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 {$10000.00}, {$7900.00}, {$2800.00}. 
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 ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2800.00} -This is not my account.
Product: Credit card

I was charged {$980.00} to my credit card account on XX/XX/XXXX, from XXXX XXXX # XXXX XXXX, XXXX. 

The charge is in error because I returned the purchased item, but the merchant instead charged me an additional {$980.00} instead of issuing a refund. 

On XX/XX/XXXX, I purchased a bracelet from XXXX XXXX for {$980.00}. I returned the item on XX/XX/XXXX, and the seller promised to issue a refund. Despite repeated requests and attempts to resolve the issue directly with the merchant, I have not received the refund to date. 

Additionally, I filed a claim with XXXX on XX/XX/XXXX regarding this transaction ( XXXX XXXX XXXX XXXX XXXX. Despite the Bank stated the issue resolved, the disputed amount of {$980.00} remains outstanding on my account balance.
Product: Debt collection

I was recently contacted by Citizen Bank about a student loan from XXXX. I became severely ill and was unable to continue with my secondary education at which time I had to file bankruptcy XX/XX/XXXX. The company was notified of the bankruptcy, chose to not dispute the bankruptcy filing which was discharge dated XX/XX/XXXX. The company XXXX called me on there behalf today and stated I have a outstanding debt. 

I informed the company in regard to the filing and discharge. I was informed this is a student loan and not dischargeable. I informed the company it was a private student loan and they had opportunity to dispute filing in XXXX but now they want to try and bill me while being on out on Social Security Disability. 

I asked them to not contact me anymore and to review the filings submitted to them the rep was very rude and would not listen to me in this regard.
Product: Vehicle loan or lease

Santander gave XXXX XXXX a fraudulent loan. Car purchase price was {$13000.00} and I put {$2500.00} down. However Santander charged me for a loan at XXXX. I could not afford a loan that high at 21 %
Product: Mortgage

I received and accepted an offer on a condominium in XXXX XXXX XXXXXXXX on or about XXXX XXXX, 2016. The closing was scheduled for XXXX XXXX, 2016. I was asked on XXXX XXXX, 2016 to give the closing agent a two week extension, which I granted. XXXX XXXX, I was asked for another 2 week extension, as the closing agent had been unable to acquire the Assignment document and number from the mortgage servicer, OCWEN Loan Servicing , LLC of XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. My account number with OCWEN is XXXX. I spoke with the closing agent yesterday and was informed that OCWEN had asked for another 48 hour extension to provide the information. My buyer is about to withdraw the offer due to the delays. Can you help me in obtaining the required documents.
Product: Debt collection

Lockhart, Morris, and Montgomery have failed to provide verification of debt. They have uploaded an affidavit not signed by me stating that the debt is mine. An affidavit is not proper verification of a debt. Proper Verification of Debt would be the Promissory Note with my signature and XXXX as the original lender. They have failed three times to provide the contract between me and XXXX as they state exist. Please upload the a contract between me and united first federal. DO NOT MAIL SUCH DOCUMENT TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List o f accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.
Product: Debt collection

Account # XXXX Placed in Collections XX/XX/XXXX I reached out to this company in XXXX of XXXX. I requested an original invoice, debt validation letter as well as any other information that prooves I indeed owe this amount to them or the original creditor. They did not furnish this information. I have only 1 account with XXXX  XXXX and it is in good standing and open right at this moment.
Product: Debt collection

Dear National Credit System I recently obtained a copy of my credit report from your agency and found the following item to be in error : I dispute the unpaid balance on {$570.00} account number XXXX. This account has been more than seven years. It is too old be shown on my credit account. 

I am requesting that the item be removed to correct the information. 

Enclosed are copy of statement of original transaction date supporting my position. Please investigate this matter and correct the disputed item immediately. 

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

There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your timely response to my recent complaint. In your letter your stated that I have a right to : Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by her to whomever has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a chargeoff on my credit report, which means theyve written it off on their taxes and have sent me a 1099 which they have not. They have stated that I owe a balance and the insurance company has paid it off.
Product: Credit reporting or other personal consumer reports

The following addresses are a result from fraud and identity theft. the following addresses and variations are NON MAILABLE ADDRESSES and inaccurate information. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the correct address is : XXXX XXXX XXXX XXXX, XXXX DUE TO THE INACCURACIES, THE CREDIT REPORTING AGENCIES ARE FAILING TO REPORT MY AUTO LOAN WITH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX. I have submitted a dispute with XXXX, and other credit agencies, and they have failed to remove these false reports from my credit. I never had a late payment with XXXX, and in fact the reason this happened was because of a vehicle trade in. The dealership took a little while to get the payoff to XXXX, so in turn it made it seem like I still had the vehicle, and wasn't making payments on it. This is as far from the truth as it can be and I wrote a letter to XXXX as well pleading with them to remove this inaccurate reporting. I have submitted letters, and disputes online, and I have not had any resolve. Please help me in this as this has substantially affected my ability to get a loan, and other credit. The dates that XXXX has on my credit report are from XXXX, and XXXX of XXXX, and XXXX, and XXXX of XXXX showing as late payments. XXXX is reporting that I had 4 late payments total. This is false information and also false reporting. Please help me so that this can be removed and hold XXXX accountable for affecting my credit score with this false reporting. Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions with no help. I didnt authorize the pull of my credit from any of these companies listed below XXXX XXXX-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to collect fees and invoices bills statements that are pending Class actions law suits. 
C # XXXX C # XXXX LB C # XXXX Sunrise credit services , Inc is defrauding me Sunrise credit services needs to cease and desist any and all void remove any and all collections and derogatory collections attempts and reportings to all credit bureaus XXXX XXXX XXXX XXXX Immediately
Product: Credit reporting

In XXXX, When my husband and I build our first house we ran into a snag when they found on my credit report someone else 's info. She had the same name as I and we lived in the same town. My husband worked hard to get her info off so we could close on our home. In XXXX we got divorced, my credit only had slow pays on did due to financial problems of divorce. In XXXX, I had to refinance my home, when my credit was run I found Experian had put this person back on my credit report SS number, address, bankruptcy, we went to same Dr 's Hospitals, etc. My SS # was also on this report dated XXXX actually there were XXXX SS # 's on it. It also shows a bankruptcy, I 've never had one, and this still shows on my report today. When I reported this report, They told me to prove it was n't my info. I had pulled my CR from the other XXXX companies and their reports were right and had half the info, I asked them how come those were right and Experian were wrong, where did they pull those SS # 's from. They still insisted I fix this. In the mean time I had to refinance my house at a higher interest rate 7.9 because I could not get all this cleared up in a timely manor. It 's at least XXXX or more problems not XXXX or XXXX. I worked XXXX jobs and a single Mom with a small XXXX son, there 's no time to hang on a phone. The only help they offered was to quickly remove the wrong SS #. These errors have followed me for years. They have ruined my credit, forced me to pay cash, not letting me establish credit, purching cars at extremely high rates, or for cash only. My bank stopped giving me small loans because they thought I defaulted on my loans. She and I banked at same credit union. That was n't me!! It was the other person, she filed bankruptcy!! They need to be held accountable!! Now I see debt that should have been removed years ago showing derogatory until XXXX? I have all my old Credit reports showing there errors. I thought they were formed to protect us not to hurt us!!
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX, XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX, XXXX ) Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date : AV : XXXX XXXX /Opened XXXX XXXX Credit Limit {$1500.00} High Balance {$99.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Date AV ; XX/XX/XXXX Opened XXXX Balanced Owed {$400.00} Credit Limit {$1500.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


Collection Account : XXXXXXXX XXXX Account Number : XXXX Date AV : XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$2500.00} Credit Limit {$3000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : US Dept.of Education/XXXX Account Number : XXXX Date AV XXXX XXXX Opened XXXX Balanced Owed : {$31000.00} Hig Balance {$24000.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Collection Account : XXXXXXXX XXXX Account Number : XXXX Place in collection XXXX XXXX Last Verified XXXX XXXX {$1200.00} Placed in collection XXXX Last Verified XXXX, XXXX {$880.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2023 XXXX XXXX URGENT! Removal of Unauthorized Medical alleged Debt Account To whom this may concern, I write this letter to you with utmost urgency and frustration regarding the outrageous violation of my rights. It has come to my attention that your organization is shamelessly and unlawfully reporting certain accounts to XXXX, Equifax, and XXXX. I must emphasize that this is a clear breach of trust and a flagrant disregard for the law. I demand your immediate attention to this matter and insist on the swift resolution of this outrageous situation. 

Let me be unequivocally clear : unless you can provide me with concrete evidence that I have explicitly granted XXXX XXXX XXXXXXXX or XXXX XXXX XXXX permission to disclose any of my medical information to XXXX, Equifax, or XXXX, I demand the complete deletion of the following accounts from your records : Account number : XXXX Amount : {$4700.00} Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ), I possess the unequivocal right to safeguard the privacy of my personal information and medical records from being exposed to third-party reporting agencies. This law exists for a reason, and I will not tolerate its blatant violation by your organization. 

Moreover, in accordance with the Fair Credit Reporting Act ( FCRA ), I reserve the right to demand validation of any debt being reported to credit bureaus. 

Therefore, I insist that you promptly furnish me with comprehensive documentation containing all information you received from the service provider regarding the alleged debt associated with the aforementioned account. Failure to comply with this demand will only further expose your organization to legal consequences for your blatant noncompliance with federal regulations. 

You have an immediate and non-negotiable deadline of 30 days to respond to this request. Should you fail to provide the requested documentation within the stipulated timeframe, I will have no choice but to consider the aforementioned debt null and void. In such an event, I will not hesitate to escalate this matter further, demanding the immediate removal of these unlawfully reported accounts from your reporting agency. 

This egregious violation of my rights and the willful disregard for the law can not and will not be tolerated. I demand nothing short of your immediate attention and swift action to rectify this outrageous situation. Failure to do so will leave me with no alternative but to seek legal recourse and hold your organization accountable for its blatant misconduct. 

I expect and demand your prompt and satisfactory response to this matter. I will be monitoring this situation closely, and any further delays or inadequate responses will only escalate the severity of the actions I will pursue against your organization. 

Consider this an ultimatum and an opportunity to rectify your actions before more serious consequences befall your organization. 


Best Regards, XXXX : XXXX Agent/ Beneficary Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and I do not have a contract with PORTFOLIO RECOV ASSOC plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$380.00}
Product: Mortgage

XX/XX/XXXX XXXX, North Carolina Dear CFPB I need your assistance. 

My rental Mortgage is with the XXXX XXXX XXXX. It is a Conventional Loan with Escrows. 
My Hazzard Insurance Company is XXXX XXXX. 
It came to my attention that my Hazard Insurance was not renewed on time in XX/XX/XXXX due to the fact that my insurance company didnt receive payment from XXXX XXXX XXXX form escrow account. 
XXXX XXXX XXXX charged me {$36.00} for a forced insurance. 
I dont think it is fair that I have to pay for their negligence. 
Please help me! 

Summary : In XXXX, XXXX I received a letter from XXXX XXXX XXXX date XX/XX/XXXX, XXXXin reference to the Hazzard Insurance for my rental property located in XXXX XXXX XXXX XXXX, NC XXXX. 
This is a Conventional First Mortgage with Escrow. 
The letter Exhibit A informed that their records show the hazard insurance has expired, and we do not have evidence that I have obtained new coverage. 

On XX/XX/XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX and spoke with XXXX, he transferred me to the Insurance Department. The Insurance department said the issue was for a gap period of XX/XX/XXXX to XX/XX/XXXX and they needed a proof that the house was insured for that period. 

On XX/XX/XXXX I called my insurance Agent XXXX XXXX ; he did research and called back informing that in fact it was a gap of insurance from XX/XX/XXXX to XX/XX/XXXX because they didnt received payment on time for the renewal. 

On XX/XX/XXXX at XXXX I called my Lender XXXX XXXX XXXX XXXX XXXX and spoke with XXXX He replied they sent the check but it was returned, so they sent a second check. 
And he will call my insurance agent to do a follow up. 

On XX/XX/XXXX at XXXX I called and spoke with XXXX and said their resolution still the same, it was an insurance gap and for this they will move forward charging me {$36.00} for a force insurance. 
I said, my mortgage is escrowed and I shouldnt be paying for a forced insurance if your company sent the check to wrong address and or without sufficient time to discover errors. I ask for a proof they sent the payment on time. 
Their reply was, we will move forward with the charge of {$36.00} if you cant provide a proof that the property was insured during that period. 

In XXXX I received a letter dated XX/XX/XXXX Exhibit B Saying they cancelled the Insurance Coverage we ordered from XX/XX/XXXX to XX/XX/XXXX and a charge of {$36.00} was imposed. 
It is ridiculous that they even can purchase an insurance for an event in the past! 


XX/XX/XXXX I received a letter dated XX/XX/XXXX informing the {$36.00} was deducted from my escrow account Exhibit B Please I need someone to help me. This is not fair and I feel this is an abuse. 
Thanking you in advance for your time and assistance, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.