23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A REQUEST FOR A RE- INVESTIGATION. I HAVE NEVER LIVED OUTSIDE ALABAMA. I REPORTED TO EQUIFAX,  XXXX ,   XXXX    BACK IN EARLY  XXXX  THAT THERE WERE NUMEROUS COLLECTIONS ON MY REPORT THAT WASNT MINE. AFTER I RESEARCHED I FOUND OUT THAT SOMEONE IN ANOTHER STATE  XXXX   XXXX  NEVADA HAD OPEN UP SEVERAL ACCOUNTS UNDER MY NAME. I SUBMITTED TO EQUIFAX 17 YEARS OF STATE OF ALABAMA DRIVERS LICENSE. SURELY I CANT RESIDE IN  2  STATES. I ASK FOR REMOVAL OF ALL ACCOUNTS LINKED TO THE STATE OF NEVADA. EQUIFAX REMOVED SOME BUT NOT ALL. I AM ASKING THAT EQUIFAX REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I DID MY OWN INVESTIGATION AND ALL OF THESE ACCOUNTS WERE OPEN IN NEVADA WHERE I NEVER LIVED. THERE IS NO WAY THESE ARE MY ACCOUNTS. FOR THE  3RD  TIME PLEASE RE- INVESTIGATE AND REMOVE FROM MY CREDIT FILE. I RESIDE IN ALABAMA AND HAVE BEEN HERE 53 YEARS. NEVER VISITED THE STATE OF NEVADA. THESE CLOSED ACCOUNTS SHOULD BE REMOVED FROM MY CREDIT FILE.
Product: Student loan

I made an extra payment to pay off the balance of a loan within an account of XXXX separate loans. I was current with my monthly payments and was explicit that I wanted to payoff that specific loan within the account. Although the student loan company, My Great Lakes, applied the extra payment as another regular payment monthly payment that went towards interest and prinocipal of the XXXX different loans in the acccount. So now I the loan that I wanted to pay off In full still has a balance and is accruing interest. Also, the monthly payment that was scheduled for XX/XX/XXXX is currently still " processing '' and therefore accruing interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXXXXXX Balance : {$260000.00} XXXX XXXX  XXXX Balance : {$23000.00}
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Employers : XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said account from the report. I authorize you to send me physical documentation of your actions and an updated credit report.
Product: Debt collection

This Attorney and  XXXX   XXXX  have violated my FDCPA rights by their continued attempts to collect an alleged debt before providing validation of debt. My original request dated  XX/XX/XXXX  has gone unanswered. I am exercising my rights under th e " Fair Debt Collections Practices Act '' a s  codified at 15 USC 1692, which stipulates that a debt collector must, if requested, provide validation of the alleged debt, i.e. validate the debt, per " The Fair Debt Collections Practices Act '', " FDCPA ''. The debt collector ( Foreclosure Attorney, Bank, Alleged Lender ) is mandated under " FDCPA '' to cease and desist ALL collection activity until validation of the original note is provided .  <P/> This law firm and  XXXX   XXXX   XXXX  are in violation of Fair Debt collection practices by continued attempts to collect this debt. All collection activity should have ceased and desisted until validation of the debt is provided. This is my 2nd request and as of  XX/XX/XXXX  I have yet to receive the requested VALIDATION documentation.  <P/><P/> I have requested the following  : 1. Copy of  the original alleged note accompanied by an AFFIDAVIT from the alleged Lend er 2. Ide ntify to what the alleged debt pertains.    3.  Provide details how the alleged debt was calculated.   4. Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act  ) 5. P rovide copies of any papers that show that I agreed to pay the alleged debt.   6. Identify the original creditor and all Assignments from the Securitization based on the Pooling and  Servicing Agreement t o the original creditor. This means a valid legal chain of title from the depositor to the trust. Nobody bu t the Depositor ( Settler ) can transf er property to the trust.    7.  Provide the agreement between the creditor and your firm which authorizes you to collect funds  (  without a contract, your firm has no right to foreclose ).    8.  Provide evidence that you are licensed to collect in my state.    9. Provide your license numbers and the Alleged Lender 's Registered Agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote company asking for VALIDATION not VERIFICATION no response over the 30 days required to respond under FTC LAWS
Product: Credit card or prepaid card

I have applied for 4 cards with this bank. I have been approved for 2 which are the XXXX rewards and XXXX card with a XXXX and XXXX limit even tho I requested {$15000.00}. They have asked for id and ssn which I have mailed also attached to this complaint. I want to be approved for all 4 cards with higher limits so I dont close them. I have attached my credit report to prove I have a XXXX score with a 0 % debt ratio and {$10000.00} monthly income. Theres no reason I should be approved for the same amounts a kid working at XXXX can get. This is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services/CCS is reporting a delinquent collection account to XXXX and XXXX  that does not belong to me and is reporting incorrectly as if it does. I've attempted to resolve this by disputing this entry with the major credit bureaus, as well as contacting the company asking for validation of this alleged debt. I have yet to receive sufficient validation of this debt. According to the FCRA, Credit Collection Services/CCS has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was closed on XX/XX/XXXX approximately to a XXXX balance. It is reflecting late payments in XXXX of XXXX and XXXX of XXXX as far as I could see on XXXX XXXX. Another Credit report which I have submitted screen shots for shows more late payments on different dates. 

I have called Military Star Card ( AAFES ) and spoke with them and they stated it was closed out then and not further action has been taken. Since this has reported time and time again. I am unsure if they have been furnishing the other institutions with incorrect data. 

I have disputed this problem with XXXX  time and time again. XXXX  is also in violation of this. They aren't doing a proper investigation into this and are reporting incorrect information purposefully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not corrected the incorrect mortgage payments with XXXX XXXX. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by XXXX XXXX. XXXX XXXX never informed me that the loan was sold in XX/XX/XXXX. Then XXXX XXXX filed foreclosure while still collecting my on-time Payments. Then XXXX XXXX Dismissed the foreclosure after it was revealed that XXXX XXXX Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to Transunion. XXXX XXXX Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want Transunion to remove all the incorrect missed payment with XXXX XXXX in my Credit Report from XX/XX/XXXX to XX/XX/XXXX. I do not have 20 missed payments with XXXX XXXX XXXX.
Product: Credit card or prepaid card

Bought a lifetime software trading platform from XXXX XXXX using my Capital One credit card for {$1400.00}. The software was deemed to be defective for it placed a trade that the software was not suppose to place which lost me {$2400.00}. 

I returned the software ( license key ) to XXXX XXXX with receipt of delivery ( USPS ) given to Capital One with a dispute form. 

Capital One has yet to credit my account in the amount of {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently sent in disputes to Equifax on XX/XX/21 and XX/XX/21 and have not received nothing in email or in the mail I tried contacting them multiple times but nothing has changed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letter tracking number XXXX Delivered on XX/XX/2020, and signed for. 

To Whom It May Concern : On XX/XX/2020, I sent Equifax a certified letter with all of the required paperwork, stated that I am a victom of ID THEFT, and I also sent a request that would place a 7 year fraud alert on my credit report. I also sent Equifax my Identity theft report, along with a letter explaining what items that I discovered were a result of Identity theft. I also, sent a copy of my drivers license and Social security card. 

The accounts are listed below. 

According to FCRA section 605B, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Equifax has failed to block these items on my credit report, and is in direct violation with the FCRA. I demand that Equifax BLOCK the listed items Immediately.. 

I have attached the exact same documents to this complaint, that were sent by certified mail. 


XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX In the event that Equifax fails to answer this complaint. I might consider legal action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 
these names have no relation with me at all XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, A please see the below accounts that are fraud XXXX XXXX XXXX  XXXX XXXX XXXX I have asked million times that these accounts are not mine I keep stating this I called to your company and never get a straight ambigous responses so I have had it will ask help from cfpb and the ftc as your compny does not want to assit me at all
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX This letter is to inform you that I recently 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. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( 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 credit worthiness. 
Under the FCRA 15 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 the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
NXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX unverified account Please remove address that does not belong to me, I have never lived there : XXXX XXXX XXXX XXXX, Ohio XXXX. There should only be XXXX address on my credit profile. 
Also remove any XXXX XXXX from my credit profile. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Chase is preventing us from getting into our accounts online and not updating information in the accounts in a timely manner. When we travel, we use a different IP address to log into our accounts. Chase has taken it upon itself, without asking as other banks do, whether we want it to " recognize '' the computer/IP address we are using. It then locked us out when we logged in from another IP address. Recently, we were locked out of our accounts for 2.5 - 3 weeks because of this harassment. To add insult to injury, when we went into a local office of XXXX in XXXX, NJ, it demanded a new email address because its marketing junk email was bouncing. The guy deleted the old email that had been in the system for years and demanded another one. When he was told that we do n't use email, will not create an email account for Chase 's convenience, he said he would not restore the original email address that he had deleted without permission, then refused to restore. This obnoxious behavior typifies Chase 's actions : everything is for its convenience while it continues to deny clients easy access to their money and financial services it advertises and purports to provide. 
Similarly, last night or the night before I checked our accounts online. Nothing had been updated since before the XXXX XXXX weekend. Then this morning, a bunch of checks and payments showed up, bringing the balance very low. Had it updated the online information in a timely fashion, we could have easily transferred money into the account before this weekend. As it is, we will need to stagger a credit card payment because Chase withheld critical account information from us. This has all occurred while Chase owes us roughly {$130.00} for a credit on their credit card that has been on there for roughly 2 months. it is clear that first it denies us access to our money and bill payment services ; then it withholds account activity information ; followed by a bunch of checks it had been holding, hoping to overdraw the account. This kind of petty harassment and capricious cessation of normal operations needs to be sanctioned effectively and sufficiently to deter it. No bank should be allowed to offer services such as online access and bill payment services, then capriciously withhold them without warning, while trying to collect fees, should the account be overdrawn.
Product: Money transfer, virtual currency, or money service

I need my account closed and my funds from sale of my crypto currency positions refunded back to me.
Product: Vehicle loan or lease

I have an account that was due on the XXXX but I have it scheduled to come out on XX/XX/XXXX. According to my contract I have 10 days to make the payment before a late fee applies. They are now telling me it has to be paid this month because thats their policy although that violates the 10 days allotted in the contract. Im also being charged daily for not paying within the 10 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was contacted with written request and proof of identity in regards to consumer report and freeze on the XXXX th and again on the XX/XX/XXXX also have left several messages via phone and faxed request as well no communication or evidence of issue has been resolved
Product: Checking or savings account

I opened an account ( CD for {$25000.00} ) on XX/XX/2019. I was told that if I opened another checking account and deposited {$1500.00} that I would receive a {$200.00} bonus. About 2 months went buy and my bonus was not put into my account. I went back to the bank and talked to the man who set up the account ( XXXX XXXX XXXX ). He said I had to have the money in there for 90 days before the bonus would hit. We are now over 120 days and my bonus has not hit, XXXX XXXX XXXX no longer works there. They said he was transferred to XXXX Mi. and nobody else at that bank in XXXX XXXX has any knowledge of a bonus coming to me. I have 4 accounts at that bank and I sure did not need another one, I only opened it because of the bonus that he guaranteed I would get. I called the complaint department an XX/XX/2019 and lodged a complaint and have heard nothing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an email from XXXX stating that I was signed up for their credit reporting service as a result of renting my apartment from XXXX XXXX in XXXX TX. I had never agreed or expressed any interest in this service and it was the first time I had even heard of it. The email had a link where I could cancel this service, however, it returned a 404 error indicating there was no such website, although XXXX appears to be a real company involved in credit reporting. I am not interested in this service and want them to cancel whatever account I might have with them and delete any records and information associated with me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/year> TD Bank USA/TARGET XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account XXXX have not received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

The company reported me to collections in XXXX, and all three credit bureau, XXXX, XXXX XXXX, in the amount of {$1700.00}. And I sent pictures of when I moved out with time stamps. And asked the company for their proof of damages because they sent me this bill XXXX years later and didnt validate it when I asked for proof.