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

I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Credit card or prepaid card

On my XX/XX/XXXX bill there was a charge for XXXX dollars from XXXX XXXX which i did not authorize, I called the XXXX XXXX who handles my XXXX reward card since I did not know who XXXX XXXX was, i was told that XXXX XXXX was billing on behalf of XXXX a company that i purchased a year long XXXX coverage I attempted to call XXXX XXXX with no success so I had a three way call with the bank and XXXX XXXX since they were able to get thru to them where I was not. I was told by the bank that I had to contact XXXX which has no phone number only a live chat which went around in circles since no one on the chat could resolve the problem I was told I would be contacted via email which never happened. I recieved a letter from the bank that stated they needed my permission to consider it fraud and they would send me a new card, I sent that back. My XX/XX/XXXX bill arrived and the charge was still on it so I called them again. They said they were still investigating this charge. They are now sending me a no charge credit card, Today I got a call from the bank, the dispute department, they have no info, issued a new claim number and they now want me to send them some screen shots my brother took. This has caused me hours and hours of my time, some time on my brothers part and a lot of frustration. I feel that they are putting undue pressure on me to pay this fraudulent charge by making it time prohibitive for me to continue to persue this issue. This is the very short version
Product: Debt collection

There is a collection account in the amount of {$9700.00} showing on my XXXX credit report from XXXX XXXX XXXX. I have submitted an Identity Theft Affidavit to them and followed up with a phone call to them. I was assured it would be removed by XXXX XXXX, XXXX. It still has not been removed. It has been 2 months I have been disputing this account as a result of Identity Theft. XXXX XXXX XXXX does not care to remove this harmful account from my credit report.
Product: Debt collection

I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date.
Product: Checking or savings account

Wells Fargo drive thru atm on XXXX XXXX XXXX XXXXXXXX in XXXX XXXX I selected to withdrawl {$1000.00} and the machine gave me {$500.00} I called the bank located on XXXX XXXX XXXX  XXXX. 
Although its a fully functioning bank no calls are received by anyone inside this location. 
I then called the # on my bank atm card. The said they would do a investigation. They told me it would be 5-7 business days. 
Wells Fargo credited my account the {$500.00}. 
Wells Fargo then reversed the {$500.00} saying after a audit the system was not short {$500.00}. 
They closed the case. 
Im not willing to just sweep {$500.00} under the rug Claim XXXX XXXXXXXX Please help me if you can. 
Thanks XXXX
Product: Credit reporting or other personal consumer reports

ive requested SEVERAL times the information be VERIFIED from EACH company that reflects on my credit report
Product: Credit reporting

I have tried to get this state tax lien removed from my credit profile but the credit agency does not want to remove it. Therefore, I request the assistance of the Consumer Financial Protection Bureau to help resolve this issue as it has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Date of service XX/XX/XXXX reflecting on XXXX consumer report on the amount of {$19000.00} with Date open on XX/XX/XXXX date from delinquency is 10 months past collections after 60 day never received validation of debt or made aware of the account placed in collections once I reached out there text with serval attempts to settle for less than {$4000.00} without cellular phone consent to text me regarding this account once I investigate the allegations I was made aware that account was pif to original creditor and submitted proof of the explanation of benefits in writing to XXXX to support that account was pif I then received update on XX/XX/XXXX that this account was closed however balance owed still reflecting but with a different amount of {$17000.00} so I proceeded to contact XXXX to dispute account for balance owed to reflect XXXX on XX/XX/XXXX I then check the status of the dispute and I was informed that that the information was accurate by customer service member named XXXX then inquire about whom the investigation had taken place with I was then transferred and informed by XXXX whom stated on a recorded line that she was the supervisor and that the collections agency which the account was closed in XX/XX/XXXX confirmed the information was accurate which is a violation of the FDCPA I also received a letter from XXXX stating that there was no credit history report found and to provide further information to sn address that is not listed onu consumer report which is 8n violation of compliance and false information regarding my report and dispute request I have supporting documents to validate everything in this summary of events to be true and I also was informed by XXXX that I will need a subpoena in order to pull all calls in reference to this situation which is violation unable to give any legal advice for assistance. There is also an account that has been PIF and is reporting to my CBR 5 TIMES which I have the EOB from insurance company that this ambulance and hospital bill is in fact PIF
Product: Debt collection

I receive calls from this company every non-holiday day during the week, sometime multiple times. They use several different number from the XXXX area-code and never leave a message when calling. I have called before, twice, and asked Diversified consultants to stop calling me. The last time I called I was told, " You owe us money and we have every right to collect. ''
Product: Checking or savings account

I went on XXXX to lookup XXXX  XXXX  customer support. Found a number believing it was XXXX  XXXX. Called an they pretended to be the company customer support. I didn't know that I could only withdraw a {$1000.00} a week from XXXX  XXXX. That was the reason for the call. They instructed me to place the money on another card until they fix the issue. When I did they hung up. I finally got the official XXXX  XXXX  number and told the to launch an investigation. They stole {$13000.00} from me.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX or XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX : XX/XX/XXXX RE : Last XXXX of XXXX : XXXX XX/XX/XXXX To Whom It XXXX Concern : I have recently been informed that there is negative information reported by the Credit that starts with my opened and applying for a personal loan XX/XX/XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry such as " I owe {$0.00} '' or " my account was charged off and collection delinquents due inaccurate activities reported and disputed by all three credit bureau and the consumers agency I challenge the accuracy, compliance and report ability of this listing. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 15 USC 1611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to false and misleading denial or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late
Product: Student loan

BACK IN THE MONTHS OF XXXX TO XXXX OF XXXX NELNET FEDERAL STUDENT LEARN SERVICER REPORTED TO THE MAJOR CREDIT BUREAUS THAT MY STUDENT LOANS WERE XXXX DAYS PAST DUE WHEN THEY WERE IN DEFERMENT FOR WHICH I APPLIED FOR AND BECAUSE OF COVID WERE AUTOMATICALLY PLACED DEFEREMENT AND FOREBEARANCE AND ARE NOW CURERENT BECAUSE OF SUCH REASON, CONTACTED LOAN COMPANY AND EXPLAINED SITUATION AND THEY REFUSE TO DO ANYTHING OR FIX IT WITH THE CREDIT BUREAUS, AND NOW THESE INCORRECT REPORTINGS HAVE CAUSE ME TO BE DENIED CREDITAND WOULD LIKE THEM CORRECTED ASAP ... ... .....
Product: Credit card

Subject : Formal Inquiry Regarding Closure of Credit Card Accounts Without Prior Notice Dear [ Discover Legal Department ], I hope this correspondence finds you well. I am writing to you on behalf of [ XXXX XXXX regarding a matter that requires your urgent attention and clarification. It has come to our notice that credit card accounts bearing the numbers XXXX and XXXX, associated with [ XXXX XXXX XXXX XXXX ], have been unexpectedly closed without prior notification. This action has raised significant concerns regarding potential breaches of contractual obligations and applicable consumer protection laws. 
As you are likely aware, the Uniform Commercial Code ( UCC ) outlines principles of good faith and fair dealing in commercial transactions. The closure of these accounts without any notice may be construed as a violation of these principles, warranting further investigation into the circumstances surrounding these actions. Furthermore, it is essential to ensure compliance with federal and state credit protection laws, which are designed to safeguard consumers ' rights and promote transparency in financial dealings. Any deviation from these regulations, including inadequate notice periods for account closures, could result in legal implications. In light of the foregoing, we kindly request your prompt cooperation in providing the following information : A detailed explanation of the rationale behind the closure of credit card accounts XXXX  and XXXX. 1. Provide detailed and specific reasons for the closure of XXXX account, including any instances of default or non-compliance. 
XXXX. Disclose the methodology and criteria used in the credit scoring system that influenced the decision to close the account. 
XXXX. Cease all adverse reporting to credit bureaus regarding the closure of XXXX XXXX account until these issues are resolved satisfactorily. 
XXXX. Reopen XXXX account and restore it to its previous status, pending the outcome of a thorough investigation into the accuracy of the reported information laws. 
Copies of any correspondence or notices sent to [ the human XXXX XXXX not the all-caps account holder ] regarding the closure of these accounts. 
We emphasize the importance of a swift and transparent resolution to this matter to ensure the preservation of our rights and interests under the law. Failure to address these concerns adequately may compel us to explore further legal recourse. 
We trust that you will give this matter the attention it deserves and provide a comprehensive response within a reasonable timeframe. Should you require any clarification or additional information, please do not hesitate to contact me directly at [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, NC XXXX United States ]. 
Thank you for your cooperation and understanding. Sincerely, INCLOSED STATE ID, SSN CARD. SIGNATURE AUTHENTICATING CLAIM NOTICE XXXX XXXX Documentation demonstrating adherence to relevant provisions of the Uniform Commercial Code ( UCC ) and applicable credit protection
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my credit report. The continued presence of these items has had a severe impact on my financial well-being and has caused significant distress. 
I have submitted all required documentation, such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my persistent efforts to rectify this situation, the fraudulent items persist on my credit report. Each attempt to remove them has been met with delays, inconsistencies, and an overall lack of resolution, causing ongoing harm to my creditworthiness and financial stability. 

I am formally requesting the following actions be taken as a matter of urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. 
Immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand the importance of maintaining accurate credit reports for both consumers and creditors, and I believe that my request for a fair and accurate representation of my credit history is well-founded. 

I hope that such measures will not be necessary, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  AR XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating changes everyday and surprise interest payments all the time. XXXX from XXXX XXXX in XXXX XXXX mi works in XXXX XXXX and admitted to running my credit cards up and costing me my job. I don't know how he can do this. Please look into this. Suspected bank fraud as well. XXXX XXXX admitted to it. XXXX XXXX XXXX is my bank in XXXX mi. Please look into this. Also there is someone giving ot my information on the dark web. Not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS XXXX DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN 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 THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?
Product: Debt collection

Harris & Harris represented to me over the phone that a bill was in my possession, which in fact had never been delivered. After confirming my only address, they stated the letter was not delivered due to the address on file with their client being incorrect ; they do not dispute this error. When I responded to their phone call in which they stated I owed a debt - any inquiry as to the details of the debt were met with resistance. I was told that if I did not pay right away, my credit would report would be hit. I requested that if - any - substantiation of the debt would be provided, I would be happy to look into it. I was threatened that if I requested documentation of the debt, my credit would be affected. I persisted with the request for the evidence for the debt, receiving it finally the week of XXXX XXXX. This was the first bill I had ever received from the healthcare provider Harris & Harris represents. I pulled a credit report showing Harris & Harris entered the collection to my credit report weeks before providing me with the bill. In a subsequent phone the next week after receiving the bill, they refused to remove the collections to my credit, even if paid in full. 

Throughout my interactions with Harris & Harris they misrepresented communication with their client, lied about my communications with them. Their staff were elusive when pressed for even basic facts, and engaged in fast-paced, coercive lines of questioning as well. 

In summary, I was called one day and told I owed a debt. When I asked for the bill, I was harassed, had the debt reported to credit agencies, and lied to - all for a bill I was willing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX about the following accounts ; XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$66.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$85.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$90.00} Experian has failed to verify these fraudulent accounts on time as they are required by the FCRA.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023- Resurgent is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date Open : XX/XX/16 Balance : {$0.00}. Please remove.
Product: Debt collection

The company never provided details of the alleged debt when requested I have disputed this debt which I do not owe, I am an employee of XXXX XXXX and this should have never become a collection matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I am trying to get the 3 major credit bureaus to report correct information instead of fraudulent information in which they have been doing for the past 9 yrs and it is causing unnecessary stress to my health as I am XXXX and my son as he is XXXX as well. Let me first start by saying transunion is falsely reporting addresses I never lived at as well as credit inquiries I keep asking them to remove because they are fraudulent and do not belong to me and I keep contacting them and sending documentation but they refuse to correct the problem at this point I am seeking an attorney because this has gone on way to fair. Being a victim of identity theft is a lot to handle on its own. Please make these companies stop false reporting because my credit scores should be well over 700 at all bureaus. My problem with my transunion report is it shows a XXXX Inquiry from XX/XX/XXXX  XXXX   XXXX XXXX XXXX which doesn't belong to me and is fraud and I would like it removed as well as a address that is fraudulent of XXXX XXXX XXXX XXXX as I have never lived there and this is fraud and I would like it removed because it doesn't belong to me and is fraudulent. As for XXXX there are two fraudulent credit inquiries that need to be removed because they do not belong to me and are fraudulent and I would like them removed from my report they are XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX remove these inquiries at once as they do not belong to me. And as for XXXX  there's a XXXX XXXX XXXX inquiry and XXXX XXXX inquiries that are fraudulent and need to be removed as they do not belong to me.