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

I am writing to formally dispute inaccurate information that appears on my credit report. I demand an immediate investigation and removal of the following disputed item : Account Number : XXXX Reported by : XXXX XXXX This information is inaccurate, incomplete, and unverifiable for the following reasons : 1. FAILURE TO VALIDATE DEBT : The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I sent a written request for validation, and the debt collector has not provided sufficient documentation to substantiate their claim.

2. DISPUTE WITH ORIGINAL CREDITOR : This account is currently in dispute with the original creditor. Under the Fair Credit Reporting Act ( FCRA ), disputed information can not be reported as accurate.

3. INACCURATE REPORTING : The balance, dates, and account st
atus being reported are inaccurate and do not reflect the true nature of this account.

4. LACK OF STANDING : The debt collector lacks proper standing to report this information, as they have not provided evidence of their right to collect on this debt.

LEGAL NOTICE : Under the FCRA, 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation into this dispute within 30 days. This investigation must include : 1. Contacting the furnisher ( debt collector ) to verify the accuracy of the reported information.

2. Reviewing all information and documentation I have provided with this dispute.

3. Considering the specific points of dispute I have raised.

If you can not verify this information as 100 % accurate within 30 days, you are required by federal law to promptly delete it from my credit report.

DEMAND FOR ACTION : 1. Conduct a thorough investigation of this disputed item.

2. Remove the disputed information from my credit report if it can not be fully verified.

3. Provide me with a description of your investigation procedure.

4. Furnish me with the name, address, and telephone number of the source of this information.

5. Send an updated copy of my credit report showing the results of your investigation.

NOTICE OF INTENT : Be advised that failure to comply with this dispute may constitute a violation of the FCRA. If this disputed information is not removed or corrected within the statutory 30-day period, I intend to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue legal action against your company for violations of the FCRA, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney 's fees. 
This letter serves as my formal notice of dispute under the FCRA. I expect a prompt and thorough investigation of this matter.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : NXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX, XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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: Debt collection

I am reporting a fraudulent account open in my behalf. Under the company XXXX the account was send to collections. Not only I never had any knowledge of this account but I see. The account for the first time in my credit report after it affected my credit tremendously. I made several attempts to dispute the issue. Explain to them that fraud was made using my information. They decline the dispute because they have documents that prove it wasnt fraud I would like to get a hold of those documents because one I never open a XXXX line I dont even own one myself. Someone open 2 different accounts under my name around the same time one for XXXX and XXXX for XXXX XXXX XXXX Wich they already handle that. But the XXXX account they refuse to close this fraudulent. I cant pay for something. I wasnt responsible for. Its unfair I have been laid off work since pandemic started let alone im gon na open a phone line. Absolutely not!!! This is effecting my credit line tremendously. I would like for a fair approach because I didnt open this I been a victim of fraud from 2 different companies just days apart. Please help me thank you so much
Product: Student loan

I have XXXX consolidated loans ( Unsubsidized & Subsidized ) with Navient from XXXX schools I attended. I submitted a change in repayment plan application on XXXX/XXXX/XXXX. I was on the XXXX plan and requested to be switched to the REPAYE. I became unemployed on XXXX/XXXX/XXXX and have remained so. I submitted all the required paperwork necessary which included a letter indicating my situation as well as my unemployment approval letter. That is my sole source of income. After submitting it, I was told it could take up to 20 business days to complete. On XXXX/XXXX/XXXX, I received an e-mail which stated that my application could not be processed because I applied before the renewal period. This e-mail was in error because my application clearly stated that I wanted to change my repayment plan, not renew it. Nevertheless, I called and recorded Navient on XX/XX/XXXX to clarify the mix-up. After being transferred twice, I reached a rep named XXXX who assured me that he was going to take care of it. He said that he needed to collect a small expedited payment from me of any amount ( {$10.00} ) and he would put a one month 's forbearance on the account, forcing the system to remove me from the IBR plan. At which point my application to be placed on the REPAYE plan would be processed. He said I did n't have to resubmit an application and the existing one would be used. My forbearance expires on XXXX/XXXX/XXXX and my payment is supposed to be {$0.00}. However, I have not received any follow-up on my application and according to the navient.com website, my payment would resume at over {$600.00}. I 've spoken to and recorded over XXXX reps including XXXX to get this rectified. I can not afford my payments and have done everything within my power to communicate and submit the required documents. I will follow-up on the next business day, but wanted to file a complaint against this company for purposefully delaying the processing of my repayment application ; thereby increasing interest on my account and possible late fees.
Product: Money transfer, virtual currency, or money service

I used to use the app XXXX. A while back, I started a chat with another anonymous user. They posed as a younger woman in need of cash. They provided their cashapp and I sent them {$30.00} in good faith on XX/XX/2023. Their cashapp is $ XXXX. Only after remitting payment did I realize it was a business account. No goods or services were exchanged. As such, Id consider this a scam at best and a potential money laundering scheme at worst. Cashapp support was only able to provide me with a generic complaint form reporting the account as a scam with no further context. I pursued this further with their chat support only to be given prefabricated responses that did not address the concern in any meaningful capacity. I dont need the money back, just reporting for the sake of other consumers and a belief in the greater good.
Product: Payday loan, title loan, or personal loan

Onemain financial took an additional payment of, {$430.00}, out of my checking account without my authorization on XX/XX/XXXX. When I contacted them concerning the matter, they stated they were unaware of this transaction. I took them a hard copy of my bank statement in person to prove this to them. The company had taken the normal scheduled payment out the week before on XX/XX/XXXX. After the second transaction took place, there was no money in my checking account. I was left with {$0.00}. I contacted them via phone immediately and went to their office on XX/XX/XXXX about this concern. I was leaving to go out of town on the evening of XX/XX/XXXX for work. I expressed my concern about this matter and how much of a hardship this was putting me in. I had to go out of town to work without any money for gas or food. I was out of town on the evening of XX/XX/XXXX thru XX/XX/XXXX. They informed me there was nothing they could do. They were unwilling to help me with money to get me through the weekend. I ask them about writing me a check for the money and they refused to do so. They stated they could not make this transaction for me. With that being said, I had no money for food or gas the entire time I was out of town working. It is now XX/XX/XXXX and I still have not received the money back in my account. I am in a hardship now due to other bills being due that I can't pay because One Main Financial has not refunded me the money they took without my authorization. It has now been seven days and I still have not received the money back into my account. Today is Friday, XX/XX/XXXX at XXXX, and I am going into another weekend without any money. I am very upset about this matter. This is money that I have had to get out and work for. This is not a credit card matter, that I consider free money from a bank or credit card company. I called them today, XX/XX/XXXX, about my concern about the money not being refunded back to my account. They could not explain to me as to why this money has not been credited back to my account. To this day, I still do not have any money in my account to make it through another weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report showed one 30 days late payment. I disputed this because I wasn't sure if this was accurate. I tried a Goodwill letter and even tried talking to a rep at BMW financial and he told me they have to report accurate information to the CRA. I asked for poof and never received anything. My account is paid off so I no longer have access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discount Tires is incorrect information I did not have two late and I only owe them {$300.00} and also XXXX  is not reporting correctly the amount that I owe and I have not been late with them either and XXXX  credit is also not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts are appearing on my credit report, and Im completely at a loss for why this is happening. I routinely check my credit report, but this time, there were unexpected errors that I cant explain. I even tried refreshing my browser to see if it was just a technical issue, but the inaccurate accounts remained. Im begging for the documents Ive provided to be reviewed carefully so that I dont have to live in constant anxiety over this.
Product: Credit reporting or other personal consumer reports

I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is Sallie Mae and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.
Product: Consumer Loan

I went to Check 'n Go on XXXX XXXX, XXXX to get a loan to make repairs on my car. Check 'n Go gave me a {$5000.00} loan at 74.95 % APR. 
On XXXX XXXX, XXXX, I went back to Check 'n Go to get a little bit more money. They told me I could refinance my loan with them, and I would have to take out at least {$2000.00} more with them. I did n't need {$2000.00} more, but they told me that they would not give me a loan unless I accepted a refinance loan for a higher amount of money. I signed a refinance agreement for {$3700.00} at 85.08 % interest. 
On XXXX XXXX, XXXX, I went back to Check 'n Go because I was behind on my rent payment and all my bills and needed more money. Again, I wanted less than {$2000.00}, but Check 'n Go insisted that I take out a loan where I would get over {$2000.00} in cash. I signed another refinance agreement for {$4600.00} at 104.57 % interest. 
The Check 'n Go office has, from the beginning of my interactions with them, refused to accept any method of payment from me except cash. They debited my bank card once to get my bank information. 
I fell behind on my payments with Check 'n Go around XXXX XXXX, XXXX. Check 'n Go created a check for {$380.00}, payable to Check 'n Go, in my name and cashed it with the bank. I was never informed that Check 'n Go could do this. I would not have given authorization for Check 'n Go to do this if I had understood what remotely created checks are. My bank charged me an overdraft fee after Check 'n Go cashed a check that it had created in my name that I did not authorize. 
I fell behind on my payments with Check 'n Go again around XXXX XXXX, XXXX. Check 'n Go again created a check in my name payable to Check 'n Go for {$530.00} and cashed it with my bank. I disputed my check with the bank and have attempted to withdraw my authorization for any future checks created by Check 'n Go. 
I have never authorized Check 'n Go to create checks in my name to overdraw my bank account.
Product: Credit reporting or other personal consumer reports

I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.
Product: Mortgage

I had inquired a refinance from Ocwen Mortgage ( Fla ) ( I live in P.a. ) ..in XXXX ... .they foreclosed on my house before the time allowed ... with my possessions inside ... .i had a buyer for the home..through a realtor ... they ( his name was XXXX XXXX XXXX refused the offer of 91,000 $ ..i filed bankruptcy added the house to the bankruptcy ... THEN when my home was sold ... .they tried to come after me for the balance ... .because if they had taken the XXXX offer they wouldve gotten 30,000 $ more, than they ended up getting through the bankruptcy, which was only 70,000 ... so i lost my home ... .over the years i had heard from a law firm that was supposedly filing a class action suit against them ... but ive never heard anything again!! Im STILL XXXX about this ... it was my childhood home ... i was taking care of a toddler and a XXXX mother @ the time ... .My Mother passed before the foreclosure ... but they were horrible to me!!!!!
Product: Debt collection

They are attempting to collect debt starting from XXXX. They total amount they are trying to collect is {$4000.00}. They have contacted me several times and originally the alleged debt started at {$700.00}. Now it is over {$4000.00}. I asked them to very fit the debt and all they sent was a two page paper with the alleged total amounts owed. I was on Medicaid and Medicaid does not charge a copay ( since 2016 ) and they inisist that I owe medical bills.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter XXXX  DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change
Product: Debt collection

I just reviewed my credit report I was made aware of a collection account which is not mine. 

I have no knowledge of the XXXX XXXX account nor do I have any relationship with this collection agency. 

I will be submitting a police report to the collection agency and the credit bureaus about this fraudulent account. 

In the interim, please send all signed, original, contract agreements as well as complete account number, date account was opened, how it was opened with whom it was opened as well as all other pertinent information regarding this account that appears under my SSN and credit reports. 

In addition, I need information on this unknown collection agency such as their license number, all pertinent dates on this account, headquarters location, presidents ' name and contact info as well as all information that shows that they are legally a collection agency in their perspective state. 

Thank you. 

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

Still no response from other 2 open cases. XXXX responded and upon their investigation the information was fraudulent and they removed from my report. Experian and XXXX  said they use the same data furnisher ( XXXX ). They don't have a file for me. I am going to contact a FCRA attorney. This is effecting me emotionally and financially. XXXX still have XXXX. I reached out to them directly. They have no valid proof. XXXX  have over 10 fraudulent items on my report and 4 duplicate accounts. Experian have 3 accounts that are fraudulent! This is a Violation of my rights per the FCRA AND FDCPA!
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate the account XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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.