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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items
Product: Debt collection

These debts are from XX/XX/XXXX or XX/XX/XXXX. Should n't they have fallen off my credit report by now?
Product: Credit card or prepaid card

I hired a moving company to help move my things. 

The moving company told me that I can book an elevator between XXXX. 

Then the moving company came at XXXX and left my stuff on the road without delivering it to my condo. 

The moving company also forged my signature and charged a different card for {$500.00}. 

But Chase is refusing to see all this evidence.
Product: Mortgage

This is for a Home Equity Line of Credit : I applied for a home equity line of credit around XXXX XXXX, 2015. I received confirmation of credit score on XXXX XXXX, and a confirmation email with specific documentation requirements on XXXX. Documents required included : recent paystub, a XXXX settlement form, signed authorizations, a notification of appraisal cost, and a copy of homeowners insurance. On XXXX, I provided the paystubs and XXXX along with a copy of the XXXX. Insurance would be updated with PenFed as a beneficiary at the time of closing. On XXXX I transferred funds for the appraisal. I also signed the disclosures and provided insurance information on XXXX via email and via post. I also inquired on XXXX as to why I needed to sign the waiver of timing requirements for appraisal. Throughout this point, I never received a single response or confirmation to any communication I had with PenFed or XXXX XXXX. On XXXX I notified PenFed that I was also entertaining a proposal from XXXX Bank, and inquired about my conditional approval. Upon notification of the XXXX application, PenFed required a letter of application withdrawal from XXXX in order to move forward. I followed up again with PenFed on XXXX to explain the withdrawal letter requirement, which they explained was only required if I was cleared to close with PenFed and needed to be provided only prior to closing. I followed up what was explained to me by the customer service agent with XXXX XXXX my loan processor in email format, requesting her confirmation. No response. I also called into PenFed on numerous occasions to try and confirm the status of approval and appraisal. I called in on XXXX when appraisal had not been ordered, and confirmed that it was to be ordered on XXXX - funds were debited. On XXXX I called to follow-up about appraisal, where it was confirmed that although they took the funds, appraisal was not ordered - and was placed on rush. I was told that I would receive a call within 5 days to schedule. I received a call on XXXX ( XXXX call ) from XXXX XXXX that although they took the funds and thought an appraisal was ordered, it in fact was n't. She promised that I would be contacted within XXXX2 days. By XXXX I was not contacted, and as such, I sent an email on XXXX withdrawing my application and demanding a refund of my unscheduled appraisal. On XXXX I received a phone call indicating the appraisal order request did not go through, and it was being rushed, yet again. On XXXX my application was officially withdrawn. On XXXX my appraisal fee of {$470.00} was refunded, but the refund was backdated to the original debit date. On XXXX my appraisal fee was charged back for {$470.00}, while the application remains in a withdrawn status. At this point PenFed has not delivered the service, did not incur the appraisal cost, and has absconded with my money. I demand a full refund of the fee paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 26th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX Balance {$20000.00} ; XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$80.00} XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/2019 Balance {$0.00} ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX all mishandled my personal information sold my information to other companies without my permission I have hard inquiries on my credit that I have no knowledge of I'm asking this be removed due to the negligence of these companies. This is damaging my credit and my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries are unauthorized and need to be REMOVED from my credit file immediately 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 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 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 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 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 ( 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 XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  - XXXX 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

Hi, I submitted credit freezes on behalf of my XXXX XXXX  children with all XXXX credit agencies. Recently, I received written communication from Experian addressed to my XXXX children with the heading " Your Dispute Results ''. However, I am confused because I did not file a dispute, and the only substantive information the page provides is a statement that says " Outcome : Added ''. The single page ( front and back ) does not mention anything related to credit freezes. Moreover, the document does not provide a phone number to inquire about additional information related to these documents. 

I am filing this complaint because I have been trying to call Experian using the automated service for over an hour and have been searching for any way to reach someone by phone. I have tried the customer service numbers provided on their website through my account and through their chatbot ; still, I can not get a hold of someone to figure out what dispute they are referring to on my kids ' account. 

Did someone steal XXXX of my kids ' identities? Is there a reason why they sent me a document that appears to be unrelated to a security freeze for my children? Or, for that matter, how do these companies control virtually every key aspect of our financial lives, and yet I can't reach a live person on their customer service number that they publish? ''
Product: Credit card or prepaid card

To whom it may concern Around XXXX received letter at my house from Chase Bank about my deceased fathers ' credit card, claiming a charge of {$29.00} some time in XXXX. 
Contacted them on the phone and by mail to tell them impossible charges could be made by my father, informing them that my father had passed XXXX, 7 months before getting this bill. They said oh sorry to hear that and sent another bill on XXXX For some reason I keep getting calls and bills to my address, I am not even sure how they got my address/phone number as I am not involved in the estate, but they keep sending me bills not sure why. 
I asked them to stop on XXXX by phone and mail, on XXXX phone and by mail on XXXX by phone, they now informed me they can not find any information out and not stop sending me bills for my father card. 
I would also add they just keep adding late fees and sending me the bills now total {$99.00}. Real class act. 
Please ask them to stop sending me bills. 
Yours Truly XXXX
Product: Mortgage

- My mortgage was sold from XXXX to Roundpoint Mortgage XX/XX/XXXX - {$2300.00} was sent electronically each month from XXXX XXXX XXXX XXXX XXXX XXXX - Roundpoint returned the payments XX/XX/XXXX, XX/XX/XXXX but did say there was a problem- I called 4 times after my bank sent me notifications Roundpoint failed to accept payment - 4th time " XXXX '' explained there was a glitch, they needed the Consolidated Bill Pay Provider my bank used. ( XXXX XXXX i pay solutions )- I emailed it immediately XX/XX/XXXX - I paid by router number the mortgage amounts sent XX/XX/XXXX and XX/XX/XXXX but returned by Roundpoint - Called XXXX to confirm Roundpoint had XXXX XXXX XXXX XXXX XXXX XXXX Bill Payer Provider, no one could confirm - Emailed XX/XX/XXXX to confirm Roundpoint had info needed and that payment would not be returned - Called XX/XX/XXXX and emailedXXXX " XXXX '' at Roundpoint could not say if it was corrected and asked for my routing number for payment - Credit score dropped significantly, Roundpoint submitted no payments when payments were made to them but not accepted for 4 months total ( notified this month was rejected again )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Requesting a Method of Verification Letter Dear XXXX XXXX, I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with US BKPT CT XXXX. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment reported on XX/XX/year>, for my XXXX XXXX XXXX installment loan account. 

I want you to know that I understand my financial obligations, and if it werent for being XXXX  in the USA, facing a language barrier, and experiencing financial difficulties as a student, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive improved my money management and have had a spotless record of on-time payments. 

Im planning to apply for a car loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and remove the XXXXXXXX XXXX XXXX installment loan account from my report. 

Thank you for your consideration, and I hope youll approve my request.
Product: Debt collection

My account for XXXX services I received from XXXX XXXX XXXX was placed at CRME Agency for collection. The information in my file contains my personal information including my XXXX. Recently I have noticed suspicious active on my credit report in the time my account was place in CRME Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with 45 CFR Parts 160, 162, and 164 Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California A.B. 964 and A.B. 964. I have made the request and CRME refuses to provide this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Equifax investigate a charge-off account with XXXX and provide documentation verifying the account per the FCRA. I have sent four requests to Equifax to provide the documentation and nothing has been provided. I have also requested the information from XXXX and they were unable to provide the information as well.
Product: Debt collection

i called collection company multiple times and let them know it was fraud and they won't resolve
Product: Credit reporting or other personal consumer reports

I am writing to formally report a case of identity fraud that has severely impacted my financial accounts and credit standing. I request your assistance in resolving this matter and ensuring that the responsible companies address the issues appropriately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an extension of my previous complaint with XXXX XXXX and TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed with Americollect regarding a derogatory entry they are reporting on my credit reports. In my letter to them, see attached, I specifically stated that I was disputed their claim and that validation was requested. I further requested that the provide me an agreement that stated their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. 

To date, I have received no correspondence from Americollect. My certified tracking receipt, ( see attached ) ; XXXX was received by Americollect on XX/XX/XXXX at XXXX XXXX Americollect has had 51 days to provide a response to me and have yet to respond to me. Per consumer law, a company must respond within 30 days to a dispute. Since Americollect continues to report this inaccurate entry to each of the bureaus ( see credit report ) and has blatantly failed to respond to my dispute, they are violating my consumer rights and further impacting my creditworthiness. This entry must be DELETED immediately. Further, I would like a copy of the correspondence sent to the bureaus to remove this entry from my reports.
Product: Credit reporting or other personal consumer reports

from XX/XX/year> through XX/XX/year> the following EXPERIAN inquieries where made to my account without any authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

I canceled my boost Your Score on XX/XX/year> and was told by the XXXX of XXXX I should receive my refund.Yet nothing I called then was told by the end of last week..I 've been calling and they keep hanging up on me.They owe me {$350.00}.
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 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 an 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: Debt collection

I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. 

I called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. 

I am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items 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 item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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, 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.