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 {$160.00}. 
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/2020 and the subsequent response received on XX/XX/2020 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.

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Product: Credit card

Chase bank illegally closed my account, and also falsely lied about crediting a dispute of {$220.00} to my account when in reality there are NO credits of that amount to my account. Then, after ilegally closing my account they have been charging me fees of over {$60.00} a month for the past year, which wouldn't have taken place either if my account had remained opened like it was supposed to. Lastly, the total amount they want me to pay them now has added up to {$1200.00} which I won't be able to pay because I don't earn enough to pay that and also because they don't deserve any of my money after how they treated me.
Product: Credit reporting

I have an alleged XXXX account for XXXX on my Transunion credit report.I have disputed this account several times with Transunion as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Transunion credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XXXX DOFD - XX/XX/XXXXTransunion DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Transunion is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Transunion responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.
Product: Student loan

Although I'm on the XXXX plan, on XXXX XXXX I received a notice from Mohela of {$310.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my Trans Union report the following number need to be removed ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time these reporting companies are in violation of 15 U.S. Code 1681a. Section 2 ( A ) The code states as follows. 

( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
This states any collection account or accounts bearing late payments on my report is transactional in fact and also are a reflection of an experience shared with the the creditor then forwarded to you without my knowledge I haven't given any consent to disclose this information on my report. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX
Product: Debt collection

Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with Arco Collections ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to XXXX XXXX being late 30 days. 
The monthly payment on the loan was 280.00. The loan was being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. ( 1 ) XXXX XXXX XXXX XXXX XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX. ( 4 ) XXXX. ( 5 ) XXXX XXXX. ( 6 ) XXXX. ( 7 ) XXXX  XXXX XXXX. ( 8 ) XXXX XXXX XXXX ( 9 ) XXXX  XXXX. ( 10 ) XXXX  XXXX  XXXX. ( 11 ) XXXX XXXX XXXX. ( 12 ) XXXX  XXXX. ( 13 ) XXXX  XXXX. ( 14 ) XXXX  XXXX XXXX XXXX. ( 15 ) XXXX XXXX XXXX XXXX  XXXX. ( 16 ) XXXX XXXX XXXX. ( 17 ) XXXX XXXX XXXX XXXX ( 18 ) XXXX XXXX XXXX ( 19 ) XXXX XXXX. ( 20 ) XXXX XXXX. ( 21 ) XXXX XXXX XXXX. ( 22 ) XXXX XXXX. ( 23 ) XXXX XXXX  XXXX XXXX. ( 24 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an authorized inquiry for the last 90 days, an inquiry that I did not authorize. No response back from credit bureau and it is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure but my ssn was compromised somehow. I have received notices in regards to an Experian data leak and Im aware that me using unsecured Wi-F connections may have made my personal information open to identity thieves. I am a victim of of identity theft fraud. I have notified the connections agencies/original creditors several times. I have not in any way received goods or services from these companies and I have provided my law enforcement report from the Federal Trades Commission. Documents have been submitted to all bureaus.
Product: Checking or savings account

Opened a new checking account online. Made the deposit needed to and received account number and routing number for the new checking account. Made cash deposits thru one of my local branches. Went back in to get my debit card. The gentleman started to do the debit card, I even selected my pin. As he was looking at my account I see 2 large transactions that I didn't do. They said DEBIT on XX/XX/24. 2 transactions. He tried calling his back office to find out what they are. He gave me a phone number to call and have explained to me. The phone number was for someone with an existing account. At that moment I don't have an account. I had a balance of appropriate {$4500.00}. He told me to call the number and wait for a letter to come in the mail. I received the letter days later, saying that they couldn't open the account for me. They will be refunding all money that has been put in the account that does not exists. Ok, fine so again its a waiting game. I waited over a week before receiving part of my deposited money in a certified check. I should be receiving 2 checks that totaled my deposit amount. Waited weeks for the second check to come. {$360.00}. I was able to call today and speak to someone finally, and he told me that I won't be receiving the second check, it went towards my overdraft fees. Overdraft fees for what account? I don't have an account with Citizens Bank. This bank stole {$360.00} for no reason other then trying to have a checking account with them. I want every penny that was deposited in the account refunded back.
Product: Credit card or prepaid card

On XX/XX/2020, 3 charges in the amount of XXXX each were made during the overnight hours to my child support card. I immediately tried calling the We2Go card ( XXXX ) and was on hold for over 2 hours on 2 separate occasions ( was cut off on their end on the 1st attempt ) and was told that nothing could be done because it was a " pending charge '' and to call back when it posted. In the meantime, I had to use another phone to call and cancel the card and was told that it would cost XXXX for a new card and XXXX for expedited shipping, plus every time I did try and call in to try and speak with someone my average wait time was over 3 hours and they charged me XXXX each call. 

On XX/XX/2020, I called again to initiate a fraud claim and was told I needed to wait for the paperwork to be mailed to me, once filled out a provisional credit MAY be applied after 10 days after the receipt of the paperwork. Paperwork was filled out and faxed back to them to quicken the process and finally on day 12 after confirmed receipt, they issued a provisional credit of XXXX posted on XX/XX/2020. Then on XX/XX/2020, they REVERSED the provisional credit causing my balance to go into the negative. I called them again, 2 hours on hold, and was told that even though the investigation was still pending, they reversed the credit and to wait for written correspondence. I then called back the next day, same response, on the next day they said the investigation was complete and the charges were made by me and not fraud. I asked for documentation that was utilized in that conclusion and they said it could take 3-5 business days before that could be mailed to me and all I could do is take it up with the merchant and see if they will refund my money. As of XX/XX/2020, I am still awaiting this documentation. I have been in touch with the merchant and they are experiencing HIGH volumes of fraud cases with this " bank '' and are working diligently trying to get my money back! 

This " bank '' has caused me over 15 hours of hold time, zero answers on being able to speak with the " investigators '', and I am still out over XXXX for charges that were not made by myself. Please help stop this bank from giving more customers the run around and not honoring the federal guidelines of investigations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy and also The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names. business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681 ), there should be no charge for this report. Your immediate attention to this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear Credit Reporting Agency I am writing to formally dispute inaccurate information on my credit report that I believe in harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by the federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX, Experian and XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously unlocked my credit report to obtain a XX/XX/XXXX business credit card, for my business however i noticed some one tried to open a discover credit card in my name not knowing i alreday have a discover credit card i did not authorize no one to use my name for a discover card or nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report, that credit accounts, credit inquiries and personal addresses that have not been authorized by me, do not belong to me are entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute for the removal of this information from your systems. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 


This is an immediate request for removal and blockage of incorrect information. 





Unauthorized Accounts to be Removed IMMEDIATELY XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$0.00} Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Mortgage

Hello, Once again XXXX XXXX has made a crucial error in handling my escrow funds, this is the second error they 've in the this year. I already had to file complaint XXXX when they misappropriated my escrow funds, and paid the taxes on my entire building ( vs just my unit XXXX even after I proactively went to them. They have the made same error again. 
I live in a new construction condo building, and up until recently the PIN was n't assigned. I know have PIN XXXX assigned to me by the XXXX XXXX XXXX XXXX XXXX IL ), with no tax payment due until XXXX XXXX. I have been paying {$440.00} a month into escrow specifically for taxes, with an estimated annual tax bill of {$5300.00}. XXXX XXXX just sent me an annual escrow account disclosure stating that the county tax is {$23000.00} and annual disbursement is {$26000.00}. They have now doubled my monthly payment telling me this money is owed. This figure is wildly inaccurate as I do n't have a tax balance due nor an established annual payment from the county yet, I can only assume they 're once again basing this payment on the common lot that the property was built on ( XXXX is for the entire Development and not just for my individual Unit )
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name ; XXXX XXXX XXXX XXXX Account Number ; XXXX auto lease Account Name ; XXXX XXXX XXXX Account Number ; XXXX Auto Lease Account Name ; XXXX XXXX XXXX Account Number XXXX Account Name ; XXXX XXXX XXXXXXXX Account Number ; XXXX Account Name ; XXXX XXXXXXXX XXXX Account Number ; XXXX 15 USC 1681 section 602A. States I have rights to Privacy 15USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

COMENITYBANK/VICTORIASECRET Late payment. XX/XX/2023 In accordance with the fair reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to know how my BK chp XXXX was reported and who reported it OR who verified my BK. I wrote each bureau, the BK court and submitted a dispute. The BK court verified with me in a letter that they did not submit the BK info to ANY bureau. I do understand that this is public information but I want to know WHO verified my BK and WHO reported my BK to each bureau. All each bureau will tell me is the information is correct. Well it isn't. I received a letter from XXXX that stated, " A change was made to the Item based on your dispute ''. The court type was missing. So without a Court Type and reporting, wasn't this erroneous reporting? There is also one account on my report that is 13 years old that I have requested to be removed. It was included in the BK but not removed. My main complaint is : tell me WHO verified my bankruptcy and WHO reported it. Why was the Court Type not listed on my BK? Why is there an account still showing on my report, and is still showing in bankruptcy? My bankruptcy is over 8 years old. This communication with me and the bureau 's has been going on for 2 months and I have yet to receive an answer. My request is to have the BK removed as it has been over 8 years. After my research, nothing I have found states that a BK WILL stay on the bureau 's for 10 years. Everything I'm finding states the BK MAY/CAN stay on the bureau 's for up to 10 years. Where is the break? I think 8+ years is long enough. I have proven my new credit options with timely repayment and with no definitive answer from the bureau 's, incorrect reporting with the court type, I'm asking for the BK Chp XXXX to be removed from all three bureau 's. Please let me know should you need copies of the letters or additional information. 

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

I recently reviewed my credit report and noticed account that was not reporting accurately. My student loan accounts that are reported outstanding and no longer outstanding and reporting an open balance, I provided you with my current Loan verification letter from my Lender XXXX my current balance is {$41000.00}. Experian, XXXX, and XXXX are reporting {$51000.00} which is over {$9800.00}. There are {$5500.00}, {$2000.00}, and {$2300.00} that are reporting on my credit each month that I have no balance on, and should be a {$0.00} balance/removed, by law you have to report information that is accurate. Review information and updated my credit report immediately and remove those account/amount off my credit report as they don't match what XXXX loan has, or I owe. You are illegally reporting information that is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/XXXX XXXX