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

I have an account with security federal service credit union that has missed and late payments! I would like this to be removed from my credit because that car was a total loss and the Gap company is supposed to pay the loan its just been a process. But the missed and late payments are inaccurate please remove them along with this loan please. I haven't had that vehicle since XX/XX/year> and it was a total loss so gap should be covering everything because i had Gap insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XXXX when some of these were done. 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
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX XXXX XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit card

? They are refusing to reverse the charges. 
I paid the full amount before the due date and they are still insisting on charging me the interest. I was also told that if i don't pay the interest they would be adding on late fees
Product: Debt collection

I am filing this FTC identity theft affidavit to report a fraudulent accounts appearing on my consumer file credit report which I do not recognize as reported and which are the results of XXXX XXXX and fraud. This fraudulent accounts resurgent capital serviceLVNV FUNDING on XXXX  Under the REFERENCE ID XXXX. This accounts has also resulted in illegal inquiry on XXXX, XXXXXXXX XXXX, 2 day before they bought the collection account on XXXX, XXXX XXXX from original creditor XXXX XXXX XXXX. that they stated in their own words they shouldnt have illegally pulled my credit report before buying buying a fraudulent debt in my name. i demand that the aforementioned fraudulent items be removed from each of my consumer, credit reports and all collection activity related to said items, cease, pursuant to my rights within the FCRA in the FDCP laws.
Product: Credit card or prepaid card

My car was broken into and my purse stolen while in a kayaking trip. My credit cards were used by whomever stole my purse. Immediately upon discovering the theft, I filed a report with the XXXX XXXX XXXX, reported it to my bank, and cancelled stolen cards. The bank only refunded one of the fraudulent charges and claim their investigation proved they were not fraudulent. I asked for copies of the investigation which said the card was not in my possession but since I was in the vicinity, I made the charges. It wouldve been physically impossible for me to travel to the places the cards were used and then back to the canyon to report it in that timeframe. The bank still refuses to reverse the fraudulent charges.
Product: Checking or savings account

XXXX XXXX refunded money to my checking account at Wells Fargo. I checked my account and {$5000.00} instead of {$500.00} was deposited. I was told to get XXXX XXXX gift cards to refund them their money, I did.These transactions continued because they claim mistakes were made in removing viruses. On XX/XX/XXXX deposits were posted of {$4000.00}, {$5000.00}, {$35000.00}, {$5000.00}. Of the online transfers {$4000.00} came from my savings account. I was not aware that these transfers were from my accounts I thought it was from XXXX XXXX because they told me when they made the transfers and I did check my checking account to see if the money was there. I went to the branch and withdrew {$5000.00} twice to purchase gift cards to give XXXX XXXX the numbers from the cards of which I do have in my possession. XX/XX/XXXX I discovered {$4000.00} missing from savings, I immediately went to a Wells Fargo branch and discovered these transactions and filed a fraud report. I was told that since I withdrew the money from my checking there in nothing Wells Fargo can do and the investigation is finished. Wells has ongoing account monitoring and if an online transaction looks suspicious it will be denied. I have never transfered money from my credit card to checking and I have only transfered money from savings to checking twice in the sum of {$300.00} each time. I feel as if these transactions should have been suspicious and denied by Wells Fargo. I could have just purchased the gift cards with my credit card and avoided the transfer fees if I was using my own money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Inquiries : XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX    XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a car XXXX used XXXX XXXX XXXX and then i struggles between jobs the entire time i had the car and then i would get caught up something else would happen I am a single parent my entire adult life and I struggled with no help from anyone. i got the car with financed for XXXX and made {$14000.00} in payments. In XX/XX/XXXX i lost my job due to stay at home order. I struggled but i found a job less money and i tried to work with them they refused. my mom also died 6 months prior so we had to move and resolve her estate with my family so we moved to a very low income neighborhood and i still have the same job making less XXXX a year. i usually make XXXX a year. We called to surrender the car, XX/XX/XXXX being 60 days past due and the person on the phone said he would give them the location of the vehicle but no guarantee they would pick it up due to pandemic and no one in that department. We waited 2 weeks called back as we were instructed to do. i spoke to supervisor who told that was not true and that I made this up. I advised we wanted surrender the vehicle and she said that i was not able to until the account was 120 days past due. Again i gave the location of the vehicle as we had no room where lived to park it. 2 more weeks passed we spoke to someone is surrender repo department who told us she was not given any info where are car was, and advised again we have called 2 other times. No one was believing me. they finally picked up the card in XX/XX/XXXX. I started received back to back phone calls about the vehicle and i need to pay for it and said we surrendered in several months ago and again non stop emails texts and phones calls and then they sold the vehicle then radio silence for 2 months XX/XX/XXXX they started calling for the deficiency and i explained i don't anything except {$1000.00} and they sold it for {$3700.00} XX/XX/XXXX per the ledger i attached from their website. 
now the balance paid is {$14000.00} so again i only owe XXXX there was nothing wrong with the card when i surrendered it. if there was they caused it. The brakes tires were replaced and service every XXXX without fail. I left that car perfect condition. I want them to settle my dept and also they report to the credit bureaus i owe them {$11000.00} closed derogatory XX/XX/XXXX which was report XX/XX/XXXX as if i never paid them anything. 
They also never sent any proof of repo or sale of the vehichle.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent Credit Management account on my credit. Please note the attached FTC report and remove it from my credit. THIS ACCOUNT IS NOT MINE!
Product: Bank account or service

Bank is drafting intentionally drafting ACH charges in order of highest dollar amount first so they can collect more overdraft fees. This caused my account to accumulate XXXX additional fees than if they had paid the items smallest to largest first. The reasoning the representatives give over the phone is " we consider the higher dollar items more important in pay order than lower dollar items '' meaning that if they were going to reject payment of an Item they would rather reject payment of the smaller items than the big item. Of course this makes no sense because even after paying the largest item first they still pay the smaller items and still collect extra fees and nothing ever gets rejected on my account because they know with my direct deposit that money coming in is a sure thing. When I asked them to reverse the XXXX unnecessary fees I was told I had already received XXXX complimentary fee reversals for the year so they could not refund the fees. After asking to be escalated twice to a higher person I was told the next person would have to call me back in about two hours. That was approximately 2 days ago and still no call back. So now in addition to not fixing their wrong in the first place they are not calling me back as I was promised. This ACH payment order seems to me an obvious and blatant way to collect more fees from consumers already struggling.
Product: Credit reporting or other personal consumer reports

XXXX Dear XXXX XXXX Department, I am writing to dispute incorrect personal information that is currently listed on my credit report. Please investigate and correct the following inaccuracies : XXXX. Address Information : XXXX XXXX XXXX, XXXX, SC XXXX This address is incorrect and should be removed from my credit report. 

XXXX XXXX XXXX XXXX, XXXX, SC This address is incorrect and should be removed from my credit report. 

I do not reside at these addresses, nor have I ever lived there. Please ensure these are deleted from my file. 

XXXX. XXXX XXXX : XXXX XXXX This employer is incorrect and should be removed. 

XXXX This employer is incorrect and should be removed. 


Experian Dear Experian Dispute Department, I am writing to formally dispute incorrect personal information listed on my credit report. I request that you investigate and remove the following inaccuracies : XXXX. Name : XXXX XXXX This name is incorrect. Please remove this variation from my file. My full legal name is XXXX XXXX XXXX. 

XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address. Please remove it from my report. 

XXXX XXXX XXXX XXXX, XXXX, SC XXXX I have never lived at this address. Please remove it from my report. 

XXXX. XXXX XXXX : XXXX This is incorrect and should be removed from my file. 

XXXX This employer is incorrect and should be removed from my report. 


Equifax Dear Equifax XXXX Department, I am writing to dispute incorrect personal information listed on my credit report. Please investigate and remove the following inaccuracies : XXXX. Names Reported : XXXX XXXX XXXX This is also incorrect and should be removed immediately. 

XXXX. XXXX XXXX : XXXX XXXX I have never worked for this company. Please remove it from my report. 

XXXX This is not a correct employer and should be removed. 

XXXX XXXX This employer is incorrect and must be removed. 

XXXX. Addresses Reported : The following addresses are incorrect, and I request their removal from my file : XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX Apt XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX
Product: Credit card

i was with the credit care and was making my monthly payments and was almost done paying it off until all of a sudden they made a charge of a high unexpected interest rate on my credit card and they are now demanding for full loan repayment by XX/XX/year>. At no point was I notified of this significant change, which appears to be in violation of the Truth in Lending Act ( TILA ).
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I took our a check n go loan for XXXX almost 8 years ago and forgot to repay .it has fell off my credit report but now a company calling them self XXXX XXXX is threatening to sue and arrest me if I don't pay the amount of XXXX but said I can pay XXXX to clear the debt and when I started acting for more details and to get of list of how it went from XXXX to XXXX they got very rude and threatening to sue me and garnish my wages and possibly jail time. I am on a fixed income and XXXX so I don't have time or money to be scam out of and threaten for money I dont have. All my money goes to bills
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that 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 611.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security Number. 

I was informed on XX/XX/XXXX, that the account was deleted from my credit report. ( Document with proof of this deletion included ). 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 



I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the 30 days past due from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB.
Product: Credit card or prepaid card

I want a check for the rewards balance earned. 
First I wanted it applied to the balance owed. 
This was not done. 
I then asked for a check. 
Their reply is jibberish about travel miles application. 
I'm not going anywhere so I requested A check again. 
Their web site is non navigable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXXXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account has been open using my personal information with a loan company called Upgrade, also with a XXXX XXXX XXXXXXXX XXXX XXXX. I have recently been made aware that a loan has been authorized without my knowledge until I received a welcome packet from XXXX which led me to look into this identity theft issue. I have spoke with Upgrade via email & phone numerous times & they are not very helpful & are even requesting more personal info. or they would not proceed with the fraud investigation. I have been informed per XXXX that the loan amt on my credit report is showing {$8500.00} on XXXX. I am claiming this is not my account and I did not approve to receive this amt. We have found that there was an amount of {$1600.00} that was deposited into my personal bank acct as they also had my routing and banking number for this acct. I am not aware of where exactly the additional amount has been applied too as no info is being provided to me from Upgrade. This {$1600.00} was deposited in my personal acct. in error and is in the process of being returned. The confusion was that the IRS was set to deposit a tax refund in that exact amt which made me believe that was where that money came from. I have made Upgrade aware of this as well as my bank.
Product: Debt collection

PDM sent invoice to the wrong address using incorrect spelling of my name, stating I owe over {$8000.00} to XXXX XXXX. I contacted XXXX XXXX and they checked their records. They have no record of me ever having an account under my actual name, or under the name on the invoice provided by PDM. They also stated they do not use PDM, they use a debt collection agency based out of XXXX, NY, not XXXX, XXXX. I have never lived outside of XXXX. I have tons of proof I have lived in XXXX all of my life and at a single family residence, not an apartment complex.
Product: Credit reporting or other personal consumer reports

XXXX XXXX holds my installment account for a small loan of XXXX that began XX/XX/2023. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/2023 and was completed without error. However, there was some internal error either within XXXX or my bank which led to a 30 day late payment on XX/XX/2023. I was never notified by XXXX that the autopay of XXXX was not completed so I assumed it was processed. 
This is the only 30 day late payment on my credit and its preventing stellar scores. XXXX has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to this company about a medical bill that they have listed on my credit reports. 

I have insurance I have never been notified by the a hospital or this company that there was an outstanding balance! 

I only knew about this company by reviewing my credit reports! 

I submitted a dispute letter to the credit bureaus and the company never sent me any verification that these bills they are updating on my credit file belongs to me. 

I never had any contract or obligations with this company and they are reporting unverified incorrect information to the credit bureaus every month it was just updated on XX/XX/2020 This is really hurting my credit profile during a national pandemic and the company isnt supposed to placed unverified information on someones credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed a count on credit report which has disputable closed dates showing on XXXX XXXX and equifax. XXXX shows that the account was closed XX/XX/17, XXXX is showing the account closed XX/XX/17. This information isn't consistent on reports.