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

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 



XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

I opened a BANK OF AMERICA Checking Account XX/XX/XXXX. 
I transferred $ XXXX from the Checking to open a BANK OF AMERICA Savings Account XX/XX/XXXX ( because bank rep told me it was safer not to leave all the money in a single account ). 
I intended to park the funds to buy a house in Georgia once I recovered from my XXXX XXXX. I only had online statements, but I setup alerts > {$100.00} and locked my cards/accounts. My card is still in my possession. 
Someone began withdrawing funds @ Teller from the Checking Account on XX/XX/XXXX ( while I was still in XXXX XXXX XXXX  ). 
Someone began transferring funds from Savings Account into Checking Account on XX/XX/XXXX, then continued withdrawing the combined funds @ Teller from the Checking Account. 
My alerts never triggered because fraud was @ Teller ( In Person, Counter ). 
Fraudulent activities ended XX/XX/XXXX. 
Once medically cleared, I started looking for a home which is when I discovered the theft ( XXXX XXXX ). I contacted Bank 's Fraud Dept and was told to get an attorney. I have been unsuccessful in retaining an attorney, and I'm now missing over $ XXXX combined. How can I recover my money?
Product: Credit reporting or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX XXXX mortgage XXXX increased by {$1900.00} from {$320000.00} to {$320000.00}. 

account numbers : XXXX XXXX XXXX Please verify this information and correct the negative remarks as all payments have been made on time. Attached is a copy of payment transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In ordinance with the fair credit reporting act. Everything on my credit report must be 100 % accurate on my credit report. The credit bureaus stated that they properly investigated information on my report. But that information is inaccurate. This is grounds for removal.

They also violated my rights under 15 U.S.C.1681 section 602 states I have the rights to privacy.

15 U.S.C. 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without written permission. 

The account is XXXXXXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING 2 LATE PAYMENT ON MY LOAN WITH ROADRUNNER FOR XX/XX/XXXX AND XX/XX/XXXX. I HAVE NOT MISSED MY XXXX PAYMENT AS I HAVE PROOF THE PAYMENT WAS MADE EARLY ON XX/XX/XXXX. LASTLY I CONTACTED XXXX IN REGARDS TO XX/XX/XXXX PAYMENT BEING REPORT LATE AND THIS ALSO CORRECT DUE TO A BILLING ERROR. MY PAYMENTS ARE DUE ON THE XXXX OF EACH MONTH. A PAYMENT IS NOT REPORTED LATE TO CREDIT BUREAUS UNTIL IT IS 30 DAYS LATE. I MADE MY XXXX PAYMENT AND XXXX PAYMENT BOTH ON XX/XX/XXXX IN THE AMOUNT OF {$500.00}. I AM AWARE THAT THESE LATE PAYMENTS ARE 100 % INACCURATE AND I WANT THEM REMOVED IMMEDIATELY AS THEY DONT REFLECT A HONEST REFLECTION OF MY PAYMENT ABILITY. ACCORDING TO 15 USC 1666 CORRECTION OF BILLING ERRORS I AM AWARE THAT BOTH LATE PAYMENTS MUST BE REMOVED AND PROPERLY INVESTIGATED.
Product: Debt collection

Midlan Credit has fraudulent account in my name claiming I owe them XXXX as of 2021 which is not correct I do not own this company any money nor do I have an active contract or account with this company. This company has illegally bought, sold and traded my personal information to obtain a debt not owed to them. They were notified upon them contacting me that this was a fraudulent account and they threatened me saying I better pay them XXXX that I did not owe them and ruined my credit and I am seeking a remedy to make me whole from the damages that Midland Credit fraudulent reported to all 3 Credit Bureaus. XXXX notified me of the issue and this has costed me hundreds to thousands of dollars in damages. I am requesting this company leave me and my credit alone.
Product: Debt collection

XXXX XXXX XXXX Accounts # XXXX XX/XX/2019 Balances {$660.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the XXXX office they are available ... thank you very much I hope solution immediatel
Product: Money transfer, virtual currency, or money service

My account was used by someone else to receive a cash advance for {$120.00}. XXXX took the money out of my bank account even though I never received the funds. This can be proven by my bank. I attempted to resolve this issue with the company but they told me I had to contact my bank. My bank didnt do anything wrong, and neither did I, so my bank is not responsible - the company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on some mistakes showing on my credit report. I just looked at my credit monitoring site and it shows an account added to TransUnion with XXXX XXXX XXXX with a date opened XX/XX/XXXX. This is garbage, they re-aged this because another reporting agency had it reporting opened XX/XX/XXXX so where did TransUnion get off reporting it with a new date? This is a huge violation of the FCRA This is adding another year to things.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of ED/XXXX XXXX has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXX U S Dept of EDXXXX XXXX has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX  has violated my rights. 
In Accordance with the Fair credit Reporting act Convergent Account # XXXXXXXX XXXX  has violated my rights In Accordance with the Fair credit Reporting act Convergent Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I have disputed all inquries on my credit report as ones I dont recognize and Equifax has chopsen not to respond to my inquiry within the allowable 30 day time fram per FCRA. As a result, I would like them removed due to no reponse from them.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX  XXXX my husband and I entered into a debt management plan with XXXX XXXX XXXX. One of the accounts included in the plan was Capital One Credit Card Acct ending in XXXX. In XX/XX/XXXX we received a program payment acceptance letter from Capital One, dated XX/XX/XXXX, lowering our monthly payment to {$75.00} due the XXXX of every month. The letter stated, " You will know the terms of the program have been applied to your account when the APR of 9.9 % is reflected in the Interest ChargXXXX Calculation section of your monthly statement. '' Capital One is reporting that our XX/XX/XXXX payment as 30 days past due. I have disputed this information with Capital One on two separate occasions and have disputed the error to all three credit reporting bureaus twice and Capital One continues to report the inaccurate information which is now impacting our ability to obtain a mortgage loan. 

I have attached the following : 1. The Payment Proposal Acceptance letter from Capital One XXXX. Our XXXX Credit Card statement showing the agreed upon 9.9 % APR but an inaccurate minimum payment amount of {$100.00}. ( Payment due according to agreement was {$75.00} when 9.9 % APR was shown ) 3. Our XXXX Credit Card Statement showing our XX/XX/XXXX payment received on XX/XX/XXXX for {$75.00} Our XX/XX/XXXX payment was made 4 days after the XX/XX/XXXX due date ( not XXXX ) and in-full based on the agreement they entered into with us XX/XX/XXXX.
Product: Checking or savings account

Between XX/XX/XXXX through XXXX the third, I purchased a XXXX of the commercial Espresso coffee machines from XXXX website using a PayPal and Venmo to make the payment. However I didnt not received any item from the seller. All I was getting was a email and message saying that, the items are successfully delivered. The only thing that I received from the website is a silver dollar. I received same exact thing, silver coins. Once I realized that, the site is scam, I opened a dispute complaint on XXXX XXXX with PayPal, Venmo, the website and my bank institution. 
All disputed charge with Venmo was successfully resolved. I received a a refund for all charges. The website did refunded. But with PayPal, out of XXXX transactions, I received a refund for XXXX items and still waiting on the XXXX more. In the amount of XXXX still waiting to get resolved. The XXXX transactions that Im still waiting to get a resolution from my bank institution and or PayPal and its taking too long. Every time I call to my bank, they tell me to contact PayPal, when I call PayPal, they tell me to contact my bank.
Product: Credit reporting or other personal consumer reports

im a XXXX  senior in shelter found fraud collections on report thru XXXX XXXX  and XXXX XXXX claim they dont see this im demanding investigation due to freeze on all bureaus no one should not been anyway way for someone to apply for anything in my name im paying XXXX credit cards was XXXX now im in collections from some company source XXXX XXXX XXXX acct no XXXX snapshot dont know what that is with XXXX  contact them demanded investigation in writting to me as to how they got my info to open this account for XXXX contacted police fbi wo and anyone else you may suggest to me working on XXXX XXXX XXXX XXXX  ... this is unexceptable to go thru this im trying to move please help
Product: Debt collection

In XX/XX/2021 the membership was canceled due to medical conditions making it so I couldn't go to XXXX XXXX. This was done in person at XXXX XXXX. Now I am receiving emails from a collection agency demanding payment of over {$300.00}. I have emailed them back asking them to verify the debt. No documentation has been mailed to me from them at all. I called today and was hung up on and told to pay something I owe. I'm not paying for something I have been medically told not to exercise for.
Product: Debt collection

The offices of Daniels, Norelli, Scully & Cecere, P.C. mailed a letter to an address that I 've never resided in. Such address belongs to a friend. Therefore, my privacy was violated when they disclosed information regarding this particular debt to a third party. I 've never been associated with that address whatsoever. Even if my credit report was ran with permissible purpose, it would not display such address. I 'm not sure what means the debt collector used to obtain my friend 's address. I would surely hope that they did not run his credit report without permissible purpose.
Product: Debt collection

Contacted both the provider and collection agency many times sent copy of cancelled check to both still showing up on my report 1 1/2 years later
Product: Debt collection

Lvnv llc is trying to collect XXXX different debts XXXX for XXXX and XXXX for XXXX for utilities opened in my name I have no utilities in my name the company I work for pays my rent and utilities I only pay internet both accounts were opened on the same day I have been taking care of my credit for years and this is really impacting it please help me get this resolved
Product: Debt collection

XXXX and their attorneys filed a garnishment affidavit on XX/XX/XXXX without my knowledge of any kind of a court date never served any kind of papers they took {$12000.00}. I was left stranded in XXXX. 
This money is from my Social Security and my deceased husbands pension. The debt was from XXXX. I have not had any contact with this company that I can recall if I had it would have been XXXX to XXXX  years ago. I contacted XXXX and asked for proof that this was my debt have received nothing.
Product: Payday loan, title loan, or personal loan

Hi okay so I purchased some stereo speakers from a stereo store in XXXX XXXX and well was told that I was approved for XXXX $ in credit I thought I was getting credit from them but instead I actually received credit from a bank called AMERICAN FIRST FINANCE and well they had told that my credit had nothing to do with it they just needed a pay stub and that there was automatic payments taken out every time I get paid and I was never really shown a contract or anything I just remember signing a electronic signature on there computer but it was just to verify my info no contract whatsoever so now Ive paid over 1k dollars and I called the finance place to check my balance and they tell me that my balance is over 1.4k Dollars and as they told me they were saying that I had 3 months to pay it off and or else I would be charged XXXX $ per day and Im XXXX yrs old and I help pay my family bills and Im just working part time job and Im paying literally XXXX $ a month just instetest for some XXXX $ speakers so my point is that the store never mentioned any of this if they would have I would have paid it off by 3 months or never got the loan this is a scam there signs dont say anything of having to pay all this money and well I wasnt explained the contract so can u please help me resolve this and the company American first finance very rude they dont understand my financial situation not like any other bank they would do anything to take money out of my bank account
Product: Checking or savings account

ON XX/XX/2018 WELLS FARGO WITHDREW {$5500.00} FROM CHECKING ACCOUNT WITHOUT MY KNOWLEDGE.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a hard inquiry from lift fund parent was filed on my credit report that I did not recognize nor did authorize the company to pull my credit. XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I did not recognize nor did authorize the company to pull my credit. XX/XX/2023 Navy federal Credit union was filed on my credit report and I did not authorize this.
Product: Credit reporting or other personal consumer reports

This is my second time asking for TransUnion to remove this inquiry XXXX 15US code 1681 n Infamis of pulls or unauthorized account that is not mines.

As a consumer by law this must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have involved and sent this letter to XXXX, Attorney General Office and Fair Trade Commission.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX, has violated my rights with an unauthorized inquiry on XX/XX/22. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted XXXX in regards to erroneous information on my report as I was trying to buy a home. I provided information for accounts that had been paid, accounts put in my name that were not mine that I paid anyway. XX/XX/XXXX, I provided XXXX information for accounts they are showing again me that were paid by a XXXX XXXX  Claim. To this date XX/XX/XXXX, XXXX refuses to update the information. Currently they are even showing I have 4 accounts with negative information but they are only reporting 3 accounts with negative information which is still erroneous information being reported. I have become homeless due to these mistakes and at this time will seek Attorney. I have all documents which have been given to XXXX over and over for years now! The also refused to update my credit score with Experian XXXX accounts reported to them per my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been XXXX  fraudulent XXXX opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what else. I have filed a XXXX XXXX as well. I would like for XXXX  these items to be deleted from my credit profile. I also learned that some family mem-bers illegally purchased cars in my name, and have refused to delete my name from their XXXX  loans. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is XXXX  or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX  data field formatted reportingXXXX  To be clear, you are mandated by laws to eliminate XXXX  notation and or aspect of XXXX  and XXXX  derogatory and adversary items from XXXX XXXX XXXX alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that XXXX XXXX XXXX deroga-tory or potentially injurious reporting MUST be XXXX  of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of XXXX  single XXXX even each XXXX XXXX XXXX XXXX of the allegations accused of me deficient of physical evidence to XXXX XXXX XXXX aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an XXXX XXXX XXXX XXXX XXXX XXXX, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my XXXX XXXX, possibly causing violating infringements and injury to my XXXX. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate XXXX XXXX XXXX of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single XXXX  even each XXXX XXXX XXXX of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!