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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX XXXX Original creditor : XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. EQUIFAX MORTGAGE XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX CARD on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three dispute letters to all three of the credit bureaus to remove all of the fraudulent accounts and some paid fraudulent accounts from my credit report, I showed them my lease verification along with addresses that I dispute with XXXX and they still have not removed these negative accounts despite the fact I showed these three credit bureaus that I've been living at XXXX XXXX XXXX XXXX North Carolina XXXX since 2005 I say that because all of these negative accounts are attached to addresses that I never lived at in XXXX North Carolina.
Product: Credit reporting or other personal consumer reports

I am seeking information about the verification methods your bureau uses to confirm the accuracy of disputed items on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request detailed information on the following : The specific method or process your bureau uses to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 
I recognize the importance of accurate and fair credit reporting and appreciate your cooperation in providing transparency regarding the verification process. This information is essential for me to fully understand the basis on which the disputed items on my credit report were confirmed as accurate.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reached out to XXXX, experian, and XXXX by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

XXXX, experian and XXXX is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please see the attachment and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.
Product: Checking or savings account

I went to use a usaa atm since its the bank I was using. On XX/XX/XXXX I went to withdrawal XXXX to pay for a roofing job I had got done. I did 3 transactions 2 for XXXX and 2 for XXXX and during one of the transactions I received XXXX counterfeit XXXX $ bills. I contacted the bank and they originally put I didnt receive the money from the transaction so I called them back once I was notified the investigation was closed. They opened it back up and I never heard anything back. They now closed my account and I still have the counterfeit bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is claiming and reporting an inaccurate credit card debt of ( {$3900.00} ) on my credit file. I've mailed them several dispute letters, asking for proof of their claims. Chase Bank has failed to show me any solid proof of their claim. Chase Bank mailed me a copy of a previous statement they claim is mine. The statement is not mine. It failed to show my correct and full name, the address is incorrect, they failed to show me any signed documents that prove it's my debt. I also believe the social security number used to establish this account is inaccurate also. I sent out my first dispute letter on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax refuses to supply my free, weekly online credit report. I have no problem with the other 2 credit agencies, but Equifax will never send the free report. This has been going on for over a year. I do not trust them to submit a request by mail with the many personal items they are requiring. 
I would like to receive my free weekly online report.
Product: Debt collection

I question the validity of your verification process, as I have yet to receive any valid verification or explanation for the existence of these accounts. Despite my previous disputes and your assurance of a response within a week, it has been 30 days, and I have received no information or resolution regarding these distressing accounts. I demand immediate action to remove these fraudulent accounts from my credit report. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXXXXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
It is crucial to note that the lack of verification for these accounts raises serious concerns about the accuracy and integrity of your reporting process.
Product: Student loan

My loan servicer was recently changed from Great Lakes to Nelnet. I made an account to monitor/interact with Nelnet and found that their website states my first loan repayment is {$3000.00} per month starting XX/XX/XXXX. This did not match what my estimated monthly payment on PAYE ( which is my repayment plan for all my loans ). I called and spoke with a representative from Nelnet on XX/XX/XXXX who stated that I needed to apply for an IDR -- which I pointed out that ALL my loans on on PAYE. After multiple holds, he could give me no information as to why the monthly payment amount or the starting date stating " your loan repayments aren't even starting till next year, so I wouldn't worry ''. This response was unacceptable & I'm highly concerned about the competency of Nelnet to handle loan servicing. I am expecting repayments to start XX/XX/XXXX with income-driven repayment guided amounts via PAYE -- despite bringing this to Nelnet 's attention they have failed to resolve this issue, prompting my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a vehicle. The dealership pulled my credit report. It was only supposed to be one inquiry. However when I checked my credit report the following week, it showed that I had multiple hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I was about five months late on my Chase Student Loan back in 2014. One month I tried to continue to pay at least the minimum amount due so my loan would n't be charged off. I could n't log on and contacted Chase to resolve the issue. They said they charged my loan off because I did n't pay the amount due. I found out that I accidentally paid around XXXX cents less than what was due. I was making an honest attempt to stay above water but apparently that was n't " good enough ''. Anyways, I 've been getting letters from them saying that I owe the balance due in full in the amount of {$22000.00} which I obviously can not pay. While being behind on the payments that I started to pay, I asked if there were any other solutions to lower the payment but they refused to work with me. In the letters that I get they say that they can work with me but I will first submit my complaint to you to get your advice. I do n't know if they are planning on suing me next or what. I 've managed to get on repayment plans with all of my credit card debt so that can be taken care of so it 's like I do n't want to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my reportAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX
Product: Debt collection

collection attorneys attempting collection of an auto insurance balance that is not legitimate. XXXX XXXX screwed up a cancellation and reissue of a policy to a cheaper insurance company, claims I needed to submit copy of my old policy and new dated policy pages, which I had done and will not do again. Their error not mine
Product: Debt collection

On Mon XX/XX/XXXX XXXX CDT 2018, I called XXXX Customer Service and a representative from XXXX XXXX XXXX answered the phone from the XXXX number after going through the automated system. The representative did not identify the company that she represented, or that she was attempting to collect a debt, or that any personal information collected would be used for that purpose. I told the representative that I had a XXXX transaction from my sister that had not come through to my account, and the representative responded that she would be happy to assist me in resolving that issue, ( which the company has no control or access to even view XXXX account information or transaction, much less the ability to assist with XXXX transactions between two people ). My full name, email address, mailing address, social security number, personal XXXX account information, and phone number was provided to her. She was unable to find any information regarding me, and only then, when I became highly suspicious, did she inform me that she was not a representative for XXXX but rather a collection agency. XXXX XXXX XXXX did not identify themselves and through this omission of identification they therefore implied misrepresentation by impersonating a XXXX representative under the guise of assisting me with rectifying a personal family money transaction in order to obtain private, legally protected personal information for which I would have not provided had I known the truth. I recorded the conversation and can provide it if needed.
Product: Credit card or prepaid card

I was offered a special interest rate offer from Citi bank after the previous complaint in XX/XX/XXXX. The offer was a 3.9 % interest rate for all purchasing, ending on XX/XX/XXXX. I took advantage of this offer I was given from Citi. I have talked to their customer service representative to ensure this offer is on my account and future payment including the interest rate. Today, I saw my banking statement, and my interest rate is showing 19.99 % for purchasing transactions during this special offer ( before XX/XX/XXXX ). I agreed to get their offer, and there's no 'fine print ' of my interest will change to 19.99 % for the remaining account balance for the special rate purchases. 
In the past, I have XXXX  payment service on this credit card, the special interest rate was offered for this XXXX, and it has been kept the same rate. 

As my complaint last year and now, only this credit card account has the problems always, but other Citi credit card account and other bank accounts has never had any problems. 
Citi should not change its offer term without notification to consumers. Citi has failed to inform the interest rate will change back to the normal rate for the remaining account balance with the special interest rate.
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute of Account Balance - AMEX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction. 

This account was charged off by American Express ( AMEX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, AMEX should XXXX longer report any balance due. Therefore, the balance should reflect zero, and any continued reporting of this balance by AMEX is misleading and inaccurate. 

Furthermore, I have noted that AMEX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of AMEX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : 1. Documentation proving the accuracy of the amount claimed. 
2. A detailed explanation of why AMEX is reporting a balance despite the account being charged off.

3. Proof of XXXX XXXX XXXX legal authority to collect this debt. 

If AMEX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : 1. AMEX immediately update its records to reflect a zero balance on this account and cease any further re-reporting of late payments. 
XXXX. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA. 

Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation. 

Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above. 

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

Commentity Capitol Bank is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got done
Product: Credit reporting or other personal consumer reports

I have written several times to XXXX about removing an incorrect account on my profile and when I have asked for validation they dont provide documentation that they have done a sufficient investigation into the matter and have only sent me a credit report stating it is a valid debt with no documentation backing up their claims.
Product: Credit card or prepaid card

I signed up for a credit card with XXXX XXXX and they had an offer with capital one which stated i would get the following incentives : - 0 % APR intro for 15 months - {$200.00} cash bonus once i spend {$500.00} on purchases within 3 months from acct opening - 1.5 % cash back on every purchase / every day ***** transfer info : 0 % intro APR for 15 months, 19.24 % - 29.24 % variable APR after that. 3 % fee on the amounts transferred within the first 15 months. 

*** when i called into their customer service line, wanting to transfer my other credit card balances and do a transfer balance, the customer service supervisor at : XXXX stated this is not possible on the card as they were not offering this incentive for my card, although this was not stated anywhere once i was approved for the $ XXXX limit on the card. ****
Product: Credit card

I had signed up for " Payment proctection '' with Capital One for my credit card. I stopped paying due to financial issues and now they are suing me in XXXX XXXX Court. 
The payment protection add-on I paid for was described to be me as an insurance against a default. The company said I would be covered but they refused to honor their promise and now I 'm being sued.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete this immediately : XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am trying to change the phone number used for my Experian account. I called the number XXXX and they told me to go to their website and hung up.
Product: Debt collection

I keep getting letters and phone calls from a law firm named XXXX XXXX trying to collect a debt for midland funding I have no idea what this debt is and they have not provided what the debt is also midland funding is a debt collection agency i do not have any outstanding debt with any companies and want the phone calls and letters to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Account : XXXX XXXX Date opened is inaccurate. 
Balance & No. of month terms are inaccurate. 
High credit limit is inaccurate. 
Last reported date is inaccurate. 
Last active date is inaccurate. 
Date of last payment is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXXXXXX Date opened is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX Date opened is inaccurate. 
Last reported is inaccurate.

The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

Account : XXXX XXXX XXXX Account status is inaccurate. 
Date opened is inaccurate. 
No. Of month terms are reported inaccurately. 
High credit is inaccurate. 
Last reported date is inaccurate. 
Last payment date is inaccurate. 
The TWO YEAR PAYMENT HISTORY is reported inaccurately. 

- My DATE OF BIRTH is reported inaccurately by XXXX XXXX XXXX. 
- My current address is reported inaccurately TransUnion, XXXX, & XXXX ( My correct current & ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ) - My previous address is reported inaccurately TransUnion, XXXX, & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FCU XXXX Balance : {$23000.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. XXXX sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account.
Product: Credit reporting

Experian has not removed this item, although they have been contacted by XXXX as well as I have submitted documentation directly from XXXX that states the line item should be removed.
Product: Mortgage

Loancares parent company XXXX had a cybersecurity breach sometime in XXXX. Loancare then shutdown everything their whole system - phones, email and website so we had XXXX form of communication. Weve still have received no information from them after over a week. We are unable to make payments, but they are sending us late notices. They have sent an email stating they were back up and running and to go make payments. However, the website still doesnt load we get a XXXX error each time we try to access it. Phone lines go nowhere. This is extremely unprofessional. They stated no late fees due to this however they ARE giving late fees. This company is looking out for its own interests and not working with us consumers at all. We do not know what of our personal information has been affected because they wont tell us.
Product: Payday loan, title loan, or personal loan

XXXX XXXX  I never signed the contract. The amount was {$26000.00} year was XX/XX/2018 The company XXXX never verified my identification I never signed the contract. And I still owe {$25000.00} the loan never goes down could you please investigate that for me? I dont think it was correct with the way they did. Thank you, XXXX.