23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

NAVIENT Account number : XXXX Amount : {$3600.00} The information above was visible to a business. I have not authorized to release any personal information to strangers.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report, as I am a victim of a recent data breach. I believe these entries were added fraudulently without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you promptly block and permanently delete the following accounts from my report : Accounts : XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$410.00}
Product: Debt collection

This account does not belong to me, I was never informed I could dispute debt and or given a right to.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

XXXX XXXX contracts verse month to month service XXXX XXXX are reporting a bill ov {$3100.00} this company never sent any mail explaining my bill ov this amount now XXXX  XXXX was removed from my credit report months ago this company is currently accessing my ssn without any authorization from myself the XXXX holder this company has not write to access my score without my authriazation I have it spoke or dealt with version in the last yr or longer my Experian credit file indacaited that XXXX  XXXX has accessed my Experian report by putting the same bill ov {$3100.00} that Experian customer service apperatly remove in the past cause XXXX  XXXX couldnt validate or show any type ov valid info on myself the ssn holder that this amount is actually owed when I spoke to XXXX  XXXX executive managers department they explained the XXXX  XXXX does not collect on customers who could not afford the bill because they are a month to month pay as u go service I really believed Im being attacked because Im XXXX and has been XXXX over 20 yrs now I dont have {$3100.00} to pay thus so called amount I fill my credit and having a XXXX Im being token advaantage ov because Im XXXX XXXX in one XXXX ov my XXXX I fill this company may be using my ssn to access my credit files according to Experian credit reporting after being disputed can someone help me to get these unnessary and inaccurates bills off my credit file I fill Im being made a fool ov I only had to lines ov service so how can I billed {$3100.00} when XXXX XXXX never not once sent a bill to my home address
Product: Credit card or prepaid card

I apply for a credit card with capital one I have excellent credit and my credit score is almost 800 And I have sufficient income to apply for the credit card. for some unknown reason they declined my application I believe that my application was denied because of my race and national origin since there were no other reason given for my denial thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Request for Account Removal Due to Improper Investigation Practices Dear XXXX and Equifax, I am writing to formally dispute the accuracy of the following accounts currently listed on my credit report and request their removal due to a failure to comply with proper investigation procedures as outlined under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough and accurate investigation of disputed accounts. Furthermore, Section 611 ( a ) ( 5 ) ( A ) mandates that inaccurate or unverifiable information must be promptly deleted from the consumers file. In this instance, the investigation conducted on these accounts failed to meet these requirements due to the following reasons : 1. Lack of Proper Verification : The responses provided as part of the investigation did not include sufficient documentation or proof to validate the accuracy of the reported accounts.

2. Failure to Obtain Adequate Documentation from Furnishers : The investigation relied solely on electronic data verification, which does not constitute a valid method of compliance under the FCRA.

3. Incomplete Investigation Practices The investigation failed to address specific evidence I provided in my initial dispute, leaving unresolved questions about the accuracy of the accounts. 

Given these procedural violations, I am requesting that the above-referenced accounts be permanently removed from my credit report. Failure to address these issues not only violates the FCRA but also undermines my rights as a consumer to have an accurate and fair credit report. 

I am also requesting that you provide the following within the legally required time frame : - Documentation and evidence used to verify the accuracy of these accounts. 
- Details of the investigation process conducted, including communications with the furnishers. 

If the credit bureau can not provide proper verification as required under the FCRA, the accounts must be deleted immediately. 

I appreciate your immediate attention to this matter. Please provide confirmation of the actions taken regarding this dispute in writing within the required time frame of 4 days. Should you need additional information, feel free to contact me directly at the email address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I had fraud charges ( 61 of the same item at {$390.00} - some of these charges were over the limit - so not charged ) for a total of {$21000.00}. Within an hour i had called the credit card company and reported the fraud. I also pointed out that the company/vendor XXXX ( XXXX ) looked like it was fraudulent. 
In XXXX the fraudulent company sent me an envelope with a blank sheet of paper. They used this shipping envelope shipping # to claim they had sent me merchandise ( 23 items for about {$8200.00} ). The credit card company processed the charges without giving me an opportunity to dispute the charges. And i have been unable to get them to reopen the fraud claim. I have sent the the information from the police report i filed when i received the envelope. And mailed them a hard copy of the police report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report that have caused me financial harm and emotional distress. I have made reasonable efforts to have these errors corrected, but Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), as stipulated in 15 U.S.C. 1681o, resulting in negligent noncompliance. Details of the Dispute 1. Accou
nt Name/Number ( s ) : XXXX, XXXX. 
2. Inaccuracy : Incorrect personal information, inaccurate balance information, and missing terms.

3. Harm Caused : credit score impact, loan denials, missed communication, credit damage, unfair payment expectations, loan servicing errors, identity confusion I have previously contacted Equifax about this matter on XX/XX/year> and provided the necessary documentation to substantiate my claim. However, Equifax has : Failed to investigate the dispute in a reasonable time frame, or Failed to correct or delete inaccurate information, or Reinserted previously removed information without notification.

Notice of Intent to Take Legal Action If this matter is not resolved to my satisfaction within 30 days of receiving this letter, I intend to pursue all available legal remedies under the FCRA, including filing a civil lawsuit to recover damages under 1681o.

Thank you for your prompt attention to this matter. Please acknowledge receipt of this dispute letter and provide a case reference number for follow-up purposes. You may contact me at XXXX if further clarification or information is required. 

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

Ive received several emails from XXXX XXXX  and credit reports
Product: Credit reporting or other personal consumer reports

My information was compromised due to a data breach and there is unauthorized accounts on my report that need to be removed.
Product: Credit card

I signed up for american express platinum card on XX/XX/2016 because i saw them advertise ( XXXX Membership Rewards Points if you spend $ XXXX in the first 3 months ). After spending $ XXXX in 2 months, i was awarded the points. When i went to redeem the points, XXXX put a block on the points and are investigating my account. I called them and see what is going on but was not given any reason or timetable to when the investigation will conclude. This is false advertising. I paid all my bills in full and my balance is XXXX. I did not do anything wrong to be treated like this. I have many XXXX cards and this is the first time i 'm being investigated. 
please help
Product: Debt collection

Conns is reporting account # XXXX for {$2300.00}, on my credit reports. I've never applied for or received products or services from this company. I made numerous attempts to communicate with this Conns to dispute the account and start a fraud investigation to no avail. In XX/XX/2020 I requested assistance with addressing this matter and my recovery advocate and Certified Fraud Investigator communicated with Conns and verified that they are attempting to collect this debt from me and that the account reflects my name and social security number but a different address. This account was caused by ID theft. I've provided a Federal Trade Commission affidavit, police report, proof of my ID, Soc Sec and address, indicating that the account is not my account. Conns advised that they've determined that I'm liable for the account and related charges on baseless facts. The suspect used a Texas address when they opened the account which caused this incorrect address to reflect on my credit report. The disputed address is also part of the FTC Affidavit report and police report. Conns investigation results are inaccurate and incomplete.
Product: Mortgage

On XX/XX/XXXX, Forced Homeowners Insurance was purchased for my loan for the amount of {$5600.00}. I was not aware of the purchase till XXXX of XXXX, as my monthly payments did not increase till then. 

On XX/XX/XXXX, I provided proof of homeowners insurance from XX/XX/XXXX- XX/XX/XXXX to the insurance department at XXXX. I was told that I now showed continuous coverage. 

Next I received a letter dated XX/XX/XXXX informing me that the lender-placed insurance for the property was cancelled effective XX/XX/XXXX. 

On XX/XX/XXXX, I called NewRez customer service at XXXX to inquire about the refund of forced insurance premiums and related fees. I was told that XXXX XXXX XXXX, my previous mortgage servicer, was responsible for the charge of {$5600.00} and that I needed to contact them for a refund. I was unable to contact XXXX XXXX XXXX and later found out that XXXX XXXX XXXX was acquired by NewRez. I called NewRez again and this time was told to submit a request in writing to XXXX. I sent a request to NewRez on the same day and asking to be refunded forced insurance premiums and fees. 

As of XX/XX/XXXX, I have not been refunded forced insurance premiums or related fees or heard again from NewRez.
Product: Mortgage

My name is XXXX XXXX I am writing to you about my estate problem I have been dealing with for quite some time. The first time I had this problem is when my mother passes away. I have been doing everything I can to keep my mothers home. Please excuse my grammar if it sound rushed. This problem is very frustrating and exhausting. Back in XXXX I had to take care of my mother estate. I had a lawyer, but he was expensive so he could only go as far with my case. Leaving me wondering and confused I never heard back from him my mother estate went under foreclosure. My nightmare begins I can never get in touch with my lawyer. At the time all state and city municipal institutions were closed or backed up due to Covid-19. I was not getting nowhere and put on hold. In XXXX the AGO reached out to me I was help by a very nice man name XXXX XXXX who does not work for the AGO no more, but now I work with XXXX XXXX who is just s helpful and concerned. Before XXXX XXXX left everything was going okay. I started working as a XXXX XXXX  and Massmortagehelp.gov help me out by get my mothers mortgage updated and correct. I was paying the mortgage unit I was released from my job and was told to look for a job ASAP. I started working around XX/XX/XXXX until XX/XX/XXXX. I was supposed to be permanent, but one of the supervisors decide to retire. Because he retired me and another employee was terminated, we were recently hired, therefore we were let go first. This dilemma has cause me to go backward and now I am back in a financial crisis. I am on XXXX ( SSXXXX ) my income is fixed and low. I am a XXXX XXXX who is having trouble finding and getting a job. I went back to school and work so I can help my mother and her estate. There is more to my story and I only can write as much. I am asking can someone please help me. 
Sincerely XXXX, XXXX XXXX XXXX. Due to my financial problems please contact me via email XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XX/XX/2018 XX/XX/2018
Product: Debt collection

I am a victim of identity theft yet your company MIDLAND FUNDING has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account MIDLAND FUNDING collections in the amount of {$830.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/19. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. OnCe again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a COLLECTION FOR A CREDIT CARD and I have not ever given your company or any other company authorization to OPEN ANY CREDIT IN MY NAME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit Inquiries listed on XXXX. 
XXXX  refuses to remove the unauthorized Inquiries. 
Told me I have to contact them to remove them. 
I'm a victim of identity theft due to XXXX  data hack My information was compromised Someone is using my identity.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following date XX/XX/2020. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Consumer Loan

I purchased a vehicle from Kia motors ( XXXX XXXX ) in XXXX, SC. In XXXX XXXX, I totaled the vehicle. I informed my insurance company ( XXXX ) regarding the accident. Together they paid Kia all of the remaining balance of the vehicle with the exception of approximately {$600.00}. After finding out that I had to pay the remaining money, I paid all except {$300.00}. I checked my credit report and was amazed to find that Kia Motors had my balance remaining at over {$21000.00}. They refused to remove it and put the correct balance on my report. I had been turned down for credit and did n't know why until I saw my report. I called Kia Motors and they refused to change my report until all my balance was paid. No one at Kia mentioned anything about deductibles, or that my credit would be impacted until all monies had been collected on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX -- ( XXXX ) XXXX AND XXXX XXXX I, AS ASSIGNEE OF XXXX XXXX XXXX XXXX XXXX 
BALANCE : {$2000.00} IN XX/XX/XXXX XXXX XXXX XXXX NOW KNOWN AS XXXX  SOLD THIS ACCOUNT TO XXXX XXXX I, XXXX. IN XX/XX/XXXXXXXX XXXX SUE ME IN COURT TO COLLECT THE DEBT. DURING THE COURT PROCESS XXXX XXXX COULD NOT PROVE THE DEBT AND FILE A VOLUNTARY DISMISSAL OF THE CASE. SEE EXHIBITS.
Product: Checking or savings account

I hope this letter finds you well. I am writing to bring to your attention a distressing incident I recently experienced with TD BANKXX/XX/XXXX, which has left me both frustrated and inconvenienced. I believe that as a consumer, it is essential for our concerns to be heard and addressed. 

Today, my SSI check was deposited at TD BANK with the expectation that the funds would be available in a timely manner. Unfortunately, there was a significant delay in processing my deposit, resulting in the funds not being available until approximately 12 hours later. This delay had a cascading effect on my day, as I had several important appointments that I was unable to attend due to the unavailability of the funds. 

What added to my frustration was the response I received from TD BANKs customer service. When I contacted them to inquire about the delay and express my concerns, I was met with unhelpful and dismissive answers. To my surprise, they suggested I contact SOCIAL SECURITY, which seemed entirely unrelated to the issue at hand. This not only left me feeling unheard but also left me without a satisfactory resolution to my problem. 

To compound the matter, it became apparent that the delay was a result of a computer glitch or some technical issue on their end. However, the bank failed to acknowledge responsibility for this incident. In such situations, I believe it is the bank 's responsibility to ensure that customer transactions are processed efficiently and without unnecessary delays. 

I am writing to request your assistance in addressing this matter with TD BANK. I believe that consumers should be treated with respect, and it is crucial that financial institutions like this take responsibility for technical issues that directly impact their customers. 

I kindly request your guidance and support in resolving this issue. I hope that you can assist in ensuring that TD BANK acknowledges the problem and implements measures to prevent such incidents in the future. 

Thank you for your time and consideration. I look forward to your response and any assistance you can provide in rectifying this situation. 

Sincerely, XXXX XXXX XXXX Also I would like {$70.00} refund for overdraft that was only under {$20.00}
Product: Credit reporting or other personal consumer reports

I got kickoff llc 9 months ago they have been taking two payment from my checking account every month. This has not at all help my credit like they advertised they been just taking my money. First off their fake and I never got no kinda loan are debit card from them so that is fraud their doing reporting to the credit bureau because they have not lended no money but reporting that people is paying back a loan when all their doing is taking people money they refuse to give my money back after I look at my credit report and after 9 months I see their a false advertisement and has did nothing for me! Blaming other things as to why it didnt help.blaming an actual credit card from a real bank that I just got to be the problem when in fact their the fraud and lying to the credit bureau with all these fake loans and repay information their reporting. My understanding that this boost your credit XXXX point in months well its been 9 months and that is not at all, plus you can tell its fake if you look at the credit report it will say like you borrow {$60.00} who is going to borrow {$60.00} and they put that on your credit report, one of them said {$0.00} borrow and paid back {$0.00} but I have an on time payment history is outstanding .How is that possible if its {$0.00} and paid {$0.00}. I read reviews and there is other people saying the same thing they did! This cant be legal because their committing fraud by lying to the credit bureau saying I borrow {$60.00} from them because I have not got a XXXX from them yet the take two payment from my checking account every month and it has been for no reason I want my money back because they are a fraud scam
Product: Credit reporting or other personal consumer reports

I have never requested or permitted any of these companies to pull these credit to my report. It's causing me stress how much this is negatively affecting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has once again added an account onto to my credit report without providing notice 5 business days prior to reinserting item. Section 1681 violation of FCRA rules. 

Account name ; portfolio recovery and associates. Original creditor XXXX XXXX. 

Neither Experian or portfolio recovery and associates can either validate or verify this account. A violation of fcra rules section 1681