23daVinci/CFPB_Complaints huggingface dataset:
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 to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXXBalance : {$2000.00}, 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

My Identity was stolen and fraudulent accounts were opened in my name with my social security number. Because of the fraudulent information on my account XXXX  and Transunion will not verify my identity and won't provide me a solution to how I can access my credit report to dispute the fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had ONE late payment on an Account that I was never late for consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the ACCOUNT : XXXX  XXXX ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENT WERE LATE .IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD AS I WAS NEVER LATE THAKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

First XXXX  used or has XXXX XXXX of XXXX XXXX in XXXX County KY help them steal $ from me. I s Am sick from XXXX XXXX, my job causing a XXXX XXXX and XXXX XXXX XXXX. 
XX/XX/17 I bought 5 phones at XXXX  and since then my phone had {$4900.00} stolen and XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX but XXXX said its XXXX  / XXXX XXXX - then {$300.00} from XXXX  XXXX -XXXX  from XXXX  XXXX -XXXX from credit union I have 56 false hard inguires and identy theft false credit cards. I want XXXX  XXXX and XXXX XXXX to fix XXXX to pay me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX I am writing to formally dispute the charge off listed on my credit report for the above-mentioned account. I believe that this charge off is inaccurate and violates the provisions set forth by the Fair Credit Reporting Act ( FCRA ) and other applicable credit laws. 

I have reviewed my credit report, obtained from your bureau on [ XX/XX/2023 ], and noticed that the charge off is negatively impacting my creditworthiness. As a responsible consumer, I am committed to maintaining a positive credit history, and I believe it is crucial to address any inaccuracies promptly. 

I would like to bring to your attention the following points regarding the disputed charge off : XXXX XXXX  XXXX XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report is incomplete and fails to accurately reflect the details of the account. I request that you investigate and provide a comprehensive and accurate account history, including the original creditor, account balance, and payment history. 

2. Verification of Debt : Pursuant to the FCRA, I request that you provide me with the necessary documentation to verify the validity of the debt. This includes a complete account statement, copies of any contracts or agreements, and proof of ownership of the debt.

3. Timely Reporting : I believe that the charge off was reported to the credit bureaus in violation of the FCRA 's guidelines. The reporting of this charge off was not done within the required timeframe, and I request that you correct this error immediately.

4. Statute of Limitations : I am aware that there is a statute of limitations for reporting negative information on my credit report. If the charge off is beyond the permissible reporting period, I request that you remove it from my credit report accordingly.

I kindly request that you conduct a thorough investigation into this matter and provide me with a written response within 30 days, as mandated by the FCRA. Please ensure that any corrections or updates made to my credit report are promptly reflected across all three major credit bureaus. 

Additionally, I would appreciate your assistance in notifying the original creditor of this dispute and requesting that they cease any collection activities until this matter is resolved. 

Please find enclosed copies of relevant documents supporting my dispute, including my credit report highlighting the disputed charge off. I trust that you will handle this matter with the utmost professionalism and in accordance with the credit laws. 

Thank you for your attention to this matter. I look forward to receiving your prompt response and a resolution to this dispute. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

Subject : Dispute Regarding Debt Sale and Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the actions taken by XXXX XXXX XXXX XXXX XXXXXXXX concerning my account and their subsequent sale of my debt to XXXX XXXX XXXX XXXX XXXX, a third-party collections agency. I believe that this transaction was conducted illegally and without my consent, and I am seeking your assistance in resolving this matter. 

To provide context, I had an account with XXXX  XXXXXXXX XXXX XXXX  XXXX that I was managing in good faith. However, I was surprised to discover that my debt was sold to XXXX XXXX XXXX XXXX XXXX without any prior notification or consent from me. This action raises serious concerns regarding the legality of their practices, particularly in light of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which outlines the responsibilities of furnishers of information to consumer reporting agencies.

Key points of my dispute include : XXXX. **Unauthorized Sale of DebtXXXX : I did not receive any communication from The XXXX  XXXX XXXX XXXX regarding the transfer of my debt to XXXX XXXX XXXX XXXX XXXX XXXX This lack of notification violates my rights as a consumer, as I was not given the opportunity to address the account before it was sold. 

XXXX XXXXInaccurate Reporting and Additional ChargesXXXX XXXX Following the transfer of my debt, I noticed that XXXX XXXX XXXX XXXX XXXX reported additional charges that were not part of my original balance with XXXX XXXX XXXX XXXX XXXXXXXX XXXX These extra charges appear to be unjustified and have further complicated my financial situation. The additional fees not only misrepresent the original debt but also negatively impact my credit score. 

XXXX XXXXFailure to InvestigateXXXX : Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to investigate disputes regarding the accuracy of the information they report. I have reached out to both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding these discrepancies, but I have not received a satisfactory response or resolution. 

Given these circumstances, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for their illegal practices and failure to comply with the requirements of the Fair Credit Reporting Act. 

I have enclosed copies of relevant documentation, including : - My original account statements from XXXX XXXX XXXX XXXX XXXX XXXX Correspondence with XXXX XXXX XXXX XXXX XXXX XXXX 
- Any notices I received regarding the debt sale or additional charges I appreciate your attention to this serious matter and your efforts to protect consumers from unfair and illegal practices. I look forward to your prompt response and guidance on the next steps in resolving this issue. 

Thank you for your assistance. 

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

On XX/XX/2022, Armed Forces Loans said it would remove and expunge an account that is showing my credit report as included in bankruptcy.
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 Account # 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: Money transfer, virtual currency, or money service

I've been in contact with a number since XXXX of last year I thought It was a real thing but all they do is nag me for money that I don't have. I've already had to switch banks because of fraudulent activity and they keep threatening to send someone to my doorstep to collect the so called debt .... I've sent them over XXXX of my hard earned money and I'm just scared they will come after me and my family. They've used my XXXX, Cashapp, and XXXX accounts to their liking and it's really infuriating I just want them to be gone ....
Product: Debt collection

In according with the fair Credit Reporting Act 15 USC 1681 & Fair Debt Collector Practices Act 15 U.S.C 1692 XXXX, my rights have been violated my rights. 

Negative Accounts 1 ) XXXX XXXX # XXXX XXXX  XXXX ) XXXX # XXXX ( Never Late ) 3 ) XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602.A : states I have thge right to privacy.

15 U.S.C 1681 section 604 : It also states a consumer reporting agency can not furnish a account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Product: Debt collection

AFNI is Reporting a debt on my credit that was sold to them by XXXX. XXXX also sold this fraudulent debt to XXXX XXXX. This debt was was removed from my credit. This is against the Law according to the FCRA and FDCP
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, and DEPT OF ED/XXXX  XXXX. Please remove these accounts ASAP.
Product: Mortgage

I have a XXXX XXXX backed mortgage and my servicer is Shellpoint. I completed my trial payment plan over 40 days ago. I am waiting for the approval, terms and amount of my monthly payment and documents since then. When I contact Shellpoint they only tell me my account is in escalation. They will not give me a timeframe to approval of the loan modification or when the forms will be sent to me. My fear is that this is continued poor compliance of Shellpoint re. Federal guidlines for COVID loan modification and they intend to use this delay to again fraudulently report me to the credit bureaus as delinquent or attempt to foreclose on my home as they threatened in a letter sent to me when I started the trial payment plan. In this letter they advised me that foreclosure was imminent. I would like to put the financial instability from the pandemic behind us and resume my mortgage without threat of foreclosure of ruin of my credit score. Shellpoint needs to complete my loan mod and inform me of the terms and provide the documents so I may meet my end of the compliance of 30 days to returns the docs. 

I can provide the foreclosure notice if needed to prove that Shellpoint threatened this during a moratorium.
Product: Mortgage

this bank is taking my home to sale this bank will not give me a Loan Modification so now this bank is taking my home to sale
Product: Debt collection

I randomly got a collection on my account regarding cons I believe and then I got it disputed and then it came right back. I tried to do it on XXXX but experience seems like its not helping me but working against me. I dont know if theyre making money from it or what But I would like some help getting this removed from my collection and off my account.
Product: Credit reporting

Inquires were removed off of my Credit report and then reinserted without notice or reasoning which is against FRCA 611 Listing all inquiry name and dates 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

I am writing about the ongoing issue regarding the removal of fraudulent items from my credit report. Despite providing all necessary documentation and following the prescribed procedures for disputing inaccurate information on my credit report, the items remain unresolved, causing significant distress and impacting my financial standing. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent items on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. I urge you to help me escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the damage caused to my creditworthiness and the inconvenience and stress I have endured as a result of this ongoing issue. Please help me remove these items immediately : XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; 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 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, credit repair services, or other personal consumer reports

This account has been paid in full I tried to dispute online but with Experian credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.
Product: Credit reporting or other personal consumer reports

This letter is for the purpose of deleting items listed from my credit report. i am a victim of identity theft and did not make the charge. i ask the items be deleted to fix my credit report. i reported the identity theft to the federal trade commision and i also have enclosed copies of the federal trade commisons identity theft affidavit. Please delete the items as soon as possible
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 168XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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

I refinanced my house in order to pay off all my credit card debt. I paid all balances off and closed all the cards but XXXX. The GoldmanSachs bank on my Apple Card, after calling and closing the account following the full payment on the account, contacted me a month later to ask when I will pay my balance on the account. I asked what balance since I paid off my card and closed the account. They said it was " trailing interest, '' however when I called and closed my card this coming charge was not made known to me. I believed to have paid off the entire amount owed, especially at the ungodly interest rate they were charging me, and so I closed the account in good faith that I am done. Now they are hunting me for this " trailing interest '' charge. 
What are my options? 
Thank you in advance for your kind support.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX  are not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters on XX/XX/2022 disputing these unknown information in my report, but I did not get any response from the bureaus. If they have investigated or even took action they should have sent me results but they did not.
Product: Checking or savings account

On XX/XX/2021 my bank paid a overdraft of {$1200.00} for a rental car but on XXXX XXXX the decline my rent payment of {$1300.00} so with all my overdraft fees I currently owes the bank {$1600.00}. I tried to get them to reverse the payment to XXXX XXXX XXXX. They refused and told me the only way they would then I would have to deny authorizing the payment. I told them I wouldn't so they said then I couldn't. When I'm trying to get essential bills paid or cash. The bank tells me I ONLY have a limit of {$250.00} yet they pick and chose for me. What debt they will pay I think it's VERY unfair to my bank to tell me. Who they think I should accummulate a debt with if I had my choice it will always where I lay my head. They done this before to me and I was shocked to find out in XXXX that they paid XXXX when I called to pay the company. And the company information me my bank paid them. As a customer who is expected to pay them back again I'm full. I think I should have some say in who I am paying back. Up to this point I was in good standing with my bank. But I will not be bullied into paying something because they say I got that rental car I could of made payments. Until I brought that current rent you either pay or you get charged late fees, court fees and possibly evicted and that's what I'm dealing with right now. And if I must pay them and they are allowing a excessive amount overdrafts. Then I want the rent include if not the XXXX payment removed. So I'm being told who will decided which payment they will pay for me and I have no say so plus I requested them days before XXXX. Got paid to stop the payment like they did the rent payment. And they paid anyway and then told me it takes days but here 's the quicker I never asked them to pay them before when the funds wasn't available. And they were limiting me to a only a {$250.00} limit and they say it's the system. I'm very upset and I don't think this fair I feel like I'm dealing with the XXXX  and XXXX  banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT OPEN. THESE FRAUDULENT ACCOUNTS ARE HURTING MY ABILITY TO OBTAIN CREDIT. I DEMAND THESE ACCOUNTS BE REMOVED IMMEDIATELY.