23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter serves as a formal dispute regarding the debt reported on my credit file under Account XXXX XXXX. This debt is fraudulent, the result of identity theft, and has absolutely no connection to me. I have never opened an account with XXXX XXXX XXXX, nor have I ever authorized anyone to do so on my behalf. The presence of this erroneous and fraudulent information on my credit report is unacceptable and has caused substantial damage to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my legal right to dispute this debt. You are legally obligated to investigate and remove any inaccurate or fraudulent information from my credit file. 

To substantiate my claim of identity theft, I have enclosed the following documentation : A copy of my police report or FTC Identity Theft Report. 
A copy of my government-issued ID to verify my identity. 
I demand the immediate removal of this fraudulent debt from my credit report. If this issue is not resolved promptly, I will not hesitate to take legal action to enforce my rights under the FCRA and FDCPA. This includes filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies. 

I expect confirmation in writing that this fraudulent account has been removed from my credit report within 3 days. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Kolh 's credit card and very seldom us it. For years I had received a paper statement to pay my bill. Suddenly my account had changed to paperless statement. I do not know how this came about. Because my wife nor I made this change. I did not realize this until last week I got a letter about our payment being past due for several months. The letter said I owed {$100.00}. I called the number in the letter XXXX XXXX to speak with someone. I told her I never received a statement, she said you have paperless statement and I said no I do not. I get paper statements from all store cards we have, XXXX, XXXX XXXX, XXXX, XXXX XXXX. After getting off the phone with this person sure enough it had been changed to paperless. So I checked my emails for a notice for the bill. There were none. I checked my trash for it to see if I made a mistake and trashed the email. I have over 1400 in trash dating back to XXXX of last year. Nothing. I checked my spam. Nothing. My wife bought items around XXXX on line and a purchase in store. So from the first of this year they show me as not paying my bill. Charged me interest fees and late charges. Now when I got on my Kohl 's site and looked at these statements on line I found that I owed {$320.00}. Why wasn't the amount in the letter? I did not get statement for over 2 months. So fees and interest are added each month. If I hadn't gotten on line and paid the {$100.00}, there would be still money there they could charge fees on not knowing the full amount. I mailed a check for the {$320.00}. I always pay off my credit card bills in full to avoid paying interest fees. If our purchases are to great at the time, we do not buy the items unless I know I can pay it off when the bill comes. They get you to use the card saying If you put the purchase on your Kolh 's card you get this extra percentage off. XXXX you in to using it. 
I believe someone in the credit card sector changed our account from paper statement to paperless. Did not send me estatements so they could add interest fees and late fees. Then send a letter saying I'm late on my payment of {$100.00}. But not the total amount of {$320.00}. Why did they not give me the total of the balance? Someone is playing games to generate monies fraudulently. If their doing this to me how many others have they done this to. I will never be using a Kohl 's card again.
Product: Debt collection

A woman called on XX/XX/2018 at XXXX and refused to identify herself other than to say her name was XXXX. Asked her at least 5 times to identify the company or what the call was about because she wanted me to confirm my name and year of birth before she would say who she worked for. Finally identified the company as Trellis Company, who I do have a payment plan with. I pointed out to her that it was XXXX in my time zone, which didn't seem to phase her at all. She was calling about a {$5.00} debt that was less than 30-days old. All she had to do was say this is XXXX from XXXX and I would have recognized the call as legitimate and answered all her questions, even though it was too early in the morning for her to be calling me.
Product: Debt collection

I went to pnc for my credit card and paid them in the branch for the amount owed in XXXX now they are saying that Im 2 months late which dropped my credit score. And it never deducted. Which is messing up my whole business. I contacted them and told them. They said they needed a receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXXXXXX XXXX XXXXXXXX XX/XX/2023 ). I am not the one who initiated the inquiry. I submitted a complaint last XX/XX/2023 but it was closed immediately. I am submitting a new complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting

Experian has not removed this account XXXX XXXX XXXX XXXX XXXX from my credit report. This account is too old to be on credit file and I am withing guidelines to have old creditors removed. I am mot familiar nor have I ever paid on this account. I am asking Experian to please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the three credit reporting bureau on XX/XX/23 and has not gotten a response from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
the following address need to be removed from my report and file XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of 3 letters to TransUnion and XXXX  in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both TransUnion and XXXX have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to TransUnion and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both TransUnion and XXXX. Despite my 3 written requests, the unverified and inaccurate accounts still remain on my credit report.
Product: Mortgage

I spoke to XXXX XXXX at Statebridge company LLC who was my account representative and two other people who stated that we were in a repayment plan so it should not have been negatively reported on our credit scores. It was stated multiple times by three different people that the negative marks should have been removed from our credit scores for the time we were on the plan. Our account was paid in full in XX/XX/XXXX. I feel they mis represented the information that was told to us. I was told no one worked in the credit reporting department and we could not speak to anyone else. I would just like to have negative remarks removed from our credit reports for the months of XX/XX/XXXX to XX/XX/XXXX. I am not asking for all marks to be removed, just for the time they stated we should not have marks on our credit reports.
Product: Vehicle loan or lease

I had a car loan wind Wells Fargo in 2015 and my car was totaled. I was never returned my gap insurance money.
Product: Credit card

Hello I opened US Bank Skypass Visa Signature Business Card around XX/XX/scrub>XXXX 

After I spent {$5000.00} with 3 months, I was expecting to receive XXXX sign-up bonus. 
But I didn't receive XXXX sign-up bonus. and I called them around mid of XXXX why I didn't receive the sign up bonus. the agent said I will get the bonus mileage later. 

I waited XXXX months.but I didn't receive sign-up bonus I called on XX/XX/XXXX for checking the status, Agent said I will get the sign-up bonus. 
At that time, I asked if I could receive a sign-up bonus for the same business card but with different company names, and agent said " yes '' ( agent 's name is XXXX. maybe ) But I got the letter that I will not receive the sign up bonus. they said I already received the sign-up bonus. 

I called on XX/XX/XXXX, and they changed their mind and said will not provide sign-up bonus. Why did they say " yes and wait '' when I called multiple times, why now they said " No ''. 

I want to receive XXXX signup bonus as their call center agent confimed it.
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint regarding fraudulent accounts that have been wrongfully placed on my credit report. These accounts were opened in my name following the widely publicized XXXX  data breach of your institution, resulting in the compromise of my personal information. These accounts were opened without my knowledge or consent, and the resulting damage to my credit and financial standing is unacceptable.

This matter constitutes identity theft, and I am asserting my rights under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681s-2. You are legally required to act swiftly and decisively to resolve this issue. 

Fraudulent Accounts : XXXX XXXX Account Number : XXXX, Balance : {$750.00} XXXX XXXX Account Number : XXXX, Balance : {$270.00} XXXX XXXX Account Number : XXXX, Balance : {$33000.00} XXXX XXXX Account Number : XXXX, Balance : {$330.00} XXXX XXXX Account Number : XXXX, Balance : {$400.00} These fraudulent accounts have caused unauthorized hard inquiries, adverse collection actions, and significant harm to my financial reputation. The damage is real, and the burden of these fraudulent activities is not mine to bear. The continued delay in addressing this issue is inexcusable.

Under 15 U.S.C. 1681c-2, you are legally obligated to remove and block this fraudulent information from my credit report within four ( 4 ) business days of this notice. Furthermore, 15 U.S.C. 1681s-2 mandates the immediate cessation of all collection activity related to these accounts. 

These laws are clear and non-negotiable. I expect immediate action to remove the fraudulent accounts, stop all collection activities, and provide written confirmation of such within the legal timeframe.

Final Demand for Resolution I would like to remind you that this issue arises directly from your failure to adequately protect consumer data during the 2017 breach. This is not merely an issue of fraud ; it is a consequence of gross negligence on your part, and you bear full responsibility for rectifying the situation. 

Failure to comply with the law and resolve this issue will result in severe consequences. This is a final demand for immediate and complete resolution of the matter. I expect confirmation in writing that : The fraudulent accounts have been removed and blocked from my credit report. 
All collection activities related to these accounts have been immediately ceased. 
Should you fail to take the necessary actions within the specified timeframe, I will have no choice but to escalate this issue through every available legal and regulatory channel, including but not limited to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and other appropriate authorities. 

This is your final warning. I expect this matter to be resolved immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of the XXXX XXXX XXXX account from my credit, as I have been a victim of identity theft. This letter serves as both a dispute and a request for both of the accounts to be removed per law. 

Identity theft is a severe crime, and under federal and state laws, I am entitled to certain protections and rights, including those provided under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

I kindly request that you investigate this matter promptly and provide a written response in accordance with the FCBA. I expect that you will : Acknowledge receipt of this dispute letter within 30 days. 
Conduct a thorough investigation into the unauthorized charges. 
Temporarily suspend any further collection activities related to these charges during the investigation. 
Provide me with written updates on the progress of the investigation. 
Provide a final written resolution of this dispute within 90 days. 
Failure to comply with the FCBA and other relevant laws may result in legal action on my part. I trust that you will take this matter seriously and expedite the resolution process.
Product: Debt collection

MEDICREDIT, INC has reported that I owed their company {$470.00} from a medical bill w/ XXXX XXXXXXXXXXXX XXXX  XXXX The company now shows that I owe {$0.00}. 

Medicredit NEVER communicated any statement or justification for this bill. 
No monies were ever given to Medicredit. 

I am requesting this collection be removed from ALL credit report agencies, as there was never any verification of the bill and my ownership. In addition there was no communication to give me a notice of this bill and the action that would be taken ie reporting bill on credit reports.
Product: Credit card

the Creditor has charged this account off, or written off the balance. they never sent me a 1099 IRS form for tax purposes. which is in violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft due to Equifax XXXX breach which negatively impacted my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed hard inquires on my Transunion credit report that were inaccurate. I called Transunion on the XXXX and the agent told me that there was nothing they could do about it. I sent a letter to Transunion and have yet to get the problem resolved.
Product: Credit card or prepaid card

Received Statement closing date XX/XX/XXXX with {$38.00} credit balance and {$370.00} in cash reward balance. Try to used the card and didn't work. Called the Paypal Credit card customer service and was told the credit card has been cancelled. When ask about the cash reward, customer service says it is gone because we cancelled the credit card! This credit card has a credit limit of {$16000.00} and was only approved 3 months ago. I nicely requested please send the reward cash as I didn't close the account and was told they can't since it is closed and they can close account for any reason. I guess they can also close account based on race and gender then. Received letter stating " indicative of high risk of failure to pay '' as why account is closed. 
Let 's look at this in detail, of the 3 months I received statements before cancellation of the credit card, the balance at statement closing are XX/XX/XXXX {$920.00}, XX/XX/XXXX credit of {$70.00}, XX/XX/XXXX credit of {$38.00}, XX/XX/XXXX balance of {$0.00}, XX/XX/XXXX balance credit of {$26.00}. I have attached all 5 statements for your review and credit score of XXXX excellent from their website. 
I find it impossible to state the account was closed due to high risk of not paying where the 5 month statement balance average is {$150.00} with a credit limit of {$16000.00} and credit score of XXXX. That is 1 % credit usage on this credit card for the life of the card. If people are getting their accounts closed using less than 1 % credit usage and XXXX credit score, the 99 % of all consumer credit cards would be closed. The reason stated for closing account is not justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the collection account from XXXX XXXX XXXX but on XX/XX/2022 the agency replied account verified without removing the account. Base on literature I read this account should not be reporting on my credit file because it creates, ( 1 ) an adverse situation regarding my credit profile and to me trying to obtain new credit, ( 2 ) credit bureaus are not to put anything on your credit report without written instruction, and ( 4 ) collection accounts are not to be put on credit reports, therefore they are violating my right to privacy under pursuant to the Fair Credit Reporting Act 15 U.S.C. 1681 Section 602 ( A ), 15 U.S.C. 1681 604 ( 2 ),! 5 U.S.C. 1681c ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section XXXX { a } { XXXX } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX agency Date XXXX Account Number XXXX Reason for dispute_UNVERIFIED Account Amount XXXX Account Name XXXX XXXX XXXXE Date XXXX Account Number XXXX Reason for dispute XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX XXXX Date XXXX Account XXXX Reason for dispute__XXXX XXXX Account Amount XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__XXXX XXXX Account XXXX Account Name _XXXX__ Date XXXX Account XXXX Reason for dispute_XXXX XXXX Account Amount XXXX Account Name XXXX XXXX___________ Date XXXX Account XXXX Reason for dispute__XXXX XXXX Account XXXX Account Name_XXXX_________ Date XXXX Account XXXX Reason for dispute__XXXX XXXX__________________
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies found in my credit report associated with the XXXX account number XXXX and account number XXXX. Despite my efforts to rectify these issues with XXXX and XXXX, I have encountered significant challenges in addressing these inaccuracies, which I believe constitute violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified four violations related to the XXXX  account mentioned above. These violations include inaccuracies in account numbers, account types, dates opened, and dates last reported. 

As a consumer, I am entitled to accurate and fair reporting of my credit information in accordance with the FCRA. The failure of XXXX and XXXX to address these violations in a timely and appropriate manner undermines my ability to access credit and damages my financial standing. 

Therefore, I demand immediate action to rectify the inaccuracies in my credit report and provide compensation for the violations committed. Pursuant to the FCRA, I am entitled to {$1000.00} in compensation for each violation. Based on the four violations identified, I request compensation totaling {$4000.00}.
Product: Debt collection

This company called First Source Advanced has called my home. I do not know who what is their business purpose. I have never had a business relationship with this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account was closed on XX/XX/XXXX and still is reporting as an active account. 
Amount- XXXX XXXX XXXXaccount was closed XX/XX/XXXX and still is reporting as an active account. 
XXXX These account was charged off in XX/XX/XXXX and XX/XX/XXXX. The accounts have repeatedly been updated as charge-off every month, this is an update on my payment history but a charge off account should NOT include an active payment history. These account needs to be investigated properly due to it violated my rights. 
Under 15 U.S code 1681 e, i Please remove the following items from my credit report XXXX XXXX XXXX
Product: Debt collection

I move out of my old apartment in XXXX. Before I moved out I called XXXX to pay off any existing balances. I received a negative collection item on my credit report in XXXX from XXXX XXXX for {$640.00}. When I called the collection agency they told me they have been sending bills to a address in XXXX Massachusetts. However, I never lived in XXXX Ma. I live in New York, I have proof of this, I pay taxes in New York and they refuse to remove the negative reporting from my credit report despite me never receiving these bills or them contacting me. I dont mind paying the balance owed but I want the collection item removed from my credit report since they never sent these bills to me or contacted me. Is this legal, what can I do?