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

I am writing to formally dispute the inclusion of a Closed fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the Equifax data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : XXXX First Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING LLC still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on the following accounts : LVNV FUNDING LLC XXXX Balance : {$680.00} ; LVNV FUNDING LLC XXXX Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, You all are furnishing inaccurate personal information on my consumer report. Please see my attatched dispute to correct my personal address being reported. Only the address you see on my drivers license should be reporting nothing else. I will attatch a copy of my drivers license as well. I also would like a copy of my consumer report after you delete the address you have on file and update my correct address.
Product: Checking or savings account

To Whom It May Concern, I am writing to formally address the ongoing issues with my account regarding a fraudulent withdrawal of {$61000.00} on XX/XX/year>, at a Chase Bank branch in XXXX. Despite repeated attempts to resolve this matter, Chase has continuously denied my claims, even though I had absolutely no involvement in this unauthorized transaction. 

Initially, I reported the issue to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  in XXXX, where I spoke with the branch manager, XXXX, and a supervisor on duty. The supervisor confirmed that the signatures on the transaction did not match and acknowledged it was clearly a case of fraud. I was advised to file a police report, which I promptly attempted to do. 

The process of obtaining the police report became unnecessarily lengthy, requiring me to go between precincts and eventually submit paperwork to XXXX XXXX XXXXXXXX. During this time, Chase prematurely closed my case, falsely stating that I had approved the withdrawal via text message. This is completely untrue, as I never received such a message. A Chase representative even confirmed this during our discussions. 

Once I finally obtained the police report, I returned to the XXXX branch to work directly with XXXX, who agreed that I was not at fault and attempted to reopen the dispute. Recently, I submitted the police report with the required seal, only to be told that Chase has finalized its decision against me. I even received an email accusing me of authorizing the withdrawal myselfa baseless and deeply offensive accusation. 

Chases stance on this matter has been inconsistent and evasive. Initially, I was told the funds were withdrawn at a branch, then that the money was electronically wired, and now the claim is that it was withdrawn again. Furthermore, I have repeatedly asked for proof of the individual who committed this theft, such as a photograph or documentation, but Chase has failed to provide this information. This lack of transparency and accountability leads me to feel that Chase is actively denying my rightful claim and refusing to return my stolen money. 

This situation has caused me significant stress and has negatively impacted my health. As someone who already suffers XXXX XXXX  XXXX XXXX and a XXXX XXXX requiring a XXXX, the emotional toll has been devastating. 

I am requesting that Chase review this matter thoroughly and take immediate steps to resolve it fairly. The banks mishandling of this situation is unacceptable, and I will not rest until justice is served. 

I trust that this letter will prompt Chase to take the appropriate actions to address my concerns. Please contact me directly at ( XXXX ) XXXX or XXXX should you require further details or documentation. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX Balance : {$420.00} ; U S DEPT OF EDXXXX XXXX XXXX XXXX {$38000.00} XXXX U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as Bayview Solutions, LLC. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on Bayview Solutions, LLC - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on Bayview Solutions ( which I listed below ). Also, in researching Bayview Solutions it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX. 

BAYVIEW SOLUTIONS, LLC, XXXX XXXX FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.
Product: Credit card

On XX/XX/year> I received a notification on my bank that my credit score went from XXXX to XXXX and when I checked the credit report, someone had opened a credit card line without my consent/authorization from TRUIST BANK . I reached out the bank, they never resolved the issue, I even reached out some members from their administrative office and they only referred me to a phone number which I called, I was requested to provide a police report, I submitted and them my case hasnt been solve yet. My credit hasnt been fix from this issue and the bank didnt even respond to my request to check on the process for the dispute. 

On my credit report from the credit bureau one of the addresses was from Florida which I have never been or lived before. To clarify, I NEVER HAD ANY ACCOUNTS OR BUSINESS WITH TRUIST BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  showing late payments asked kindly to display show burden of proof data furnisher has not shown me statements, situation was fixed a month ago, and they repudiated the account to late after I proved them that I had a binding agreement for payments to be shown as payed and current. 

XXXX XXXX showing XXXX late payment, please update account I payed on time last month XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( aX1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) ) n I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( aX1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX  XXXX CA, XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
I don't recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report thank you
Product: Money transfer, virtual currency, or money service

pay pal closed my account with no reason at all after i had provided them with all the necessary document required
Product: Mortgage

We are a HUD approved foreclosure counseling agency and we are working with a client to try to get her loan modified. We submitted a work out package and have had issues from this company in getting this file for review, giving us one excuse after another as to why this is not moving forward. At one point I was told by one of the representative that it was not unusual that it was taking so long that it could take up to a year ( a prior complaint was sent on this company to CFPB ). We recently received a denial letter stating client did not qualify for any modification program. They listed the NPV test that failed, as the reason for their denial stating that they could not come up with a payment within the program guidelines. This was for both their standard modification and the Home affordable modification. After reviewing their denial letter and the vague explanation for denial I proceeded to perform my own calculation using the figures they had provided. I also performed another NPV test again using most of the information they provided and the result form the NPV test I performed was positive and it state the client may qualify. My concern is that this file is a rather difficult file since the client has rental income as her primary source of income and other outside the box issue that this company did not do a accurate and complete review of this file. I believe a experience and knowledgeable underwriter needed to be the one assigned to this file as they would have been better equipped to understand how to underwrite. Also looking at the way this file started and the issues we have had since the inception of this review, I question the commitment this company has had to truly assist this client. I feel that it has been demonstrated through their action that they may have used whatever excuses to deny my client instead of working to approve.
Product: Checking or savings account

Received a notice dated XXXX XX/XX/XXXX saying the they were going to close my account. I called the number listed on XXXX XXXX and left a voicemail to an account that said I'd receive a call back by the end of the next business day. Received a call on XXXX XXXX from XXXX saying they had questions about transactions and referenced telling me something from XXXX of XXXX. I don't know what they were referencing and wanted to know what they had questions about. Was accused of being combative for asking and would like the conversation reviewed by you. They also requested Bank of the West to close the account I have with them - with no reason.
Product: Mortgage

My loan is set up for automatic payments from my checking account. On XX/XX/XXXX, when my payment was due, Mr. Cooper shut down their systems due to a cyber attack. They have been uncommunicative other than non-answer information on their website. Their messaging system to ask questions or file complaints is no longer accepting any messages. I originally asked them if I was paying interest on a higher balance than would have been the case if my payment had been processed on time. They have not answered. Since this was not my fault, I feel that Mr. Cooper should date my payment made to XX/XX/XXXX and charge me interest on the balance that would have been accurate on that date had they processed my payment as they should have. They are now showing that my payment is scheduled for XX/XX/2023 and that no payment was made for XX/XX/2023.
Product: Checking or savings account

my account was hacked PNC, in XX/XX/XXXX to XX/XX/XXXX I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting. now my account is overdrawn by {$1100.00} which was the provisional credit they gave me but I took out leaving the account on {$0.00} because I don't trust this bank now they took back there provisional credits now it remains {$1100.00} overdrawn please help and that's not all I disputed should have been about {$3500.00} returned to me but the only let me get {$1100.00} then took that back I'm living check to check I need all my money
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, 1990, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. Please be advised that Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX