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

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX CARD Account Number : XXXX Date Opened : XX/XX/year> Balance : {$48000.00}
Product: Debt collection

On XX/XX/XXXX I viewed my credit report on XXXX XXXX and was surprised to see an a delinquency reported by Amsher debt collection. The delinquency said it was from XXXX XXXX. I did not receive a phone call nor a letter regarding this debt. On doing some quick searching I discovered they are required to notify me prior to posting a debt to my credit report. 

I called the agency on XX/XX/XXXX to dispute the delinquency and pay whatever was owed in full. I paid and got a receipt, however, when I asked for proof they had notified me they told me they mailed a letter but it was to the incorrect address. The debt originated from a phone bill at XXXX ( which was also never communicated to me because I switched to XXXX ). XXXX had my current address as they had sent bills there when I was a customer. However, when they reported this debt they used the wrong address so I was never notified. 

I explained this to the agency and they claim there is nothing they can do to remove the report to the credit bureaus even though they are aware I was not notified prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Student loan

I was previously on the SAVE plan which allowed me to make payments and still qualify for PSLF. Due to the injunction from the courts, I was placed in a forbearance that does not count for PSLF. I submitted a request to change from SAVE to PAYE via the FSA website ( currently In Review status ).. I received an email from Mohela on XX/XX/XXXX that they had received my request. On XX/XX/XXXX I received an email that I had a payment due soon, and then on the XXXX I was charged {$190.00} that went to interest which should never have accrued for me since I was previously on a forbearance. In addition, they sent an email that same day XX/XX/XXXX stating I was ain a forbearance, and then sent another email on XX/XX/XXXX saying that I " recieved a billing statement in error ''. However, now when I log onto the FSA account I have accrued {$1100.00} even though I am in a forbearance period. I'm not sure A ) why they charged me during forbearance B ) why they are accruing interest during a forbearance. I tried calling but was placed on hold for over 4 hours before they closed and am unable to get a hold of a Mohela representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank Acct # XXXX Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute and request correction of inaccurate information on my credit report. The account details in question are as follows : Creditor Name : [ Creditor 's Name ] Account Number : XXXX Current Status : Closed Under the provisions of the Fair Credit Reporting Act ( 15 USC 1681 ), I am asserting my rights regarding this matter. Specifically, I refer to the following sections : Section 602 ( 15 USC 1681a-2 ), which guarantees my right to privacy and control over the dissemination of my credit information.

Section 1666b of 15 USCS, which states that a creditor may not treat a late payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Despite the closure of this account, it continues to be reported as late. This is inaccurate and misleading, as no late payments occurred after the account was closed. 

I request that XXXX XXXX XXXX  investigate this matter promptly and remove the inaccurate late payment information from my credit report. Please provide me with a written confirmation of the correction once it has been made. 

Enclosed with this letter are copies of relevant documents supporting my dispute, including proof of the account closure and any other pertinent information. 

Thank you for your attention to this matter. Please inform me of the steps being taken to resolve this issue within the timeframe prescribed by law.
Product: Debt collection

Filed a complaint a couple of days ago about my mortgage with Bank of America. Today I had XXXX call me and offer a lower rate, principle reduction and reduction of years for my loan that they have. 

My original loan if with Bank of America for {$XXXX} back in XXXX/XXXX/XXXX. I had XXXX loan modifications. One in XXXX in which they raised the principle to {$XXXX} ( which I was told you can not do ) and made it a XXXX year loan. There is no record of this by the way. Then in XXXX XXXX, I did another modification to get away from the previous modification which was ridiculous. 

Today, the XXXX person informs me that I owe nothing to Bank of America. XXXX balance. The debt I owe at the courthouse is to Bank of America for {$XXXX}. BOA had to right off a certain amount of first and second mortgages due to fraud. BOA made it look like I had a XXXX mortgage when in fact, I DID NOT. There is paperwork at the courthouse ( I sent it in my previous complaint filed ) stating that my mortgage has a full release of real-estate mortgage dated XXXX. This XXXX person then informs me that I had XXXX mortgages through BOA. One is dated XXXX/XXXX/XXXX and then he stated the other XXXX XXXXs dated XXXX/XXXX/XXXX for {$XXXX}!!! I only had XXXX mortgage in XXXX with them. No second mortgage in XXXX of XXXX either!!!! 

I do n't know what I have to do to get this straightened out. Someone please help me. XXXX is a debt collector. They guy argued and said it was a mortgage company. It states that on the answering machine, when they leave messages for me, that they are a debt collector. I informed the guy of that, then he agreed. They are trying to collect debt from Bank of America that I do not owe. It states XXXX XXXXn my account balance!!! The guy from XXXX then said he fully understood about my situation and was not going to offer me any deals on my loan. " You probably do n't need a loan now. '' I asked him to send me the paperwork that he was reading off to me about my loan ( having XXXX of them now ) and he said he could not. Seems to me now, XXXX has created a different loan? and still collecting money?!!!! 

I am desperate and Bank of America has put me through XXXX and back. I have enough struggles being the guardian for my husband who has a XXXX XXXX. He is the one who put me in this situation in the first place! 

Please look into this matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My name is XXXX XXXX, I have reached out to Experian and XXXX regarding the improper/incorrect/false/illegal reporting to my personal credit report from a creditor by the name of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have also tried resolving the issue with the creditor directly. I have had several frustrating interactions with all 3 companies for years now as the issue has yet to be resolved. The company [ XXXX XXXX XXXX, XXXX ] is reporting a closed account to Experian but is reporting the same account as open, negative and with an incorrect balance to XXXX. I am trying to resolve the matter with the creditor as it is negatively hurting my personal credit causing greater issues in my personal life. I am unable to resolve said debt with illegal and false information being reported and the reporting bureaus accepting this illegal and false information and reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX my debit card was charged {$99.00}. I started a dispute on XXXX XXXX. My card was issued a Provisional credit adj. of {$99.00} on XXXX XXXX. On XX/XX/XXXX there was a reversal debit adj. for {$99.00}. Then a reversal credit was put on my card for {$99.00} on XXXX XXXX. Once again in XXXX XXXX XXXX XX/XX/2021, a reversal debit appeared .It was for {$99.00}. On XX/XX/XXXX a Provisional credit adj. of XXXX. Finally on XXXX XXXX, the last provisional debit was charged. The only {$99.00} charge that even indicates a false merchant name was the very first charge on XX/XX/2021. It says XXXX XXXX XXXX The denial letter was sent to me in XX/XX/2021. It just states that I do have a XXXX account. I told them I had an account, but it is not a paid account. I tried to have it refunded from XXXX, whom reaffirmed, I had not made a purchase ever from them. I made 11 claims with XXXX to no end. XXXX did not take my money, but the Way2Go card says I have to get refunded by XXXX. I want all {$99.00} returned to my account. They should have not even occurred again during the 3 month investigation. The first charge, the supposed 2 reversal debits, and the last provisional debit that was the fourth charge from my card.
Product: Credit card

Subject : Request for Detailed Explanation and Legal Contact Information for Account Closure Dear Sir/Madam, I am writing to express my deep concern regarding the closure of my Apple account XXXX XX/XX/year>. This sudden closure occurred shortly after I filed a discrimination case against Goldman Sachs. I have outlined the sequence of events and my concerns below : XXXX. **Provision of License Information : ** On XX/XX/year>, I provided my license information for the account. 

XXXX. **Flagged Payment : ** On XXXX XXXXXX/XX/year>, my account was flagged for a payment to my lawyer. This flagging was not communicated to me in advance, and I was not given any specific reasons for this action. 

XXXX. XXXX*Account Unlock and Relock : ** My account was subsequently unlocked on XXXX XXXX XXXXXX/XX/year>, but it was locked again on XXXX XXXXXX/XX/year>. This repeated locking and unlocking were highly disruptive and occurred without clear communication or justification. 

XXXX. **Filing of Cases : ** Following these events, I filed XXXX back office cases and a discrimination case on Wednesday, XX/XX/year>. 

XXXX. XXXX*Account Closure : ** Despite these ongoing issues, my account was closed on XX/XX/year>, without prior notification or explanation. 

I have several concerns regarding this matter : XXXX. **Potential Retaliation : ** The timing of the account closure raises concerns about potential retaliation, which could be a violation of anti-retaliation laws. 

XXXX. **Lack of Due Process : ** There appears to be a lack of due process and transparency in the account closure decision. I have not been provided with any specific information about how I allegedly violated the Customer Agreement. 

XXXX. **Breach of Customer Agreement : ** The closure of my account, without proper notification and explanation, may constitute a breach of the Customer Agreement. XXXX **Impact on Investigation : ** The closure of my account amidst an ongoing investigation of my discrimination complaint severely impacts my ability to address the issues raised in my complaint. 

Therefore, I respectfully request the following actions : XXXX. A detailed explanation of why my account was closed, including specific terms of the Customer Agreement that were allegedly violated. 
XXXX. Assurance that my discrimination complaint is being investigated impartially. 
XXXX. Reinstatement of my account or an alternative solution that does not negatively impact my credit standing. 
XXXX. The legal contact information for this case of discrimination or for a review of how I violated the Customer Agreement. 
XXXX. Information on how I can make payments towards the card to remain in good standing and ensure it does not affect my credit. Please confirm if I can still do this through the application. 

I also prefer to receive all correspondences and monthly statements via email to avoid any further delays or misunderstandings. Please email these to XXXX. 

I would appreciate your prompt response to this matter and am available to discuss this further at your earliest convenience. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Date of transactions : XX/XX/2022 XXXX ET- Amount {$800.00} USD Date of transactions : XX/XX/2022 XXXX ET- Amount {$800.00} USD I received 2 emails which showed details of the transfer made via western union into the fraudsters account. I checked my western union account and found that 2 transactions were completed ( shown above ) and 3 more attempts were made to transfer amount into his account, which got canceled. To confirm the completed transactions I checked my bank and I noticed the 2 transfers being processed. 
I called western union XXXX to rush on blocking the transfers being made, since I noticed the amount is being processed but western union declined they can do anything on this stating that the transfer is complete. I mentioned that even in their website tracking was showing one transactions not delivered but western union refused they can help. 
Enclosing a screenshot of transactions shown in western union site with date, tracking and status. 

I strongly believe the flaw in the western union security system has allowed another person to log into my details and transfer money into their account. Please protect the consumer.
Product: Debt collection

Good afternoon, I was contacted about a XXXX  XXXX account opened in my name, and reported it as fraud. Midland credit management sent me documentation that states the account statement is from XX/XX/2018 to XX/XX/2018. I wad living in XXXX at the time and working as an XXXX XXXX   until XX/XX/XXXX when I returned to the United States. I Would have been unable to fill out an application and receive a credit card in another country, as I had been living in XXXX since XX/XX/2018. I have documentation and a work visa to prove this. Midland credit is stating they will not investigate my claim further without a fraud affidavit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint Account Name : XXXX XXXXXXXX XXXX Date Filed : Type of Account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : Charge Card Address : XXXX XXXX XXXX XXXX, XXXX XXXX Number : None provided Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Filed : XX/XX/XXXX Type of Account : Credit Card/Revolving XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Late Payments listed on my credit report : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Secured Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I await your reply. Once you have fulfilled my request please mail me an updated credit report reflecting these changes. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Saturday XX/XX/18 I sent a XXXX payment through my chase app of XXXX at XXXX to an individual Who I thought was a vetted individual ( friend if a friend, former student of a friend ) for concert tickets. This person was real but his account had been hacked and therefore was sent to an unknown individual. XXXX and chase are refusing to do anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

In addition, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alliant XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX  Balance Owed : {$6500.00} ; XXXXXXXX XXXX XXXX  Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account on XX/XX/2022 and this was my FIRST time opening an account with truist never had an account with them and a lady told me my account was closed before because of fraud that I didnt know anything about so she helped me open an account and I put {$50.00} in the account and alll of a sudden my account was closed. And I didnt know why so I lost my money for no reason I was hoping can I get help to get my account back active. I tried contacting the people that help with fraud but never heard from them.
Product: Debt collection

I have sent a certified mail to Southwest Recovery Service to not contact me directly and for them to contact my attorney on XX/XX/2020. They still contacted me on XX/XX/2020. I need Southwest Recovery Service to provide the following information to my attorney. 
Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I have attached the certified letter that I have sent to collection company.
Product: Debt collection

I had XXXX XXXX monitoring my XXXX family building for a few years. I was selling it and tried to close the service. They said it couldn't be closed without a pin. I I did not have pin and told them I going away the winter and need it closed. They would not close the account. When I returned home, I found out they closed the account for lack of payment. I called them to complain That I did not own the building anymore and tied to close the Account. they said that they would reduce the balance but not take it off. I did not owe any money and did not pay.