23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX Dispute of Inaccurate Accounts I am writing this letter to dispute several accounts listed on my credit report. I demand immediate investigation and removal of the following accounts, as they are inaccurate and unauthorized : XXXX. Sunrise Credit Services XXXX Account XXXX : {$730.00} XXXX. XXXX XXXX XXXX Account XXXX : {$800.00} XXXX. XXXX XXXX Account XXXX : {$1700.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : {$3300.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX : {$3900.00} XXXX. XXXX XXXX XXXX Account XXXX : {$3900.00} I am contesting the legitimacy and accuracy of these debts. These amounts are either erroneous, not validated, or in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

You have failed to provide proper validation of these accounts in a manner that complies with federal law. As such, I am formally demanding that you cease all collection activities and immediately delete these entries from my credit report. If you can not provide a comprehensive breakdown of the debt, including original contracts and a detailed account history proving that I owe these amounts, you must take corrective action. 

I expect the immediate cessation of any communication regarding these accounts unless you can supply proper documentation. If I do not receive a timely response within 30 days, I will not hesitate to escalate this matter, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and other relevant authorities. 

Failure to act will result in legal action. I will not tolerate these erroneous accounts tarnishing my credit or your failure to adhere to the law. I demand the full removal of these items from my credit report without further delay. 

You are legally required to notify all major credit bureaus of these inaccuracies and have the disputed accounts removed immediately. 

I expect prompt resolution of this matter and written confirmation of the removal of these accounts from my credit report.
Product: Student loan

Regarding Student Loan Account Number : XXXX My loan payments in XXXX and XXXX from bank withdrawal by Navient are not reflected correctly in my balance. 

There was an Interest Only Monthly Payment Agreement of {$460.00} with Navients XXXX XXXX [ Employee ID XXXX ] Per the Recorded Voice Conversation. 

With other interest, the very first payment was {$540.00}. This first payment was taken on XX/XX/XXXX. " Exhibit A ''. 

Recurring Payment of {$460.00} should be taken on XXXX day of every month, ending on XX/XX/XXXX. 

Navient Illegally took the Second Payment {$540.00} on XX/XX/XXXX. " Exhibit A ''. Thus, Navient Defrauded {$78.00} from my Bank Account. This is not the first time, Navient engaged in a Pattern of Fraud, since XXXX. 

I called Navient on late XX/XX/XXXX, I changed Navients billing from Debit Card to Checking Account. Navient said that would be OK. 

The third payment is {$460.00} was taken on XX/XX/XXXX " Exhibit B ''. 

Navient continues to Defraud and Create a Fraudulent Loan Balance with Late Fees " Exhibit C '', even after taking Illegally withdrawing Excess Funds of {$78.00} from my Bank Account Navient also reported Fraudulent Student Loan Balance to all Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want t hese items DELETED from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

Please HELP me DELETE these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

-- Company or Organization : COLLECTION Date fraud began : XX/XX/2023 Date that I discovered XXXX Total fraudulent amount {$300.00}.
Product: Credit card or prepaid card

XX/XX/XXXX charges were made to a new credit card account number ending in XXXX that was generated by USAA Credit Card Banking Services without authorization request or knowledge of this new card or account. This card was then activated and used by the person whose name it was issued to and accumulated charges all on date referenced above in the amount of {$2000.00}. Additionally, charges were not declined when the credit limit was exceeded by almost this entire amount. This was brought to my attention by a fraud alert message on my phone the day of transactions to which I responded. All the charges were removed initially and pending investigation resulting in One of the charges removed from my account as unauthorized however, the others remain on my account which holds a different account number and has held this number for many years. I have sent three letters to USAA Credit Svcs. and have received no response addressing the specific issues stated in the letters ; XX/XX/XXXX and XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX tell XX/XX/XXXX My student loan from XXXX Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed XXXX Department School Loan and I have proof of the email as well, and also a email with a response back from XXXX Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX XXXX XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from XXXX is showing Delinquent by 120 days. 

I then again had contacted XXXX, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including Experience, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX XXXX, EQUIFAX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Debt collection

Account # XXXX, XXXX, and XXXX To Whom It May Concern : Portfolio Recovery Associates ( PRA ) reported the above accounts falsely to XXXX, XXXX  and XXXX because of the following reasons : - PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an Type Of Account : Open Account on my XXXX credit report. 
and PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as Type Of Loan : Factoring Company Account on my XXXX and XXXX credit report. 

- With respect to the " Type Of Loan : Factoring Company Account '' notation on my XXXX and XXXX  report : I do not have any known type of agreement or contract in writing or otherwise with PRA or the alleged original creditor that creates or procures any type of Factoring of alleged monies owed, nor am I aware of any agreement or contract that PRA has with the alleged original creditor granting them specific rights to factor the alleged monies owed. In order for monies to be factored, the debt must be in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN AND XXXX HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights
Product: Credit card

I reported identity theft on this account back in XX/XX/22 the card was issued thru choice rewards not Wells Fargo at the time I open the account, I was waiting on the resolution for my account I stop receiving information I was never given information about my account weather the issue was resolved or not nor that my account was sold to Wells Fargo nobody ever contacted me. Now its closed for non payment??
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$3800.00} REMOVE ACCOUNT XXXX XXXX XXXX {$25000.00} REMOVE ACCOUNT XXXX XXXX {$10000.00} REMOVE ACCOUNT XXXX  XXXX  {$1100.00} REMOVE ACCOUNT XXXX {$760.00} REMOVE ACCOUNT XXXX  XXXX {$3400.00} XXXX  XXXX {$1500.00} XXXX requested for the credit bureaus to send copies of documentation with my signature of the accounts they claim I owe and they refused.
Product: Credit reporting or other personal consumer reports

I was stunned to see an incorrect account on my credit report this morning. I can't understand how this could have happened. I did my usual credit report check, but this time, there were errors that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. I'm really concerned about this, and I'm asking for a thorough review of the documents I've submitted so I can have peace of mind and not worry about this happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below information is reporting to my credit, there is a total of 4 accounts that either need updated or removed from my credit report. One account is my car loan, and it is my account but is not reporting the correct payment history, and the other three accounts do not belong to me at all. All details of these accounts are below and the details as to what is being reported to my credit report. 

XXXX : is my car loan, but I have never been late and I want these late ( s ) removed from my credit report. 

XXXX XXXX XXXX XXXX : this account doesn't belong to me, please see all details below XXXX XXXX : this account doesn't belong to me, please see all details below XXXX  : this account doesn't belong to me, please see all details below XXXX Opened XX/XX/XXXX Balance {$21000.00} Payment {$520.00} Account # XXXX XXXX, This is my account, but I was never late on my payments, the late are below that they are reporting to my credit all three credit bureau XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect info XXXX XX/XX/XXXX Incorrect Info XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$470.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX XXXX Opened XX/XX/XXXX Balance {$2500.00} This account doesnt belong to me Account # XXXX Type of Account Unknown XXXX  Opened XX/XX/XXXX Balance {$260.00} This account doesnt belong to me Account # XXXX Type of account CREDIT CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

My transition credit has credit freeze but transition still lets fraud on my account. 
1. " XXXX XXXX '' some how took my information even with credit freeze.

Either company or fraudulent use put HARD INQUIREY on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( XXXX v. XXXX XXXX XXXX. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and discovered several inaccuracies in the personal information reported. It has come to my attention that you are reporting information that does inaccurate or does not belong to me, which is not only concerning but also has potential repercussions for my financial well-being. 

I am writing to ensure that my credit file contains the most accurate information possible at all times. Therefore, I kindly request that you delete the following inaccurate information contained from my credit file within the next 30 days. I have provided current and correct information for each category to be updated along with proof of identification. 

If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed.

Under the provisions of 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with written instructions from the consumer to whom it relates. Despite this legal requirement, XXXX has knowingly furnished my consumer report with inaccuracies on multiple occasions without having received written instructions to do so and has violated my privacy rights. These actions have caused significant difficulties in obtaining needed credit. 

I trust that you will address this matter with the urgency and seriousness it deserves. Failure to correct these inaccuracies within the specified timeframe may result in further legal action and seeking monetary damages for violations. I appreciate your prompt attention to this matter.
Product: Checking or savings account

I have been a member of chase for years they are my first bank. My boyfriend received a check from his job legit verified government check for in home care provider services for his sister. His sister informed us that it was possible to cash checks for his mom and sister. We were low on money because Chase closed his account and we're trying to get gas to get home. Usually the check is available instantly after depositing it wasn't. Then I got a text my account was on hold for fraud I talked to XXXX representatives even together with permission because they always claimed they can't get in touch with the third party who lives with me! They insist our database is slow and unfortunately there is no way to lift the restriction because you don't have the same old phone number. The old phone number is a government phone it doesn't belong to him and we use the same number for everything even went to the branch and updated it. Unfortunately it doesn't work like that... So social security, voice recognition etc anything they need is worthless because no access to a phone number. Every representative has been a nightmare and told us different things to do rip the check after if deposits in my account it did then the ban should be lifted it wasn't and XX/XX/XXXX in the mail I received a letter they are closing my checking account due to fraud. It's not fraud we are made to jump through hoops and never get anywhere we feel they are purposely withholding funds and making up excuses. Because I can't spend any money in my account and this is not their money it's ours. They have been very ignorant and it has showed me exactly how they treat their customers they don't value their customers they steal from us. My bank account of many years should not be closed by them because of their slow database and unfortunately that's not how it works go to answer for any solution other than an outdated number.
Product: Debt collection

The company is reporting that the account is open, but it has been closed and in collections.
Product: Debt collection

Linebarger, Grogan, Blair, Sampson LLP ( Linebarger ) has attempted to contact someone ( an " Individual '' ) at my address by US mail and by phone at the landline number associated with this same address since XXXX XXXX ; this person 's name is clearly spelled and specified as per the attached PDF and Windows Media Audio Files, respectively. 
In XXXX XXXX as the result of other mail and robocalls for the same Individual sought by Linebarger I filed an FTC Identity Theft Victims ' Complaint and Affidavit and used it to file a Report with the XXXX County Sheriff 's Office in XXXX XXXX against this same Individual. 
XXXX/XXXX/XXXX : Received an un-postmarked Presorted First Class Mail letter at my address sent by Linebarger to this Individual. 
XXXX/XXXX/XXXX : As a result of the letter sent to my address for this Individual by Linebarger I called the XXXX XXXX and opened a case. 
XXXX/XXXX/XXXX : As per instructions from the Postal Inspector I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
XXXX/XXXX/XXXX : I received a Presorted First Class Mail letter from Linebarger at Zip Code XXXX postmarked XXXX/XXXX/XXXX for the same Individual. I followed up with the Postal Inspector. 
XXXX/XXXX/XXXX : I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
Prior to returning both letters I scanned the UNOPENED envelopes as evidence as per the attached PDF file. 
XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX XXXX : Linebarger robocalled my home phone with messages for this same Individual. 
These messages are attached ; the second is truncated because the answering machine ran out of recording time. Linebarger does provide an Option in the event that the call is live answered such that " If we can not reach ( Individual sought by Linebarger ) at this number press 7 and we will remove this number from our records. ''
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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.