23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Dispute of Inaccurate Information Under FCRA Sections 609 & 611 To Whom It May Concern, I am writing to formally dispute inaccurate information that is listed on my credit report. I am requesting an investigation and removal of any unverifiable or inaccurate information under the provisions of the Fair Credit Reporting Act ( FCRA ).

Under Section 609, I am requesting a copy of all documentation, including the original signed contract or agreement, that the creditor used to validate this account. Without this documentation, the information can not be verified and must be removed from my credit report.

Additionally, under Section 611, I request that your agency investigate this matter thoroughly. If the disputed information can not be verified as accurate within XXXX  days, it .must be deleted or corrected as mandated by the FCRA XXXX 


I request that you provide me with the results of your investigation in writing, as well as an updated copy of my credit report reflecting any changes. 

Thank you for your prompt attention to this matter. I expect a response within the legally mandated timeframe of XXXX  days from the receipt of this letter.
Product: Checking or savings account

XXXX ID # XXXX with first horizon bank. I had my wallet stolen along with my debit card. Roughly {$700.00} something dollars went missing from my account. I provided all information they asked for except police report number as XXXX XXXX police never gave me a report number. I made the report over the phone to the police and only received text confirmation that a report had been made. I have been in and out of the hospital dealing with health issues and have hardly had time to deal with getting my money back. The majority of which was taken out at ATM 's which have cameras and should be easy to see that it is someone else making withdrawals. All I want is my money back and to have whoever stole my money prosecuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was at camping world a week or 2 ago I was speaking with a sales associate about potentially buying a RV. I asked numerous times ( at lease 3 times ) if it was going to be a hard inquiry on my credit to which I received the reply I just talked with our finance director and he said its a soft inquiry. I check my credit about a week later to find multiple hard inquiries on my credit. They said because I signed a piece of paper I have them permission even though I was told numerous times it would not be a hard inquiry on my credit. They originally said I talked to 3 different people who warned me ( even though I only spoke with 1 individual ) that told me they would pull my credit, then they switched the story to well inform the employees at the location not to use the terms hard/soft inquiry. Obviously they talked to their salesman and found out he told me it was a soft inquiry and are trying to cover themselves. I have email proof from camping world. I also have witnesses that heard the salesman say it was a soft inquiry not a hard inquiry. I would like to have them marked as a company who runs credit without asking as well as have the hard credit inquiries removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have failed to clear inquiries related to fraud/identity theft on my Credit report that I have reached out to them twice with via certified mail over 30 days ago. I sent out certified mail to both bureaus in the month of XXXX, and XXXX to which they fail to notify me of results regarding my findings as well as refuse to respond to me. According to the FCRA XXXX and Equifax if they can not verify the inquiries where they came from where they have my authorization pertaining to my signature along with me stating authorized approval for these credit pulls they aren't allowed to hold these on my report. I will attach the following documentation that was sent to these bureaus below but it has also been over 30 days since either bureau has responded or got back to me and I am in the process of going for a home loan which this is severely hurting my credit. There has been over 5 unauthorized pulls on both these bureaus off my credit which weren't me I sent documents stating and proving it was identity/theft fraud and both these bureaus fail to get back to me and provide substantial evidence if so that these belong to me. I need the CFPB help in removing these fraudulent inquiries so that I can go for this mortgage loan that I am applying for because not only is it severely hurting my credit there is no factual evidence tying me to these inquiries and it wasn't me.
Product: Debt collection

On XX/XX/2017 I received a voice message for an agent ofHaris & Harris about a debt they claimed I owed. I did not recognize the company or any debt I could owe to them. I checked my credit report and it listed negative information. I sent the company a letter requesting information and have not gotten any responsive
Product: Credit card or prepaid card

I applied a XXXX XXXX XXXX on American Express which said there's a {$220.00} welcome offer through my friend 's refer link. And I know it is XXXX according to the public offer. So I apply the card through the link. When I finish the application there's a notification pops up said that the offer may not applied to me but further credit checking is needed. I assumed that maybe the banker need to check my credit history and change the amount of the offer which I'm also OK with it. So I click the " accept '' and wait the checking. However, when I received the card they told me there's no welcome offer eligible on my application because multiple factors like credit history, number of accounts open and closed recently or if I had the same card before. However I have never missed any payment on all my accounts which gives me a good credit score. I have never had this card before. And this is my 2nd or 3rd card at most in 12 months and 5th in 24 months. They even can't explain to me about what is the reason. However they said the offer needs more checking in the following process.
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report related to 15 USC 1681c-2. These inquiries were not authorized, and they are harming my credit. I request that you remove all unauthorized hard inquiries. Thank you.
Product: Debt or credit management

My XXXX credit card companies closed my accounts and forfeited the right to collect the debt and now collection agencies are calling me left and right so I was wondering if I could get this deleted off my report. XXXX lost and dont know what to do next. 



15 U.S. Code 1692c. Communication in connection with debt collection ( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such_debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Please remove the following items listed below : 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 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: Credit reporting or other personal consumer reports

The inquiries were not initiated by me and I firmly believe they are fraudulent. I implore you to conduct a detailed investigation and promptly erase them from my credit report.
Product: Student loan

FedLoan Servicing completed my PSLF review. I had consolidated my loans in XXXX. 

FedLoan Servicing discharged my loan for XXXX payments made to XXXX XXXX from XXXX. 

However, Fedloan Servicing did not count any payments made from XXXX XXXX to a prior servicer. I have been continuously employed by the XXXX XXXX  since XXXX. 

I believe I am entitled to have these payments counted and to be refunded payments over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was offered a XXXX ( now XXXX XXXX XXXX card in about XXXX with 0 % interest and {$4000.00} credit line while flying back from seeing my granddaughter in DC. This was heavily pushed by flight attendants. I applied and used it judiciously. Since that time they have raised the card from the introductory rate of 0 % to {$24.00} ( Variable ) reducing my limit without notifying me, and are charging an impossible {$68.00}. monthly interest. They reduced my limit in XXXX and charged me an over limit fee when I did'nt know it was reduced. I HAVE NEVER BEEN LATE ON PAYING THIS ACCOUNT. I have paid large payments on more than XXXX occasion. This credit practice creates the kind of consumer cycle of debt which nobody can get out of and occurs after a " bait and switch ' marketing approach. I am a senior, self supporting, work fulltime and pay bills on time. This is exactly the kind of credit practice XXXX can help intervene on. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX Fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 My only employer is XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Mortgage

On XX/XX/2020 the governor of Massachusetts shut down our state over concern about the COVID-19 virus. 

As a result my wife and myself were both laid off from our jobs. 

In early XXXX, Bank of America, being our mortgage holder, graciously offered us the opportunity of a three month payment postponement which we took advantage of ( see copy of acceptance attached ). 

The agreement states that " the three months postponed payments will be due at a later date, after the three month period has ended. XXXX will work with us on repayment options, including the potential option to add the payments to the end of our loan ''.

The three months have now passed and Bank of America is now threating foreclosure if we do not pay {$9100.00} in missed payments and late fees. XXXX was not serious on working with us on repayment options since they have the payment after the three months " payment postponement '' period. 

This agreement is clearly a scam on Bank of America 's part to collect late fees by delaying the payments required. 

This is also troubling since we are both still unemployed and risk losing your home. 
Additionally XXXX XXXX may be violating our Governors eviction moratorium by threatening us with foreclosure.
Product: Credit reporting

I have disputed this account time and time again submitting undisputable proof and only receiving the same results. This account is in violation of being deleted then place back on my report by changing the dates on the file. They are also only verifying the name and address with the grantor they are not taking into consideration the proof I have attached which shows that they made errors. The proof also show that the foreclosure was stopped by the courts and reconciled. Every account on my credit file is paid as agreed this account has hurt me tremendously.
Product: Credit reporting or other personal consumer reports

SBNASELFLNDR - Date opened XX/XX/2022 Account : XXXX I NEVER APPLIED FOR THIS ACCOUNT
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

Hello My Name is XXXX XXXX XXXX, This is concerning COMPLAINT ID XXXX I contacted the Treasury Department regarding the returned check that was sent from the citizens staff XXXX. 

I reached out to the Treasury office on XX/XX/XXXX XXXX Treasury office XXXX requesting more information concerning the returned check XXXX sent XXXX XX/XX/2024. 

I have reached out to XXXX from the citizens staff several times and she has not returned any of my phone calls which has left me to consider approaching another complaint. 

XXXX information will be on the documents that I will send along with other information such as check numbers account numbers anything that you may need that was sent to me prior to this complaint Information the Treasury Office requested Address the check was sent to The amount of the check Does the check amount match from the previous check amount listed on the document Check number Date the check was sent Tracking number of the check How was the check sent USPS XXXX XXXX Etc also When is the check expecting to arrive? The Treasury office would like to know also did the bank inform Social Security of what they were doing as well so my mom can get a critical payment because she's in the process of being evicted? 

XXXX did not provide any of this information to me and I am very upset because it's like a back and forth battle with her she should have known to release this information prior to our initial phone call after she was done with the investigation she called me and told me she sent the check back to the treasury and she did not give any information that I may need to help my mother get her money back.

I believe she is trying to sabotage my mother in her income because during our conversation I asked her did she want to speak to my mother to address any concerns she basically stated no, her reason was I do not want to speak to your mother because of the voicemail that she left me. XXXX stated she would not release any information to my mother. I feel like withholding this information was purposely done, my mother was upset like any person would be after a bank taking her money and holding it for several weeks at a time! If this is not understood I clearly do not understand what is going on in the world today and why Citizens Bank feel like they have the right of doing something like this to innocent people who did not mean to do no wrong by their company. 

All I'm asking is for citizens to cooperate and release information that I have asked for previously into resolve this issue immediately before I have to pursue a lawyer Thanks
Product: Checking or savings account

I have a business checking account, and someone withdrew twice, in the amount {$4900.00} and {$4900.00}, in the form of ACH, as a result I contact my bank, that said I only have 24 hours to report these transactions as fraud from the date of publishing, meaning I have less than 24 hours to handle everything, which I did, but then they are requesting 10 days to get back to me, and that is a lot of money from a vendor I never use. The transactions are by XXXX, that I have already reached out and wanted to give a warning, but they said I can do nothing with them, and that I would need the member who withdraw my money on the account to talk to them, and I was unable to report that as fraud with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX took XXXX points for a fraud account that I had to dispute then another XXXX points for the fraud account being thirty days pass due. I have since been notified that the fraud account was found to be fraud and closed and removed from my report. However the damage to my score has not been replaced to show that. I am in good styanding and back to the score it was before the fraud account was listed. They removed the account but have not returned my points
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the handling of fraudulent items on my credit report despite numerous attempts to follow up and resolve the issue. 

I have tirelessly pursued the removal of fraudulent items from my credit report, submitting multiple disputes to your agency and providing extensive evidence to support my claims of fraud and identity theft. Despite my persistent efforts and numerous follow-ups, these fraudulent items persist on my credit report, posing a significant threat to my financial well-being and reputation. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Checking or savings account

Citi bank has locked my account on XX/XX/XXXX. 
They told me that I need to wait for a letter with a reference number they are sending. 

On XX/XX/XXXX, I found out that they sent the letter to my old address. I've used my current address when I signed up for their account so I don't know how they even got my old address. 

So I call them again and they say I have to wait for the letter again. 

I've asked if the letter can be sent by next day shipping and I've also asked if I. Can go into one of their branches to get my money out and close the account. 
Nope. the only way is to wait another 7 to 10 business days for the letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report, which I did not authorize. I have no recollection of authorizing this inquiry or applying for any credit or services with the creditors on the date mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This misinformation started back on XX/XX/2020 with Equifax. XXXX XXXX reached out to Equifax and verified that a Chapter XXXX was unverified and should be removed from my credit file. This has gone on long enough, every time I contact them about this it starts this process from the beginning but with the same results of its being verified but XXXX  XXXX states thats its not with documents that was sent to all three bureaus and me .By Law this unverified information should have been removed last XXXX, Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i called portfolio recovery to negotiate a payoff for a XXXX $ delinquent balance on my credit report. we agreed that i would pay XXXX $ and my account balance would be XXXX $ and the delinquent item would be removed from my report. i recently checked my credit report and portfolio only subtracted XXXX $ from the balance leaving me with a XXXX $ balance on my credit report still. that was not the agreement we had.
Product: Student loan

The interest on my loans was raised to one of the highest the loan counselor at my university has ever seen. I 've been told that because I 'm in a loan repayment program I ca n't try to lower the interest. I 've also been told that if I were to request a lower interest that it might come back as higher interest and then I would not be able to decline that higher interest. What business operates this way?! I make my monthly payments ever month and yet go further into debt every month because of interest.