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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX [ XXXX ] Date : XX/XX/XXXX Urgent Request for Immediate Removal of Charge-Offs from Credit Report Dear Credit Bureau Representative XXXX This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) concerning the inaccurate and unverifiable charge-offs on my credit report. These charge-offs are causing significant financial harm, and I am requesting their immediate removal within 4 business days due to their negative impact on my creditworthiness.

Per 15 U.S.C. 1681i ( a ) ( 5 ), if you can not verify these charge-offs with original documentation, they must be deleted immediately. 
Accounts in Dispute : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX  XXXX, XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX, XXXX Amount : {$420.00} XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX  Amount : {$150.00} XXXX  XXXX, XXXX Account Number : XXXX Date XXXX Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX, XXXX Amount : {$9600.00} XXXX XXXX XXXX XXXX ( CLOSED ) Account XXXX XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$14000.00} Legal Basis for XXXX XXXX XXXX Investigation FCRA 1681i ( a ) ( 5 ) Immediate Deletion of Unverifiable Information If these charge-offs can not be verified with original signed contracts, full account history, and lawful collection authority, the law requires their immediate deletion.

FCRA 1681s-2 ( b ) Furnishers Must Provide Proof or Request Deletion Creditors must provide factual evidence supporting these charge-offs. If they fail to do so within 4 business days, you are legally required to delete them.

FCRA 1681e ( b ) Duty to Maintain Maximum Accuracy A charge-off is not proof of a valid outstanding balance. Any misleading, outdated, or incorrect information must be corrected immediately.

Demand for Immediate Action I request that these charge-offs be removed within 4 business days, or you must provide : The original signed credit agreement.

A detailed payment history proving the debts accuracy.

Documentation proving the charge-off was legally reported under Generally Accepted Accounting Principles ( GAAP ).

Failure to comply within 4 business days will result in : A formal complaint filed with the CFPB, FTC, and my states Attorney General.

A potential legal claim for damages under FCRA violations.

Even if you do not remove these charge-offs within 4 days, per FCRA 1681i ( a ) ( 1 ), you are still legally required to complete your investigation within 30 days.
Product: Credit reporting or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I never received billing or notice that i owe a debt to them. 
They posted on my credit report without warning or a chance to verify debt.
Product: Mortgage

XXXX acting on behalf of one of my investors, U.S. Bank, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on the XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Resolution Needed for Credit Report Mismatch Dear CFPB services I hope this message finds you well. My name is XXXX XXXX, and I am a new student in XXXX, having arrived in XX/XX/year>. I applied for a credit card with XXXX shortly after my arrival, but I was informed that my application could not be processed due to an issue with my credit report. Specifically, my credit report appears to be mixed with that of another individual. 

I immediately contacted TransUnion upon discovering this issue. However, despite numerous follow-ups over the past nine months, the situation remains unresolved, and I have received varying responses from your team. 

As a new resident in XXXX, establishing credit is crucial for my financial stability and integration into the country. The delay in resolving this matter has significantly impacted my ability to do so. 

I kindly request that this matter be escalated to the appropriate department and resolved as a priority. I would appreciate regular updates on the progress and a clear timeline for when I can expect the issue to be fully resolved. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in correcting my credit report. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the following account as paid as agreed ( OK ) from XXXX and XXXX is not reporting payment history at all. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Because the balances being reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Debt collection

The Company is XXXX XXXX and they are trying to collect an old XXXX on Credit Card debt. Today they called from a number that was id as XXXX XXXX on my phone caller id. When I called back the recording said XXXX XXXX, they are calling almost every day, I spoke to them 2 months ago to come up with an agreement and informed them that I still could not pay how much they were asking for, the rep insisted that I had to give a credit card number and she would put a future date on it. I explained to her that any date she puts is not a guarantee that I can pay as I was still not working and even though I was interviewing I had no prospects so not sure how I was going to pay. They stopped calling for a while and started calling back every single day, and today at XXXX pm I got a missed call that said XXXX XXXX XXXX. Since I did not file taxes as I have no income to report, I called back and the recording stated XXXX XXXX, not XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Date of Inquiry : XXXX
Product: Credit card or prepaid card

I accepted an offer for an Aspire Credit card in XX/XX/2019. Card account was opened. My first statement dated XX/XX/XXXX had the following fee assessed.

Trans Date Post Date Description of Transaction or Credit Amount XX/XX/19 XX/XX/19 ANNUAL FEE {$170.00} This annual fee is exorbitant and was not clearly communicated to me when I opened the account.

I communicated to the lender asking them to refund or close the account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX ) XXXX XXXX XXXX / XXXX XXXX XXXX XXXX Account Number : XXXX This account does not belong to me, it is the result of identity theft. 


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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX credit card account was closed inXX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XX/XX/XXXX with XXXX  and Experian ( XXXX is reporting closed status as of XX/XX/XXXX). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX  multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continually reports fraudulent information on my credit file. I have reported this account numerous times. First of all Ive been a victim of identity theft this has been occurring for years. Experian always unblocks any information they see fit. Regardless if the account is fraudulent or not. I never opened a loan in XX/XX/2021. That wouldnt have been possible my score at that time was XXXX because of the fraud. Yet Experian is reporting the XXXX XXXX credit union account as opened in XX/XX/2021. As an installment loan. Which Ive never done business with this institution. After over 4 years of identity theft I now filed bankruptcy. The my community fraudulent account was included in my bankruptcy filed XX/XX/2021 as well this account is now discharged. Yet Experian keeps reporting it as charge off, refuses to mark the account as chapter XXXX. This is against the law, and the company refuses to follow FCRA bankruptcy laws instead keeps attempting to collect a debt included in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have sent in several letters including a affidavit to all 3 credit bureaus about a fraudulent account on my credit profile with a XXXX XXXX XXXX they continue to respond verified when I asked them to send me information on how the account was verified The refused to which is a volation .according to the According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Bureaus are required by federal law to verify ..through there failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts.All 3 bureaus sent me a letter stating the account was verified i asked them for proof of how they verified the accounts they did n't respond ..I sent company a letter asking to verify the account and to send me a copy of the original contract I received a letter response from the company which I 've included that they could 've send me a copy of the account application because it was done online or via phone do you know how many people steal people identity everyday and could n't opened this account online r by calling. I 've included a copy of this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report should reflect my loan payments are in fact up to date. If the same company is reporting the information then all the bureaus should have the same information. Due to Experian claiming that 8 late payments were just verified. Id like the method of verification.
Product: Credit card or prepaid card

I was contacted by XXXX credit card ( Comenity ) about possible fraud on my card in XXXX. I called them, and told them I had not made the charge, didn't know who the company was, and had not received anything from that company. The girl I spoke to told me it couldn't be fraud, it was a recurring charge, and therefore I had to have given them my number. She told me I would have to cancel the billing with the company myself. That seemed unlikely to me, but I tried. The Company 's phone number is never answered, you don't get a valid signal, and I emailed three times but they never responded. This month I saw that the company had charged me again, in spite of all the emails, and still didn't send me anything. I called Comenity again, and they still said they couldn't help me, the only way that the company could have gotten the credit card number was from my giving it to them. I asked them to try the phone number, but they wouldn't, and I offered to forward the emails, but she didn't want them. She told me the only thing I could do would be to close the account, so I did. But Comenity will still be billing me for those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX
Product: Debt collection

-Violation of 15 U.S. Code 1692c - Communication in connection with debt collection I did not give permission to any debt collector to contact me -Violation of 15 USC 1681 ( 2 ) Exclusions ( 3 ) ( e ) - The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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. 
-Letters have been sent to my residence in which I did not authorize any information from my credit card, which by definition credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Source 15 USC 1602 ( l )
Product: Credit reporting or other personal consumer reports

I havent gave XXXX XXXX or XXXX the consent to obtain or furnish my information so under 15 U.S. Code 1681 B : Obligations with respect to disclosures of personal information. Now under 18 U.S Code 1028 A : Aggravated identity theft. This mean XXXX XXXX and XXXX are all in violation. Under 15 U.S. Code 6802 : Obligations with respect to disclosures of personal information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 ( or inquiries ) listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I was contacted about an item I had placed for sale on XXXX XXXX. The individual asked if they could send me the money through Zelle in order for me to hold the item. He then told me that I needed to check my email because for some reason the money was not going through. According to the email, because he was trying to send money from a business account to a personal account it would not go through unless there was a security of {$500.00} for the original {$300.00} transaction. He would send me the additional funds and then I would reimburse him. He asked me to call the phone number listed on the email, which I did. Long story short, he took the {$500.00} plus {$870.00} through four separate transactions for a total of {$1300.00}. I do not recall why he asked me to continue to send the money ( and I was stupid and continued to do so ). The money was transferred directly through my online bank account ( XXXX XXXX XXXX ) and sent to a XXXX XXXX. The amounts were taken from both my checking and savings account. I have contacted my bank, Zelle, and the local police department with no success.
Product: Credit reporting or other personal consumer reports

Every information on Experian is mixed up with my dad 's info, every info is incorrect. ( Credit score, opened credit cards, and total debt is mixed too, showing my debt and my dad 's debt together ). 
We have very similar names.
Product: Checking or savings account

on XX/XX/2022 I deposited a check in the amount of {$22000.00} dollars to Regions Bank. I was sent 2 emails that same date stating '' we are delaying the availability of {$5300.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. ". I received a second email that day stating " We are delaying the availability of {$16000.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. 
The funds of {$5300.00}. was not made available to me on XX/XX/2022. I went to the bank and spoke with one of the financial advisors and she said all funds were being held until after XX/XX/2022. I explained that is not what the email said and I did not receive another email stating ALL funds were to be held. She read the emails and could not comment on why the funds were not available to me as stated in the first email. She said she would speak with the branch manager and MAYBE someone would contact me. NO ONE CONTACTED ME AND THE {$5300.00} dollars are still not available to me
Product: Checking or savings account

Almost XXXX dollars was taking from me from out of my bank account with Wells Fargo to XXXX XXXX its fraud.. nobody is trying to help me.
Product: Student loan

I have student loans serviced by Navient, Account number XXXX. I have just started paying my loans because I have been underemployed and a single mom and not able to pay. During the time I was unable to pay, I requested a forbearance which was approved. However, my $ XXXX loan has XXXX of capitalized interest now. This seems excessive and now my principal balance is $ XXXX. I feel like I will never be able to be out of this debt.
Product: Student loan

I get repeated phone calls from different numbers related to the company I have my student loan through. Today, XX/XX/XXXX, I have already received 4 calls as of XXXX. Yesterday, XX/XX/XXXX, I received 6 calls for the entire day. They will also call me using different numbers either out side of my state or in my state.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.