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

There is a company that keeps being put on my report, I have stated several times that I am not aware of this company yet, it keeps getting placed on my report. I have contacted the company and the credit bureaus for this to be corrected with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, XXXX  and Transunion, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit
Product: Payday loan, title loan, personal loan, or advance loan

Hello sir.
This is XXXX XXXX someone take my stattlement money chack.i dont know where it go who has it.i cant find anything please help me with me.i dont know someone got or someone cash.i have to find out which chack they sent and j didnt received it.or sbi chack.
Please chack under my name anything let me know or please help to get my sattlememt money or sbi chack.
XXXX XXXXXXXX.
Please reply me urgent get my money back.
Product: Money transfer, virtual currency, or money service

I thought I was investing in a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and transferred {$50000.00} USD from Ally Bank. I was never able to get ahold of the company again and it turned out to be a scam. 

Account has since been closed that I used to transfer the money. 

Please see attached letter for more details.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed an inquiry that I did not authorize. Please send me verification in the form of a contract, bearing my signature, ID, SSN, address, etc, giving you permission to share my personal information with a XXXX  party!
Product: Student loan

I paid off a student loan on XX/XX/2024 in the amount of {$1100.00}. When I went to look at my account it said I had a balance of {$62.00}. I called Mohela on XX/XX/2024 and spoke with a customer service representative. I requested to have them adjust the accrued interest to backdate to the date that I made my full payment to XXXX off this student loan on XX/XX/2024 I also requested to have this amount of {$62.00} write off my account. The representative that I spoke to said she would put in a request on XX/XX/2024 and that it would take approximately 11 business days for this to be removed off the account. I called back today and the representative I spoke to said they were not able to do that for me and now the interest amount has accrued. I made a payment to pay off the {$62.00} and when I went back to look at the account there is a reminder balance of XXXX cents on this account. I have spoken to multiple different representatives and I have been given the run around, and my account is still accruing interest due to them failing to promptly credit my account and would like to get this resolved immediately. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear Credit Bureau Name , I am filing this CFPB complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$600.00} XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$680.00} XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Total Fraudulent Amount : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$24000.00} These accounts have resulted in multiple fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize any of the aforementioned accounts or collections, as they were not opened, made, or initiated by me. All listed accounts and inquiries are a result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud. 

Thank you for your prompt attention to this matter. 

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

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an account with XXXX XXXX XXXX # XXXX XXXX. I recently closed the account and paid it off in full. 

However, I am getting repeated calls from someone called Credence Resource Management. I have been contacted by them twice in the past 24 hours. I do not owe anything but yet the calls keep coming.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX 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 pulled my credit report on XX/XX/2023 and found inaccurate account data from XXXX XXXX XXXX XXXX. This account is in violation of certain laws that Congress passed to protect consumers such as myself. 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting. 

This account is clearly reporting incorrectly and clearly needs to be deleted immediately because of the violation.
Product: Credit reporting or other personal consumer reports

RE : PLEASE UPDATE RECORDS Dear Sir / Madam : I write to ask that you update your records regarding this account. 

I have received written confirmation from XXXX XXXX/DPT ED in reference to account # XXXX with a balance of {$3500.00} and account # XXXX with a balance of {$6500.00} that they no longer report a balance on as these account have been discharged in full. 

Contact them to verify this and update the entry ( ies ) on my credit report immediately. 

By reporting information that is not verifiably accurate, you are in violation of The Fair Credit Reporting Act. Following this act, please send me notification when these accounts have been investigated and updated. 

Include an updated copy of my credit report, which should have no additional charges to me.
Product: Student loan

my student loans have increased from XXXX, to XXXX, XXXX XXXX dollars and the school i attend was no where near this cost and i was in the military but some how my loans how still went up i do n't feel like the loans being billed are mine. also i am a XXXX vet and still interest or some charges are causing an increase. i cant tell where the charges are coming from.
Product: Debt collection

I received calls from this alleged company on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. It was left in the message that if I dont respond or comply, then they will take legal action etc ... I also called the comapny back to confirm of the call I was insulted with this statement " its sad that you dont even know about your own debt ''. My reply back to the person " Sir I dont know if you were trained properly but that is not how you properly deal with customers and will be notifying the proper authorities in reagrds to this ''. The person called back in which I didnt answer the phone. When I checked my voicemail it was music playing in the background from a T.V. Show theme.
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report. The following is a list of items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ========TRANSUNION : 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. Per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  RECENTLY REPORTED ON XX/XX/2020 AN ACCOUNT THAT HAD BEEN DELETED, EXPERIAN HAS ALLOWED THEM TO PROVIDE INFORMATION ON A ACCOUNT THAT HAS BEEN CLOSED AND DELETED.
Product: Credit reporting or other personal consumer reports

I have asked the creditor to update the late payments they placed on my credit report and to provide me with, factual documentation that showed I was late. The Creditor, have yet to provide me with this documentation. You ( XXXX XXXXXXXX XXXX ) are in violation of my consumer rights according to Code 15 U.S 1681a2 ( A ) ( i ) -the Definitions ; rules of construction clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; now the term person defined by Congress means An individual. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. So therefore, a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER and CREDITOR. 

There is also a discrepancy among all XXXX credit bureaus which is a violation of my consumer rights. XXXX and Transunion are reporting late payments for XXXX, XXXX, XXXX of XXXX and XXXX of XXXX while, XXXX is only reporting XXXX, XXXX of XXXX and XXXX of XXXX. All credit reports must match exactly, if not, then you are in violation. According to 15 U.S.C. 1681e " ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Note- I am XXXX XXXX XXXX natural person and I am the actual person submitting this dispute and I am not a 3rd party.
Product: Credit reporting or other personal consumer reports

Subject : Dispute on Inaccurate Loan Term Duration Reporting and Request to Delete Account Dear Experian, XXXX XXXX # # XXXX I am writing to dispute an inaccurate reporting on my credit report regarding the term duration of my mortgage loan with XXXX XXXX XXXX XXXX Despite XXXX Finances confirmation that they have updated the term duration from forty-two ( XXXX ) years to thirty ( 30 ) years with the four credit reporting agencies, my Experian credit report still reflects the incorrect term duration. 

Please find attached the correspondence from XXXX XXXX XXXX confirming the update. Given the persistent inaccuracies and the impact on my creditworthiness, I request that Experian delete this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

1.I have never had an account with this company FIRST NATIONAL BANK OF OMAHA , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are FIRST NATIONAL BANK OF OMAHA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

On XX/XX/XXXX, I contacted Care Credit Synchrony Bank to inform them I could no longer keep up the account. At that time customer service offer me a hardship program that was supposed to stop all late fees and interest, plus closed the account. The amount was agreed upon to be {$140.00} a month, which I paid faithfully. In XX/XX/XXXX, I was notified by email that my balance increased by {$1300.00} for interest applied. This contradict what I was told on a recorded line. When I asked for the manager to review the call and call me back no one returned my call, it's been over three weeks now. I requested a copy of the recording which Synchrony customer service rep advised me that would not be possible. I heard made several attempts to resolve this matter and the only option they have is for me to pay the balance in full to alleviate the interests which contradict the fact they put me on a hardship plan last XX/XX/XXXX. I'm requesting you investigate this company collection practices and audio recordings of my conversation with several reps that stated they never seen interest be applied to a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Complaint against JP Morgan Chase - On XX/XX/XXXX, I opened an account with Chase however prior to having an ability to fund the account, it was closed on XX/XX/XXXX without notice. I found it odd and just took my business else where. 

However fast forward, my entire family open accounts two weeks ago with Chase without issues until today. 

On XX/XX/XXXX - Today I was told that I was not able to open an account with Chase due to an account closer on XX/XX/XXXX. When I questioned why was the account closed in XX/XX/XXXX and why am I restricted from Chase, they could not give me a answer why. 

Customer service said they would not have originally opened my account if was a credit issue and I never had a chance to fund the account. This leads me to believe I am being un-rightfully targeted for another reason. I would appreciate any assistance you can provide.
Product: Mortgage

Wells Fargo Email    X/XX/2017  I need you to send me the mortgage statement. This account page has the mortgage account number trunca ted. If I do n't have the complete account number along with the current amount due, I can not pay the mortgage on my house. It is unbelievable that  Wells Fargo  is giving me such a hassle over this. I never heard of a Bank/Mortgage company refusing to send statements to the owner of the house. I quit receiving proper statement to pay from months ago. I contacted  Wells Fargo  and they offered to   1 time fax me the current statement. However, I do n't have a fax machine and Wells Fargo refuses to send me statements by US Mail. This is why I am filing this complaint.
Are you ( Wells Fargo ) t  rying to create a mortgage default on my house?      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, Pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request verification of the accounts listed below. These accounts do not belong to me, and unless you can provide verifiable proof, they must be removed immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section

609 Request : I am requesting full verification of these accounts, including the original account applications bearing my signature. Under 15 U.S. Code 1681g, if you can not provide this documentation, the accounts must be permanently deleted from my credit report. FCRA Section 611 Request : According to 15 U.S. Code 1681i, you
are required to conduct a reinvestigation of these accounts within 30 days. If you can not verify their accuracy, they must be removed immediately.

I expect a written response within 30 days. If this dispute is not resolved, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary.