tactics to delay removing the accounts listed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, in response to the XXXX breach, I attempted to place a credit freeze with TransUnion and was told that it would be a {$5.00} fee. This is appalling considering the extent of the breach and experts recommend protecting your credit by placing a freeze. However, if you have limited resources, this fee restricts your ability to place this freeze. Your agency should take the lead on prohibiting credit monitoring and reporting agencies from taking advantage of individuals who want to protect their credit by charging them a fee.
Product: Debt collection

In XX/XX/XXXX we bought a car a XXXXXXXX XXXX. from the day we bought it home it was in the shop, it continually died and left me stranded. We were able to get XXXX to diagnose the issue and they said it needed a new part for the fuel injectors, after sitting in my drive way for 5 months with nothing being done, and me not being able to drive it, I called regional acceptance and told them to come get it. 3 weeks later in XXXX of XXXX they came and got the car. Sold it and paid off the loan. But have been stating I still owe the full balance, the loan is 7yrs and 9 mos old it needs to be removed. they refuse