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

This letter serves as a formal and urgent demand for the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and the accounts you have reported are not mine. Your failure to act on this matter is not only unacceptable but has also led to severe health issues as a result of the immense stress and anxiety this situation has caused me. Under Section 605B of the Fair Credit Reporting Act, you are legally obligated to investigate and rectify any inaccuracies in my credit report. I have attached the necessary documentation to substantiate my claims, including a police report and an identity theft affidavit. It is now your duty to block these fraudulent accounts and ensure that my credit report reflects my true financial history. Accounts that need to be removed ; Revolving Accounts XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$12000.00} Remove all addresses that I have never lived at : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Let me be unequivocally clear : I expect these erroneous accounts to be removed from my credit report within XXXX ( XXXX ) days of receiving this letter. Your non-compliance will leave me with no choice but to pursue legal action against your bureau for damages, including but not limited to the emotional distress and health problems that your negligence has caused. I demand immediate confirmation in writing that you have initiated the investigation and that the fraudulent accounts will be removed as per my request. Failure to comply will not be tolerated, and I will escalate this matter through all available legal channels. This is a serious situation, and I expect a serious response. I anticipate your prompt action and a written reply within the specified time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and AAFES both refuse to correct erroneous information on my credit report. 

My account was paid in full and closed XX/XX/XXXX. 

They are reporting ai had a late payment XX/XX/XXXX. I did not even have an open account
Product: Debt collection

Paragon Revenue Group XXXX {$1900.00} XXXX XXXX XXXX  $ XXXX XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$17000.00} -Charge off as bad credit XXXX I have disputed all of the above accounts. I have asked for validation or purchase agreement of all of the above. I have not received any information for the above companies.
Product: Consumer Loan

I have a " Personal Installment Loan '' through Rise Credit. I was recently educated on the Military Lending Act through a local agency financial counselor. 

Rise Credit 's interest rate on my current loan is outrageously high. Does the Military Lending Act not apply to them? I brought this up to them and that lenders have until XX/XX/XXXX to comply by lowering the interest rate to 36 % or under, and they said that the rule does not apply to them.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, XXXX, two fraud charges were made on my Bank of America credit card. Both charges occurred at XXXX in XXXX, FL in the amounts of {$99.00} and {$100.00} respectively. I live and work in XXXX, FL, on the opposite coast from XXXX. I work as a XXXX XXXX and have proof that on those days I was training. I was never in my life in XXXX, FL. I disputed those charges with BoA immediately. The bank declined my fraud claim noting that my card was used - not possible because the card was in my wallet at all times and no one but myself ever used it nor had the permission to use it. I still have that card, never lost it, and canceled it right after those charges. I requested BoA to reopen my case, received a form to fill out and mail back. My claim was declined again. Again I requested BoA to reopen the case. On XX/XX/XXXX, I called to inquire on the status of my claim and was told the case was still open and was advised to file a police report and fax it to the bank to further support my case. That's what I did. Approx. two weeks later received a letter from BoA - claim declined, bank conveniently stating that I did not make those charges and confirming that someone else did who had my permission ... Despite my written statements that nobody ever had that permission. I've reached a point where I have no idea what else I can do to get my money back. I've spent countless of hours with BoA on calls about this claim, my credit score taking a hit every month since XXXX because of this unpaid balance, more money lost on faxing and mailing requested info ... and still nothing. Today, XX/XX/XXXX, I've been advised by the police department to submit my complaint here on your website. Any help I would sincerely appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another 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 ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, 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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I opened a Truist online bank account this year after my brother was XXXX. He was in the XXXX and listed me as his beneficiary. When he died, I received {$500000.00} to my XXXX bank account. I opened a Truist account to ensure I only had {$250000.00} in my bank account to ensure it was fully FDIC insured. I also received a check for {$100000.00} from the XXXX XXXX as a death gratuity. I deposited that check in person in NC and was told it would take XXXX business days to become available. No problem. Then I got a letter in the mail that my account was closed ( a couple weeks ago ). I panicked, but was able to log into my online Truist account. Today, I'm unable to log into my Truist account and speaking to the Fraud department, they told me my account was closed due to fraudulent activity. I explained to them what I just wrote here, and they asked if I provided any paperwork to them indicating the above story. I said no, as no one from Truist has asked that ( nor did they ask as I was depositing the check ). This is illegal. I asked if I needed to hire a lawyer, and the customer service representative said yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the data breach with Equifax, I put a freeze on my account with them. 

I have tried a number of times over the past 6 months to get my credit report via XXXX from Equifax, but each time, I get an error that they are unable to complete my request, and that I have to mail in documents. Since my data was involved in the Equifax breach, I'm reluctant to trust them with that sensitive documentation, so I have been trying to find an alternative. 

I also have a myequifax account, set up when I froze my report, and similarly over the past 6 months have tried a number of times to login and remove the freeze, but when I attempt to login, I get a generic error and a phone number to call. 

When I call the number, or when I call any number to reach equifax to discuss the freeze and the inability to get my report, it takes me through identity verification questions, and without fail ( I have tried calling many, many times ), the 4 questions do not pertain to anything in my credit report. I answer None of the Above to each, and inevitably, the automated message says that they are unable to complete my request. 

I can not figure out ANY WAY to get in touch with a human being at Equifax to see what is going on with my report, and after hours and hours on the phone, and months trying to figure this out, I don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  two  account on my report as well.
Product: Debt collection

There was an error on first complaint this one is accurate. I also reject the offer sent to me XX/XX/XXXX which demonstrates the company is trying to pull the wool over my eyes and dismiss their malfeasance of not adhering to first settlement offer that I accepted in time per their date. Furthermore, asking for {$700.00} more and 2 payments a month is absurd. I will only accept the original offer as attached. 

On XX/XX/XXXX Net Credit offered to settle a debt of {$6700.00} for {$2000.00} in writing ( email ). I was instructed to respond by XX/XX/XXXX to which I did on XX/XX/XXXX that I accept. Same day, received Thank you for reaching out! The NetCredit Collections team has received your email and will make sure your inquiry gets the right attention. On XX/XX/XXXX, I was emailed In regards to your recent inquiry, the settlement offer your are referring to has expired as of XX/XX/XXXX. I immediately responded, Well I replied XX/XX/XXXX and your system acknowledged receipt of email. My only duty was to respond before expiration. Honestly, doesn't matter to me either way. Net Credit screwed XX/XX/XXXXuntil they were forced to comply with law limits. I paid quite a bit until I noticed the loan went up not down. The company did not respond directly about this but continues to send email regarding a personalized plan that included the entire debt with accumulation of fees.
Product: Credit reporting or other personal consumer reports

There are numerous inquiries in my report that i don't recognize. These are fraud and i want them to be removed as soon as possible. I am in the process of buying a new home and i can't move forward because of those inquiries. Kindly remove them as soon as possible : XXXX XXXX inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX inquiry date XX/XX/2023 XXXX XXXXXXXX inquiry date XX/XX/2023 XXXX inquiry date XX/XX/2023
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Request for Debt Validation To Whom It May Concern : I am writing in response to a mail received from your office recently. I am requesting validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; Detailed statements showing how the amount was calculated ; A copy of the original contract or agreement bearing my signature, if applicable ; Proof that your agency is authorized to collect this debt in my state ; Verification that the statute of limitations has not expired for collecting this debt. 
Until this information is provided, please cease all collection activities. Furthermore, if you report this alleged debt to any credit reporting agency, it must be marked as disputed. 

Please respond in writing to the address listed above. I am requesting that you do not contact me by phone. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I spoke with someone named XXXX who was supposed to fix this.XXXX I just spoke with someone by the name of XXXX who was very rude so I had to ask for her supervisor manager name XXXXXXXX who I then reported this wrong error on my credit report. He said it was nothing he could do XXXX. Inform me that they navigate this credit report of XXXX. This is hurting my credit score by doing this. I understand if they don't want to give me a credit increase. But they have no reason or no right to report my credit score at XXXX if my credit score is XXXX.
Product: Credit card

I paid off my credit card so had a XXXX balance there was a charge of XXXX i guess left over. i never got a bill or call and they assumed no wrong doing. i would not have let a XXXX bill get reported late after years of service. they were rude and due to errors with chase they reported me 60 days late. chase calls me for every stupid thing. i did not get one call about this small balance. as soon as i discovered it i paid it.. 2 months no bill no call no email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They are not allowed to call in excess of XXXX times in a XXXX  day period yet I have proof of XXXX calls to my cell phone in under a XXXX day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputing letters in XXXX of 2021 to Experian and XXXX to remove inaccuracies of my personal information and collections they refused to remove it.
Product: Credit card

I was originally going to open the Citi credit card that can be used at XXXX for extra points. After I was told I will able to use after I get approved which I thought I was but apparently not. I had XXXX credit score before I applied. Then I called Citi to closed the account ( without my consent to open ). Not only Citi did not close my account. They just sent me a statement with a over a XXXX dollars worth of charge. I've never used card or activated the card. Is this some type of new scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

UPON RECEIPT OF FINANCIAL STATUS THE CONSUMER HAS BEEN FURTHER DAMAGED BY THE NEGILENCE OF US. BANK ( AKA XXXX ' ) TO CORRECT THE CREDIT REPORTING AND DEBT THAT DOES NOT BEYOND TO THE CONSUMER PER CONVERSATION WITH XXXX OF U.S. BANK ON XXXX XXXX, 2022 THE CONSUMER ATTEMPTED TO ADVISE OF THE DESTRUCTIVE ACT BY U.S. BANK NOT TO ACCEDPT ONUS THAT THE CONSUMER REPORTED MULTIPLE DEFICIENCY WITH PRIMARY CONCERN TO PROTECT THE CONSUMER FROM FURTHER DAMAGE SHOULD ENTITIES CONTINUED TO SUBMIT FALSE TRANSACTIONS TO THE CONSUMER CREDIT CARD BY THE STANDARD TECHNIQUE OF CLIMAING TO REQUIRE SAID CREDIT CARD WITH ALTERNATIVE INTEREST TO OVERCHARGE CONSUMER FOR FALES TRANSACTIONS THAT WERE NOT ONLY NOT ACCEPTED BYTHE CARDHOLDER BUT NOT WITHIN THE BASIS OF THE LAW OR THE FAIR CREDIT REPORTING ACT.

U.S. BANKS COULD HAVE JOINTLY WORKED TO PROTECT THE CARDHOLDER BY TRANSFERRING MEMBERSHIP TO ANOTHER ACCOUNT BUT DID NOT PROVIDE THAT ALTERNATIVE TO THE CONSUMER. 

HAVING MAINTAIN EXCELLENT STATUS WITH U.S. BANKS WITH EITHER NO LATE PAYMENTS OR DEFICIENT PAYMEN ( S ) U.S. BANK SHOULD HAVE PROVIDED ENTITLEMENT TO THE CARDHOLDER BY STOPPING ILL GOTTEN CLAIMS BY ENTITIES FOR THE PURPOSES OF ILL GOTTEN MONIES. 

TO DATE THIS HAS CONTINUED & REDRESS IS IN ORDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : - ; XXXX  XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  : {$930.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX  : {$180.00} ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX employee told me that I was no longer under contract at the time I switched my account to XXXX XXXX XXXX. The month after I got 3 - {$200.00} charges for early termination. I attempted to argue the fact that the employee told me I was no longer under contract because I had reached my initial 2 years, per the contract details, but XXXX stated they had no record of the conversation. I have disputed these charges repeatedly, but I don't have a record of documentation, only phone conversations that XXXX claims don't exist. I had a reference number for that conversation, but they said in was invalid. I don't understand how they are able to get away with lying to their customers and ruining their credit record. My account has now been turned over to Jefferson Capital Systems and I explained to them that I am refusing to pay this balance because I never should have been charged those fees.
Product: Credit card

Ensuring timely payments on this account has always been my priority, avoiding any instances of overdue payments. I'm unclear about the reasons behind the reported late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Unauthorized Hard Inquiries on my Equifax Credit Report that, I did not Consent or Authorized and need this to be Removed please. 

XXXX, XXXX XX/XX/2021 - XXXX XXXX XXXX XX/XX/2021 In accordance with The Fair Credit Reporting Act XXXX  Account. Has Violated my Rights. 15 U.S. C1681 Section 602A States, I have the Right to Privacy.

15 U.S. C1681 Section 604A Section 2, It also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions or Consent.
Product: Credit card or prepaid card

I gave my credit card information to a Travel agent on XX/XX/2020 to purchase airline ticket for my mother but he used my credit card to purchase a different airline ticket. I filed two claims with my credit card company but the claims were denied and I was given the option to get a voucher for future use. I called Delta to get the voucher and I was told that I can not get a voucher because I do not have a ticket. The ticket purchased using my credit card was not mine. The travel agent fraudulently used my credit card. I filed a police report and the number is XXXX. The police officer advised me to call the credit card company BBVA and XXXX to give them the police report number and to try to resolve the issue with them. I called XXXX who told me that since the ticket was not purchased directly through them, I have to go to the Travel agent and the credit card company. I have been calling the Travel Agent but he is ignoring my calls and not responding to me, I filed a complaint with XXXX  and with FTC against the Travel Agency. I called BBVA and they told me that I can not dispute the charges further and that I can only dispute a transaction once. I have not pay the credit card charges yet and I am not planning to pay because I did not receive any services for the charges. I am filing this complaint with you hoping that you will help me resolve this matter with BBVA credit card company who should pursue my dispute rights and process my refund for fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an email from XXXX XXXX XXXXXXXX that stated, " Thank you for your interest in opening a deposit account with us. At this time, we're unable to open the following account ( s ) for you : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The email went on to indicate that their decision was based in whole or in part on information obtained from the consumer reporting agency or agencies listed below. Furthermore, XXXX XXXX XXXX indicated that " [ my ] deposit account score is a number that reflects the information from your deposit account history in your consumer report. Your deposit account score of xxx used by us in taking the above action was created on XX/XX/2023, and provided by an external consumer reporting agency Early Warning Systems. '' This attempt to open an account was made without my authorization. As such, I considered it an attempt to commit identity theft/fraud. I immediately contacted Early Warning Services , LLC, and spoke with a customer service representative to request a copy of my report be emailed to my attention due to identity theft. The Early Warning Services , LLC website contained the following disclosure, " In accordance with the Fair Credit Reporting Act, your consumer report will be sent to you within three calendar days if you notify Early Warning that you have been a victim of identity theft and you provide the information required by the Act. '' Early Warning Services did not place a freeze on my report. Additionally, I contacted the fraud department of XXXX XXXX XXXXXXXX and reported the attempted account opening. While speaking with XXXX XXXX XXXX, I was informed that another attempt was being made. Another attempt was made later in the evening, bringing the total attempts to XXXX. Again, I received emails from XXXX XXXX XXXX indicating that information was obtained from Early Warning Services , LLC. On XX/XX/2023, the third business day, I contacted Early Warning Services and noted that I had yet to receive a copy of my report. I was informed that the information on the website needed to be corrected and a report would be provided within 15 days of the request.
Product: Checking or savings account

Every month i always get charged a {$5.00} dollars monthly charge fee. When i made this account i was told i wasnt going to be charged a monthly fee but they continue to charge me anyways
Product: Student loan

I was making monthly Student Loan payments ( to a now defunct XXXX University, XXXX XXXX ), after a forbearance period, when I had a XXXX XXXX ( XXXX ) in XX/XX/XXXX. The guidelines were made clear in the U.S. Department of Educations documents, even online, that such a Medical crisis is grounds to have a S. Loan " discharged. '' After supplying the proper Medical documentation ( s ), I received a XX/XX/XXXX letter stating my Discharge was Approved. Some time later I began getting phone messages from the same company ( Nelnet ), stating my previously discharged account was " reinstated, '' without explanation. I got a letter from them dated XX/XX/XXXX, I still possess. During that time I was maritally separated. We lost the home, etc. We filed bankruptcy and I've just discovered Nelnet is on the list of creditors to get a payment? I totally disagree with this payment so I contacted our Bankruptcy attorney. He stated Nelnet " is '' on the list, and may only get a minor amount of the funding. He totally ignored my initial complaint of them being on the list, at all. After an initial XXXX, a second one is much easier to suffer. Nelnet had no regards for my health with their letters, calls, threats, and demands. I feel something nefarious and illegal may be going on here, with Nelnet getting an " illegal '' cut of our Bankruptcy filing.