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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

I had a charge off from a XXXX Exchange card. The amount of the debt was XXXX. I was garnished XXXX. I paid XXXX in XXXX and {$250.00} every month. With the garnishment and the payments made of to XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}
Product: Checking or savings account

AS PREVIOUSLY EXPLAINED IN A " CLOSED '' COMPLAINT NUMBERED XXXX XXXX XXXX XXXX, A PAID EMPLOYEE AT CHASE BANK FRAUDULENTLY REVERSED {$890.00} DOLLARS OF A {$900.00} DOLLAR PAYMENT THAT I MADE TO XXXX XXXX XXXX ON XX/XX/XXXX. 
AGAIN, I DID NOT MAKE SUCH A CLAIM, AND CHASE BANK CAN NOT PROVE WHY WOULD I DISPUTE ALL OF THE PAYMENT EXCEPT {$9.00} DOLLARS? ESPECIALLY SINCE THIS PAYMENT WAS TO ZERO OUT MY EXISTING XXXX XXXX  BALANCE! 
AS OF XX/XX/XXXX, XXXX XXXX XXXX IS CHARGING ME THE {$890.00} DOLLARS THAT WAS REVERSED UNAUTHORIZED AND HAS LISTED IT AS A, " RETURNED PAYMENT, '' ALTHOUGH CHASE BANK HAS REPORTED TO THIS BUREAU IN THE ABOVE NUMBERED CASE THAT MY CHECKING ACCOUNT XXXX HAS BEEN GIVEN CREDIT FOR THE {$890.00} DOLLARS. 
THE ROOT PROBLEM IS THAT THE FALSE CLAIM SHOULD NOT HAVE EVER BEEN MADE. 
MY PAYMENT MADE SINCE XX/XX/XXXX WAS TAMPERED WITH, AND CHASE BANK IS RESPONSIBLE FOR ITS AGENT IN THE CLAIM DEPARTMENT WHO NOT ONLY PROCESSED THE FAKE XXXX XXXX XXXX  CLAIM, BUT THE FAKE RISE CLAIM FROM XX/XX/XXXX AS WELL!
Product: Checking or savings account

My debit card was locked. Two transactions came out while my debit card was locked.
Product: Credit reporting or other personal consumer reports

FCRA Violation not mine not my credit cards XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8300.00} Status Account charged off. {$8300.00} written off. {$8300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX CT XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX never worked here XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXXXXXX not my XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX AUTO FIN VIA DEALER Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2026
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a collection issue on my eqaufax and XXXX   account from a collection agency called receivable performance mgt for a debt {$12000.00} for XXXX XXXX..i have never had a account with XXXX XXXX, never received a bill with XXXX XXXX or had a contract with XXXX XXXX..this company is notorious of making fabricating for small amounts and putting it on your credit report ..Then extort the money and continue to keep it on your report, in my case there is no debt..pursuant to FDCPA 15 USC 1692 ( e ) a violation that is premeditated and deliberate. XXXX and eqaufax simple accept a debt from a collection agency with a dispictable reputation with out any proof of debt, no contract, they simple enter and these two credit reporting agency report it,, in this case it harm my excellent credit..Which is why this company hope will happened and thus the extortion..pursuant to the FCRA both reporting agencies violate this statutes report a debt that did not arise from a contract or agreement to pay, ..In this case I was never notify of a debt, dont know what the debt is about, never validate the debt nor id themselves as to who they are or what specifically the debt is .Eqaufax and XXXX violate the FCRA without any evidence of a debt.
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way : I dispute the following accounts : 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 I dispute the following address, where I have never lived : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a completed ID Theft Affidavit and a Police Report. All the items I dispute are also circled on the attached copy of my credit report. 

Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX Enclosures : Credit Report, ID Theft Affidavit, Police Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus Transunion, XXXX, and XXXX. Credit Companies are not complying with their own policies in a timely manner.
Product: Vehicle loan or lease

I leased a new Tesla XXXX XXXX and traded in my old Tesla XXXX XXXX. The amount of my trade in value was more than the downpayment required on the lease. That additional money was supposed to be sent to me by check. 

Agreed Trade in Value : {$23000.00} ( see Trade In paperwork attached ) Down payment on lease minus federal tax XXXX XXXX XXXXt : {$11000.00} ( see Lease Agreement ) Amount Due to me : {$12000.00} This additional equity was to be paid to me by check according to the lease paperwork. When I call Tesla, their customer service people tell me that they do owe me the money and but their system shows the status as " pending '' and they can not figure out why. It has been six weeks and I continue to get the same story. I have asked to speak with management, a decision maker, or someone in the finance department but the customer service personnel tell me that it is not possible. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all. <P/>There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
Product: Vehicle loan or lease

Ally Bank is reporting that my account is active when in fact it was paid in full in 2019. There is a balance of XXXX and a late payment reported, that is all inaccurate as the account was paid in full and they mailed me a title. I no longer own that vehicle as it was traded in.
Product: Debt collection

Student loans From Great Lakes and XXXX Are all has been forgiven so its XXXX   and as a good cause please I wish to disputed and please have removed from my credit reports
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has severely impacted both my XXXX XXXX  and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit card or prepaid card

there are several charges on account that came out of XXXX after I already moved to XXXX XXXX I contacted you this morning and wait until everything is settled but they do not want to take responsibility for the issue. I'm already experiencing homelessness because of this. they pretty big card is US Bank ReliaCard which was an option to receive my taxes unemployment benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian is reporting inaccurate information on my XXXX XXXX XXXX, account they are in violation in my consumer rights i was on time with my payment back in XX/XX/2019.
Product: Student loan

On XX/XX/XXXX the Biden Administration announced that all federal student loans from the XXXX XXXX XXXX XXXX XXXX XXXX would be forgiven, due to the unjust and unethical practices of those colleges. I am a confirmed recipient of that forgiveness. I believe that it is ethical that my private student loans through Navient are also dissolved. 

I was told that I could not finish my degree without taking out these private student loans, and I could not afford to not finish the degree. I was also promised a job in the industry making more than enough to pay the loans. However, XXXX over saturated the market and a majority of graduates did not get jobs that could cover their loans. 

I currently have {$47000.00} in private student loans for that same degree. I attended XXXX XXXX XXXX XXXX XXXX from summer of XXXX through winter of XXXX. I have been making as many payments as I can on these loans since XXXX, and my balance has reduced by maybe XXXX. That is 14 years of payments in excess of $ XXXX, and they have barely reduced. 

It is unethical and problematic that my APR is 13.5 %, and I have not been approved for refinancing. It is morally bankrupt that they continue to charge me for a loan for a school that has been deemed unethical by the US government. I am a public school teacher who has been serving this country for 10 years, and do not deserve to be treated this way. 

My accounts are as follows : **** Signature Loan {$13000.00} balance 13.5 % APR **** Signature Loan {$22000.00} balance % XXXX APR
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account genesis credit managementXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$7600.00}, {$16000.00}, {$12000.00}, {$0.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- AUTO ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

I am reaching out to formally request your urgent assistance in resolving an issue with my PayPal Credit account, which was wrongfully and fraudulently closed without my consent. I was notified of the account closure through an unexpected email, which stated that my account had been successfully closed at my request. Concerned, I immediately checked the legitimacy of this message and confirmed that my account was indeed closed. 

Upon contacting PayPal Credit to report this unauthorized action, I clarified that I had never submitted a closure request and suspected that fraudulent activity might have affected my account. I have consistently adhered to all terms of service and maintained my account in good standing, with no missed payments. 

During my initial call, the first representative I spoke with dismissed my concerns, asserting that only I could have requested the account closure. After escalating my call twice, I was eventually connected with an agent who thoroughly investigated the issue. The agent noted discrepancies between account details, including mismatched names and account numbers, and informed me that the request to close my account had supposedly been submitted by lettera method I have never used. 

At that time, I was assured that this error would be resolved within XXXX weeks. I was relieved and willing to wait, expecting a resolution. However, nearly XXXX months have now passed, and repeated follow-up calls have resulted in dismissive responses, with representatives stating that there is " nothing they can do '' because they still regard this as a request initiated by me. 

I am seeking immediate assistance, as this wrongful closure has impacted my credit. I request that my PayPal Credit account be reinstated and that any associated credit impacts be corrected promptly. 

Thank you for your attention to this matter. I look forward to your response and an efficient resolution. 

XXXX XXXX XXXX XXXX XXXX acct ending in XXXX
Product: Credit card or prepaid card

I purchase some items on XXXX with my Capitial one credit card for a a couple of hundred dollars, did 2 separate orders for the first order the seller send me a package with a 1 dollar junk item just to get tracking, for the second order I never received anything, treid deputing with capital one but they refused, Shame on them that they fall for this scammer seller on XXXX
Product: Credit reporting

The credit reporting agency did receive proper documentation to confirm that the account was mine. When I asked the credit bureau they could not provide me with specific details on how they came to the conclusion that a debt was mine. There were documents bearing my signature, and not other evidence. I am not sure how they can investigate and come to a conclusion without proper documentation.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXXXX XX/XX/year>
Product: Debt collection

While reviewing my credit report, I found accounts that appear to be incorrect and unauthorized. Requesting their immediate removal and blocking.
Product: Mortgage

In XX/XX/XXXX, I was Contacted to refinance my FH a mortgage and lower my payments the first payment was lower than my original payment prior to refinancing currently I still have a higher payment than my original mortgage and my loan servicer Doesnt have anybody who can help me answering the phones Ive given up multiple times trying to fix this apparently my escrow account is the problem and I dont understand I currently have a forbearance that expired and I owe {$25.00} towards my XXXX payment which was part of the forbearance and the entire XX/XX/XXXX payment I can not get in contact with the money source , the company that services Service is my loan but thats nothing new I am barely ever been able to contact them since they started servicing my loan I dont understand why they show my mortgage payment due for XX/XX/XXXX has almost {$7000.00} and I do not understand why my refinance has made my mortgage payment different all the time and hireThen my original FH a loanSpace can you please help me get my payments solidified to one amount and correct the problem they created with my escrow account theres nobody at the company named The Money Source who can help me
Product: Credit reporting or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX MONO XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXXXXXX XXXX : {$6200.00} ; XXXX  XXXX XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$260.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.