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

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Loan with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Charge account with account XXXX XXXX opened on XXXX/XXXX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian - I have sent several dispute letters to Experian all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.
Product: Payday loan, title loan, or personal loan

I bought a pair of pants from XXXX and used the pay in 4 method from Paypal. The pants were never delivered and the order was refunded to my account. They were returned to the sender and XXXX sent me confirmation of the refund and the amount as well as the date. 
I had a case open about the refund with Paypal and they initially did refund the purchase but then decided to take the money back after it was closed. I do not have the pants, PayPal knows I do not have the pants. XXXX knows I do not have the pants and gave me a full refund but Paypal is still billing for the pants. 

Here are the dates of the transaction XX/XX/XXXX initial transaction total XXXX XXXX automatic payment Tracking number where you can see original purchase was returned to sender XXXX on XX/XX/XXXX XX/XX/XXXX automatic payment XXXX XX/XX/XXXX automatic payment XXXX XX/XX/XXXX Overpayment refund of installment plan XXXX XX/XX/XXXX amount remining decreased by Paypal for XXXX $ XX/XX/XXXX amount remaining increased by XXXX XXXX XXXX refund reversal Paypal is charging me again XXXX $ for pants I never received. 

I have all emails, confirmations, shipping information and documents. 
I want Paypal to stop charging me for a pair of pants they know were not delivered. I have communicated this to them many times and can show that also. They did not respond to me.
Product: Credit card or prepaid card

Well I have a email saying that there were some alert on my credit bureau which the website is called kikoff.com. I dont even know how they got my information I dont even know how they got my email and theyre pretty much watching my credit so Im kind of worry and I need this to be resolved because the number that they have to call customer service it doesnt work and the number is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, We are requesting your assistance in having old addresses be removed from all 5 credit reporting bureaus. I am considering buying a house and i don't know how to get the old addresses removed. 

These companies would be : Experian XXXX  XXXX   XXXX XXXX XXXX  XXXX Thank you for your help!!!
Product: Credit card or prepaid card

I owed {$230.00} on a medical loan card. I paid the remainder, they're saying i still owe. I reached out to them to resolve it, my complaint wasn't accepted. Can you please get them to stop calling me and put it in paper. Sincerely yours, XXXX XXXX.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing errors on credit report To whom it may concern : I am writing to request a correction of the following information that appears on my credit report as of today XX/XX/2023. This information is fraudulent, and I did not make nor authorize for my credit to be assessed. I am the victim of identity theft and do not recognize these accounts. I am requesting that my report be updated immediately to reflect removal of the following accounts and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard report from Florida about airlines and i have never used that service nor have i been in florida, and i didnt search or put any of my information on any on-line or calling about Airlines. And also one for a walmart hard report. all done in XX/XX/2018
Product: Credit card or prepaid card

I was forced to expend the XXXX dollar credit given by AOL chase card in XXXX  because of a US CBP criminal XXXX XXXX harassing me at XXXX XXXX  and forcing me to sign I-407. This has happened because of fraudulent sun.com accountants did not want to pay me my capital or retirement or employ me when i complained in XXXX
Product: Credit card

I have disputed credit card transactions made by XXXX and XXXX on my credit card with Capital One, and Capital One refuses to address the concerns. I have provided Capital One with all of the information in my possession, including how I was locked out from the rideshare account that they want me to access to give them more information, I provided Capital One receipts of the charges and communication with the companies the charges are disputed with. Capital One told me I have not provided the information asked for even though they can see on my credit card statement that I was charged, no refunds have been issued, I have provided all documentation that I have showing the concerns, and I do not have anything additional to give. The companies the transactions are disputed with have not responded to Capital One regarding the concerns. I am requesting the concerns be escalated and addressed in a timely and professional manner. The companies that the transaction disputes are with have been contacted several times with no resolution and proof of this has been given to Capital One with no resolution.
Product: Credit card or prepaid card

I have repeatedly contacted Avant with the information concerning fraud, charges even for the same company went on new card that I havent even used, and nothing has been resolved.
Product: Student loan

On XX/XX/2021 I sent a certified letter stating that accounts : FedLoan were inaccurate and incorrect accounts. 

The Credit bureaus have investigated and stated account FedLoan can not be verified as being my account. This is grounds for removal. 

Under section 609 law states I have a right to see what the furnisher ( lender, creditor collector, or court ) sent to the credit reporting agency. Please provide my original promissory notes and all student loans that you service. Please send my original signature that was signed in wet ink ( not electronic ). The law also states that all debt has been paid for within 180 days. These accounts were already paid off. 

These accounts are not my accounts. See attached letters.
Product: Credit reporting or other personal consumer reports

Account Name : Credit Collection Servic Account # XXXX Balance : {$140.00} I am writing to file a formal complaint against XXXX, Equifax, and XXXX regarding inaccurate and unverified information on my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], it is imperative that the information reported by credit bureaus be accurate, verifiable, and fair. Additionally, I bring to your attention the relevant laws of the State of Florida, particularly the Consumer Collection Practices Act ( FCCPA ) [ XXXX XXXX XXXXXXXX ], which outlines stringent regulations concerning debt collection practices and the obligation of creditors to provide documentation verifying debts upon request. 

Despite numerous attempts and disputes, I have not received proper documentation or verification from either the debt collector or any of the aforementioned credit bureaus regarding the disputed account. This lack of verification is a blatant violation of my rights under both federal and state law. The inclusion of this inaccurate account on my credit report has had severe repercussions on my financial standing and has detrimentally impacted various aspects of my life, including but not limited to, my ability to secure favorable lending terms, obtain housing, and access other essential services. 

Therefore, I demand that the inaccurate account be promptly removed from my credit report in accordance with the FCRA and the FCCPA. Failure to rectify this matter expeditiously will compel me to pursue all available legal remedies to seek redress for the damages incurred as a result of the credit bureaus ' non-compliance with statutory requirements. 

I trust that you will treat this matter with the seriousness and urgency it warrants and take immediate action to rectify the inaccuracies on my credit report. I look forward to receiving confirmation of the removal of the disputed account immediately. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX ( company ) took out a business loan based on the company 's XXXX bank statements with XXXX in 2019. The interest rate and payments applied to the account were in dispute. The account went to litigation and was paid in full by the company as a settlement agreement recorded in the court. 

Experian Credit reporting agency has wrongfully continued to report this account on my personal credit report as a charge-off and late payments. 

XXXX XXXX XXXX XXXX, is a corporation ( XXXX XXXX XXXX ), not a sole proprietor. The loan agreement was based on the company 's bank statements and payments were deducted weekly from the company 's business account. I was the authorized representative for the company. XXXX made no attempt to collect from the company and proceeded with unfair collection practices by reporting the disputed account on my personal credit file in an effort to collect payment from the company. 

The dispute was settled in litigation and paid in full. 

This information should not be reported on my personal credit file. The loan was a business loan based on the company 's bank statements and was in dispute and ultimately litigated for over a year and a half. 

The file should be deleted from my personal credit file.
Product: Credit reporting or other personal consumer reports

Im unable to view my credit report and credit score, self attestation form is attached. I was told to file a complaint with the cfph and upload the forms so they can send them to them to remove the blockage
Product: Money transfers

My husband and I were supposed to close on our home in XXXX, FL on XX/XX/<YYYY> An email was sent by, who we thought was our realtor, to my husband 's email address with the wire information : Bank Name : XXXX, XXXX, XXXX, PA XXXX Account Name : XXXX, XXXX Account # XXXX Routing # XXXX We transferred the monies over to that account at around XXXX ( give or take ), at which my loan broker XXXX me with the realtor stating that, that email was n't from her. I immediately contacted BoA to put a stop and filed a claim on this transaction. The wire amount was for {$26000.00}. 
On XX/XX/2016 the claim was closed because BoA had the claim open as a " check fraud '' claim. 
On XX/XX/2016 we re-opened the case to the correct claim. 
My broker 's risk XXXX has been in contact with BOA, XXXX, the FBI and we did file a police report as well. 
Apparently, XXXX has the funds stopped. BOA, and XXXX are not communicating with each other properly and everything has been on a hold since XX/XX/<YYYY> The closing was extended for a couple of days being that if the funds were stopped and if everything went well, we would have those funds back immediately, and we could close on our house. 
As of today, XX/XX/2016, BOA sent numerous attempts to collect the monies back from XXXX, and now were are at a stand still. 
On XX/XX/2016 XXXX emailed BoA back regarding the monies. 
On XX/XX/2016 BoA stated that we were in good standing with BoA and XXXX and everyone was cooperating. 
On XX/XX/2016 BoA told us that XXXX denied the request and BoA attempted to close our case.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) THERE IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND RESPECT FOR THE CONSUMER 'S RIGHTS TO PRIVACY. I DEMAND A DELETION OF ALL PERSONAL IDENTIFIABLE INFORMATION FROM MY CREDIT REPORT WITH THE EXCEPTION OF : 1. MY FULL NAME : XXXX XXXX XXXX, 2. MY ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. PLEASE DELETE ALL OTHER ADDRESSES AND NAMES, I CAN NOT RECEIVE MAIL OR ANY CORRESPONDENCE NOR DID I EVER LIVED AT ANY OF THOSE ADDRESSES, OR USED ANY OTHER NAME EXCEPT MY OWN : XXXX XXXX XXXX. ALSO DELETE ANY OTHER PHONE NUMBER BESIDES ( XXXX ) XXXX FROM MY CREDIT REPORT. I DEMAND MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BE REMOVED FROM BEING DISPLAYED ON THE CREDIT FILE FOR PRIVACY REASONS. PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I AM A FEDERALLY PROTECTED CONSUMER AND HAVE A RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS AN INDIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS. PLEASE SEND AN UPDATED CREDIT REPORT ONCE THE CHANGES ARE COMPLETED TO MY CORRECTED ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX. 
I ENCLOSED A COPY OF MY STATE ID AND SOCIAL SECURITY CARD AS PROOF OF MY ADDRESS AND IDENTITY
Product: Debt collection

Cavalry Portfolio Is reporting collection on my XXXX credit report. This amount may not have been report on recent Bankruptcy because this account was found to be fraudulent by a court of law and Cavalry owner in Illinois civil court. This company Cavalry is reporting this found that I was not liable and dismissed without Prejudice on XX/XX/2014 by Cavalry 's attorney 's. This amount would have been included in my Bankruptcy if it wasn't dismissed in a court of law before the bankruptcy took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, 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. 


Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXXXXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
nquiry from XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from EXPERIAN XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and even made me a victim of the dark web. I'm now dealing with unauthorized and unknown accounts that I'm demanding be removed from my credit file immediately. Not one single credit reporting agency delivered A Method Of Verification of any sort to my persons. Therefore, I'm requesting these accounts be removed. 

1 ) XXXX XXXX {$22000.00} 2 ) XXXX XXXX {$100000.00} 3 ( XXXX  {$41000.00} 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX {$1500.00} 6 ) XXXX XXXX XXXX {$870.00} 7 ) XXXX 8 ) XXXX XXXX  9 ) XXXX  {$1000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX I was told if I opened a XXXX credit card that I could get a XXXXmonth no finance charge promotion plan on a purchase for XXXX, so I opened the credit card. On XX/XX/XXXX I called Comenity bank and spoke to an agent and requested auto-pay for 12 payments to be paid off by the promotion expiration date. 
My XXXX statement showed the final payment for XX/XX/XXXX was never made and the accrued finance charges of XXXX and a late fee of XXXX were charged and the balance of XXXX. I called Comenity Bank to find out why the last payment was not made and why the charges were assessed. I spoke to an agent, which then escalated the call to another agent. I told the agent that the account was supposed to be set-up for 12 auto-pays by the agent on XX/XX/XXXX. She then put me on a brief hold, then returned to the call and said she would take off the finance fees and late fees and I only owed the balance of XXXX, which she then took the payment from me over the phone. 
On XX/XX/XXXX I received a credit alert that my credit score fell from XXXX to XXXX because Comenity Bank reported late payments. I made a written dispute and they said because the statements explained the promotional balance was due by XX/XX/XXXX and it was not paid by then I owe the money. I am being charged monthly finance charges on a finance charge. 
I feel this was a scam by the company. Have customer open up credit card with promo plan. Only set-up customer up for 11 equal auto-pays, not 12. So when the 12 payment is not made, they are charged the accrued XXXXmonth interest at 29.99 %. The dispute letter states they did an investigation but they are taking no responsibility for their agents actions on both phone calls I made to Comenity Bank.