23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : XXXX {$8700.00} Opened XXXX, XXXX GLOBAL LENDING SERVICES {$4800.00} Opened XXXX XXXX XXXX I did not make the charges listed above. I request that you remove all fraudulent charges and any related fees, send me an updated and accurate statement, and close the account. I also request that you stop reporting the inaccurate information to credit bureaus. 
I have enclosed my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent items related to your company. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when providing information to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent d Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Debts to another party for collection.

Please investigate this matter and send me a written explanation of your findings and actions. Sincerely,
Product: Credit reporting or other personal consumer reports

Ohio XXXX and XXXX dependences on Experian as identity verifier. A Rep tried 1 1/2 hrs with me over phone earlier today and failed to verify my identity, which exactly matches my own separate personal similar experience with attempt to verify myself for more than a year XXXX XXXX - an experience shared repeatedly via my previous phone conversation and emails. 

In fact Experian 's failure to protect us from data breach is focus of a recent article my security expert, XXXX XXXX : https : XXXX Thank you for making Experian accountable XXXX 
XXXX.
Product: Credit card

I called the company to correct the information on my account, but the rep was borderline rude and did not want to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed them XXXX on a previous address I did not live in since XX/XX/XXXX of XXXX. I paid all my bills once we left and never was aware of an unpaid bill until I received an alert on XXXX XXXX. I then received the letter. I responded to the letter and mentioned why did they report it to my credit reports then send out a letter and not let me take of it after I researched if I owed it or not and if I owed it I would pay it. They reported me without giving me noticed or 30 days to resolve it. After speaking with them the next day I called to resolve as I could not find anything that far back that I paid it so I told them if they send a letter stating they would delete from all 3 credit bureaus I would pay it. They agreed and sent me the letter then I paid it on the XXXX of XX/XX/XXXX. I have attached proof. I have tried to dispute but they came back Verified and not changes????? But, if they did they would see the letter I sent from them and payment? Please remove from all credit reports. 

Thank you!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Illinois FCRA Identity Theft Fraud Laws DeaXXXX MIDWEST ACCEPTANCE, I am writing to address a severe violation concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as Illinois identity XXXX fraud laws, particularly XXXX ILCS XXXX. 

It has recently come to my attention that MIDWEST ACCEPTANCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stipulated in the FCRA, explicitly requires consumer consent for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Furthermore, Illinois state law, specifically XXXX ILCS XXXX, underscores the seriousness of unauthorized access and misuse of personal information, particularly in cases of identity theft. 

I affirm unequivocally that I have not provided consent for MIDWEST ACCEPTANCE to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and a clear disregard for federal and state laws.

I demand, without reservation, that MIDWEST ACCEPTANCE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Illinois identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Illinois state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect that MIDWEST ACCEPTANCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and the fraudulent information being reported on my credit file continues to harm my credit reputation. I am submitting this appeal to CONSERVE in order to request that the following inaccurate and fraudulent information be blocked from my credit report. The associated FTC report number for this case is XXXX, which includes details of the fraudulent accounts. Upon review of my credit record, I have identified multiple suspicious and likely fraudulent entries, including accounts that were opened without my consent or approval. These entries appear to be false and without any legitimate authorization from me. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to demand that these fraudulent entries be promptly removed. I request that you take immediate action to ensure that the information being reported on my credit file complies with the requirements set forth under FACTA, specifically Title 1, Section 151, which mandates that all information provided to credit reporting agencies must be accurate and verifiable. I am filing this complaint to ensure that these inaccuracies are addressed and removed from my credit report in accordance with both federal and state consumer protection laws.
Product: Debt collection

I am having a dispute with a former landlord, I sent my dispute and I never heard back. Then I received a call from a collection agency on a large amount of money, when I told the collections agent that I was in dispute with the landlord, I was yelled at and told that I have to party my bills. 
The landlord is charging me for things that were wrong with the apartment when I moved in, they are also charging for replacement of items that were never replaced. I have a copy of the move in sheet and they are refusing it. 
The complex is just wanting money, and I have documentation that I should not be charged for these items. 
This collections is keeping me from renting another residency.
Product: Credit reporting or other personal consumer reports

XXXX I do not accept your offer of a Bident-Harris loan federal loan forgiveness in which is illegal in this case because the federal consolidation was terminated XXXX by the U.S Department of Education General Counselor . ( 2 ) The Biden-Harris federal student loan forgiveness plan is for federal lenders XXXX your federal consolidation loan was not orginated from a federal lender. ( 3 ) The U.S. Department of Education does not own the federal consolidation loan. ( 4 ) The borrower for Biden-Harris federal student loan forgiveness have to apply and I did not apply for a federal student loan forgiveness plan. I do not need a federal student loan forgiveness. ( XXXX ) XXXX remove my I dentity from a Biden-Harris federal student loan forgiveness because it consist of your fraud. XXXX do not apply my name on any document without my consent. XXXX you are not my student loan servicer. XXXX the U.S. Department of Education wrote XX/XX/XXXX for no student loan servicer to service the federal consolidation. XXXX the federal consolidation never had a a federal lender and was rejected by the U.S Department of Education General Counselor on XX/XX/XXXX before your fraudulent Biden-Harris federal loan forgiveness in which I did not consent nor applied for. The XX/XX/XXXX termination of federal consoldation loan still stands. XXXX immediately remove my identification from your fraudulent Biden-Harris federal loan forgiveness in which I did not consent and you have no authority on this federal consolidation. XXXX I repeat you are not my student loan servicer and if you have any problems XXXX send your Agreement between the XXXX Department of Education for XXXX to service the federal consolidation loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and there are address on there that I dont know where they came from. Ive never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX. 

My correct address is : XXXX XXXX XXXX XXXX WA, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Transunion failed to send me evidence of the accounts in question.. XXXX XXXX ( MULTIPLE ENTRIES ON MY CREDIT REPORT ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, and XXXX  XXXX
Product: Mortgage

I listed my home for sale in 2012, and had a HELOC with Bank of America. Since I moved out of the property and had issues selling the home, I fell behind on my payments and opted for loan modification/short sale/deed-in-lieu options. I repeatedly filled out forms, supplied the necessary supporting financial documents, and B of A did not respond. When I finally was able to secure a buyer for a short sale, I again filled out the forms, and B of A persisted in being uncooperative and would not approve the sale. 
This continued repeatedly for several years, as no less than three qualified prospective buyers came and went, eventually giving up and withdrawing their bids due to B of A 's delays. My RE seller agent even contacted our local representative for assistance but to no avail. Eventually, the RE company no longer wanted to represent the sale because of the issues incurred by B of A. Even when a RE investment company offered to purchase the deed, B of A would not allow the deed transfer and now the matter is going to court. Meanwhile, there is a lis pendens on my property and I am now facing foreclosure and damage to my credit. All this could have been avoided had Bank of America not led me to believe that there were actually alternatives to foreclosure as they stated in several mailings.
Product: Debt collection

Received a debt collection letter from midland credit management , Inc on XX/XX/year>. The debt its inaccurate and incorrect and I send the dispute for the validation of this debt.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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

Best Buy Credit Card Services debited my checking account an unauthorized amount of {$1000.00} on XX/XX/18. I called them on XX/XX/18 at XXXX to find out why. They advised me it was a promotional offer that had expired and that interest was added on to my account because I didn't pay off the promo rate. I believe this offer was misrepresented. I advised them that I only authorized them to take out a {$100.00} automatic payment from my checking account each month and I never authorized them to debit my checking account {$1000.00}. They advised me the payment was properly taken out of my checking account based on the minimum payment I owed. I was transferred to a supervisor. She advised me again the amount was properly deducted & that she would expedite a request to send back {$900.00} plus to my checking account in 3 to 4 business days. She also inquired if my address was correct. I advised it was not and I provided the updated address. She then stated that she would remove the interest and allow me til the end of the month to pay off the promo. She also advised she would remove the automatic payment. I called back on XX/XX/18 at XXXX. I was transferred to the Dispute department. I was advised : 1. ) the returned deposit to my checking account was not expedited & still scheduled to take 7 to 10 business days 2. ) my address was never changed like I was advised 3. ) most importantly, my automatic payment was not  cancelled on XX/XX/18 like I was advised ( which would have automatically been taken out again had I not called back ). The specialist on XX/XX/18 advised she would expedite the request to have the funds returned in 3 to 4 business days, she removed the autopay & updated my address. I called back on XX/XX/18 at XXXX to follow up. I was advised that the funds should be deposited in 7-10 business days from the original request date which would be XX/XX/18. I explained that I was advised on two ( 2 ) occasions that it would be expedited. The specialist I spoke to advised me there is no expedited timeframe & it takes 7-10 business days and the request is processed in the order they came in. I requested to speak to a supervisor. She advised me she is a supervisor. I then requested a copy of my automatic withdraw form to confirm that I only authorized a {$100.00} payment out of my checking account each month. The supervisor advised me there is no form because I either requested it online or via the telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical office keeps indicating that I have a new bill that I dont owe them.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of a canceled debt by your company. It has come to my attention that your company has failed to comply with the requirements outlined in the Internal Revenue Code ( IRC ) section 6050P, which governs the reporting of canceled debts to both the Internal Revenue Service ( IRS ) and the debtor.

Upon reviewing my credit report, I discovered that a debt owed to your company has been reported as canceled or forgiven. However, I have not received a Form 1099-C, as required by law, to report this canceled debt to the IRS and to me as the debtor. This failure to comply with IRC section 6050P not only places your company in violation of federal tax laws but also has serious implications for my credit report and financial well-being. 

As a result of your company 's non-compliance, I am demanding the immediate removal of the XXXX from my credit report. The inaccurate reporting of this canceled debt is unjustified and misleading, and it adversely affects my creditworthiness and financial standing. Furthermore, the failure to provide the necessary Form 1099-C deprives me of essential information needed for accurate tax reporting.

I urge your company to take swift action to rectify this situation by : 1. Removing the XXXX from all major credit bureaus ' records, including XXXX, Experian, and XXXX. 
2. Providing written confirmation of the removal of the account from my credit report within 15 days from the date of this letter. 

Failure to comply with this demand will result in further escalation of this matter, including but not limited to filing complaints with relevant regulatory authorities and seeking legal recourse to protect my rights as a consumer. 

Please acknowledge receipt of this letter and provide confirmation of the actions taken to address this issue. If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Aside from being a predatory lending company with inflated interested rates. Navient has disabled my account and made it impossible to log back in. I 've called them multiple times trying to resolve this but they refuse to help. I have absolutely no access to my account, I can not pay them, and nobody in customer service can help me. I 've also submitted complaints via email and social media. They also call me day and night, disrupting my work day and upsetting my employer. They call at night when I am sleeping and on Holidays. They are relentless. I can over over XXXX missed calls in 30 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is crucial that you promptly eliminate this incorrect account from my record.
Product: Mortgage

My buyer used XXXX XXXX with Homestead Funding Corp as his lender. He was never given a closing disclosure with the final, approved numbers on. The buyer spoke to XXXX on Friday XXXX and asked what amount to bring to closing. The buyer was told that because they are so busy, he will not have that amount until the day before closing. I had a walk-through with the buyer at the property the day before closing at XXXX XXXX. At that time, he was still not given a closing disclosure or told the final approved amount to bring to closing. He reached out to XXXX and got no response. I then emailed the title company handling closing and was told they were still waiting on the information from the lender. Our closing was scheduled for XXXX XXXX  on Wednesday XX/XX/14. Around XXXX XXXX   Wednesday, I received a closing disclosure from the title company and immediately sent it to my buyer with the understanding from the title company that they were still working on finalizing it as their numbers and the lenders did not match. I feel this is absolutely a TRID violation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. i recently learned that my personal information was used to open and try to open accounts that i did not authorize. 

XXXXXXXX XXXX ( this whole account is fraudalent and should be removed ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( inquiry ) XXXX XXXX XXXX
Product: Mortgage

I have been working with Wells Fargo since XX/XX/2020 on a 15 year refinance. I continue to provide all of the information that they request. They continue to stall and then underwriting requests more information. I am locked in at XXXX XXXX 
I have had to call different banks for information that Wells Fargo is responsible for. 
( subordination letter XXXX. 
I don't understand why this is taking 10 months and i have spoken with the VP twice now and he also stated that is should not take this long, but has no explanation as why. 
I believe they are stalling and trying to have me give up, since the rate is so good and rates are going up. 
I just want to close and move on. 
Can someone please reach out to Wells Fargo and ask them what is taking so long. 
Thank You, XXXX XXXX,
Product: Checking or savings account

XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX SSN : XXXX Phone : ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Re : Dispute error on consumer report Dear checking account reporting company, I am writing to request an investigation of the following information that appears on my checking account consumer report : - XXXX/Account No : XXXX / XXXX - Source of dispute information : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Type of disputed information : Reported information as attached - Dates associated with item being disputed : XX/XX/XXXX - Explanation of item being disputed : The report shows that I was suspected of fraudulent activity when in fact, I was the victim of a scam not the perpetrator. 

Thank you for your assistance. 
Sincerely, XXXX XXXX