23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card was stolen in XXXX XXXX XXXX XXXX 

I reported that my Fortiva credit card was stolen and no charges should be authorized. 

Fortiva sent me a new credit card to my home address however they did not put in a dispute for unauthorized charges made to my account. 

They have no internal fraud protection as charges kept being authorized on the same day. 

When I called and asked about the dispute, they told be I need to send a letter to them in the mail. Then when I escalated the issue, they said I could complete a paper form and e-mail to them. None of my other credit cards from other companies that stolen on same day require such a requirement. The form they sent does not allow me complete online or modify the document. 

Why is this only company that requires manual paper-work while all other credits cards already had all charges disputed and have credit my account but not Fortiva Fortiva is issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.myfortiva.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XXXX and XXXX of XXXX, I forwarded validation of debt letters to the credit bureaus regarding an unverified debt on my credit report. Upon receiving a letter from the credit bureaus that the debt was " verified '' by the creditor, I forwarded a certified validation letter to AD Astra Recovery Services in XX/XX/XXXX and a second certified letter on XX/XX/XXXX. AD Astra Recovery Service has failed to validate this debt on my credit report that has been reporting for more than 4 years ; which violates the statute of limitations law in Texas in which a debt can appear on your credit report. I have tried to reach out to the debt collector multiple times with no response received. I demand that AD Astra Recovery Services delete this erroneous account from my credit report ASAP.
Product: Debt collection

I first found the debt on my credit report where I tried to dispute it. After filing the dispute the company reached out to me where I notified them the debt isnt owed and shouldnt have been on my credit report. They informed me that the best they can do is offer a settlement. I told them I wouldnt be paying anything and I need the validation of debt letter because this debt isnt mine and she informed me I shouldnt ask for that letter because they will no longer be willing to work with me on amounts or payment plans. I told her I didnt care Im not paying it and please send the letter. She once again tried to argue I really shouldnt ask for it Ill be required to pay the entire balance and at this time I told her for the 3rd to send the letter to validate the debt and she said she would. It has been almost 60 days and I have yet to receive the letter and the collection is still on my credit report for {$11000.00} of debt that shouldnt be on there.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$9300.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$8200.00}
Product: Debt collection

Collection Agency Name National Recovery Agencies Last XXXX of XXXX : XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Texas Hospital for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by mail.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email is a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the credit that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over XXXX days old. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX, Dear Experian, I received your attached response to CFPB complaint number XXXX dated XX/XX/XXXX in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. 

Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in 'dispute ' status from the involved data furnishers as the result of identity theft and fraud. 

In your response, you gave reasons for the denial of the block in which you determined that either XXXX the request was made in error, XXXX the request was based on a material misrepresentation, or XXXX. That I received goods, services or monies as a result of the transactions I am seeking to block. 

Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. 

My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. 

I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain. 


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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Accounts on XXXX Credit Report Dear Sir/Madam , I am writing to dispute several accounts on my XXXX credit report, as they are inaccurately listed and do not belong to me. Despite my repeated attempts to resolve this matter, I have encountered significant challenges in disputing these accounts online, particularly through Transunion. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in rectifying this issue. 

The accounts in question are as follows : XXXX XXXX Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : {$3000.00} Address Associated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Bank Account : Account Name : XXXX Bank Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : Not specified Address Associated : Various addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I assert that I am a victim of identity theft, as I have never opened accounts with XXXX XXXX or XXXX Bank. Additionally, the addresses listed in association with these accounts are unfamiliar to me, and I have never resided at any of these locations. It is evident that these accounts have been erroneously reported to my credit file, causing significant harm to my creditworthiness and financial standing. 

Despite my efforts to dispute these accounts online, I have faced obstacles, particularly with Transunion, which has made the process arduous and unproductive. Therefore, I am seeking your intervention to ensure that these inaccuracies are promptly addressed and removed from my XXXX credit report. 

I kindly request that the CFPB investigate this matter thoroughly and facilitate the removal of these fraudulent accounts from my credit report. I am also open to providing any additional information or documentation to support my claim of identity theft. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dears at Consumer Financial Protection Bureau, greeting On or around XXXX XXXX I contacted CEO American Express to process my judgement XXXX, then I contacted him 3 times later I never received any reply So far, please contact XXXX XXXX XXXX American express CEO For me, thank you for your help,
Product: Money transfer, virtual currency, or money service

I used Zelle to send someone money and I had sent it to the wrong person. XXXX  XXXX XXXX didnt have a feature that double checked that I was sending money to the right person.
Product: Debt collection

XX/XX/year> Personal and SensitivePrivilegeNot for Publication SENT VIA U.S. FEDERAL GOVERNMENT SYSTEM OF RECORDS United States of America Consumer Financial Protection Bureau Attn : XXXX XXXX, XXXX 1700 G St NW Washington 20552-0004 District of Columbia , USA United States of America Federal Trade Commission Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX District of Columbia XXXX USA Dear XXXX XXXX and XXXX XXXX XXXX SUBJECT XXXX Ongoing Dispute with Army and Air Force Exchange Service Regarding Billing and Credit Reporting Errors In Case of Credit Card Receivables Account No. XXXX XXXX XXXX XXXX I am forwarding the attached formal complaint regarding ongoing disputes with the Army and Air Force Exchange Service concerning billing, debt collection, and credit reporting practices and errors. The attached letter details the issues, including the failure of the Army and Air Force Exchange Service to address and resolve these disputes, and provides supporting evidence and documentation. 

Given the importance of consumer rights and the integrity of our financial systems, I request an immediate and thorough investigation by both the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX United States XXXX XXXX XXXX XXXX ) Citizen of Indiana state All Rights Reserved without Prejudice po box XXXX XXXX XXXX Virginia, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft on XX/XX/2021 I have submitted my Federal Trade Commission report to all three major Bureaus ( Equifax, XXXX, Experience ) to further confirm my status as a victim of Identity Theft due to the EQUIFAX XXXX BREACH. As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to XXXX, XXXX, Mortgages because of this.
Product: Mortgage

On two separate occasions, roughly a year apart, I have sent a request to my servicer, Lakeview Loan Servicing LLC, to have my PMI reviewed and waived with no response from the servicer. The first instance, around XXXX of XXXX, it took at least several weeks to receive a response to my written request, and this was only after I called the servicer to inquire about the delay. The servicer 's reference number for this instance is XXXX. 

The second time, beginning in early XX/XX/XXXX, I again followed the servicer 's instructions for PMI inquiries to no avail thus far. It has been over a month without any acknowledgment, save for the reference number. The servicer 's reference number for this instance is XXXX. 

The 80 % LTV estimate date the servicer is using is painfully conservative. I have argued this clearly and would like to know what my options are for having PMI removed at this point since I am well past 80 % LTV.
Product: Student loan

There are absolutely NO options available to us that have these private student loans. The only option is forbearance and the max is 24 months! Plus you have to PAY for it!! XXXX XXXX calls my phone almost every 2 hours!! I do n't have the $ XXXX/mth payment! Do n't they get it? how can I possibly pay $ XXXX/mth on my private student loans? When will something be done about this? There are really no other options with These private student loans. I would even try to pay {$50.00} or something on it every month but to them it does n't matter, it 's still late. So what other option do I have?? Default. My degree was totally worth it. Yea right. There is no way that an XXXX or XXXX yr old student knows what tey are getting themselves into when they sign these promissory notes. No freaking way. Because if they had told me what I know now at XXXX I would have ran out of that school. We are slaves to debt for the rest of our lives. Predatory lending practices ... yes it exists. Unfortunately it has snuck its way into our educational system, crippling students that have no idea what they are getting into. I just ca n't believe nothing has yet to be done. 
When I went into the school to see my counselor because i was having a hard time finding work, ( as promised the school has job leads and placement ) she handed me a stack of XXXX job applications. Very professional. I feel like i was completely ripped off at an extreme cost.
Product: Student loan

There is a NEW policy with the RATE REDUCTION PROGRAM. Borrowers now have to renew paperwork every 6 months instead of every year. THIS AMOUNTS TO HARASSMENT. I am a XXXX  year old that took out these loans by mistake. I've been paying them back since XX/XX/2009. It is bad enough that I have to go through the XXXX  and XXXX every year with this. I AM NOT GOING TO GET A HIGHER PAYING JOB AT MY AGE. This is low level harassment. I lose time job time to take time to " renew '' once a year NOW THEY HAVE MADE IT EVERY 6 MONTHS!!!!

XXXX  DO YOUR JOB!! This organization was a BOON to student borrowers now you are just trashing it. DO SOMETHING!

XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, my personal loan from XXXX was sold to Citizen bank. A XXXX XXXX XXXX after the transition was completed i was notified via phone by Citizen bank that my account was sold to them and at that time i began paying my payments online. And to this date i have not received official letter from Citizen bank that my account was transferred to them. Since XXXX i have not received ANY statements from Citizen Bank, and i was unable to log in to my account online due to replacing my computer. And my personal calendar was removed, and i was dealing with my XXXX XXXX medical situation. On XX/XX/XXXX, i was notified by the Credit bureau that Citizen bank reported me as being late for XXXX XXXX. At that time i logged in immediately logged into the account and made all necessary payments, i never received any notification from Citizens, stating that they did not receive payment or that my account was over due. XX/XX/XXXX and XX/XX/XXXX i spent over XXXX XXXX on the phone, trying to figure out about my statements being mailed and trying to explain the situation, but i was being transferred from person to person and then finally i spoke to representative by the name of XXXX, who refused to transfer me to a XXXX and placed me on hold for XXXXXXXX XXXX. I am doing business with XXXX banks and never in my life was i treated like this. 

Citizen should treat their customers with respect and kindness and create some connections with customers. Due to my personal situation, and not receiving any communication from Citizen bank about my account it is extremely difficult to get any answers from them. This is just unacceptable to receive such poor customer service. For XXXX XXXX i have not had any late payments with the credit bureau.
Product: Money transfer, virtual currency, or money service

Company has failed to resolve complaint to my satisfaction
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # [ XXXX ]. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your pro
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX should not be reporting to XXXX  ; Experian and XXXX  that I am ( 30-60 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I made arrangements for deferment under the CARES ACT with XXXX  and they assured me that no lates would report to the bureaus on this account. XXXX did no honor our agreement. I was not aware that these lates were reporting until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score. This is a violation of the CARES ACT in addition to being a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these lates be removed. I have contacted the bureaus as well as XXXX to correct this however, I have not been successful.