23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/year> Subject : Dispute of Charged-Off Account Request for Correction Dear Credit Bureaus, I am writing to formally dispute an inaccurate entry on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). My name is [ XXXX XXXX ], and my Social Security XXXX is [ XXXX ], and I am requesting your assistance in correcting this matter. 

Upon reviewing my credit report, I noticed a charged-off account listed under [ XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ] with the account number [ XXXX, XXXX, XXXX ]. This account is inaccurately reported as it has already been settled and paid by a third party. I have attached documentation that supports my claim. 

According to the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. The reporting of a charged-off account that has been paid is a violation of this Act, as it misrepresents my credit history and negatively impacts my credit score. 

I kindly request that you conduct a thorough investigation into this matter and update my credit report to accurately reflect the status of this account. Please confirm the resolution of this dispute in writing to my address above, and ensure that any necessary corrections are made to my credit report. 

Thank you for your prompt attention to this issue. I look forward to your response and appreciate your cooperation in resolving this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX of 2020, I went on Forebearance for 12 months with Bank of America. At the time I was told of the different options I had once my forebearance ended. I knew then I wanted to do the Payment Deferral. I was told a month before my forebearance ended I would receive a packet of options which I never received. In XXXX I began calling BofA asking about the Payment Deferral Option. I was told several times that paperwork would be sent in. Again, I would inquire about the paperwork and nothing. Then I was told that they couldn't send in paperwork until after my forebearance ended. Again, XXXX of XXXX I made calls and got no where. Now it's XX/XX/XXXX, I have a negative balance. My last conversation with BofA was that my only option is Modification and since I never received anything saying that I was approved for Payment Deferral that it was probably denied. I asked Denied why? They said it was not a guarantee and it was up to the investors. Talked to Fannie Mae and they said they never received any paperwork and it was up to BofA, so somebody is lying. I don't want a loan modification. I have 11 yrs left and I'm 60. This whole thing is stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Student loan

My server is Navient and this past year 2016 when i sent in all documentation in XX/XX/XXXX or XX/XX/XXXX for a recalculation of my income based repayment payment they started giving me the run around about not having all the documentation needed. I would speak to one rep who would say your payment is XXXX/month then i 'd get a bill for XXXX/month and this went round and round for 6 months with me being left on hold for over 30 minutes to wait to talk to a manager ( i would just hang up after 30 min because no one ever picked up on any call i made ), i would fax what they requested and be assured it would be taken care of only to keep getting bills for XXXX/month plus late fees and when calling i would be told they never received the fax or mailed copies. this went on until i started threatening to report them to any and every federal agency i could find then one day when i said that i finally spoke to a manager who cleared all late fees, and corrected my payment to be XXXX which is what i knew it should have been all along. But then after that the first bill i got was for more late fees and when i called they said it was from something else ( some other payment that was late and my payments were always within the grace period time, they were never late ). I then set up my bank to auto transfer my payments 5 days before due date so they could no longer try and say my payments were late. Even though they resolved my issue, it took 6 months and a lot of XXXX i did n't need and they did get some late fees from me which i should not have had to pay because of what i thought was incompetence but now i know it was just a scam to get money. i have all calls, dates, times and who i spoke with and what i was told all documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX The company ran a credit report under my name, but I never apply for any credit card or loan with this company.
Product: Checking or savings account

Hi CFPB, Regarding : Check # XXXX In the amount of {$370.00} Issue date XX/XX/XXXX UMB Bank failed to provide me with proof of payment : ( XXXX ) A copy of what UMB mailed to the to the merchant ( as the merchant claimed they did not receive the check from UMB ). 
-and- ( XXXX ) If the merchant redeemed the check, a copy of the cancelled check ( back of the check, marked by the depositors financial institution ). 

I requested the above documentation from UMB in XX/XX/XXXX, and followed up numerous times over the past XXXX  months, spending up to XXXX hours on the phone each time answering their questions. Below is a list of some of the calls I placed ; UMB agreed each time, however still failed to provide the documentation : XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hour XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hours XX/XX/XXXX : XXXX hour UMB confirmed the following : XXXX withdrew the funds from my account on XX/XX/XXXX. 
UMB mailed the check to the merchant on XX/XX/XXXX, and included all of the Memo notes. 
Im not able to access my UMB account directly ( as it is an XXXX XXXX Account ). UMB is the bank for the XXXX. UMB is responsible for mailing the check and providing the requested documentation. 
XXXX XXXX XXXX XXXX administers the XXXX plan ( XXXX XXXX XXXX doesnt have the documentation ). 

The merchant put my account in to collections due to no check being received from UMB and no proof of payment documents from UMB ( UMB is aware of this as well ).

Based on my experience, it appears as though UMB has acted unfair and misleading. 

Thank you and best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

2017 I opened my account with Discover Card service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.
Product: Credit card

Barclays XXXX XXXX XXXX XXXX XXXX keeps lowering my credit limit for no reason. I have never missed a payment, always make more than the minimum payment and have the income to support the credit card. I can only assume that there is an issue with age and gender discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity theft and I have credit inquiries on my consumer report I don't recognize or did not authorize. Please see inquiries below : XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX ( BANK ) - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX ( FINANCE ) - XX/XX/XXXX, XXXX XXXX XXXX ( MISCELLANEOUS ) - XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,
Product: Debt collection

The Best Service Company reported a collection trade line to my credit somewhere around XXXX/XXXX/2016. I was never contacted via US mail, email, facsimile or by phone about this. The way I found out about this was from an alert from XXXX monitoring services. On my credit report it has an ID Alert statement with my cell phone. Also in the contact information my mailing address, work number and cell phone are listed and are accurate. Therefore there is no excuse why I was not afforded the opportunity to dispute the matter under the previsions set forth in the governing laws. 

If I was given proper communications a formal dispute and police report would have been provided to them disputing this matter. After pulling my credit last night I 've identified the original creditor. The account they are attempting to collect on was involved in fraud. Documentation was provided to the original creditor almost 4 years ago. 

The CFPB needs to step in and stop this type of behavior with debt collection companies. They should not have the ability to report an account period. Especially in situations like this.
Product: Debt collection

The debt collector has not provided me proper debt validation for this alleged debt. I requested the original contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX with my signature, I requested my payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX & a proof of debt assignment. They have not provided any of this information. Please delete this from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/202XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Bank account or service

Overall complaint about TCF Bank : Unlike some other banks, TCF charges an overdraft fee for pending items even if you have money in your account that should cover a non-pending charge. If there is a pending deposit from the night before, TCF will access a fee if you make a small debit purchase because the money in your account is being held hostage for pending items instead of paying for charges as they are posted to your account. Here is a screen shot of {$200.00} in fees I was charged ( the bank magnanimously returned {$25.00} ). This is some sweet spot of manipulation that TCF has figured out. So while this may be technically legal, ( or is it? ) this is theft of the small hardworking individual who at the moment is fuming.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A, States i have the right to privacy. 15 U.S.C 1681 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal written request to all 3 credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX TransUnion andXX/XX/XXXXon XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.
Product: Mortgage

TMS allied and servbank, You, have been served and are being sued by me. I have subpoena power. But I also get to reduce my cost and request information directly from you. I demand you provide me with the names of the leadership team in XXXX who decided to enforce contract XXXX despite the promises made prior. 

I demand to know the name of the person who authored the XX/XX/2022 letter to me making promises to cancel, remove from credit bureau and remove at insured. 

I demand to know the name/s of the authors of letters and CFPB responses at the lead counsel office. 

If you fail to provide these names then you are forcing me to file subpoenas and once again stealing money out of my pocket needlessly. 

Regards, XXXX XXXX XXXX plaintiff
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 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.
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. 
Account name : XXXX XXXX XXXX, Account Number : 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.
Product: Credit card or prepaid card

To Whom This May Concern ; Someone opened up a TARGET Credit Card in my name. They have my Social security number as well as other important information about me. The card was opened on XX/XX/2020 on line. The TARGET store is located in the XXXX XXXX in XXXX on or by XXXX XXXX. The credit line was {$1000.00}, but only {$100.00} was available and put into the person 's mobile wallet to use. They used {$67.00}. I have NEVER APPLIED for this type of card at this store. I have spoke to a XXXX and a XXXX at XXXX This number is to the TARGET Credit Application.
Product: Checking or savings account

XX/XX/XXXX Usually have an early deposit from my paycheck. Paycheck isnt early. 
XX/XX/XXXX Still no paycheck, but Capital Ones online banking app says they were experiencing technical issues. I called capital one at XXXX pm. Representative states it would be good to go by XXXX PM and if not by end of day. Okay, and its still early. 
Receive email at XXXX pm from capital one stating we should be good by Friday morning while most getting fixed through the night. Okay XX/XX/XXXX Friday morning and no paycheck deposit. And still no more communication from capital one. XXXX AM Easter time and still no money. I could not go to work today as I didnt have gas money to get there. So not only do I need money. Im missing out on the opportunity to get more. 

I need my money as do all their other customers.
Product: Checking or savings account

I had my checking account with Axos Bank suddenly closed with out any given reason I was only made aware of this through an email in which time I immediately called the bank to inquire but was only told they didn't know why but that they had sent me a check for {$990.00} wich was my account balance at the time of the closure. on the XXXX of XX/XX/2022 I was told the check would arrive at the address I had on file with the bank within 3-5 business days. I never received any check of any kind from Axos Bank like they said so on XX/XX/2022 I contacted them to find out what was going on and informed them that the supposed check they sent never arrived. I was then directed by customer service to fill out and sign a document that they would send via email ( a declaration that the check was never received ) and I was given a reply email address to send it back when I was through filling it out and I was told that once I completed this form I would be reissued a new check so I quickly filled it out as requested and sent it back in. I got an email from the bank replying to the form I had sent in and the email notified me that Axos Bank would not be sending me another check because they had already sent one and the sent check had already been cashed. along with the shocking email was an attachment with an even more shocking strange and distorted picture of an apparent check front and back with a forged endorsement signature claiming to be mine. I immediately halted all communication with the bank because I suspect that they may be involved with fraudulently keeping my money and then trying to pass off a very obviously faked check and forged endorsement claiming to be me. I have all original correspondences via email I had with them and will attach them with this complaint to further help with any inquiries if so needed. 
thank you very much in advance for any assistance in helping me out with this.
Product: Credit reporting or other personal consumer reports

I NEVER OPENED A XXXX XXXX XXXX XXXX XXXX AND I DIDN'T GIVE ANYONE PERMISSION TO DO SO. THE ACCOUNT WAS OPENED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I WAS NO LONGER LIVING THERE AT THE TIME THE CREDIT CARD WAS OPENED. I MOVED OUT OF THAT ADDRESS ON XXXX 

( ACCOUNT # XXXX. ) ( OPENED DATE : XX/XX/scrub>XXXX  ) ( AMOUNT {$270.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a contract nor account with the following accounts and they are a result of identity theft and or data breach as follows : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX XXXX  ( XXXX XXXX ) 2 accounts
Product: Credit reporting or other personal consumer reports

I am REWRITING to formally resubmit the complaint to SHEFFIELD FINANCIAL regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. 
My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under XXXX XXXX XXXX XXXX XXXX, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I reached out to XXXX XXXX and Equifax to inform them of an account that is not validated by me and is in violation of 15 USC 1692g. The law states I was supposed to be notified within 5 days and I was not. This is a violation of my rights and I want this removed off of my credit profile, as I am the original creditor and I do not validate this debt. It has been over 60 days since I sent in my dispute and I have not received any responses and I feel as if I am being taken advantage of. This is causing me much distress and I have no other options of getting this removed from my account and I am seeking litigation on this matter, in order to remove this invalidated item off of my report.