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

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

Not properly investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXXXXXX 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

XXXX XXXX  has not been updated on the credit report in over 90 days. The correct balance is XXXX and account closed. The loan id number is XXXX and Experian is still reporting this with a balance of {$570.00} and last updated XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to send stall letters and never provides updates to my credit file. 

I am applying for a mortgage and have asked them to provide an updated report removing incorrect payment history and remove old outdated information.
Product: Credit reporting or other personal consumer reports

3rd Notice : Identity Theft.

Identity Theft Victim 75-60. Title. This Article shall be known and may be cited as the " Identity Theft Protection Act ''. ( XXXX, XXXX. XXXX. ) Experian Conducted Sham Investigations on My Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
, I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what XXXX XXXX XXXX. I am requesting the fraudulent items are removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Balance : {$1800.00} ; Opened Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Balance : {$750.00} : Opened Date :XXXX 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After discovering this unauthorized activity and receiving mail about these erroneous collections, I took steps to protect my credit files and identity to prevent more damages. I have communicated with furnishers via certified mail on several occasions. Despite this, I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual you contacted for verification purposes. The fraudulent information has impacted my credit report, causing considerable psychological stress
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear XXXX I am writing to formally request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you block fraudulent information appearing on my consumer credit report. This fraudulent information consists of accounts, hard inquiries, and collections that I did not authorize, and which are the result of identity theft. 

Specifically, the following accounts are fraudulent and were not opened or authorized by me : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Account Number : XXXX ). 
A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Account XXXX : XXXX ). 
A personal loan account opened at XXXX on XX/XX/XXXX ( Account XXXX : XXXX ). 
A credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2900.00}. 
A credit card account opened at XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. 
In addition to these fraudulent accounts, several hard inquiries and collections have appeared on my consumer credit report, which are also the result of identity theft. 

I have attached a list of the hard inquiries in question, along with a copy of my consumer FICO credit report maintained by you, which reflects the aforementioned fraudulent accounts, inquiries, and collections. I do not recognize any of these accounts, collections, or hard inquiries, and I affirm that none of these transactions were initiated or authorized by me. 

All of the accounts, collections, and inquiries listed above are the result of identity theft and fraud. For your reference, I have also attached a copy of my FTC Identity Theft Report ( Criminal Complaint # [ private case number ] ), which serves as official proof from the U.S. Federal Trade Commission that these items are fraudulent. 

I request that these fraudulent accounts, inquiries, and collections be blocked from my credit report within 4 business days, as required by law. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that the fraudulent items have been removed from my credit report. 

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

( name and address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX. I spoke with company XXXX Lexington Law on XXXX to cancel withdrawal of {$130.00} they waited until XX/XX/XXXX putting my XXXX XXXX account ( # XXXX ) putting my SSI account into overdraft .after I told them not to and they agreed. They did what they were supposed to protect me from.in my haste I didnt get a reference number.
Product: Checking or savings account

My checking account from Citibank was unjustly put on freeze with an amount of $ XXXX the 7months now. I have called the bank several times with no help from them
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information on Credit Reports Dear CFPB, I am writing to formally address the issue of inaccurate information reported on my credit reports by XXXX, Equifax, and XXXX. These inaccuracies have caused significant harm to my financial standing and overall well-being. 

Despite my repeated requests to have erroneous data removed following the Equifax data breach, the inaccuracies persist. As a confirmed victim of this breach, my personal information was illegally accessed, sold, and used fraudulently. As a result, the following unauthorized accounts were added to my credit 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  These inaccuracies have severely impacted my credit score, caused financial distress, and led to emotional distress. Despite Equifaxs admission of the breach and my submission of supporting documentation, no effective measures have been taken to rectify this situation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair credit reporting. The continued presence of these fraudulent accounts on my credit reports is a violation of my rights under this Act. 

I am seeking financial compensation for the following damages : 1. Emotional distress caused by the data breach and its aftermath. 
2. Financial losses resulting from higher interest rates, denied credit applications, and other credit-related hardships. 
3. Any legal fees incurred during my attempts to resolve this matter. 

In addition to the requested financial settlement, I am demanding the immediate deletion of the unauthorized accounts listed above from my credit reports. 

I expect a response to this letter within 30 days from the date above. If this issue is not addressed promptly, I will have no choice but to pursue further legal action to protect my rights. 

Enclosed, you will find documentation that proves my status as a victim of the Equifax data breach and the subsequent inaccuracies on my credit reports. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX Enclosures : 1. Documentation of Equifax data breach victim status 2. Evidence of inaccuracies on credit reports 3. Correspondence records with Equifax, XXXX, and XXXX
Product: Vehicle loan or lease

I recently requested a 30 day quote to purchase the XXXX  XXXX XXXX from the current lease I have on it. I requested a quote to purchase it as an individual and as a company as I own two auto dealerships. Ally Financial quoted me {$33000.00} to purchase it as an individual and {$55000.00} to purchase it as a dealer. I believe this is completely unacceptable and in violation of the lease agreement. I shouldn't have to pay more to buyout the lease just because I own an auto dealership and I'm wanting to purchase through the company I own. I would like to come to an amicable resolution so that this does not get escalated to the XXXX XXXX XXXX XXXX Court system.
Product: Mortgage

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccurate accounts with Experian, XXXX  and XXXX  that are listed on my credit report ; XXXX/XXXX  - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XXXX-XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XXXX! I have no made a payment to this account since XXXX. The creditor has re-aged this account and Experian & XXXX repeatedly says this account is verified and accurate! 
( XXXX  did delete this account ) XXXX  XXXX XXXX  XXXX  - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but Experian of course says again it is accurate and " verified. '' XXXX   XXXX  - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! 

I have disputed the above accounts with Experian, XXXX  & XXXX   on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports!
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. 


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: Debt collection

Collection attempts still being made after chapter XXXX by this specific collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I was XXXX XXXX XXXX XXXX XXXX, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI  and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 6. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also reque
st that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

At present, I have made three ( 3 ) payments to my Sofi Personal Loan. Each payment includes an additional payment to the Principal by including two separate checks in a certified envelope to Sofi.

One check for a regular payment of {$810.00} as agreed upon and the other check for a principal-only payment of ( 1 ) {$2000.00}, ( 2 ) {$4000.00}, and the 3rd payment of ( 3 ) {$2000.00}. A grand total of {$8000.00} has been sent toward the principal. 

I recently reviewed my statement and noticed that Sofi has been applying my regular scheduled payment of {$810.00} as a principal payment. Thereby taking any additional funds as interest payments and applying the rest to the principal. 

An example : Principal Interest Total XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1600.00} {$360.00} {$2000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$3600.00} {$360.00} {$4000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1500.00} {$470.00} {$2000.00} My initial Loan was {$42000.00} at a rate of 11.491 %. 

XXXX? ( whose manager is XXXX ) assured me that the figures come out correctly. And that there are " no errors to correct. '' For transparency she is incorrect. Principal only payments should always be applied to the principal. Interest and principal payments should only be applied from the agreed-upon scheduled payment of {$810.00}. 

I asked them to correct this error but to no avail. Notice the different amounts in principal payments when I sent an additional {$2000.00} for XXXX and XXXX payment. 

Please reach out to them and ask if they could correct the errors in my statements.
Product: Credit card or prepaid card

We were offered a promotional 0 % transfer on our Amazon Chase card that we have held since XXXX. This is our primary credit card where we pay our balance off every month to avoid interest. We took the transfer to pay down some of a recent home equity line. We were given 12 months to pay off the transfer at the 0 %. we did XXXX and had a transaction fee of {$370.00}. 

However, when we started to pay our card the first month of the loan i noticed the payments were only being allocated to the balance transfer and not to our purchases that month. i called Chase to see how I could pay the new purchases first and then allocate the overage to the transfer portion since it is reflected in a different area on our statement. 

I was informed that I have to pay off the entire transfer and then the new purchases to avoid any interest on my new purchases. I was told that was in the very long disclosure. The spending behavior I have demonstrated for 13 years clearly shows that we do not intend to pay interest at 17.74 % on purchases. I am very upset by the way this is handled and the advertisement indicating a 0 % with a transfer fee. I was OK with the transfer fee and completely understand it, however I do not think I should be penalized twice for this transaction that was advertised as 0 % for 12 months. 

We took this transfer on XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX, a personal trainer and principal owner of XXXX XXXX and XXXX, contacted me on XX/XX/2023, to let me know that he was crediting me for services I had not used prior to the pandemic. I initially asked if I could come in an train to use up the credits but XXXX informed me that he was no longer operating in XXXX XXXX. So, I asked him to send me a check and documentation for the sessions. He said he could not do that and said he needed the card I had initially used to pay for his services. I no longer have that card and have since paid off its balance. Initially, I had no reason not to believe him so I gave him my debit card info to credit my account. He then said there would be a debit to verify the account, but the amount he quoted was way more than a standard amount for verification. I told him not to do it and asked him to check with his company/accounting department/software manager to see if a check could be issued to me. He said he would get back to me. After I hung up, I had a sense that something was wrong so I called him back and left a voicemail, asking not to process the transaction and to send me a check instead. He didn't call me back. Since the transaction didn't go through ( I locked my card for a week for extra protection ). 

Last Wednesday, XX/XX/2023, I awoke to find alerts on my account asking me to verify {$8000.00} ( {$2000.00}, {$3200.00}, {$2800.00} ) in debits made by XXXX XXXX and XXXX on my account. I called Bank of America ( three times ) to tell them that these charges were not authorized, only for them to tell me that the {$2000.00} and the {$2800.00} went through ( the {$3200.00} was reversed, probably because I didn't have enough money in my account. At the time I called BofA and while I was on my mobile app, all three charges appeared as still processing. If they were still processing, and I verified them as not authorized, why did BofA allow them to go through? What's the point of having alerts for fraud, if the alerts do not come through timely enough for me to respond. I have no protection here. I have complained to BofA in the past that their system for calculating balances and processing debits and credits are delayed. This puts accounts in jeopardy for overdrafts, which leads to accrual of unnecessary fees. In my case, it didn't allow me to see debits on my account, that were noted as processing, but on their back end had already been processed. 

A few years back, I had debit card fraud on my account and I received temporary credits for the amount that was debited. This time around, BofA did not offer temporary credits. Why not? Because it's not their money that was lost? 

Currently, I have a fraud investigation and complaint with BofA re : how this was handled currently pending. I also filed a police report and am awaiting the report number. I also have found information about how this person has been able to defraud two other people within the last two weeks, so I will also file a complaint with the NYS Attorney General 's office. 

I want BofA to credit monies to me as I responded to alerts that were not sent timely to prevent my my loss.