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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and to express my concerns regarding the security of my personal information following the Equifax data breach and also inaccurate reporting of charge-offs on my credit report and to request your assistance in ensuring compliance with federal laws, specifically 15 U.S.C. 1635 and 15 U.S.C. 1692g. These accuracies have negatively impacted my credit profile and require immediate correction.

Under the Fair Credit Reporting Act, entities handling consumer information are required to implement reasonable procedures to protect personal data. The following provisions are pertinent : 15 U.S.C. 1681 ( b ) : Purpose of the FCRA This section mandates that consumer reporting agencies use reasonable procedures to ensure the confidentiality, accuracy, and security of consumer information. 

15 U.S.C. 1681e ( b ) : Accuracy of Information Consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. The breach has led to inaccuracies in my credit report, including [ describe inaccuracies, if applicable ].

Legal Grounds for Complaint Right of Rescission 15 U.S.C. 1635 Under the Truth in Lending Act, I have exercised my right of rescission for the relevant account ( s ). This legal right voids any obligations related to the account and invalidates any associated charges, including the charge-off status. Despite this, the creditor continues to report the account inaccurately. 

Debt Validation 15 U.S.C. 1692g Pursuant to the Fair Debt Collection Practices Act, I have requested validation of the alleged debt ( s ) from the creditor ( s ) and/or debt collector ( s ). To date, no sufficient validation has been provided, and the continued reporting of these charge-offs violates federal law.

15 U.S.C. 1681w : Disposal of Records This section requires proper disposal of consumer information to prevent unauthorized access. The breach suggests potential negligence in adhering to these requirements. 

Please remove the following items from my consumer report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Ending balance on XX/XX/XXXX XXXX close of statement ) : {$6600.00} ( Due : XX/XX/XXXX ) XXXX Activity : Purchase : {$1900.00} Total Balance : $ XXXX+ {$1900.00} = {$8500.00} Payments : XXXX ( all posted by XX/XX/XXXX ) ( remember due date XX/XX/XXXX ) Ending balance XX/XX/XXXX : {$0.00} Interest charged on XX/XX/XXXX : {$80.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this credit card to a XXXX balance in XXXX. The XXXX statement said no minimum payment due so I didnt pay anything then assessed me a late fee for a XXXX   balance account in XXXX. Now it is XXXX they reported me to the credit bureau as being past due over 30 days and it is over a late fee assessed based on their statement showing no payment due ... .and they have assessed an additional late fee. I have set up payment to be drafted out of my account. I want the past due status removed and the late fees reversed.
Product: Debt collection

Fact, the fourth amendment is intended to ensure that the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized, and my fourth amendment right has been violated so be it. I XXXX XXXX entered into a consumer credit transaction with Selene Finance XX/XX/XXXX. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance Charge is supposed to include insurance, but Selene Finance made me purchase insurance separately. XX/XX/XXXX, we sent in a negotiable instrument, affidavit of truth, directions on what to do to discharge the debt. It was accepted, and about a week later it was reversed saying that they can only accept certified funds. We were already sent a congratulations letter which I will attach. Since then, I've asked for a Set Off, however have yet to receive a response on that. I've had to pay insurance and property taxes out of pocket since then and have not been given what I have in escrow. We've spoken to numerous agents, with no resolution. Such conduct from Selene Finance has caused me to suffer severe humiliation, and embarrassment, emotional distress, and physical discomfort. They have violated 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act by harassing me regarding this debt.
Product: Money transfer, virtual currency, or money service

Robinhood attempted to debit {$1000.00} from my banking account - I did not deposit the money in time which resulted in it being reversed- - the {$1000.00} was debited to my account on robinhood - I traded the money - they then took back the {$1000.00} from my portfolio balance - my account is now disabled although having a positive protfolio balance- I can not purchase, deposit or withdrawal money - I have contacted them and received canned rsponses
Product: Credit reporting or other personal consumer reports

Ever since XX/XX/2023. I have not been able to view anything on my credit report and when my credit report was pulled. I noticed Equifax has my Credit file Blank. Must we be furnished with the reason ( s ) as to why Im not allowed to view an accurate and update copy of my credit report. Theres no way my credit report has not updated since XX/XX/2023 its almost going into a year. I feel my rights as a consumer under the FCRA CONSUMER LAW HAS BEEN VIOLATED. At this point Im about ready to seek arbitration for defamation of character.
Product: Credit reporting or other personal consumer reports

I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. 

Wrong employees : XXXXXXXX XXXX XXXX, XXXX. 

Wrong address : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave verbal or written consent to either companies below..all reporting on XX/XX/23 I filled a written dispute with Equifax and no action was taken on their part. 
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

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I didn't hear back so I sent on letters again for a demand for a comply XXXX. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Credit reporting or other personal consumer reports

Experian is suggesting that I am not the sender of four letters I mailed out on XX/XX/year>.
Product: Checking or savings account

As a former XXXX who devoted over 20 years of my life to the United States, I sustained injuries that left me XXXX. Despite my service, all I have left from selling my car is my savings, and I've been struggling to get by. I've experienced homelessness and have had to live with friends. Recently, I was diagnosed with XXXX stones and XXXX XXXX, and I'm on a strict diet because eating just about anything makes me sick. My XXXX don't function properly, and I need to XXXX every 10 minutes.

I have been hospitalized and have the paperwork to prove it. Additionally, I reached out to a certain company and was informed by them that I never had an account with them. I have chat logs proving I never withdrew money from my bank account with them ; nothing matches my personal information. I was told by Wells Fargo that they can only help me recover transactions from the past 60 days. However, when I reached out to XXXX XXXX, they were more helpful. Within 15 minutes of my call, they conducted an investigation and found no information linked to my name or phone number. They explained that it's easy for someone to create a fraudulent account because all that's needed is the debit card number ; physical presence isn't required for someone to misuse it. 

I am unable to work, and I refuse to let some criminal simply steal from me. Here are the chat transcripts that confirm I have never had dealings with them, nor have I had any XXXX XXXX accounts. deductions have been made from my account without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is reporting a balance of {$5000.00} with Prosper account. This balance is incorrect. This account has been paid in full and the balance that should be reporting is {$0.00}. I would like Prosper to send the correct balance of {$0.00} to XXXX and XXXX. I would like XXXX and XXXX to correct Prosper account balance from {$5000.00} to {$0.00} immediately based on the federal fair reporting act. This account has been paid in full and is in excellent standing.
Product: Bank account or service

My bank is USAA : - XXXX unauthorized debits were made to my checking account on XXXX/XXXX/15. Amounts were for {$100.00}, {$6.00}, and {$6000.00}. 
- USAA did not detect these and call me. I detected the discrepancy and called as soon as I was made aware of the unathorized transactions. 
- USAA credited my account back in full for the amounts on XXXX/XXXX/15. USAA never called me to tell me that the account was being credited. 
- Several forms and affidavit were mailed to my home address asking me to explain the situations. Thinking the situation was resolved, I disregarded the requests. Again, USAA never contacted me with instructions. 
- On XXXX/XXXX/15, USAA debited my account for {$6000.00} since I had not returned the forms. The Bank never called me to let me know that they would debit my account for {$6000.00} if I did not return the forms. 
- In XXXX '15, I mailed all proper documentation to USAA including notorized affidavit. The Bank has received forms and has had them on file for over 30 days. 
- As of today, I still do not have the {$6000.00} credited back to my account. When I call USAA, they say that they are awaiting for the XXXX party bank to release funds back to USAA so that my account can be credited. USAA has provided terrible communication on this matter. They rarely call me to provide a status update. The Bank has yet to confirm whether the initial issue was fraud or bank error. I have no estimated time of completion on this account issue. As a consumer, I do not know what my rights are in this case. Funds of {$6000.00} were clearly debited from my checking account in error back in XXXX '15, and I am not sure why I am the party still at a loss when I did nothing wrong. 
- Can you help?
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Discover Bank violated my rights by closing my credit card account -ending in XXXX without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Discover Bank closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Discover Bank discriminated against me by closing my account. Pursuant to 18 USC 8, all bills are the responsibility of the United States. 

Discover requested my account number in my last complaint however, I no longer have the credit card so I do not know the credit card number or account number. I have attached the notice that my account was closed and an old statements. I also attached the Discover portion of one of my consumer reports. Whether or not I have account number is irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX Balance Owed : {$550.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$19000.00}.
Product: Credit reporting

Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a collection account I would like to be removed ASAP because this was an account created from identity fraud. I have my identity fraud report attached. I also have documents proving my identification. I will be mailing this to Equifax and the collector.
Product: Debt collection

AFNI , Inc. ( XXXX XXXX XXXX XXXX ) has reported on my credit report that I owe {$250.00}. from a so called debt that I owe on a cell phone bill from XX/XX/XXXX. The date they have it as an " Open Account '' on my credit report is XX/XX/XXXX. I called XXXX XXXX XXXX back in XX/XX/XXXXwhen it was listed on my credit report and disputed that I owed them because I did n't. I paid my final bill with them when I left and moved my number and phone. ( They would n't even release my number if I had n't ). They told me that they would take care of the mistake that it was with collections. They gave me the number to the collections and I called and disputed it with them myself as well ( because I did n't trust XXXX XXXX XXXX to do it ). I was told they would research it and take care of it.
I pull up my credit report today ( XX/XX/XXXX ) and noticed that it is still on my report. I called AFNI, Inc today and spoke to XXXX XXXX employee number XXXX. He said that on XX/XX/XXXX that, " they received a message from their client XXXX XXXX XXXX that to hold off on reporting ''. ( which was pass the 30 day credit verification period and after I had called them to dispute the charges ). I asked him at that point what was the date that their client XXXX XXXX XXXX contacted AFNI and told them to move forward with reporting a collection to the credit bureau. He than stated, " well ANFI is a furnisher of credit ''. I said I never asked ANFI to furnish me with credit and the XXXX XXXX XXXX whom I did have credit with but that I do n't owe told you to hold off on reporting but you ca n't tell me a date when they contacted you to tell you to move forward with reporting. He then said that they ( AFNI ) reported to the agencies onXX/XX/XXXX. I said I do n't owe AFNI nor do I owe AFNI and you all have caused my credit score to be adversely affected by {$250.00} dollars yet have cost me probably thousands since I have had to pay higher interest rates due to this error. He said there is nothing he can due except file a dispute but I have no faith in that because he also told me that this was the first time that they have heard from me or anybody on my account and that simply is not true. I have called them complaining about this very issue before. Please help.
I have an audio recording of the entire conversation. It is too large to attach ( 27 MB ) as a file but here is the link. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Synerprise consulting is attempting to collect a medical debt that states I went to XXXX XXXX XXXX in XX/XX/XXXX. I didnt go to a urgent care facility in XXXX, let alone in XX/XX/XXXX. I moved to XXXX Texas in XX/XX/XXXX which is near XXXX TX. XXXX XXXX XXXX is in XXXX TX which is near XXXX TX and a 4 hour travel distance. This is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Wh

om It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$42000.00}, {$10000.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$42000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven back in XXXX and they still appear on my credit report. 

Credit report showing below : MOHELA/DEPT OF ED -XXXX % paid off {$13000.00} MOHELA/DEPT OF ED XXXX % paid off {$10000.00} MOHELA/DEPT OF ED XXXX % paid off {$8600.00} MOHELA/DEPT OF ED XXXX % paid off {$8600.00} MOHELA/DEPT OF ED XXXX % paid off {$7800.00} From Mohela : PUBLIC SERVICE LOAN FORGIVENESS UPDATE! 
Congratulations! You have successfully met the requirements of the XXXX XXXX XXXX XXXX ( XXXX ) Program and all or a portion of your loans listed below have been forgiven. Thank you for your public service! 
Loans Details XX/XX/XXXX ACCT NUMBER : XXXX XXXX XXXX XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX XX/XX/XXXX {$8600.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$7800.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$13000.00} {$0.00} XXXX XXXX  XX/XX/XXXX {$10000.00} {$0.00}
Product: Debt collection

In XXXX my husband went inside our local Truist Bank to make payment on our car loan. In XXXX they started calling saying they had not received the payment. We spoke with a representative and told them we paid what date, and the amount. We also on XX/XX/XXXX at XXXX emailed them proof we paid. XXXX came and the same issues. XXXX came with the same issues. XXXX my husband went inside the bank to speak with the bank employee XXXX XXXX who assured us this would be resolved. Meanwhile, we were receiving collections calls every day all day. XXXX still no resolution and my husband again went to the bank but this time spoke with the branch manager XXXX XXXX who called corporate and said he would get this resolved .... still about every day we were receiving phone calls even after I asked them to stop calling and to email and send correspondence via mail. So finally on XX/XX/XXXX I went to the bank and spoke with XXXX XXXX myself and took a copy of the front and back copy of the check showing where Truist had deposited the check. He again called and spoke with someone in corporate and assured me that it was resolved and no more calls but on today XX/XX/2023 not only me but my husband has been receiving collection calls and WE OWE NOTHING!!!!
Product: Credit reporting or other personal consumer reports

I did not recognize several inquiries and items linked to my social security number and I do not have full access to my credit.
Product: Credit card

Hi, My issue with this credit card company is that i lost my credit card and I call customer services to speak to a representative who can help me and provide me my account number since I 'm trying to pay my total balance through a loan that i recieve and after they verify all my information they will not give me my account number, I went online were i have a user name and password to view my account, pay bills, etcs and not even in there i can get my account number, all other campanies can provide you with you account number after verifying that you are the account holder, but this VERVE credit card is very shady. 
I need my account number in order to apy my balance through a 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, and XXXX XXXX XXXXXXXX Account # XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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