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

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the accounts which needs to be corrected or removed by the Credit Bureaus : XXXX. XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 


I have enclosed copies of documents that support my claims, including [ attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections ]. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting inaccurately on my credit file. I have submitted several disputes to the credit agencies with regards to these inaccurate late status ; Incorrect Names : XXXX XXXX  Incorrect Address : XXXX XXXX, XXXX XXXX, GA ( XXXX  ) Incorrect Address : XXXX XXXX, XXXX, GA XXXX Experian XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX  XXXX Dept ED/XXXX  - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$5200.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$11000.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$6800.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$3300.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$4800.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$3500.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ; Bal : {$3900.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Date : XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$5300.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; Dept ED/XXXX  - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$1400.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; XXXX  - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$34000.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; XXXX XXXX - Date Open : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX XXXX XXXX  XXXX ; Bal : {$0.00} ; the status is reporting incorrectly. I was never late from XX/XX/XXXX - XX/XX/XXXX ; The following items are reporting as a direct result of identity of theft : Oppity Fin - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ; Bal : {$3500.00} ; this account is a result of identity theft. 

XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX  XXXX XXXX  XXXX ; Bal : {$180.00} ; this account is a result of identity theft. 

Dept EDXXXX - Date Open : XX/XX/XXXX ( TU ) ; Bal : {$0.00} ; this account is a result of identity theft. 

XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; Bal : {$210.00} ; this account is a result of identity theft.
Product: Checking or savings account

Description : On XXXX XXXX, I received a call from someone who announced themselves as regions bank. They said that they were calling to verify suspected fraudulent charges currently being attempted in XXXX XXXX XXXX. I live in XXXX XXXXXXXX XXXX  and at the time was on vacation in XXXX XXXX  with my kids. I asked them to verify who they were... so they sent me a text from regions. The text came and they asked me to verbally verify the code. The next morning I noticed {$4500.00} was taken out of my checking account. I contact the bank an create a fraud complaint. They ended their investigation and gave me word yesterday that they are not giving me my money back. That this is a ach dispute. The assailant had all of my personal information and created a direct deposit. But it just says ach for the destination. " Therefore there is nothing they can do. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 credit inquiries on my Experian credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.
Product: Debt collection

Representatives, Specifically XXXX - Senior Vice President Director Commercial Recovery & Litigation The Offices of Montgomery & Meyers P.A. Corporation, have been harassing me regarding a debt. It began by them calling my XXXX father, they threatened him and tried to get him to pay a bill that clearly was not his. In addition, I have tried to resolve this but they have refused to provide any documentation that they represent the company they say they represent. I asked them to provide the original invoice, they refused. Throughout the process he has been abusive cussing and yelling. Lastly, while speaking with someone else from this office I agreed to pay the bill. When I called back to provide payment XXXX again being abusive refused to honor the arrangement.
Product: Debt collection

I received a loan from Empire Finance in XXXX, Oklahoma. During the collection process, a representative has called me from her personal cell. She has also called and left a voicemail on my work phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Five Fruad Accounts on All Three Credit Reports XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX {$690.00} XXXX XXXX  {$610.00} XXXX XXXX XXXX {$120.00}
Product: Student loan

I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed
Product: Student loan

I previously filed complaint XXXX. Mohela responded that my account was put into forbearance as a result of the SAVE plan being on hold. The CFPB closed the complaint based on their response, which was a lie. I have NOT been put into forbearance. In fact, Im now showing as past due, stranded in the level payment plan because they didnt process my SAVE application for two months before the court paused the SAVE plan. Now Im stuck either paying monthly payments that wont count towards the IDR forgiveness Ive been working towards for 15 years, or being delinquent and ruining my credit score. I was deceived into consolidating by my servicer and am now being financially harmed as a direct result of their negligence. All I want is either put in the SAVE plan that I applied for and was in prior to consolidation or to be put into non-interest bearing forbearance like all the other borrowers who were lucky enough to have a loan servicer that isnt incompetent.
Product: Checking or savings account

They have took out a total of XXXX dollars that are unaccounted for. They also said I took out increments of XXXX out of an arm. My bankstatensnts and transactions don't match. They just keep blowing me off and have even closed my account for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : Experian XXXX XXXX Accounts in disputes : XXXX XXXX XXXX Signed Contract with Company. 
XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXXThey state they sold account and can no longer collect nor place on my credit file. 
XXXXThey State they sold account and can no longer collect nor place on credit file. 
XXXX XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. 

There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. 

This is harming my credit and has been detrimental to my credit file.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a dispute letter to Kia Finance regarding the inaccurate reporting of my account. The company received this letter on XX/XX/year>, as confirmed by tracking number XXXX. I received their response on XX/XX/scrub> XXXX XXXX which stated that the information had been verified as accurate. However, the balance of {$10000.00} is still listed on my credit report despite the debt being written off as part of my divorce decree. I provided Kia Finance with a copy of the divorce decree, highlighting the section where my ex-wife was awarded the vehicle and took full responsibility for the vehicle, including any and all future payments. According to the decree, I was no longer responsible for the vehicle or its debt. I requested that Kia Finance correct the balance to {$0.00}, issue a 1099-C for the forgiven debt, and update my credit report to reflect the accurate status, but this has not been done.
Product: Credit reporting or other personal consumer reports

So for some odd reason out of all the credit bureaus I owe around {$25000.00} in loans Im not sure the exact number but for some reason Experian keeps saying I owe {$47000.00} I disputed it but it didnt change anything. I even confirmed with my student loan service and its around {$25000.00} for 7 loans. But for some odd reason Experian is the only credit bureau that has me at 15 loans for {$47000.00} like why!?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX. For a long time, this card was administrated by XXXX XXXX XXXX. At some point, it appears that this card changed ownership and was now being administrated by the First National Bank of Omaha. At XXXX XXXXXXXX XXXX, I had autopay set on the credit card and did not miss payments. When this card was transferred to First National Bank of Omaha, this autopay information was eliminated, resulting in two missed payments. I did not receive a notice of this change of service providers and missing information or changes to my autopay from either XXXX XXXX XXXX or First National Bank of Omaha. The first outreach I received was third-party credit agencies hounding me for missing payments. After finally discovering the change and enrolling in an online account with First National Bank of Omaha, I called First National Bank of Omaha, and they admitted their mistake and removed the two late fees as a courtesy. However, they had already reported the missing payments to the credit reporting agency, resulting in a diminished credit score. I asked that they helped me remediate this situation by amending their reporting. They stated they were unable to do so.
Product: Debt collection

For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. 

Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. 

The representative at ERC told me that the only thing I can do is pay.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed. 

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

This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as Westlake bankruptcy department states debt uncollectible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$5100.00}
Product: Student loan

The Institute closed after I graduated in 2015. I have over {$20000.00} in student loans and I cant use my degree. I cant even transfer my credits to another college. I went to XXXX XXXX for 2 years for nothing.
Product: Debt collection

XXXX XXXX XXXX filed and won a default judgement lawsuit on an old charged off credit card account. However, I never received any correspondence from this company or XXXX county notifying me of the court complaint. The judgment was filed XX/XX/2019, however, I was a legal resident of South Carolina at that time and never received any correspondence from either XXXX XXXX nor XXXX County. The address referenced on all correspondence is an address from several months prior that was no longer in use. This company is more than taking advantage of consumer rights!
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice XXXX, Equifax, and XXXX have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 3 ) The ( 3 ) Bureau above have furnished Late payments From ( XXXX through XXXX XXXX XXXX and XXXX XXXX XXXX 
Im requesting the above transactions be reversed to paid as agreed or to OK.
Product: Vehicle loan or lease

I bought this car with a totally unfair interest rate of XXXX XXXX. I didnt have SSN yet and because of it, not credit score yet.

Ive been paying my car every month for XXXX years on time and every time i pay through Lobel Financial website, I need to pay {$5.00} service fee on top of the monthly payment. 
Because of Covid I lost my job and I was late XXXX payments and talked to them yesterday XX/XX/22 because I couldnt pay through the website. The agent said surprisingly Do you still have the car? I said, yes, of course and then he said I had to pay {$970.00}. I got the money to pay today XX/XX/22 because it was after business hours but at XXXX am, a towing company called me for XXXX times while I was sleeping to come downstairs to get my personal belongings because they are repossessed my car. Its just an unfair and rude people from this company, they treat you like garbage even if you are not in this situation. Thats the first time this happened to me and even before when you called to need anything, they are rude and cynical to you and treat you like garbage. 
Another thing happened, few months ago they increase my monthly payment saying that I didnt have proof of insurance. So I paid, sent the proof of insurance and for another month, they didnt return my monthly payment to the original amount. 
Very disappointed with Lobel Financial and its employees. Whoever read this, NEVER do business with this company, they are disrespectful, dont have any empathy and have predatory business practices.
Product: Credit card or prepaid card

I opened a credit card while in XXXX. I made the most payments I could under my federal work study program. The credit card company, I also moved around and got bills late. Finally when I got the bill they wanted the entire amount which I could not afford being that I was still a student. I moved around again, by the time I got the notice there was a default judgement. Wages were garnished for several years and the account was transferred several times to different attorneys. I finally made a settlement offer after loosing my job for the amount of XXXX that was paid with a cashier 's check from my bank and sent to XXXX XXXX XXXX and they agreed to it and cahsed the check. They never sent me a letter that the debt was settled after calling them several times and I was told by their representitive I owed them nothing. Almost seven years pass and now I am getting another debt collection from the offices of XXXX XXXX, XXXX ( Same case steming from the XXXX XXXX XXXXXXXX XXXX  ), and it continues to be passed around even after debt was settled.
Product: Credit card or prepaid card

I filed a dispute on a charge through Discover. Case Number : XXXX, Merchant name : XXXX XXXX, Dispute amount {$20.00}. The dispute was for a purchase from adobe. I filed a dispute and it wasn't until today XX/XX/XXXX, that I received a letter. It stated that XXXX gave them an invoice and so that was good enough for the charge to reappear. The letter stated that I had 15 days from the time I got the letter to provide further documentation. Upon chatting with a discover agent, I found out that meant nothing and the dispute was closed out on XX/XX/XXXX and that I was not allowed to provide further documentation and there was nothing I can do. Obviously the letter from Discover was a blatant lie and has to be illegal. 

XXXX invoice was for invoice # XXXX, date XX/XX/2021, order # XXXX. 

I went to my XXXX account and looked at all invoices attached to my account. Please see the attached documents. The invoice questioned doesn't exist. I also went to all downloaded adobe products and the product in question doesn't exist. I also went through my emails and other than a discover transaction, XXXX confirmation from XXXX that the charge occurred. I went on my laptop and desktop, also no photoshop as described. I checked my XXXX  as well as my ipod and no purchases exist. I don't have the product in question, I did not make that purchase, and the fact that Discover was fine with a fraudulent invoice and shutting me out, is shameful. I asked to speak to corporate but was told I was not able to communicate with them on the matter.