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

Dear Equifax Credit Bureau XXXX XXXX, I am writing to request the removal of the account with XXXXXXXX XXXX ending in XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXXXXXX XXXX  and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Equifax has repeatedly violated the allowable time frame to resolve and correct these issues. Therefore, I am requesting the immediate removal of this invalid information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX is a copy of the information that needs to be removed from my Equifax credit report : **FILE A DISPUTE** XXXX XXXX  Account Number : XXXX **Report Date : ** XX/XX/year> **Reported Balance : ** {$7500.00} **Actual Payment Amount : ** {$0.00} **Date of Last Payment : ** XX/XX/year> **Past Due Amount : ** {$7500.00} **Account Status : ** Closed **Date Reported : ** XX/XX/year> **Payment Details** Last reported payment information can be reviewed by clicking " FILE A DISPUTE '' to continue. 

XXXX XXXX XXXX your monthly payment status by year. Click " Historical Details '' to select a category and dispute specific information. 

XXXX XXXX XXXX a category to view and dispute specific historical payment information. 

**Lender or Creditor Contact Information** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Navient has begun a harassment campaign against me by making many calls per day to my phone number from different states and at all times of day. This has resulted in a confusion between these Navient spam calls and important calls that I get during the day. I have missed an important call from a personal contact because the call was filtered out as spam along with the unreasonable amount of spam Navient calls. Navient 's phone call harassment campain against me can not continue because it might lead to me missing an urgent call for help from a family member or friend and the results could be disastrous. 

I demand that Navient immediately cease spam calling my phone number because this presents a tangible danger to my family and other contacts.
Product: Consumer Loan

I opened a XXXX money account with CONN Appliance. I purchased a table and washing machine 12 months no interest. I purchased a TV and stand in XX/XX/XXXX 2014. The balance XXXX from the XXXX money account was carried over to the new contract to combine XXXX.  I received a call XX/XX/XXXX and the representative stated that I has a past due XXXX.  I have never been late on my account so I asked what account are you talking about?  The representative stated the $XXXX would bring me up to date and that I was not late.  After breaking down the accounts I was told that the accounts were seperated.  I told them I had the paperwork and the balance from the XXXX account was carried over.  They seperated the accounts without my knowledge, added interest to the $XXXX which bought the seperated account up to over $1400.00.  I signed a new contract and the old contract was posted as paid. I was told the store should have contacted me.  I went to the store and XXXX gave me a customer service number to call and told me not to listen to them.  I have received harassing phone calls, collection threats and feel as if I am being scammed.  I have spoken to supervisors and no one is will to work with me.  The store blames corporate and corporate blames the store.  CONN Appliance waits until you are almost done with your payments and changes things without your knowledge.  This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried today XX/XX/2021 to submit a dispute again over the internet with XXXX  in regards to 2 credit inquires that are to be removed off my XXXX  credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXXXXXX  that was also done 2 years ago. These 2 inquires should be removed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Transunion. Please delete the following 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
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX will not fix the problem on my credit report. All credit agency XXXX XXXX and Experian and XXXX will not fix problem. 
This was never suppose to be on my credit and have never provided the signed contract for service which they are trying to collect on??????? 
Only XXXX credit collection company XXXX followed the rules that XXXX sold debt too.
Product: Checking or savings account

I had a Wells Fargo account several times, I notice that when I would call to check my direct deposit the information didn't match the paycheck stubs.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX, I mail a letter Notarized & CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX to XXXX include a bill with proof of my new residency requesting XXXX to updated my Personal information on the records, and no one has replied me back that my case has been received or under dispute and again XXXX stated : We have contacted the company reporting the information you disputed. 

Wish Company XXXX have contacted? I am requesting to remove the old Personal Address and Telephone and variation on my report. 

2. On XX/XX/XXXX, again, I sent a second dispute online and received Report Number from XXXX. Less than 7 hours on XX/XX/XXXX, I received an email stating that my dispute was complete and closed. None of my Old Personal information, like Addresses variations, Phone variations, has been deleted. 

XXXX created a trap system almost impossible for customers to dispute wrong information on their files. These multiples addresses appear on my XXXX  credit reports is causing my personal documents or information to be sent to your old address listed on the XXXX report. 

It is my right, and I do not want my old address or phone, employer listed on my credit file. I am here requesting XXXX to delete this variation information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts I never opened yet I disputed and come back as accurate, no where I signed a contract in person or online possible fraud / identity theft I never used or charged these cards. XXXX opened XX/XX/XXXX charged off XXXX, XXXX XXXX opened XX/XX/XXXX charged off XXXX, XXXX XXXX opened XX/XX/XXXX charged off XXXX, I am retired 24 years and have not opened these accounts
Product: Debt collection

In XX/XX/2019 I contacted XXXX services in New York to inquire about opening an account to use their internet services in my new home in XXXX. After learning that the available internet speeds on their service was not satisfactory, I informed the customer service representative I was on the phone with that I was declining service as I was not interested any longer. I proceeded to have internet service installed by another provider. In XX/XX/2019, I received a bill for internet services and for installation from XXXX despite the fact that I indicated I did not want their service during my phone call and I did NOT have any equipment installed at my home. I proceeded to contact XXXX several times over the next few months as they continued to bill me. I spoke with numerous departments and never got it resolved. I have now received debt collection notices from two different debt collection businesses working on behalf of XXXX. The first debt collection notice came in XX/XX/2019 and I sent a letter disputing the debt and did not hear from them again. I received a new notice from a new debt collection business just now regarding this same debt. I can not figure out how to get XXXX to stop seeking collection on a debt I did not incur. I appreciate your help.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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: Money transfer, virtual currency, or money service

To whom it may concern, As confirmed by XXXX County Sheriff 's Department, my identity was stolen on XX/XX/2022. By stealing my identify, access to my Bank of America online account was gained. 
On XX/XX/2022, there was a new, unauthorized recipient added to XXXX recipients using my Bank of America XXXX  account. Following 2 fraudulent payments were sent to zelle address XXXX : 1 ) {$100.00} confirmation # XXXX 2 ) {$95.00} confirmation # XXXX Bank of America ignored supporting evidence and rejected the claim, stating it was authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert of a hard inquiry pull on my credit report from Keystone Equipment Finance Corp . I called the company number, and I spoke to their XXXX XXXX, XXXX XXXX, who notified me that my ex-husband reached out to them asking if he can apply for financing for a truck for his logistics business. Previously, when we were married, my ex-husband financed a truck through the company and used me as a guarantor. He has since paid that truck off. General counsel explained to me that since the company had his previous application on file, they could expedite the financing process. The company nor my my ex-husband asked for my consent to be a guarantor again and ran my credit without my permission. Our divorce has been finalized since XX/XX/2022, so there should have been no reason for my name to be on this new application. Additionally, XXXX XXXX also informed me that my ex-husband forged my signature on the new application. I am requesting an investigation into this matter and the removal of this hard inquiry from my credit report. XXXX told me that he removed me as a guarantor on the new application and made a note in the file. I have also asked him several times for a copy of the application with my forged signature, which I have yet to receive.
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 USC 1681 1. Account XXXX Account Balance {$300.00} 2. Account XXXX XXXX XXXX Account Balance {$300.00} 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.

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report filed with FTC for identity theft fraud report sent to reporting agencies XXXX, Equifax, and XXXX dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect information.
Product: Debt collection

Choice Recovery INC reported my brother 's medical debt under my name and Social security number, we are twins, as to HOW these idiots managed to mix my name and his up much less our Socials is beyond me. I called they refused to give me information, I had my brother call and ask for supporting documents to resolve the issue and they utterly refused. Choice recovery tells me XXXX XXXX is the one that made the mistake, and then XXXX XXXX tells me it was Choice recovery so these people need to get their act together. I don't have 30 days to wait for these dudes to respond to a dispute request in fact I called and asked them to respond and they basically said they wouldn't and DENIED TO HELP ME FIX an issue they created. XXXX XXXX basically said they have 30 days to respond and will just ignore the request knowing it will drop off if they don't which is a lie because I tried disputing it before XXXX and it said it couldn't be amended off my record so I had to do it a 2nd time... I have all this documented and calls recorded so don't XXXX me around. You guys claim you didn't report it under me well see attached documents showing otherwise you XXXX* Liars. document clearly shows MY NAME AND SOCIAL not my brothers get your XXXX together.
Product: Debt collection

i have tried to settle issue with this company and no anvil they refuse provide proper information on this debt. this company is reporting invalid amount and invalid dates the amount owed is XXXX and the are reporting XXXX owed the original default date in XX/XX/XXXX they have updated it toXX/XX/XXXX restarting sol texas for debt collection I have sent out two letters to this company requesting proper information
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent and incorrect credit card balances on my credit report. I had a block placed due to fraud and incorrect balances with several creditors. XXXX XXXX is a fraudulent account on all three bureaus collecting for XXXX they sent me a letter of fraud. I was XXXX at the time of that account. XXXX XXXX is reporting a incorrect balance and have not responded to my request to correct or remove after receiving a check from the GAP INSURANCE the balance is {$1500.00} more than the true balance, its been over 45 days no response from XXXX XXXX or Equifax. Equifax is reporting 3 fraudulent US Department of Education accounts and refuse to respond or remove these accounts. An unauthorized BLOCK HAS BEEN PLACED ON MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

LETTER OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Effective Date : XX/XX/2023 RE : Notice of Intent to File Lawsuit To whom it concerns, This letter of intent to sue shall serve as formal notice that XXXX XXXX XXXX intends to commence a lawsuit against you due to the following : 1. Unauthorized use of personal information 15 U.S. Code 1681b.

2. Redundant inaccurate reporting, after numerous certified mail disputes 15 U.S. Code 1681n - Civil liability for willful noncompliance/ U.S. Code 1681s-2 ( b ) Reporting information after notice and confirmation of errors 3. There are multiple references of dated, late and missed payments which are a part of transaction history the listing of such is illegal see 15 U.S. Code 1681 ( A ). 4. Inaccurate, unfair and Noncompliant reporting has ruined my image during background checks for security clearances, and the option to rent. Ive personally missed 3 job opportunities over XXXX each due to negative credit shown on my consumer report. Ive also had to consult with the XXXX XXXX department of the Veteran Affair for psychological damage after unemployment and financial hardship. 
. 
I. The Plaintiff. XXXX XXXX XXXX XXXX. The Defendant. XXXX XXXX. Settlement Demand. 
XXXX XXXX breach Settlement Claim Number : XXXX As a result of your actions, the Plaintiff seeks relief in the form of a payment in the amount of XXXX XXXX XXXX XXXX ( {$220000.00} ) for psychological, financial, reputational damage. 
This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 30 days from the Effective Date.

V. Governing Law. This Letter of Intent shall be governed under the laws of the State of North Carolina.
Product: Vehicle loan or lease

I received an account history mailed from Bank of America on XX/XX/XXXX, showing my original loan amount as {$48000.00} and the Maturity Date as XX/XX/XXXX. As of XX/XX/XXXX, Bank of America has received {$42000.00} in interest. The total interest Bank of America was to receive was only {$37000.00}. When I called Bank of America in XX/XX/XXXX, I was told I owed an extra {$4900.00} in interest because of a balloon payment for the 4 loan extensions totaling 5 months. I asked Bank of America if I could make payments to this alleged balloon payment, but Bank of America said I had to pay it in whole or I would be in default. I have no knowledge of a balloon payment, and it was never talked about or in the agreed contract I signed that I am aware of. Bank of America applied 9 months of payments strictly to interest when our agreement only allows them to do this if I was late or missed a payment, which was never before XX/XX/XXXX, according to my credit report. I contacted Bank of America on XX/XX/XXXX, to try to resolve this issue. I was transferred to management, where I was hung up on while trying to explain the evidence in front of me at the time and have Bank of America show me where in our contract it stated that I would have to owe a balloon payment. Since I was hung up on, I referred to writing Bank of America by sending them a letter on XX/XX/XXXX, in which they responded that my letter was without merit. On XX/XX/XXXX, I sent Bank of America another letter specific to our loan agreement that shows that I should not owe anything on the loan and that our contract was fulfilled in XX/XX/XXXX, to which Bank of America never replied. Bank of America wrote a letter dated XX/XX/XXXX, stating that I was in default and that Bank of America would repossess the collateral if I did not pay {$4600.00} by XX/XX/XXXX. Bank of America is trying to collect more than they were owed without sending any justification and breaching our agreed-upon contract. I was unfairly tricked into a loan extension by misrepresentation from Bank of America.
Product: Debt collection

THEY BEEN CALLING ME SEVERAL TIMES, BOTHERING ME ARISE ME THAT XXXX ARE GOING TO USE A LAWYER TO BE SURE THAT WILL COLLECT OUTSTANDING AMOUNT OF {$10000.00} WITH ALL INTERESTE ACUMULATED IF TAKE ME TO COURT IS GOING TO BE MORE MONEY ... .SEVERAL TIMES ... WHICH TOLD THEM STOP CALLING ME, DON'T ARISE ME ETC, BUT THEY KEEP INSISTING ME I AM XXXX  YEARS BEEN I N THE HOSPITAL TWICE, AND DON'T NEED THIS AGRAVATION, PLEASE I AM BEGGING TO HELP ME NEED TO GET AWAY FROM THESE PEOPLE... .THANK YOU VERY MUCH FOR YOUR SUPPORT AND COOPERATION ... ..They been having a lot of colplaints, from Consumers. 

Note : The name of this Company is : Credence Resource Management, Their PH # ( XXXX ) XXXX, but think they been calling me from others of theirs numbers, Thank Again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2019, I attempted to apply a security freeze on my credit report using Experian 's website. Submitting all my information correctly, I receive the following response : We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered They want me to do this through the mail with various forms of documentation, which is not entirely secure. It's also not within the time frame of which they should allow me to carry out this type of action.
Product: Credit reporting or other personal consumer reports

my Fraud Block request was declined by TransUnion I sent all paperwork to show and filed 2 police reports too. XXXX approved it and blocked it but Transunion did not. By FCRA 605B I have the right to get them fraud accounts blocked the next step is to file a lawsuit.