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 {$0.00}. 
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 XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX, FL XXXX XXXX EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXXXXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX - XXXX XX/XX/XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 1

5 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Debt collection

XXXX XXXX XXXX Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

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 ) 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 above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The Experian and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX ASSOCIATES XXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Midland XX/XX/XXXX placed a ( collections ) notation on my consumer report without my knowledge or written consent.
Product: Mortgage

I was in Bankruptcy and my mortgage was sold by XXXX XXXX XXXX to Fay Servicing. When I received notification from Fay Servicing I called and set up my account online with them. I made a payment and told my rep that I would like to set up a repayment plan for the arrearages. I was told to fill out modification paperwork which I did and submitted on XX/XX/XXXX. After that they would no longer accept payments from me. I asked them to just resume payments and give me 12 months to pay off the arrearages. My Rep said he could do that after I completed the modification process, he said even if I did not qualify for modification he could get 12 month arrearage payback accepted by Fay. After countless calls and emails to my rep to finish this up all I ever got was requests for more documents and I was told everything had to be in before they would review my application. Finally after more phone calls and emails to my rep and submission of many documents over and over because they claimed they never had them I received a letter from Fay on XX/XX/XXXX stating they had a complete package and would get back to me within 30 days. On XX/XX/XXXX I received a letter from Fay saying they need additional documentation which I sent to them. They confirmed that they had everything needed. After a couple weeks I had not heard from them and I called to find out what was the status of my application. I was informed that I had now been transferred to a new rep for the third time. She explained that they now needed additional documentation and I had to get it to them by XX/XX/XXXX. I sent it to them on XX/XX/XXXX. On XX/XX/XXXX I found out they had put my Mortgage up for auction date of XX/XX/XXXX. Again I called Fay and was told that since my mortgage was listed for sale and we were within 38 days of the sale that they would no longer consider me for modification.
Product: Checking or savings account

Financial Institution : USAA Federal Savings Bank I called USAA on XX/XX/XXXX due to 10 overdraft fees of {$29.00} each appearing on my checking account within XXXX. I was suprised by this because I never received fees before. USAA said they sent notifications via documents on the mobile app before XX/XX/XXXX stating they are making " auto changes to over draft fees '' that automatically enrolls the consumer to overdraft protection unless they opt-out. I told them it was immoral and illegal to change a service without the consumer receiving proper notification that I knew of the changes and most importantly, I consented to overdraft protection. This has put my account negative - {$700.00} and my husband has been laid off in recent months. I told them that President Biden and the CFPB have launched the Over Draft Protection Act of XXXX that states the bank must have consumers " opt in '' and have consent before they legally start over drafts. Additionally, banks are limited to one fee per month and up to 6 per year. I was charged 10 OD fees and only was granted XXXX OD refunds. I spoke with someone in the CEO office and they said they will call me back but I deserve to get my money back. I never consented to " opt-in '' to OD protection and this is illegal to auto enroll " opt-in ''. I now saw the letter and attached it. Please help
Product: Payday loan

Received a letter in the mail from civil complaint services on behalf of Ace Cash Express. Letter identified me as the defendant and stated that I was being charged with fraud and for debt collection. Letter stated that I could call their XXXX number to resolve matter or I would be served papers. I do n't recall having a payday loan through this company and if I did, this is the first letter I have received about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, I noticed that there were unauthorized accounts on my credit report that weren't opened by me. I filed a Identity theft report. All matters regarding those accounts have been resolved. Experian has since blocked my credit report and will not allow me or other creditors to access my report. Also, when I have been approved for other credit based on the evaluation of other credit bureaus such as XXXX or XXXX, Experian has notified creditors that there is identity theft on my credit report and this has resulted in accounts that I have been approved for being closed. 
Recently, on XX/XX/XXXX, I purchased a new XXXX from XXXX XXXX. I submitted the application with my state issued identification and other required documents and I was approved at the dealership. The transaction was complete and I drove away with the car. However, I was notified on XX/XX/XXXX, that due to identity theft reported by Experian, I would have to complete a identity theft affidavit and XXXX XXXX demanded that I turn my car in to them. 

Please help me to resolve this issue. Experian has created so many difficult situation for me regarding credit. I have tried to contact them and have them to remove any fraud alerts and remove the identity theft status from my credit file and they will not respond. If Experian has my file in their consumer affairs department and they have my file blocked, they need to remove my consumer credit file from their consumer affairs department and unblock my file immediately.
Product: Credit reporting or other personal consumer reports

I Noticed that there is a lot of States on there requesting information about my Credit I have Only Lived In Kansas, Missouri and Okla that's it. Also My Name is XXXX XXXX XXXX XXXX. 
I might be subject to someone stole my identy cause I don't have any Loans Out For Car 's. The Two Car 's I have are paid for. I do know that My Information is on the Dark Web and I don't know how to get it off of there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and Experian regarding inaccurate reporting of 4 accounts. 
1. XXXX- 3 late payments reporting 2. XXXXXXXX XXXX- 5 late payments reporting 3. XXXXl XXXX - 6 late payments reporting XXXX. XXXX XXXX XXXX collection reporting The credit cards XXXX  XXXX XXXX and 2 XXXX  XXXX accounts. I spoke to several representatives about inaccurate reporting and invasion of privacy. According to 15 US Code 1681 it is the consumer reporting agencies grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Because they are being paid to report these derogatory items they are not reporting fair and accurately and have not fulfilled their duties to re-investigate requesting physical evidence but only accept the payment and re-using the initial documents these creditors send them while neglecting the law, my right to privacy and basically accepting these payments as bribes and extortion to hurt my name and credit score. Also, as per 15 US code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party meaning any financial transactions between me and any financial institution. The creditor is sending financial statements even after I have opt-out and exercised my right of non-disclosure and after speaking with both CRAs they refuse to comply to federal laws. I want these accounts updated to never late and paid on time as a resolution. 

XXXX XXXX XXXX- I have no business with this collection agency. They have not send any physical evidence such as a written contract between this business or me. there is no trilateral contract including this company between XXXX, myself, and them. Please have this account removed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Upon receiving a Special unemployment Forbearence with Wells Fargo, I was advised that at the end of the forbearence period I would receive a modification to obsorb the delinquent amount. I have been denied a modification after two years of applying. My loan has now been referred for foreclosure. Wells Fargo received, accepted and returned several payments for XXXX prior to the foreclosure. ( see CFPB letter )
Product: Payday loan, title loan, personal loan, or advance loan

I have XXXX XXXX with automatic payment every month, for a year there have been no issues. The last 2 payments Im told did not go through and they charge me {$25.00}. The next day they call me for payment and it processses without problem, they are stealing money with lies of payment processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account which was a medical debt with XXXX XXXX XXXX that 's completely paid off but has not been removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inquireies with the CRA 's and with the companies. they came back verified. wen requesting proof i have yet to receive actual proof. i have filed an idenity teft report with the ftc as well the following inquiries are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

IMC CREDIT SERVICES are accusing me of a medical debt that was paid by worker 's compensation insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.
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 rigths to privacy and confidentiality under 15 usc 1681. 

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXX 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, credit repair services, or other personal consumer reports

I was affected by the data breach and my information was compromised. I also had a mixed file. I have taken the additional steps an placed a fraud alert on my reports. I have disputed this information with all 3 bureaus and the information has been removed from the other 2. I never applied for credit with these companies nor did I authorize any to pull my credit.
Product: Credit reporting or other personal consumer reports

I have identified an account on my credit report that doesnt belong to me, which I suspect was added due to fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is hard enquiry addded to my credit report on the XXXX XX/XX/2022 from XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I want it to be removed I do not know anything about it. 
On the XXXXXXXX XXXX XXXXXX/XX/2022 an Enquiry was added from XXXXXXXX XXXX XXXX 
XXXX account was added but it is an old account I want it to be removed. 

XXXX XXXX was added as an enquiry I want it to be removed I am not responseble for this Old account XXXX XXXX XXXX was added I want it to be removed it was closed. 
XXXX XXXX XXXX XXXX XXXX XXXX was added as an account I do not recognise this account I want it to be removed from my report. 
Also XXXX XXXX XXXX I do not know this enquiry I want it to be removed XXXX XXXX was cloced years back I want it to be removed. 
XXXX XXXX XXXXXXXX XXXX XXXX I also want that account to be removed it just recently added without my knowledge