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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these Convergent Accounts listed below has violated my rights : 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 XXXXXXXX
Product: Debt collection

I have disputed these debts with XXXX, XXXX and XXXX 2 times without success in XXXXXXXX  & XXXX The following collection : Amsher Collection Serv {$150.00} They never answer my dispute do not agree with the answer since they are not my collections.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
I demand that the following account be validated or DELETED from my Experian Credit report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX I noticed that there was a pending charge on my account. I tried to dispute the amount immediataley, but Chime doesn't allow consumers to dispute charges until they post. When I charge posted, I reported and disputed the charge about XXXX on XXXX XXXX. The morning of XXXX XXXX, less than XXXX hours later, they denied my claim. The amount in question is for {$73.00}. I did not make this purchase. According to Chime representatives who I spoke with on the phone on XXXX XXXX, around XXXX to XXXX, my debit card number was manually keyed in- and no signature or PIN was used to authenticate the transaction. However, Chime still denies my claim and won't refund me the money for this transaction that I did not make. I spoke with XXXX in their investigations unit who told me that without new evidence they would not re-open my claim. However, their investigation did not take into account that the card was manually keyed in- evidence that they both have full access to and did not consider. Claim ID XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information On may 15 Date you sent the fist letter ) I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
XXXX XXXX you knowingly, will fully and fraudulently withheld pertinent information to suite your own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household.

I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

Opportunity to cure Default Final Notice PURSUANT 15 USC 6802 ( B ) i am living breathing man hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported.

DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Please removes these accounts as soon as possible Accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ARE RECEIVABLES
Product: Checking or savings account

My phone was at the phone shop and someone unlock my phone and stole my check I did not have XXXX this year I went to the phone shop to get my phone and my check was gone to call center XXXX in XXXX I stay in XXXX tx the shop I was at was spanish that charged me XXXX then I called the bank to let them no and thay where acting funny icalld XXXX gave them my name and card info and keep getting the run around this charge hapind XX/XX/XXXX I still haven't gotten my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with XXXX  directly. The dates are as of said disputes are as follows : XX/XX/XXXX, XX/XX/XXXX ( no response ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The accounts in question : US Department of Education/Nelnet XXXX  continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an XXXX  representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident XXXX  is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.
Product: Credit reporting or other personal consumer reports

Around XX/XX/2024 I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXXXXXX XXXX XXXX, other account is XXXXXXXX XXXX XXXX is another account that was done fraudulently.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email stating that 'I ' had transferred money - {$1700.00} -from my account to XXXX XXXX ' . The next emails were about changes made to my account. 

I did NOT authorize or make the payment to XXXX XXXX - nor did I authorize or make the changes to my account. I caught these transactions less than 4 hours from when they occurred and immediately contacted Bluebird by American Express. My card has always been with me. 

The agent asked many many questions and said they would open a case. It was supposed to take 1-2 days before someone called for more information. No one called. I called every day after that time period. I was continually asked if I knew this person. Obviously American Express thought I did this. 

I have been told they can not guarantee I will get my money back. That they are investigating. They must be aware of this continually occurring as there are many reports online of this exact same fraud. 

It has been a week with no resolution. Surely they can trace the IP address used to make the fraudulent transaction and also see that it was not me who made it. I have never paid an individual. I have only used the card to pay American Express bills.
Product: Debt collection

I disputed a collection account that is listed on my credit report by CAVALRY PORTFOLIO SERV. XXXX XXXX XXXX, XXXX, AZ XXXX. 
They are attempting to collect an alleged debt that I do not owe.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX 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 me 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 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. 


XXXX XXXX - XXXX 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, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL ANGECIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I recently did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code XXXX e ( 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. Under 15 U.S. Code XXXX i XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) 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. Eastern Account Systems Account Number # 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$390.00}
Product: Checking or savings account

I had a check issued by XXXX XXXX  that I tried to cash & was told by the teller & XXXX XXXX, branch XXXX ID : XXXX XXXX XXXX XXXX, XXXX  XXXX. Tel # ( XXXX ) XXXX XXXX or ( XXXX ) XXXX ; there would be a {$XXXX} fee for non customers. I explained that this illegal because they are the issuer of the check & according to the Banking Act of 1940 are required to honor the check. Moreover, by not honoring the check that are acting criminally by kiting, issuing a check & not honoring the check by funding their promise to fund the funds that are owed by issuance of that check.
Product: Debt collection

FORMAL CEASE AND DESIST NOTICE Subject : Immediate Cease and Desist of Unlawful Collection Practices To Whom It May Concern, This letter serves as a formal demand for your company to immediately cease and desist all communications with me regarding the alleged debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my legal right to request that you stop all direct and indirect communication with me, including phone calls, letters, emails, and any other form of contact.

Your ongoing attempts to collect this alleged debt, whether through harassment, intimidation, or misrepresentation, will not be tolerated. If you believe this debt is valid, you are legally required to provide full and complete validation before attempting any further collection efforts.

To ensure compliance with federal law, I demand the following : 1. Verification of the Alleged Debt Provide a signed agreement proving my obligation, a full transaction history, and evidence of your legal right to collect. 
2. Immediate Cessation of Communication Any further attempts to contact me outside of legal exemptions will be considered a willful violation of my rights.

3. Compliance Confirmation You must acknowledge in writing that all non-essential collection activities have ceased.

Failure to comply with this request will result in formal complaints being filed with : -The Federal Trade Commission ( FTC ) -The State Attorney Generals Office Additionally, I reserve the right to pursue legal action against your company for damages related to unlawful debt collection practices, harassment, and emotional distress should you fail to adhere to this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and EXPERIAN has stated that they have verified the bankruptcy listed on my credit report by reaching out to the US Bankruptcy court. I reached out the US Bankruptcy court and was advised that they had not verified this is information. Im requesting that the Credit Reporting Agencies confirm when did they verify the bankruptcy information on my credit reports with the US Bankruptcy Court? Who did they speak with at the courts? If this information has not been truly verified as the CRAs has stated, please permanently delete the bankruptcy from my credit reports because the CRAs have provided me with false information which is against the FCRA Act.
Product: Student loan

In XX/XX/XXXX, I received a message from MOHELA stating that I have until XX/XX/XXXX to recertify my XXXX plan, however on their website, my IDR recertification date was listed as XX/XX/XXXX. On the studentaid.gov website, it clearly states the following : " The earliest you could be required to recertify is XX/XX/XXXX. 

On your account XXXX XXXX page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. 

If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' When I stated the above to MOHELA, they said I should just recertify to avoid problems. I spoke with Federal Student Aid and submitted a complaint on their page based on their recommendation on XX/XX/XXXX. That complaint is still pending and apparently has been escalated, but I do not have a timeline on when this will be resolved. 

Since then, MOHELA has increased my monthly payments by almost 1600 % and when I called them on XX/XX/XXXX to enter into forbearance while this issue with resolved, they began to tell me that my XXXX anniversary date is XX/XX/XXXX and that is why I need to recertify over the phone with them now. When I asked them where they got this date from, they simply told me this is the date " in their system '' and that it is not their fault that I can not see this date on my account on their website. When I told them that their website is showing me an XXXX renewal date of XX/XX/XXXX, they told me that they do not know where I am getting that date from, and they do not see this date, they only see XX/XX/XXXX. They tried to push me to recertify, but I asked to have a supervisor speak to me, and a supervisor never called me back. The only place I see the date of XX/XX/XXXX anywhere tied to my loans on the MOHELA website is that this is the date of my next bill. 

I went to XXXX again and downloaded My Aid Data from my account on the website, and saw in all that information that my XXXX anniversary date was listed as XX/XX/XXXX. 

I currently have no trust in MOHELA and do not know where to get accurate information from other than FSA.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXXXX/XX/XXXX