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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : TransUnion : A XXXX late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
XXXX : A XXXX late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ). 
Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days before the payment due date. 
Reference to XXXX ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting. 
Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action. 
Enclosures Copy of credit report with highlighted inaccuracies. 
Payment records proving timely payments. 
Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XXXX for XXXX<
Product: Debt collection

Complaint filed on XX/XX/XXXX with original company - they continue to send me collection letters from different credit companies. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX (  approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. Former complaint number : XXXX. Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing regarding this debt and has placed it on my credit reports for all 3 bureaus. 

Texas Surety bond information as required by Sec. 392.101 -  my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Student loan

I continue making extra payments and they keep applying to interest on loan. 
I feel Great Lakes is a predatory loan company. 
At this pace I will never get out from under my student loans. I keep sending money and my balance only grows despite me paying more then the minimum.
Product: Credit reporting

I saw that I have a collection from XXXX XXXX XXXX. I paid this and settled at least 2 years back. 

Thank you, XXXX XXXX
Product: Debt collection

I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) .Without my direct consent CHASE AUTO FINANCE have used my credit card number 15 USC 1602 ( i ) aka social security number for its own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ), CHASE AUTO FINANCE mailed me a statement constitutes a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 1 ), CHASE AUTO FINANCE did not have apparent authority to use the consumer 's credit card or open-end credit plan. Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited, adverse credit report is also prohibited. I am demanding and entitled to Documentary Evidence pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Chase is refusing and failed to provide documentary evidence.

CHASE AUTO FINANCE said they will report the alleged debt account to my consumer credit report without my written consent as mandated under the FCRA will violate my consumer right under 15 USC 1681b ( a ) ( 2 ) and my privacy under 15 USC 1681 ( a ) ( 4 ), false deceptive under 12 CFR 1006.18 ( c ) ( 1 ) Pursuant to 15 USC 1692j CHASE AUTO FINANCE is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. Not revealing the name and address of the original creditor CHASE AUTO FINANCE is involved in a False or Misleading Representation pursuant to 12 CFR 1006.18 ( e ) ( 1 ) failed to disclose that they are attempting to collect a debt. And willfully not disclosing the name and address of the original creditor.

The Truth in Lending 12 CFR 226.15 Right of Rescission states the consumers have up to ( Three ) 3 years from the date of the consumer credit transaction to rescind any consumer transaction, if the required notice or material disclosures were not delivered. Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest directly or indirectly to CHASE AUTO FINANCE.

Pursuant to 12 CFR 1006.6 ( c ), Im demanding that CHASE AUTO FINANCE cease all further communication and all collection efforts have being terminated.
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 tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

For now, I believe there are still accounts with my file that need to be updated. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ive written a letter to chexsystems requesting to provide information showing the validity of a derogatory account showing on the report. They were not able to furnish proof and refuse to remove the account from my report after several attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I received a debt collection notice in the mail that I owed {$710.00} for XXXX XXXX XXXX. It does not state what this debt is for, only that it is in collections for this amount as of XX/XX/scrub>/2025. This came from The Receivable Management Services LLC. I called the number, XXXX and asked what this was for. He told me it was for a workers comp claim and for XXXX XXXX XXXX XXXX. I informed him that I have never been injured at work in my life nor my husband as this was directed to both of our names. I did have XXXX XXXX for home owners insurance and XXXX for boaters insurance. I called XXXX XXXXXX/XX/XXXX and they informed me that this was fraudulent and that nothing was filed in their system about this. I did not call The Receivable Management Services LLC back as I am nervous of what additional things they can take from me for information. This is a serious problem and hopefully is not impacting my credit in some way. Please shut this place down from doing this to someone else and they will in fact pay it.
Product: Credit card or prepaid card

1. ) I have a total of XXXX unauthorized transactions withdrawals totalling {$2700.00}. 
XX/XX/2022, I had a balance of {$1100.00} in my XXXX Bank of America XXXX debit card account. The next day while at the ATM, I checked my balance to find out there was only {$47.00} on the debit card. I filed a claim and was told that I must have created a link to transfer the funds. I stated that I had never transfered or created a link to the account during the entire time on unemployment benefits. A unauthorized transaction withdrawal of {$1100.00} was fraudulently processed into an unknown account. So, XXXX BofA sent me a new card. 2. ) XX/XX/2022, a deposit of {$810.00} was placed into my account approximately XXXX pm. I received a email approximately XXXX am stating {$800.00} had been transferred into a unknown account. I did not authorize the transaction neither did I set up a link to my XXXX BofA XXXX debit card account. I thought the unemployment benefit funds would be safe due to having a new card. I filed a claim and disputed the unauthorized transaction withdrawal that was processed into the unknown fraudulent account. XX/XX/2022, I created a link to my XXXX BofA XXXX debit card account. I successfully transferred {$800.00} to my BofA checking account ending # XXXX. 3 ) XX/XX/2022, {$810.00} were deposited into my XXXX XXXX BofA debit card account approximately at XXXX. I tried to create a Link to my BofA checking account but the mobile app was malfunctioning, sending me around in circles. I was being directed to identity verification, card control settings, to fraud alert. The mobile app would not let me create the link to transfer funds to my BofA account. Approximately XXXX, {$810.00} unauthorized transaction withdraw was processed into an unknown fraudulent account ending # XXXX. Even, after having my XXXX XXXX XXXX debit card.. I am a victim of identity theft.
Product: Debt collection

Utility company has sent a debt to collections that was not mine and I never lived at address to have services, Im positive if that was my information it was fraudulent obtained and used please remove those debts from my credit reports
Product: Debt collection

LJ Ross and Associates had the audacity to buy an old, inaccurate debt they claim is mine and slap it onto my credit report without proper validation. They never had any prior relationship with me, yet they tried to collect on this bogus amount. When I exercised my rights under the FDCPA and demanded debt validation, all they sent was a useless letter with nothing more than a utility companys name and addresshardly proof of anything! 

To make matters worse, when I disputed this fraudulent entry with all three credit bureaus, it somehow came back as validated. This is completely unacceptable. LJ Ross and Associates have no legitimate basis for reporting this debt, and I will not tolerate their reckless damage to my credit. I demand the immediate removal of this collection from my credit reportsfailure to comply will leave me no choice but to escalate this matter further.
Product: Student loan

The student loan company, Navient, capitalized interest on my account after graduation and the XXXX month grace period. Also, Navient failed to properly acknowledge and timely process by annual renewal for the XXXX plan. I sent several emails and called numerous times that all are documented for this to process. Nonetheless, Navient capitalized my interest again because they finally realized it was their mistake and processing. They did reverse the capitalization. In addition, my payments are not going towards principle but towards unpaid interest. I should be allowed to allocate my auto payments towards all principle first. By not allowing this, Navient and the governement are receiving more compensation for the interest accrued.
Product: Credit reporting or other personal consumer reports

On XXXX, I reported a {$300.00} unauthorized transaction stolen from my card to Chime Bank XXXX I provided evidence that I paid the XXXX XXXX XXXX XXXX for that night, and a worker there attacked my room 's privacy and stole {$300.00} from my credit card. 
Chime customer service blocked the card and informed me within 48 hours I would be refunded for the unauthorized transaction. But until today XXXX, I didn't get a refund, and every time I call they say we are investigating! or give a false promise of refund and I didn't get my stolen money. 
I need your help to get my refund back and investigate Chime for their negligence in dealing with our money. I feel very frustrated.
Product: Checking or savings account

SIM card swap fraud stole XXXX from my Bank of America account using XXXX. Been corresponding non stop with Bank of America who initially denied the transaction as fraud due tot he fact that we use XXXX and that XXXX uses a phone confirmation to approve the transaction. After multiple calls and visits to the XXXX store that I purchased my new phone from ( who I believe is responsible for stealing the money bc the guy told me there was no SIM card in my old phone and like a buffoon, bc I knew there was, I just let him keep it ) found out during the time the money was transferred, there was a sim swap from my new phone to my old phone. Long story longer, I resubmitted the fraud claim with Bank of America as they instructed by faxing over the sim swap fraud info from XXXX and whatever else they asked for. They received the info and said We should have a response between XX/XX/XXXX and XX/XX/XXXX. I did call them multiple times within this time period to try to get updates, at which time they told me there was no way to connect with the part of the company that manages these issues as there are no phone numbers to reach them. A couple times the customer service person was able to connect with this part of the company and confirm they in fact has my info and were working on it ( I guess ). XXXX has come and gone and still nothing. Ive called several times since XX/XX/XXXX and was told various things ; weve done our part and are Now waiting for the recipients bank ( XXXX XXXX ) to investigate it and try To get your money back and also, we have no way of finding out where in the investigation they are. They will get back to you once its settled. So this is multi layered and very upsetting. The local police dept cant do anything bc they just dont have the capacity to investigate these things ( although I did file a police report ). The police dept in the town that the XXXX store is in says to wait until my money is returned before I file a report so not to impede upon us getting our money back. The XXXX guy who stole from me ( I have more details about how obvious this is ) and bank Of America giving me the run around about getting me my money back. I need help. Its super frustrating and upsetting that I was stolen from ( and a healthy amount of money at that ) and i feel helpless and like I am the person that did something wrong. Its so upsetting
Product: Debt collection

CREDIT COLLECTION SERVICES have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt.

13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.

17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$200.00} {$18.00} {$97.00} {$45.00} {$430.00} {$38.00}
Product: Checking or savings account

I bank with Chime and I live in XXXX XXXX XXXX Utah. On XX/XX/XXXX there were XXXX ATM withdrawals at a XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX at XXXX p.m. for {$300.00} and another at XXXX p.m. for {$350.00} I noticed this immediately contacted chime who said they couldn't do anything until it was out of pending except cancel my card. When it was out of pending I asked them to please look into this they said they would and this was on a Sunday that same Sunday they said case closed we didn't find any fraud. I filed a police report with the XXXX XXXX XXXX Police in Florida Chime never requested to see the report, they claim that it's not fraud because I said I had my ATM card and that my PIN number was memorized. I have no idea why this seems to be a reoccurring thing with Chime and I know that {$650.00} isn't a lot to them but it's a lot to me, this practically ruined me I sent them screenshots of where these withdrawals took place according to their app. I can't believe how they absolutely refuse to refund any of my money and do a thorough investigation. I filed the police report so that XXXX XXXX XXXXXXXX can pull that footage at Chimes request, however chime will not make the request. I wish they would because then they would see it wasn't me!