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

CommenityCB/Forever 21 charged off my credit card ( account number XXXX ) in the amount of {$10000.00} but never provided the 1099C. In addition, CommenityCB/Forever 21 already wrote the debt off so they are not able to collect on the debt twice. This is fraudulent. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

Fraudulent Accounts : ( XXXX  XXXX, Account number : XXXX ) ( XXXX XXXX XXXX, Account number : XXXX ) ( XXXX XXXX, Account number : XXXX ) ( XXXX, Account number : XXXX ) ( XXXX, Account number : XXXX ) ( XXXX XXXX XXXX, Account number : XXXX ) Fraudulent Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Mortgage

Applied for COVID 19 forbearance on mortgage. Signed the promissory note on XX/XX/2021. FHA Partial Claim is dated for XX/XX/2021. Claim request from loan servicer ( Idaho Housing And Finance ) was submitted to XXXX XXXX XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX received the signed documents from notary on XX/XX/2021 with XXXX  tracking number confirmation. 

We are selling our home and title company was not able to get loan payoff. 

XX/XX/2021 : called XXXX XXXX XXXX and they stated the loan servicer has not submitted claim request. 

XX/XX/2021 : on the phone from XXXX CT. Called loan servicer, claimed they can not give payoff due to funds from HUD/FHA have not been received for COVID 19 forbearance. State they have submitted claim to XXXX on XX/XX/2021. Called XXXX  back, state they dont have record, so they can not give payoff for COVID-19 forbearance. Called servicer, they state the title company has not recorded the signed documents, so they can not process a payoff. I stated we can pay out of pocket for the loan amount but they will not allow it because the paperwork has not been processed. 

XX/XX/XXXX : Submitted formal request for payoff to both XXXX XXXX XXXX and Idaho Housing and Finance. I received an email back saying they are unable to process the request due to the loan servicer not submitting a claim request XXXX the claim request was submitted XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All EdFinancial items are errors without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus refuse to remove addresses that aren't mine.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX XXXX
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 items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern, I am displeased by this oversight and urge you to address and rectify all inaccuracies in your records promptly. I request that immediate action be taken to restore my credit profile 's integrity and accuracy without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Incorrect Current Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I was in an auto accident on XXXX/XXXX/XXXX - taken by ambulance to XXXX ER. <P/>I was not at fault. XXXX XXXX pending. <P/>XXXX XXXX service took me to the hospital at the time of the accident. At the hospital, insurance information was provided to hospital as well as the ambulance service. <P/>I have an Attorney handling my claim. Attorney XXXX XXXX - XXXX His office provided the auto insurance information and also stated that the case is still active and pending demand. <P/>National Ambulance service XXXX - prematurely sold my account to XXXX XXXX XXXX - XXXX without submitting to health insurance or auto claim. XXXX XXXX XXXX put this auto claim invoice into collection, ruining my credit score. I am in the process of buying a home and this issue is ruining my chances of purchasing my first home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to 15 U.S. Code 1681C-2 consumer reports reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted form an alleged identify theft, not a later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am victim of identify theft!

please delete the items immediately!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Along with this letter I have attached supporting documents in order to update my file. It is important that I recover the credit score. If you have any questions please feel free to contact me at the information above
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX for tickets, I contacted Paypal and they said I need to reach out to the vendor, I explained the vendor was a con artist who blocked me she said there was nothing they can do? I know its only XXXX but it was for tickets for my kids
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$690.00} XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm entitled to a method of verification as I have asked for and if they are unwilling to provid e one the inform ation must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.
Product: Credit reporting or other personal consumer reports

Based on my several previous request, I am still writing to formally report the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to removed of : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCT # XXXX This account is reporting inaccurate information on my credit report. I have attached supporting documents below.
Product: Checking or savings account

Capital One bank allowed {$7000.00} from my account for a check that has no resemblance if my signature .I never wrote the check. They have absolutely no excuse for accepting such an obviously fraudulent check. Even after being so careless, they wouldn't even agree to give me temporary reimbursement till they finish they're over extended investigation. In addition to that they make in virtually impossible to speak to anyone or complain about it, by not giving any serious means of contacting them, for the one number they provide never has anyone picking up the phone, leaving you hanging for hours. I Don't think a bank should handle other peoples money like this, especially when it was completely they're fault. Thank you
Product: Credit reporting or other personal consumer reports

I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. XXXX XXXX. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.
Product: Consumer Loan

I sold my car on XX/XX/2016. The dealership that bought it sent the buyoff to Wells Fargo Dealer Services and they show a payoff of the remaining balance of the loan on XX/XX/XXXX. On XX/XX/XXXX, I was charged another payment of {$500.00} for the loan automatically, despite the loan being paid off. I have been unable to reach anyone from Wells Fargo Dealer Services due to me not having an active loan with them anymore.
Product: Credit card or prepaid card

Account Opened in Fraud I reported my XXXX ' Store Card stolen in XX/XX/XXXX. I was mailed a new card and the charges from the card reported stolen were transferred to the new card. In addition to this I did not receive statements from XX/XX/XXXX - XX/XX/XXXX. And my website account was frozen which means I could not view my account on the website. At the same time I reported my card stolen I could view statements which were not mine however once I reported the theft all account information was removed from the website which makes it hard to prove to police what is happening. 

The dispute has been ongoing for over a year in violation of the law. 
I received a statement in XXXX for a XX/XX/XXXX charge which is not mine XXXX. I also was overcharged for items which I promptly returned. 

In addition to the harassment ; not knowing what is going on for six months and not receiving statements, XXXX ; XXXX has not been reporting the store account to the three credit bureaus. I have a XXXX Account with a XXXX credit limit which now has a XXXX fraudulent balance which consists of XXXX in charges which are not mine and the remainder in interest which should not accrue during the period of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with one of my mortgage, that it is now listed as 3 negative entries instead of one. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not 3 negative entries.
Product: Debt collection

My private information and my credit information was leaked, under the policy of 15 USC 1681 this information must be removed from my credit.
Product: Credit card or prepaid card

Hi I filed a dispute with Discover Credit card company on XX/XX/2020. However it went into 3 rounds of dispute and now the dispute is closed. 
It was about the item not delivered to me. I live at the following address : XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX However the item was not listed under my name it's listed for someone called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. 
Since the handbag was worth {$5800.00} it had direct signature required delivery where someone in the Apartment, XXXX needs to sign for it. However it never came to my floor XXXX instead it went to the 4th floor and was signed by someone called XXXX XXXX. I don't have the item. I really need help because this is an expensive item and I now have to pay for something which I don't own. I am going to attach all the proofs what I have. I have reached out to the merchant their name is " XXXX '' as well but they are not responding either. I have reached out to XXXX however XXXX is unable to provide any respond to me as they directly work with the merchant. 
My bank is stating that they can not refund me because the merchant has denied the claim. Merchant has proof that item was delivered from XXXX. I am not denying that the item was not delivered I am saying that item is delivered to the wrong person, my name is " XXXX XXXX '' and that's what is listed on my card. However the item is addressed to someone called " XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies regarding credit inquiries with Transunion. Transunion states that these inquiries have been validated, but they have not been properly verified. 

Per my request, I asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Transunion that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing. Again, I am requesting that the creditor and Transunion provide documentation bearing my signature for consent. 

Please see attached.
Product: Debt collection

This is a REVISED complaint in contrast to the previous one that was submitted ; please adhere to the instructions provided for this complaint instead of the initial one. 

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.