23daVinci/CFPB_Complaints huggingface dataset:
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 {$2100.00}, {$360.00}, {$320.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Credit reporting

I have been trying correct outdated information from my credit file for 3 years now. They have now locked all my access to my report. Transunion has now updated and deleted the outdated information ..Experian and Equifax have not. The following are wrong and outdated : Bankruptcy-XXXX, XXXX cnty XXXX-judjements XXXX andXXXX..and an old outdated XXXX XXXX. Please help me with this matter
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Date : XX/XX/XXXX Subject : Complaint Regarding Medical Collection Accounts- Wakefield and Associates To Whom It XXXX Concern, I am writing to formally file a complaint against Wakefield and Associates, Department XXXX, regarding XXXX medical collection accounts that I believe violate the Consumer Financial Protection Bureau 's ( CFPB ) regulations on medical debt collection. 

Account XXXX : XXXX. Account Number : XXXX Date of Service : XX/XX/XXXX Transfer Date : XX/XX/XXXX Opened On : XX/XX/XXXX Amount : {$1200.00} XXXX. Account Number : XXXX Date of Service : XX/XX/XXXX Transfer Date : XX/XX/XXXX Opened On : XX/XX/XXXX Amount : {$1300.00} Under the new regulations that took effect on XX/XX/XXXX, medical debt XXXX must wait at least XXXX year before placing medical debt on a consumers credit report. In my case, the first account was transferred within XXXX months of the service date, and the second account will also violate this law if reported before XX/XX/XXXX. 

I have previously disputed both accounts with XXXX and XXXX, and both times the responses indicated that the accounts " meet FCRA requirements. '' However, I believe these accounts do not comply with the current regulations regarding medical debt reporting. 

I will attach files from my medical bill, the conversation with the hospital representative confirming the transfer dates, and snapshots from my credit reports to support my claim. 

Suggested Actions : XXXX. I request that both accounts be deleted from my credit report immediately, as they violate the CFPB 's regulations. 


XXXX. If these accounts are not removed right away, please be advised that I am considering legal action for the full amount of the debts for every month they have been and continue to be on my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response. 

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

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I got a 6 months no interest card from Syncrony Bank, a Care credit  in XX/XX/2020 card due to an XXXX  XXXX  XXXX. I initially charged the card with about {$1600.00} and 2 months later about {$230.00}. The remaining balance, after the promotional 6 months offer was up, was about {$390.00}, XX/XX/XXXX. 
Now they are charging me about 32 % on that remaining balance, {$120.00} (!!!! ). I called the customer service and they told me that that amount is actually calculated on the initial balance. If I almost paid off the initial balance except {$390.00}, how does it make sense to charge me on the paid off portion, too?!?!?! 
I'm thoroughly disgusted by their predatory practices, to take advantage of someone, who needed medical help. I would be ok for them to charge me interest on the remaining balance of {$390.00}, but not on the initial balance I already paid off during the 6 months.
Product: Credit reporting or other personal consumer reports

Chase reported derogatory information to my consumer credit report. I am not responsible for the account reported on my consumer credit report. Chase has failed to send any initial communications to my address including debt validation information. I requested a copy of a signed card holder agreement and was sent a blank sheet of paper.i have attempted disputing the debt with the credit bureaus multiple times, only for Chase to claim the debt is verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$400.00} XXXX  XXXX {$490.00} XXXX XXXX {$87.00} XXXX   XXXX {$78.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with transunion about removing a unverified account on my report. They haven't provided me with any documentation on how the account is verified but they still keep updating it without any proper documents confirming that the account belongs to me. A certified letter was sent out XX/XX/18 again for the 5th time. You stated these items were " verified '' and reported correctly? Who verified these accounts and why havent i seen a copy of any original documentation ( a consumer contract with my signature ) as required under section 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( a ). Furthermore you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised also section 611 ( 5 ) ( A ) of the FCRA you are to promptly delete all information which can not be verified. I have the info deleted from one credit report ( XXXX ) and transunion should follow suit since they can't verify the account to be mine. I have included proof of the deletion from XXXX also.
Product: Payday loan, title loan, personal loan, or advance loan

To the Consumer Financial Protection Bureau : I am filing a complaint against Westlake Portfolio Management XXXX XXXX XXXX regarding an alleged debt that I believe is invalid and potentially related to a scam. 

Key points of my complaint : 1. The debt is associated with a program that I now believe was fraudulent, a service from a company called XXXX XXXX, which a group of people are currently organizing a class action against. 
XXXX. I have previously disputed this debt, but Westlake Portfolio Management XXXX XXXX XXXX claims to have verified it without providing adequate documentation. 
XXXX. The company has not provided me with a copy of the original loan agreement or detailed account statements. 
XXXX. They have locked me out of my online account, preventing me from accessing loan details. 
XXXX. The company has been contacting me 5-6 times daily via phone and email, which may constitute harassment under the FDCPA. 
XXXX. The company has contacted me under XXXX names throughout this experience, including " Covered Care, '' " XXXX XXXX, '' and " Westlake Portfolio Management. '' This indicates a lack of transparency. 

I am requesting that the CFPB : XXXX. Investigate the validity of this debt associated with fraud and the practices of Westlake Portfolio Management XXXX XXXX XXXX. 
XXXX. Ensure that the company provides full documentation of the alleged debt. 
XXXX Review their debt collection practices for compliance with the FDCPA. 
XXXX. Assist in resolving this dispute and protecting my consumer rights. 

Thank you for your attention to this matter.
Product: Credit reporting

I have contacted Transunion on many occasions about this problem. I have been paying on my auto loan since XX/XX/2014 have never been later. They have this loan as in Bankruptcy and like I never paid on the loan. I even sent Transunion a letter from the creditor. And this has never been fixed this has been going on for 4 months can you help me?
Product: Debt collection

I dispute any and all debts PORTFOLIO RC claim to be collecting on me. I want them to send proof of right to this debt. 
Send me proof : Copy of the application of credit as I need to see exactly what debt you are trying to collect. 
Copy of the cardholder agreement ( THE CONTRACT ) and any amendments as what this will show the terms of the contract are so I can see if you are following this in the amount you are trying to collect from me. 
Monthly statements from when I had a XXXX balance up to the final statement, because I need to see all the charges, payments, credit, etc... To compare this with the cardholder agreement and see if the amount you are claiming is correct. 
What is your authority to collect this debt as I have never done business with you? If you claim to own any debt you claim I owe give me the full purchase agreement so I can see if you really own this debt. 
Please show me that this is not a TIME-BARRED DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accrdance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish am account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the business remove the hard inquiry against my SSN at any credit reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.
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. 

Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX UNITED AUTO CREDIT CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Mortgage

On XX/XX/2019 at XXXX XXXX I sent a correspondence to XXXX at 360 Mortgage, Inc. I'd spoken to XXXX earlier that day after visiting the companies website to file a complaint about the service I was experiencing at the time. I've emailed this gentleman one more time since the initial correspondence and have not yet received an answer as to what went on with my loan application. My credit was pulled by the loan originator at this mortgage company. I have all correspondences to the gentleman and the loan officer including texts. The initial email correspondence read : " On XX/XX/2019 I reached out to XXXX XXXX regarding doing business with your company. 360 Mortgage, Inc. came highly recommended by a friend and colleague for possibly getting difficult deals like mine done. 

XXXX and I corresponded via email and text messaging and I submitted all the items requested as soon as possible. When she pulled my credit, I hadnt yet lifted the security freeze off of one of the credit reporting agencies, but did so immediately upon learning from her that she was only able to obtain two of them. I learned last week that she still hadnt obtained a report from the third agency and thats when it occurred to me that my application probably wasnt being processed. I have all text and email correspondences between she and I. Im not sure where things went wrong but Im perplexed at how business has been handled. 

Thank you for reaching out so promptly and if there are any other questions or concerns, please dont hesitate to contact me at any time. 

Sincerely, XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

On XXXX I disputed XXXX and it was updated some time later it was returned to the the original reason it was deputed, on XXXX again I deputed the names XXXX and again it was updated and then returned to the original reason I deputed it, on XXXX again I deputed the names and it was updated XXXX and again returned to the original reason I deputed it, on XXXX again I deputed the names and it was updated XXXX and then returned to the original reason I deputed it, on XXXX again I deputed the names and it was updated XXXX and again it was returned to the original reason I deputed, it I don't know why they update the name just when I'm not looking they put the deputed name right back
Product: Debt collection

After I and my superiors told numerous Employees at Integrated Recovery Services that I am not allowed to receive calls at my workplace, they persistently continued to call my workplace. They also leave messages about my private information on company voicemail. I also asked them to stop calling my personal phone. The employees at this collection company are being rude and lying about who they are in an apparent scare tactics. I have saved all voice mails from this company and they can be heard calling themselves attorneys and public defenders amid other threats such as garnishment and court. I have not received a single piece of mail from this company called Integrated services.
Product: Credit card

Chase Freedom, This is in regard to my account : XXXX which I have had 2 separate calls in XXXX with your agents to close the call. In both cases the agent confirmed that the account was closed. The agent said I would receive a letter that the account was closed on each call. Only the 2nd letter was received confirming closure. Additionally, the credit reporting agencies have subsequently received updates from you in XXXX reporting my account as still open, which is in conflict with the information confirmed by both of your agent. 

I have filed a complaint at Chase Freedom already based on the failure to close the account as reported with the credit bureaus, and have not received an update from that process with Chase Freedom. 

Please see attached police report with item in question listed by the XXXX police as fraudulent. 
" XXXX XX/XX/XXXX, " XXXXXXXX XXXX XXXXXXXX '' in the amount of {$130.00} '' The balance and related interest charge to this charge should be removed from my account immediately. 

Agents confirmed verbally in XX/XX/XXXX and XXXX on phone calls that the account was closed ( and should reflect as closed with the credit reporting agencies ). 

As a longstanding ( now previous ) customer of Chase Freedom, I am still shocked at the poor experience overall dealing with the fraudulent use of our account. Please review the entire set of calls dating back to early XXXX in regards to this case. A couple times, agents would ask the same question multiple times until they received the response they wanted vs. first response from the card holder. 

All attempts to remediate this fraudulent charge have been met with either automated or boilerplate responses.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I've found inaccurate and incomplete information This account was paid and closed but never late please update asap All three credit report are reporting inaccurate Such as 2 late 30 day late payment for XXXX Two 60 days late for XXXX for XX/XX/2019 and XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the credit bureau and MAILED them My identity theft report and identification and they STILL hav e or removed the fraudulent accounts and address from my credit report as well as inquiries. So now I am filing an official complaint against them as they keep telling me they dont have the documents which I had expressed mailed to them TWICE. So now I will put them through here as by FCRA laws they are to removed and block these items. 
I will attach all letters as well as list the accounts. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, a complaint with CFPB was filed. Equifax " verified '' accounts but not much changed. Eight months later, the same thing is happening again.

As per 15 USC 1681 604 Section 4, a consumer reporting " agency '' is not allowed to provide a report without obtaining my written consent ; I gave NO consent to Equifax to provide ANY information on the report.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make a consumer report furnishing the following items : any adverse item of information, other than convictions of crimes which antedates the report by seven years ; The attached files show Equifax in direct violation of that code.

As per 15 U.S. Code 1681n. - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Furthermore, the attached file shows multiple negative furnishings that were not consented to by the owner.

These are two errors on one file report, 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 reason to believe that information is inaccurate. 

XXXX continuously furnishes and updates reports without following FCRA guidelines and is in direct violation of the Consumer Credit Protection Act and civil laws. These reports are slanderous and damaging in nature.
Product: Vehicle loan or lease

I leased a car from Hyundai Motor Fin. at the end of the lease I turned the car in. They charged me XXXX excess mileage. However they closed the lease and stated that they will send me a payment plan for the mileage. I never received the plan and now they are reporting the car late each month when they have the car
Product: Debt collection

XXXX   XXXX ,  17 I have been paying on an account for the electric company that was sent to AARGON Collection Agency. The last statement they are now charging {$32.00} as a line Item of Interest. Amount Owed listed as {$400.00}. Total Balance now is {$ 440.00}. I do not know why they are trying to collect interest and at this rate how do you ever pay off the balance? Seems extremely high.