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

I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with Regions Bank XXXX Upon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft from my information being exposed in multiple data breaches. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : XXXX XXXX- Account # XXXX ; {$5900.00} XXXX XXXX-Account # XXXX ; {$1300.00} To substantiate my claims, I have attached copies of the following documentation : XXXX. **XXXX XXXX Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. XXXX. **Police Report** : Filed with XXXX Police Department XXXX XXXX further evidence of the identity theft incident. XXXX. **Proof of Identity** : Including a copy of my passport and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX  and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off XXXX. Specifically, Section XXXX ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information XXXX. Additionally, Section XXXX ( a ) states that furnishers of information ( like lenders ) must not report information identified as resulting from identity theft unless they know or are informed by the consumer that the information is correct XXXX. If an account has been charged off and is fraudulent, it should be removed from your credit report once i provided the necessary documentation, such as an FTC Identity Theft Report and or a police report. I appreciate your immediate attention to this matter and request written confirmation once the corrections have been made. Thank you for your prompt cooperation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX Subject : Request for Reinvestigation Regarding Unlawful Reinsertion of Deleted Information Dear EQUIFAX, I am writing to formally request a reinvestigation concerning a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA outlines the specific procedures and requirements for the reinsertion of any deleted information, which appear to have been disregarded in this instance. 
Background On XX/XX/XXXX AND XX/XX/XXXX the following information was removed from my credit report : Creditor 's Name : XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX Upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification.

Specific Violations According to Section 611 ( B ) of the FCRA, any reinsertion of deleted information must be accompanied by : 1. Written Notification : A written notification must be provided to the consumer within five business days of the reinsertion.

2. Certification : The information provider must certify that the information is complete and accurate.

In my case, I did not receive any notification or corresponding certification, which constitutes a direct violation of the FCRA.

Request for Immediate Action I kindly request that you : 1. Immediate Removal : Immediately remove the reinserted information from my credit report.

2. Detailed Explanation : Provide a detailed explanation of how and why the information was reinserted without following the stipulated procedures.

3. Preventative Measures : Take necessary measures to prevent future improper reinsertions. 
Additionally, please be advised that I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions if this situation is not adequately and promptly addressed. 
Contact Information Please contact me at your earliest convenience to confirm receipt of this letter and provide an update on the steps being taken to resolve this matter. 
Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Thank you in advance for your prompt attention to this critical matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a notification from XXXX XXXX about a hard inquiry made on my Equifax and XXXX credit reports. I immediately called XXXX XXXX to make a complaint, but I shuffled around to multiple departments and ultimately told I had to write a letter to them ( XXXX XXXXXXXX ) about the fraudulent credit card application. I then called Equifax and XXXX and I was told a different process ; they said I had to write a letter to them, along with a letter of " deletion '' from the creditor. However, when I called XXXX XXXX back to inform them of this information, they insisted that they do not provide such letters to people. I called XXXX XXXX back again and I was told by a representative in the fraud department that they'd report the fraudulent inquiry back to the credit bureaus and that I would have to wait 30-60 business days for it to be removed. I tried filing three fraudulent disputes with Equifax : one on XX/XX/XXXX ; XX/XX/XXXX, and XXXX. All three were determined to be " verified as accurate, '' which means it was done by me, and that's a completely false finding. My credit score has dropped significantly due to this fraud. I have been unable to receive any assistance from XXXX XXXX ; they won't even tell me what's on the application per their " policy. '' This credit inquiry is completely fraudulent! It should be removed immediately if XXXX XXXX reported it promptly to the credit bureaus.
Product: Credit reporting or other personal consumer reports

The info being reported on my consumer report is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant is against XXXX and XXXX  XXXX XXXX ( XXXX ) XXXX is reporting 5 accounts on my XXXX account that I have no knowledge of. I have  contacted both companies and neither company has provide me with the information to identify the outstanding balance and that the account are mines. XXXX has continues to ignore my request. They stated off by saying my letters looked suspicious, I called and let them know that I wanted the account disputed. Now they are telling me they would not re-investigate without proof. How can I prove an item is not mines. What prove will I have. This doesn't make any sense to me. If they say the account have been verified, how was it verified. What information was provided. I have requested documentation from XXXX and all they provide was a list of the accounts. 

XXXX  and XXXX has remove the account because XXXX didn't verify the account but XXXX is claiming the account were verified. 

I feel that XXXX feels I am working with a credit report company and is not taking my request serious. i have researched and know my rights.
Product: Credit card or prepaid card

This complaint is for the Apple Card issued by Goldman Sachs Ive had the card since it first launched and never had any issues. I woke up on the morning of XX/XX/22 to see an email that my account had been closed. No reason disclosed and I was told to wait for the letter or contact XXXX of their representatives. My account wasnt past due, I didnt violate their Terms & Conditions, and I was not over the credit limit. Contacted their support and was told they can not disclose the reason due to privacy. Then was told to reapply again. I was transferred to their supervisor and was told he would email the reason to me and to reapply again. Never received this email that supposedly was going to contain steps to reopen my account. 

Fast forward to XX/XX/22, I finally got the letter. The reason for closing my account? Apparently per my request. I have never contacted their support to close my account. This needs to be fixed and my account reopened. I did not request to have my account closed and its not right that their only resolution is to have me reapply again. I should not have to do this since this a mistake on their end.
Product: Student loan

Hello. I have an account for federal XXXX loans. I applied for XXXX in XXXX and have not been able to get any information on my qualifying payments or the status of my loan. Every time I call, I get different information from each person.
Product: Debt collection

XXXX XXXX XXXX Last reported XX/XX/year> {$890.00} unauthorized transaction/ fraud inccorrect information
Product: Student loan

Fedloan Servicing is still showing my account as open when in fact my loan was transferred to another servicing company. Now on my credit report both accounts are showing on my credit report as if I have all of this debt when I don't.
Product: Debt collection

We received a letter from Wells Fargo indicating we owe a debt on a credit debit card that we had paid off and closed almost 10 years ago, XXXX I believe. This letter was sent out XXXX XXXX and it we just got it XXXX days ago I did contact customer service I was transferred quite a few times and by the time I did get to someone the woman pretty much said all this is what she oh, there was none. None of them looking into it, they wouldnt let me talk to anyone above to find out what exactly was going on there just indicating no it wasnt paid when I know for a fact, me and my husband did paid off because we were XXXX off because we had to give our income tax to pay it off, and we close the account and still existing. We all this money I will not pay money that we are not obligated to pay if the account was already paid off, I remember precisely we did pay it off because we were so upset. It is a reason we left Wells Fargo because of charges that didnt make sense or add up and we never got payment back for it we just close it. We were done with them so I dont understand why theyre sending some this form now when this was a XXXX XXXX situation makes no sense and it sounds pretty sketchy. The letter itself is quite unprofessional. Theres no full account or credit card number. Mind you because we closed this account almost 10 years back. I dont think this is right I will not pay for something we do not owe
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Its has become obvious through disputes that a XXXX XXXX  has not only lost previous payments but they are also reporting false information depending on what they decide is correct. When given the correct amount on the account of {$2600.00} they incorrectly updated the account. This was after reopening the account and trying to make changes after a previous CFPB dispute where they had been caught providing false information. With the assistance of the credit reporting agency they have continually manipulated the filed and reported it at FCRA standards. Attached you can see there recent attempt to change the file again. After already Reporting it at FCRA STANDARD. You will also see the mail showing they dont have any payment history and are lost at where it is..
Product: Debt collection

XXXX XXXX # XXXX : XXXX XXXX XXXX I have received two checks from USAA Federal Savings bank. There was no explanation of what they were for, how they were calculated, or what issue they were intended to rectify. A representative from USAA identifying himself as, XXXX, attempted to contact me on my cell phone and left a voicemail. I have repeatedly told representatives of USAA not to call me on my cell phone. Is he even supposed to be contacting me personally? The checks sent do not cover the expenses that I have requested in my previous complaints. I have enclosed the documents for the extra expenses I was forced to incur on the advice of the USAA representative I had spoken to on XX/XX/2018 at XXXX CST.
Product: Credit card or prepaid card

I have been trying for several weeks to pay my Comenity Bank Victoria 's Secret Credit Card Bill. I have been locked out of my account, which can only be unlocked if I provide by account number. When I called to ask for my account number, I was told I should look on my statement. However, I was signed up for e-Statements which I could only access through the very account I was locked out of. 

Through some investigation and searching around, I was finally able to locate my account number and schedule a payment, only to find that I had been charged {$69.00} in fees on a {$90.00} balance! The total fees is over 75 % of the amount actually charged to the card at a time when they refused by attempts to get into my account to pay my bill. This is absolutely predatory, the fees should be refunded immediately, and they should fix their system to allow alternate ways to access statements, such as embedding in email or allowing two factor authentication to access accounts like many other financial services do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 THERE WAS AN INQUIRY ON MY REPORT I DID NOT RECOGNIZE.
Product: Debt collection

I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from SYNCB, XXXX XXXX XXXX XXXX, reported in XX/XX/2020. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.
Product: Credit reporting or other personal consumer reports

I was alerted by my credit card with Chase Bank that my credit score dropped XXXX points. When I checked to see why, I noticed that XXXX different banks conducted credit checks on me, none of which I requested. They were all conducted on XX/XX/XXXX. I tried to contact XXXX  XXXX XXXX several times and was told by an automated recording that " due to extenuating circumstances we are unable to help you right now. '' I spoke to someone at XXXX  XXXX and they were unable to help me because I don't have an account with them ( that is part of the problem, why are they running a credit check on me if I don't have an account with them ). At that point I stopped trying to call banks because none of them would help me. I froze my credit on all three credit bureaus and asked for a fraud alert to be put on my account for a year. I need these fraudulent inquiries removed from my report so my credit score can go back up. I used to have excellent credit. 

To summarize, on XX/XX/XXXX, the following banks conducted unauthorized credit checks that were not requested by me : XXXX. " XXXXXXXX XXXX XXXXXXXX '' XXXX. " XXXX XXXXXXXX XXXX  '' XXXX. " XXXX XXXX XXXX '' XXXX. " JPMCB CARD '' XXXX. " XXXX XXXX XXXXXXXX '' XXXX. " XXXX XXXX '' They all have a removal date of XX/XX/XXXX. 

Lastly, my personal information was compromised in a data breach from my employer this past XXXX. Yesterday I received a letter from Chase Bank ( a company with which I have a credit card ) stating that they declined an application from me because they are concerned that someone is using my information fraudulently.
Product: Credit reporting or other personal consumer reports

This company is in Violation under 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/invalidated credit information and 15 U.S.C. 1681e ( b ) - compliance procedures maximum possible accuracy.

Recently my credit was checked and i was denied credit which cause severe XXXX. I found unverifiable, invalidate, inaccurate and questionable items that was not found to be reporting 100 % correct. Under 15 15 U.S.C. 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S.C. 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX - XXXX, please remove this inaccurate item.
Product: Credit card or prepaid card

I paid off a Capital One Credit card account in full prior to my due date, was charged interest and late fees on a XXXX balance and may have had a negative impact to my credit score. Capital One did not contact me to resolve this matter. 

I paid the account off in full prior to my closing date in full prior to XX/XX/XXXX, the due date and closed the account. {$6000.00}. At closing the balance reflected was XXXX. 

Without contacting me via text or email, my primary means of communication, Capital One charged XXXX months of late fees and interest, writing my account off as doubtful in XXXX. Only by opening physical mail from Capital One that I assumed to be marketing material did I learn about this. 

I have never made a late payment and have an XXXX+ credit score as of writing this. I closed the account in good standing with a XXXX balance and made a large payment to do so. 

XX/XX/XXXX - Balance Paid XX/XX/XXXX - ( due date ) Account closed and autopay cancelled - XXXX balance indicated XX/XX/XXXX - First interest charge incurred XXXX - XXXX - Additional interest XX/XX/XXXX - Account written off