23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hi, I've been in touch with Chase multiple times. I still have concerns that my chargeback from early XXXX ( XX/XX/2020 ) for XXXX for {$220.00} is being denied and not being seen as valid. There was a 30 day 100 % refund guarantee that the vendor won't honor. They keep trying to tell me there is a no refund policy, but it clearly states even in the paperwork that Chase sent me after the first investigation that I have 30 days to refund ( see attachment below page XXXX ). After purchasing the program, I wasn't satisfied and at that time realized that others also had many issues with this company. I appreciate your help and understanding in remedying this matter.
Product: Credit reporting or other personal consumer reports

Demand for Permanent Deletion of Unauthorized Accounts Under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, This is a final demand for the immediate and permanent deletion of the following unauthorized accounts : XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX I have never signed a contract or provided a wet signature authorizing these accounts. This constitutes a violation of 15 U.S.C. 1681b of the FCRA. You have 48 hours to remove these accounts or I will initiate arbitration through the XXXX XXXX XXXX ( XXXX ). 

Failure to comply will result in legal action. 


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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Prepaid card

I contacted the Blackhawk Network company regarding a {$200.00} Visa gift card that I purchased. 

The company an be contacted at XXXX XXXX XXXX, XXXX XXXX, XXXX NV XXXX. 

I attempted to use the card and was told that it had been drained, and has no value. 

The card was purchased thru the mail, and and has not left my home or possession. I assume that the card information was as a result on a fraud on the Blackhawk Network. 

I informed the company of this and they have not responded, after 1 month.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items 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 items are 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.
Product: Credit reporting or other personal consumer reports

This is XXXX request under FCRA XXXX ( A ) ( XXXX ) ( XXXX ). 
Your office has never sent me the information I am requesting and you are in violation of FCRA XXXX, therefore this is a new request for the PROOF that supports your reporting to Experian a Date for account to be XXXX XX/XX/XXXX when I have documentation from XXXX XXXX  that you purchased the alledged account that states Date of Last Payment as XXXX XXXX which would make Date of First Delinquency be XX/XX/XXXX which is the date that triggers the 7 Year reporting period. 

XXXX XXXX knows or should have known this account has been ILLEGALLY REAGED! 
According to todays Experian Credit Report dated XX/XX/XXXX it appears your agency has illegally verified my re-aged account dispute again because as of today XX/XX/XXXX account is no longer under dispute and remains on my Experian Credit report as XXXX XXXX XXXX XXXXXXXX. 
Allow me to inform you that I keep very careful records each time your agency verifies my dispute and will seek monetary relief for each time your office verifys knowing or should have known account date to be removed is reporting inaccurately and knowing full well that you did not provide PROOF, but continue to report inaccurate information and then verify on a legally binding document ( ACDV ) in total disregard of FCRA and FDCPA laws. 

How can XXXX XXXX  report the date to be removed as XX/XX/XXXX when the Date of Last Payment was reporting XX/XX/XXXX by XXXX XXXX  and I have document with their letterhead stating Date of Last Payment as XX/XX/XXXX. 
This is a new request for information under FCRA XXXX ( A ) ( XXXX ) ( XXXX ) for documentation for to send me regarding the purchase agreement with XXXX XXXX. Additionally, this is also a newrequest for complete statements from the beginning of alledged purchase up to the end of alledged purchases showing ALL payment amounts etc. regarding this alledged account. 
XXXX XXXX is reporting a debt that has been illegally re-aged and I vehemently request monetary relief via CFPB or XXXX. 
Portfolio Recovery can save time and money by forwarding me a postal Money Order for the Amount of {$2000.00} due to Re-Aging violation under FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER YEARS OF ON TIME PAYMENTS, XXXX XXXX XXXX CHARGED ME FOR A LATE PAYMENT WHEN I WAS NOT LATE ON MY PAYMENT. I CALLED AND TRIED TO FIX THIS SITUATION AND THE COMPANY WAS VERY RUDE AND UNWILLING TO HELP A PROBLEM THAT THEY CREATED. I ASKED THEM TO PLEASE FIX THE ISSUE AND THEY WOULD NOT AND THEY CLOSED MY 2 ACCOUNTS. I NOW HAVE A CLOSED ACCOUNT WITH A LATE PAYMENT ON MY CREDIT REPORT THAT WAS NOT SUPPOSED TO BE THERE.
Product: Mortgage

MR COOPER mortgage company in XXXX, TX is my mortgage company. My name is XXXX XXXX and I requested for assistance and was told I needed to fill out a form in XXXX via phone call. I was told everything was on hold until the results came. Time pass and I get no form just a letter saying to send income statement of w2 so I sent it and was told no form was to be filled out and I was good. More Time pass and now I need to fill out the form that I was initially told i was getting in the mail and then that I didn't need it, but now I need to fill it out after the third encounter wasting more time. Late fees accumulated and i see a default on my online account and im confused because I was told everything was on hold so I was misinformed and poor communication on their part by not giving all the information to make the best choice for myself and not sending important paperwork that I was told I need, then I don't need it and now I do getting the run around. My credit score dropped over 100 points and if I knew it would not be on hold and my credit would drop I would've never done it. It showed over 30 days late and we are waiting on them and I keep being told one thing and they're delaying the process by not giving me accurate information and giving me what I need. The form was never mailed so I had to go online which it wouldn't even allow me to fill it out on. My last call with Mr Cooper XX/XX/23 at around XXXX XXXX I was told no matter which plan I got it was going to drop my credit and I dont want to do either plan. I will just work harder to pay it up to date and today I made one mortgage payment and next week I'll catch it up. I'm upset because had I knew this from the start i would've never even tried to do this but I was assured everything was on hold. It's not fair and I'm upset they never sent the forms that caused more wasted time increases the days of late payment that was supposed to be on hold. I would appreciate some help with this situation. My credit was over 700 I worked so hard to get there and by misinformation and lack of efficiency on sending documents my credit which I value has been damaged PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claimed that XXXX XXXX XXXX reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my XXXX card XXXX XXXX XXXX XXXX. 
XXXX placed a {$86.00}, reversal of the fraudulent charge credit XXXX granted me while XXXX investigated my claim that XXXX made this charge fraudulently. I received a letter from XXXX stating that XXXX agreed to reimburse my XXXX card for the {$86.00} Fraudulent charge. XXXX then reversed the fraudulent charge credit, placing this as a fee, on my XXXX card, even so this card was, at that time, already closed by me. XXXX claimed that the XXXX crediting my XXXX  card would take my closed XXXX  balance to XXXX. 
XXXX XXXX not credit my canceled XXXX. Prior to the " fee '' coming due, I contacted XXXX customer service ( for the fourth time on this issue ), informing them that there was a demand from XXXX for me to pay this XXXX XXXX customer service agreed with me that I will not be required to pay this fee. XXXX made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my XXXX card. This resulted in a substantial reduction in my credit rating. XXXX erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX   XXXX {$1100.00} XXXX  XXXX XXXX  XXXX {$860.00} XXXX XXXX   XXXX {$470.00} XXXX  XXXX {$1800.00} XXXX XXXX  XXXX {$3500.00} XXXX XXXX XXXX  XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX {$2700.00} XXXX  XXXX  XXXX {$630.00} XXXX XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1700.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has been placing a debt on my credit reports since XX/XX/2016 of a bill that is not mine. I have called billing and even sent them a cease and desist order. They in turn send the bill to the collection agency of Transfinancial last year and removed it and now as of XX/XX/XXXX it is back on my credit report as a collection. This is not my debt but a debt of someone else. I called XXXX XXXX XXXX XXXX   XXXX billing and they said they removed my name from the bill but will not contact the collection agency to have the bill removed. I asked them for a letter stating the account was being removed from my name and they refused to send me a letter. I called the collection agency and they stated they refused to remove the bill from my name even though I explained to them it is not my bill. The representative told me that she was not removing the bill and said she was going to ruin my credit. I told her that that was not legal and I worked for a law firm and advised her that her company could be sued for purposely not removing the account that is not mine.
Product: Credit reporting or other personal consumer reports

I discovered fraudulent collections for an account that is not mine from a state utility bill a state that Ive never lived in or live now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX XXXX XXXX late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. XXXX has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and XXXX is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. XXXX states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This evening, I discovered inaccurate accounts on my credit report, and I have no clue how they got there. When I checked my report, as usual, I noticed unexpected discrepancies. I refreshed my browser to see if it was a glitch, but the inaccurate accounts remained. Therefore, I request a thorough review of the documents I've sent to ensure this issue is resolved permanently.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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: Student loan

I am a homeowner currently attempting at refinancing on a better rate in order to afford my monthly payments. 
On XX/XX/2021, a call was made to FedLoan Servicing to verify my monthly payment in order for to qualify for the rate. XXXX, a third party, and myself, were on this call and confirmed total of {$33.00} as per the XXXX XXXX XXXX plan. 
I soon found that lenders at XXXX XXXX needed me to be out of forbearance and a written letter to further verify and document this amount. 
On XX/XX/XXXX, XXXX of 2021, I contacted Fedloan Servicing again and was told the {$33.00} was in fact the amount I would need to start paying to opt out of forbearance. In order to provide the letter to XXXX XXXX, I had no choice but to opt out of forbearance and prove this amount. I spoke to multiple " loan counselors '' who again confirmed the XXXX amount and asked for a letter to send to my lender, which was not provided. XXXX # XXXX and XXXX # XXXX of Fedloan Servicing were the last two people I spoke with that confirmed yet again, the XXXX monthly amount due after opting out of forbearance. I made a payment of XXXX on the day this amount was due, XX/XX/2021. 
Today, XX/XX/2021, I am beyond stressed and distraught as there is an amount of {$180.00} due and a status of delinquent. This week was going to be the week my documents would go to the refinance loan underwriter once I collected this last pending document stating the amount I had verified of XXXX, but will surely be denied because of the time I would need to fix this issue. My rate lock will expire a week from now and by the time this complaint is received and processed it will be too late. 

Another note worth mentioning is I am currently under the XXXX program with only XXXX months being credited as payments out of the XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to my letters I sent on XX/XX/2020 regarding unauthorized inquires that are being reported on my credit report. Up to this day 47 days later I have not heard anything back from any of the bureaus regarding their investigation. My dispute regarding this matter has gone unanswered and I feel as if I'm being ignored. It has been well over 30 days and to my understanding of the FCRA Section 611 ( A ) the bureaus have 30 days from receiving the notice to investigate these items and if not verified remove them from my credit report. I want these unauthorized inquires removed from my report promptly. These items are affecting my credit and I want these inquires deleted or I will file for litigation due to the stress that I have been put through. My information was compromised by the data breach from XXXX and has gotten into the hands of the wrong people.
Product: Debt collection

I received a letter from a company, Pro Collect stating that I owed {$2000.00}. I have no idea who Deposit IQ is and I asked for verification and validation with a signed agreement between me and Deposit IQ. I received a settlement letter instead. This has been ongoing for 3-4 months. The major credit bureaus have reported the dispute as verified, although, I do not know what proof they have. I have no knowledge of this debt.