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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/2024 navy federal closed my account no text, call or email was sent prior to the event at hand. there was one email saying the account was closed temporarily. but upon calling the account was closed permanently. initially i was shocked and stressed because I have a good relationship with this bank my office space rent comes out of my account each month along with other things. I speak highly of them especially helping clients build credit. Now I was unaware that this bank was not 1099 friendly. on XXXX XXXX XXXX XXXX XXXX XXXX sent me a XXXX  of XXXX ( which did not deposit ) into my account the intent for this was for promo and marketing. which is just XXXX of the many duties i have there I am a XXXX 1099 employee with this company which is only a seasonal gig XXXX - XXXX XXXX & XXXX are busy for this company due to benefits ending and then starting right back up XX/XX/2024. I've reached XXXX  transaction many times before with this company and now its the reason my account closed. I spoke with the manger over payments and they said everything good on there end nothing was flagged they offer to make a statement on my behalf.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and fraud has occurred involving my personal information. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B 15 U.S.C. 1681c-2, I formally request a fraud block to be placed on my credit report Accounts listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

There are late payment showing on my account. I have never received a notice that I am late nor have I receive a statement, via mail or electronically, showing my balance or when payments are due. I have contacted the company to have my on-line account activated but have not receive a response. I 've been told to contact several departments. I 've been paying over the required amount to have overage applied to principle balance and I should have paid it off. My credit report shows I have {$800.00} balance.
Product: Credit reporting or other personal consumer reports

Experian has denied my disputes several times when it is within my legal right to have to debt thats isnt mine removed from my credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX Subject : Dispute of Account Information Not My Account / XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally dispute the information reported to the credit bureaus regarding my account with XXXX XXXX XXXX XXXX XXXX account number XXXX, originating from XXXX XXXX XXXX and a balance of {$1900.00}. This account does not belong to me, and I assert that I have no knowledge of this debt. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Bureau ( CFPB ) regulations, along with other applicable state laws regarding credit reporting inaccuracies and identity protection. 

The account referenced appears to contain inaccurate or fraudulent information, and I am disputing it on the grounds that : XXXX. This is not my account and I have no contractual relationship with XXXX XXXX or XXXX XXXX XXXX XXXX. 
XXXX. FCRA Section 1681i : Grants me the right to dispute any inaccurate or incomplete information reported to the credit bureaus and requires that you conduct a reasonable investigation. 
XXXX. FCRA Section 1681s-2 : Requires that furnishers of information, including XXXX XXXX XXXX XXXX XXXX ensure the accuracy of the information provided to the credit bureaus. 
XXXX. CFPB Regulation 12 CFR 1022.40 : Mandates that furnishers must provide accurate and complete information and correct any disputes within 30 days. 
XXXX. FCRA Section 1681e ( b ) : Requires that consumer reporting agencies maintain the maximum possible accuracy of information in a consumers credit file. The inclusion of inaccurate or fraudulent information violates this provision. 

As this account does not belong to me, I request that XXXX XXXX XXXX XXXX immediately remove this account and balance from my credit report and provide written confirmation that this entry has been deleted. Additionally, I request full validation of the debt associated with this account, including a detailed explanation of the debt, verification from XXXX XXXX, and any documents supporting the accuracy and legitimacy of the reported information. 

If you are unable to provide the requested documentation, or if the information can not be properly verified, I demand that you immediately remove the account from my credit file in compliance with FCRA Section XXXX ( a ). 

Please consider this dispute seriously and comply with the XXXX investigation period as stipulated by law. Failure to comply with these regulations may result in further action on my part, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the credit bureaus. 

Thank you for your prompt attention to this matter. I expect a written response, including documentation, within the legally required XXXX period. 

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

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to follow the response given in complaint CFPB XXXX. I called the number XXXX as directed to try to get my account unfrozen, to try to close the accounts. 

The number goes to " XXXX XXXX XXXXXXXX XXXX ''. I just want my accounts closed and am not able to do so. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sent a certified letter to Equifax on XX/XX/2020 and have not seen any progress on the removal of the fraudulent credit application. All the other credit reporting companies have followed up and remove said dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is inaccurately reflected in my credit report. I recently reviewed my credit report, and it is only showing on my XXXX account. Please provide evidence of the charge-off and update the balance to {$0.00}, or remove the negative payment status for this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$1100.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account XXXX XXXX XXXX  XXXX on XX/XX/XXXX EQUIFAX MORT on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX EQUIFAX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX  on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX VIA DEALER on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I was a victim of XXXX in XXXX XXXX he was taken also in XXXX Unemployment sent me a letter saying my identity was breached also with XXXX my identity was breached and with this RV company I just got a letter my identity was breached the only things I should be on my credit should be a paid off XXXX with XXXX XXXX totally paid off XXXX XXXX XXXX  credit card for XXXX hour limit almost paid off XXXX XXXX almost paid off XXXX XXXX almost paid off that is the only stuff that should be on my credit report I on my own home I owe nothing on it I owe no bills I never had any and Im very upset I am XXXX years old and I should have great credit I paid off all my vehicles I have I paid off my home never been in trouble nothing and Im going through this my credit score should be so high big due to the fact that I paid off two cars with cash bought a house paid off my credit cards and I only should have two store credit cards and one for XXXX card and I noticed theres a lot more on my credit reports that it supposed to be there and I want it removed because this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Never had any type of account with this Creditor. I would like to be provided with Documentation of the account that is currently reflecting on my credit report. I am requesting that this account be Verified as accurate through a replicable source outside of the XXXX XXXX.
Product: Mortgage

In XXXX 2013 I did a loan modification due to being delinquent in my house payments for approximately 6 months. Since it was thru Wells Fargo Bank everything was done thru the mail. On a {$84000.00} loan, I was required to take out a second mortgage for {$32000.00}. I 'm certain some of that was because I was {$6000.00} arrears but it was never explained to me what the additional {$26000.00} was for. I do n't have any documents showing itemization. I have asked many times and even put it in writing for copies of all loan modification documents from XXXX 2013 but today the bank has n't complied. Their phone number is XXXX XXXX XXXX XXXX. Thank you for your help in this matter.
Product: Payday loan

I took a loan out with this company for {$400.00} in XX/XX/XXXX. Upon review of my loan documents, I did not realize that this company is charging me an annual percentage rate of XXXX % which is XXXX % per month. I also checked the MD Office of the XXXX of XXXX database to see if this lender is a licensed payday loan lender in the state of Maryland and they did not come up as a licensed lender. Also according to the website, " payday loans '' and other small consumer loans are generally subject to interest rate limitations under Maryland law. For loans under {$6000.00}, the maximum allowable annual rate is XXXX %, though loans under {$2000.00} may have a rate up to XXXX % based on a scale specified in the statute ( statute that governs this is MD Code Annotated Commerical Law 12-306 ). See http : //www.dllr.state.md.us/finance/consumers/comppayday.shtml According to the loan documents ( as attached ), by the time I pay the loan according to their payment plan, I will be paying {$3700.00} which is almost ten times as much as the original loan of {$400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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: Vehicle loan or lease

I am writing to dispute an inaccurate remaining balance that appears on my credit report due to a data breach involving my personal information. This dispute is being filed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which provides for the removal of information on credit reports related to data breaches.

My personal information, including [ list types of exposed information such as Social Security number, credit card number, or bank account details ], was compromised in a data breach that occurred with [ name of company/organization responsible for the breach ]. As a result of this breach, incorrect information related to a remaining balance has appeared on my credit report.

The remaining balance listed on my account with [ creditor 's name or specific account ] is incorrect and likely the result of unauthorized transactions or fraudulent activity connected to the data breach. I am requesting that you investigate and update the information on my credit report, including the removal or correction of the following : 1. Inaccurate Remaining Balance : The balance listed on my account does not reflect my actual outstanding debt and may be due to fraudulent charges or unauthorized use stemming from the data breach. Please review this balance and ensure it is corrected to the accurate amount. 
2. Fraudulent Activity : If there are any other accounts or transactions that appear to be linked to the breach, please investigate and remove any fraudulent information associated with these accounts.

To assist with this dispute, I have attached the following documents for your review : * A copy of the notice or communication I received regarding the data breach, confirming that my information was exposed.

* A copy of my identification ( e.g., drivers license, passport, etc. ) for verification purposes.

* Any additional documents such as account statements or correspondence with the creditor that may help clarify the correct balance.

I respectfully request that you complete the investigation and provide an updated credit report reflecting the corrected remaining balance and any other necessary adjustments. The FCRA requires that this process be completed within 30 days, and I would appreciate your prompt attention to this matter. 
Please confirm receipt of this letter and keep me informed of the status of the dispute. If you require any additional information from me to resolve this issue, I am happy to assist. 
Thank you for your time and attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We contacted IC Systems and we mentioned a credit check that was done on XXXX/XXXX/16 through XXXX. They could not find check in the system. We spoke to a manager, they mentioned they would not remove credit check. They said it was not their responsibility.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX XXXX, 2015 I wrote a letter to XXXX XXXX XXXX XXXX XXXX requesting proof that this account belongs to me. To provide me with a copy of any contract sign by me with XXXX XXXX regarding this collection account. They never responded and last week I received a letter dated XXXX/XXXX/2015 from Crosstown Law informing me that they now represent XXXX.
Product: Credit reporting or other personal consumer reports

Victim of fraud. My Information has been sold to the dark web. XXXX reported Ever since someone has been trying to fraudulently using my identity I Have been trying to contact XXXX regarding fraudulent inquiries but no answer due to high call volume. These are the unauthorized Inquires on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I paid Tesla {$500.00} as an 'order fee ' for a XXXX  Tesla XXXX XXXX  facilitated via the Tesla used inventory webpage online.At the time of placing that order, I applied for financing through Tesla , and was given a quote of a 7.99 % interest rate. All of this was done online, then I was instructed to don load the Tesla app and the remainder of car buying process would be XXXX XXXX XXXX. 

After down loading the app, I submitted the requested documents and told when they finished processing my application I'd be prompted via the app to move forward and make my payment, then the vehicle would be prepared for delivery. 

A few days later ( I believe XX/XX/XXXX ) I received notification in the Tesla app to make the down payment for my car. The prompts gave only the option for TeslaFinancing as the payment method for the remaining balance on the car ... .. naturally, I thought I as agreeing to finance through Tesla , since thats what I had applied for. 

I completed the process and made an ACH transfer of {$20000.00} and the loan documents were supposed to be available thenext day. Tesla is obviously a well known company and I never second guessed any of the process because .... it was Tesla. Theday came I was supposed to pick up my car and I still didn't know anything about my payments or have any documents aboutthe loan. 

So, I texted the 'delivery team ' asking about my loan information, explaining I wasn't comfortable taking possessionof a car that I didn't know anything about the financing or terms of my ownership. The Tesla representative I spoke to emailed me a very simple 2 page paper, it was vague and provided no actual details otherthan the interest rate was 12.99 %, not 7.99 % and was with an alternate lender. 

I immediately reached back out to Tesla asking about the changes, explaining I was never asked to accept new terms oragree to change any details. In fact, when placing my order online, the possibility of not being eligible for the interest ratequoted was never disclosed. I was never notified about a problem with my application and wasn't given the opportunity toprovide a larger deposit or a co-signer or to unwind the deal all together. 

I NEVER ACCEPTED or SIGNED THE NEW LOAN TERMS. I NEVER GAVE AUTHORIZATION TO SIGN MY NAME ELECTRONICALLY.I took possession of the vehicle, didn't even know where to submit my payments to. I had to contact the regional manager several timesbefore I was given access to the actual loan documents, onceI finally did see the paperwork, the date and time on the loan applicationwas late in the evening the same day of pick up .... which was well over a week from when I applied for the Tesla financing. 

Had I of been notified of the change in eligibility of loan terms I would have tried to negotiate or not moved forward with the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian Credit Bureau to remove 3 accounts that were opened fraudulently and are now close. this accounts even though they are now close still hurt my reputation as a consumer since they are reporting negative information on my credit file. 

The accounts are as follow. 

XXXX XXXX XXXX, XXXX Closed XXXX XXXX XXXX XXXX. XXXX Closed XXXX XXXX XXXX.  XXXX Closed I asked experian to block this accounts on the basis of FCRA section 605B which states " a consumer reporting agency shall block the reporting of any information that resulted from an alledged identity theft, not later than 4 business days after the date of receipt by such agency. I have enclose XXXX XXXX XXXX Police Fraud Case Report - XXXX to prove that a fraud case is on file. 

XXXX Consumer Solutions has remove this accounts from my credit file why is Experian refusing to follow Federal Law?
Product: Debt collection

By letter dated XXXX XXXX, XXXX and received on XXXX XXXX, XXXX ; LVNV Funding ( letter attached ) notified me in writing " ... if you notify us in writing within 30 days of receipt of this letter ... we will obtain verification ... provide it to you. WE WILL CEASE COLLECTION ACTION UNTIL WE SEND YOU VERIFICATION. Letter dated XXXX XXXX, XXXX ( copy attached ) and Signed Receipt by LVNV Funding dated XXXX is attached. I notified LVNV Funding in writing effective XXXX XXXX, XXXX that i disputed the Debt and they were to provide me validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA bars any further collection activity until the validation has been sent. A letter dated XXXX XXXX, XXXX ( letter attached ) from XXXX XXXX XXXX XXXX XXXX XXXX is attached stating the LVNV Funding had assigned the delinquent account to them for collection. Further, LVNV Funding has continued since the XXXX XXXX, XXXX receipt of Dispute and Request for providing validation IAW FDCPA to report the Debt as a collection action to all XXXX Credit Reporting Agencies. LVNV 's assigning of Debt XXXX XXXX XXXX XXXX XXXX XXXX and their subsequent action without first validating the debt since requested in XXXX are express violation of the FDCPA. Also this is a TIME BARRED DEBT!