23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXX XXXX XXXXXXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXX XXXX XXXX : Charged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to USAA XXXX XXXXXXXX XXXX for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called experian, procollect, usaa and XXXXXXXX XXXX. They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all XXXX of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three Inquiries on my Experian Credit File that I DID NOT authorize or give permissible purpose to do a Hard Inquiry on my Credit. 

XXXX XX/XX/XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX/ XXXX XX/XX/2019 I have sent letter but nothing has changed in over 30 days. I do not not know how they can say something is " Verified '' when I did not sign for it or give permission to pull my Credit to any of these three sources. I have been a victim of Identity Theft in the past and I imagine this is where these Inquiries are coming from again.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have illegally obtain my credit report. I have checked the records and found that Experian, XXXX, and XXXX are only licensed to do business in Maryland. This means they can only report consumer reports for residents in Maryland. I am a resident of The Republic of Ohio and have been for 33 years. Please remove all the credit information from the credit report or every account should be reported as paid as agreed and appear with NO late payments. In addition, 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This further shows that any late reporting CAN NOT be on my credit report. I have attempted to resolve this issue with all of the credit reporting agencies. Experian blatantly told me on a recorded call that Experian is not required to conduct and investigative consumer report. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Information on my credit report has been directly obtained from a creditor. I have already submitted an invoice for this violation in which Experian has vehemently opted to ignore and purport that they are away of my concerns. I have been attempting to resolve these issues since last year. 

As a result, I will be submitting a Form 211 OMB and a Form 3949a as all 3 credit bureaus are committing securities fraud and at this point are committing an organized crime. I also will be requesting that the SEC consider a RICO charge filling as you have all colluded to defraud myself and my rights.
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. 

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  and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 
XXXX XXXX XXXX XXXX XXXX XXXX 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. 

and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccurate information that has appeared on my credit report. After reviewing my credit file, I have identified several discrepancies that I believe are erroneous. I am requesting a full investigation into these issues and an immediate correction of any inaccuracies. 
These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and integrity of the data reported. I am aware of similar legal actions involving inaccurate reporting, such as the case in which " The Cupboard '' filed a lawsuit against XXXX for the same recurring issues, where it was found that XXXX failed to accurately investigate or resolve disputes, leading to continued misinformation on credit reports. 
Here are the specific items I am disputing : XXXX XXXX XXXX {$620.00} Protfolio recov association {$370.00} 7 hard inquiries I also request that you provide me with written confirmation of the results of your investigation, including any corrections made to my file.

I expect a timely response within the 30-day period, as required by the Fair Credit Reporting Act, and I trust that these issues will be resolved promptly to ensure my credit report is accurate and reflects only correct information.

Thank you for your immediate attention to this matter. Should you need any additional information or documentation to facilitate your investigation, please do not hesitate to contact me. 
Sincerely, XXXX XXXX
Product: Student loan

Over the course of the loan which has been o ver ten years  customer service only give information about deferment and forbearance. I found out about income base repayment plans from a coworker. I have been a   XXXX   XXXX  in  XXXX   XXXX   for over  tw  enty years and no one ever told me about the student loan forgiveness program until I learned about it two years ago from a  coworker.
Product: Debt collection

I disputed the debt with XXXX XXXX who did not have a signed contract and did not validate the debt. They sent me a letter declaring that I did not owe the debt and they removed from credit report. Resurgent refuses to remove debt although I have sent letter from XXXX XXXX to them.
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX XXXX # XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 15 USC 1681 section 602A which states that I have the right to privacy 15 USC 1681 section 604A states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 or other personal consumer reports

I was alarmed to find an unauthorized inquiry on my credit report this morning, and I have no idea why its there. I regularly monitor my credit, yet this discrepancy appeared out of nowhere. I even tried refreshing my browser, but nothing changed. This is extremely upsetting, and I need this issue addressed immediately. Please review the documents I provided to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

i have attached a photo of, my id. I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Student loan

After being laid off from my employer in XXXX of 2016, it was difficult to ensure bills were paid on time with XXXX income which was my wife 's and part time. Therefore, after falling behind in my Navient private school loan, I made several attempts to seek out and obtain assistance from Navient in hopes of getting a lower monthly payment until payment from my new employer was consistent enough to begin repaying the original amount due each month ; however, each attempt made to Navient on my behalf has been unsuccessful and have been informed each time I 've requested the assistance, that I 'm already enrolled in a low payment program and despite the financial hardship, there 's nothing else that could be done. Navient representatives have also made it clear, that if a certain amount was not paid by a certain date, the delinquency would be reported to the credit bureau 's. I 've also received documentation, via mail, from Navient that states other repayment options are available that may be a better fit for my budget if I 'm having difficulty making my payments, yet, I 've been told numerous times, that there 's no other options available to me since I 'm already enrolled in a low monthly payment program.
Product: Money transfer, virtual currency, or money service

Every check I have submitted to Ingo money it has been declined for one reason or another. Today was the best.

A check from a client, from XXXX with everything printed exactly. They declined saying that the name and needs to be pre-printed on the check. It clearly was. It even has the Code from XXXX on the check. 

They can't seem to approve any check, keep getting Error code ( XXXX ) they can't accept a check that is hand written, they can't accept a personal check, they can't accept corporate checks, they can't accept printed checks with every single detail in order. A total of 4 checks have been submitted from small companies, handwritten, printed and electronic from XXXX and they have all been declined. Obviously, they only accept payroll checks. Well many of us don't work for some corporate entity because we are entrepreneurs. 

This service is horrible. They approve nothing, accept no responsibility.
Product: Credit card or prepaid card

I would like assistance with disputing a charge on my account for {$6500.00}. It was paid to Discover Credit Card on XX/XX/18. In total they charged me {$6500.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute the XXXX XXXX account several times with Equifax, XXXX and XXXX XXXX  as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from XXXX XXXX  and they have refused to provide it. I have requested that Equifax and XXXX Delete this account because XXXX XXXX  has refused to validate this account by sending me the Origional contract. Equifax and XXXX refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. 
EQUIFAX- 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

On XX/XX/XXXX I financed a XXXX XXXX XXXX  with XXXX from XXXX XXXX. I was over charged for the vehicle at {$30000.00}. 
In XXXX of XXXX I contacted XXXX  to advise them of an unfortunate employment deficit that was facing in which I was looking to reduce monthly payment or defer the loan in which I was told I either make the payment or the car would be repossed. 
From that moment I made payments in small increment as my money would allow how ever on XXXX my car was repossessed. XXXX received a XXXX payment from more gap insurance in which they never recorded to my account. On my credit report it reflect that I owe over {$29000.00} for car loan. After seeing that the balance was not changing on my report after over 6 months I called XXXX and was verbally told that my vehicle was sold and o currently owe {$14000.00}. While I dont want to admit to owing a balancing that Im not sure how the determined, I am also dealing with XXXX refusing to send me written document of balances owed and explanation of said balances, and they have also refused to update the balance on my credit report. When speaking to employees on the phone I keep getting directed to the same person who is gas lighting me and making fun of my financial struggle as if trying rectify this situation. I have received the run around for mouth when trying to get clarity and I feel like Im being bullied and tormented. I was told by the finance manager that no one told me to get a car I couldnt afford and he doesnt have to help me figure out my balance.
Product: Credit card

I have a Chase credit card. They sent me a letter stating they were going to close the account due to inactivity ( fair enough ) and that my only way of avoiding deactivation was to call their customer help number during set hours. Even buying something with the card would not avoid deactivation - I had to call their number. 

Unfortunately, their customer phone number had an extremely long wait. I gave up after 25 minutes because I had to get back to work. When I signed onto my account online, there was no live chat option or even a way to email them expressing that I wanted to keep this account open. 

This is a minor problem, but still I think worth the CFPB 's attention. Is it fair for Chase to make people like me wait for 30, 60, 120 minutes in order to keep their credit lines open? Many working people do n't have open-ended time during the workday to wait to get Chase on the phone. Closing these accounts negatively affects credit scores - and consumers like me want to keep them open. I can see why Chase has a financial interest in closing out these accounts and are making it difficult for customers to exercise their ability to keep these accounts open.
Product: Credit card

Ensuring timely payments has always been a priority for me with this account, ensuring they are never overdue. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections should be made.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to XXXX due to XXXX is reporting that there is an account opened for United Auto Acceptance. 
As a result, my credit score dropped XXXX points! 

My XXXX report shows Date of Last payment shows on my Credit report as : XX/XX/XXXX. 
This is not true! 
This account has been closed since XX/XX/XXXX. 
I returned this vehicle to the Dealership ( XXXX XXXX  ) with the keys due to multiple issues with the vehicle. 
I purchased another vehicle ( with another Dealer ) the same day that I returned the XXXXXXXX XXXX Vehicle and keys to them. 
This account should be removed from my file due to its been over 7years since the account was closed. 
Please remove this account from my Credit Report and add back my XXXX Points to my Credit Score.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed a fraudulent account on my credit report per following XXXX Credit Report As of : XXXX XXXX XXXX XXXX Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX 47 % {$470.00} XXXX Credit Report As of : XXXX XXXX XXXX XXXX Revolving XX/XX/XXXX Closed Charge-off XX/XX/XXXX 47 % {$470.00} XX/XX/XXXX, TransUnion Credit Report As of : XXXX XXXX XXXX Revolving account XX/XX/XXXX Closed Charged off as bad debt XX/XX/XXXX 47 % {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureau to remove public record bankruptcy reporting on my credit report that i have no knowledge of. This bankruptcy was filed XX/XX/2019 and closed the same day. This account is reporting to my credit in error. I have contacted the bankruptcy court and they advised me that they do not verify information with the credit bureaus, how can the credit bureaus continue to report this information as verified. I have also requested that the credit bureaus send me original documents with my signature which they failed to do. Without proper verification showing my personal responsibility to this account the credit bureaus have to remove this account from reporting to my file which they have failed to do. 
I have also requested that the address associated with this account be removed because i have never been associated with that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17 I disputed information about collection account to not be responsible for to Equifax. 30 days have passed and Equifax stated they have n't got a response from collection agency but they are still kept the collection on my credit report