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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my cr
Product: Student loan

My federal student loans became private without my consent. Seeking cancellation and discharge of student loans.
Product: Mortgage

I have tried several time when I had become late on my payments to arrange a payment plan. I had called with money ready to send. It wasn't the full 2 month payment they were asking for but I didn't have one month 's worth of rent and had let them know the fallowing week I could do the same amount and they wouldn't take it. Then I got sick fell more behind and now in foreclosure. Since I was served a summons I have been working with a community action house and have also tried several time to connect with them to get paper work sent to me so I can file for help through XXXX but did not here back from them for days. Along with my case worker who is helping me file the paper work. Was also told at the court date to call the attorney to work out a payment to pay what was owed and was then told after a week of calling that its to late to make a payment plan I was never advised to contact anyone to make a plan and when I did try with the company themselves I was told I could not make a plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XX/XX/XXXX, and TransUnion over 60 days ago and I still haven't received any response from any of them. I feel like I am being taken advantage of and ignored on my disputes. I'm heavily stressed and I hope the CFPB can help me resolve this issue AS SOON AS POSSIBLE.
Product: Money transfer, virtual currency, or money service

I made a purchase online through XXXX XXXX When I went to pick up the item the address provided was fake and the seller wasn't there. I called the police and filed a report and immediately reported to my bank and cash app. XXXX XXXX told me they could not get the money back and to try my bank. My bank refunded one of the three transactions and then proceeded to tell me that they could not refund the other two as they had no way of getting the money back from the seller. Chime told me I should ask the seller for a refund. I explained it was an internet scam and the seller was not responded. Chime claimed they could do nothing to get my money back as I did authorize the transfer. I explained to them I wasn't arguing the authorization but the receipt of goods. Chime proceeded to tell me there was nothing they could do and refused to give me contact information for seller or XXXX XXXX. All information was provided to settle in sellers favor but when I requested proof Chime sent me a heavily redacted copy that had the contact information blocked out. I have copious documentation to support my claim and all the information provided from chime. I only want my money back. Chime wants me to believe the seller has a one way money account and they can't zap money back out. Absolutely ridiculous!
Product: Credit reporting or other personal consumer reports

There has been a inaccuracy on my credit report, I discovered some collection account that i am not associated with and I will like this to be investigated and removed with immediate effect because reporting inaccuracy on my consumer profile violated my consumer right, fair credit act 15 USC 1681 does not permit supplying of false information i do not have nothing to do with the following account or neither am I aware of it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I defaulted on an AAFES credit card with a balance of {$6800.00}. The matter was turned over to XXXX for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). XXXX first garnished my military XXXX for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXX and in XX/XX/XXXX XXXX garnished my wages from XXXX XXXX XXXX and are still presently doing so. In XXXX of this year XXXX garnished my military XXXX once again and are now garnishing both my work wages and my XXXX, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from AAFES which shows just last month they collected {$830.00} from me. 
I have spoken with XXXX on several occasions and they will tell me nothing, simply refer me to AAFES. AAFES told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. AAFES only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that XXXX collected a substantial amount from me without forwarding all they collected to AAFES. AAFES offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
Product: Credit reporting or other personal consumer reports

Dear Equifax Please see my previous complaint for a copy of my drivers license and Social Security card On XX/XX/XXXX, I requested a thorough investigation. 
Over one month later, I still have discrepancies and inaccuracies that are costing me Please advise me of your method of investigation Please re-investigate every negative account on my report Please send me a copy to my residence Thank you XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX # XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX XXXX XXXX US DEP ED 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 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the reporting of the XXXX XXXX XXXX account # XXXX on multiple occasions ; however, the bureaus continue to report a past due amount for this account. I have never had a contract with this collection agency. I have never been past due with XXXX XXXX XXXX, yet this is still being reported. Each time I dispute the accuracy of the reporting of this account, it comes back as verified. The bureaus are reporting inaccurate and financially detrimental information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute has to do with a Citibank, NA Master Card. In XX/XX/2018 fraudulent charges appeared on the activity page on Citibanks website for my card. I notified Citibank and told them of the fraudulent charges. They closed the account and issued me a new card with a new account number. However, when they brought charges over from the old card these included the fraudulent charges. I notified Citibank by phone and was told that the error would be corrected. At the same time, I discontinued use of this card. From that time until the end of XX/XX/2018, I have received no statements nor any other correspondence from Citibank. These accounts had been setup for automatic bill payment. 

In late XX/XX/2018, I received a notice dated XX/XX/2018 from XXXX XXXX XXXX stating that they were attempting to collect a debt owed Citibank for the Master Card in the amount of {$200.00}. I attempted to go onto Citibanks website to view any activity on either of the cards. No information was available because the accounts had been closed. I then called Citibank at the customer service number listed on the back of the card and was routed to their internal credit collections department. I explained the situation to them and asked for copies of the statements showing the activity on the master card. I was told that since the amount on the card was now in collections, they had no information. 

I then contacted XXXX XXXX XXXX and made the same request. They told me they would send me 12 months of statements. To date I have received nothing. 

On XX/XX/XXXX, I received for the first time a statement from Citibank for {$200.00} plus {$37.00} in fees plus {$2.00} in interest. I contacted XXXX XXXX XXXX by phone and email but have received no response from them. I contacted XXXX credit collection bureau again and was told this time that they would provide me with the last 12 months of account statements but it would take 30 days. They refused to discuss the additional fees and interest charges. 

This has effected both my husband 's and my credit score. We have excellent credit. My intent is to get this resolved as quickly as possible but I am receiving no cooperation from either Citibank nor XXXX XXXX XXXX.
Product: Debt collection

I contacted XXXX  XXXX to see if I had a debt it was ruled as fraud due to id theft. I've asked portfolio recover to verify the debt, they only send bills. Nothing with my actual information just that someone used the bank acct/ credit card. I've disputed this 31 times every time I only get a bill to verify the debt. That just shows someone used the card but not that I opened the account. Portfolio recovery has used XXXX to contact myself, family members and inlaws. Stating if I don't pay the debt it can have an effect on my parents status in the USA ( both are citizens with XXXX names ) they pretended to be a law office, they pretended to be attorney 's. The lengths they go to collect debts is crazy even if they are fraud. No wonder they hace mass lawsuits
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>
Product: Vehicle loan or lease

On or about XX/XX/2019, I had called Exeter multiple times ( my SUV loan company ), that I wanted to pay extra money on my SUV payment for PRINCIPAL ONLY. I was current on my monthly payments but was told that I could only apply PRINCIPAL ONLY money if I was 3 months ahead in my payments (? ). I have never heard of this before and it was obvious that Exeter was doing everything possible to make sure my loan extended to the completion of 72 months or 6 years. 

Exeter obviously wants to get the maximum interest on my loan. Exeter has cost me extra interest and extended my loan out to the 72 months or 6 years. I want Exeter to allow me to make extra PRINCIPAL ONLY payments each month with no 3 month payment in advance requirement AND refund me {$1000.00} for interest that I shouldn't have had to pay if I was able to apply extra PRINCIPAL ONLY payments each month. Appreciate any assistance. Thanks.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been XXXX me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an inquiry made by Ally bank on behalf of XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX and XXXX credit report XX/XX/2018 related to this application. AN official dispute of this inquiry was sent to Ally bank XX/XX/2018 and to XXXX XXXX XX/XX/2018. Ally bank replied that XXXX XXXX was the party responsible for inquiry removal ; this statement by Ally is incorrect according the FCRA and Ally is now in violation of FCRA guidelines and at this time are in violation of my client 's federal consumer rights.
Product: Student loan

The loan company called me non-stop on my cell phone and my home phone. It was frustrating because I was paying on other loans and was not able to start paying that loan.
Product: Credit card or prepaid card

On XX/XX/2022 PayPal / Synchrony Bank decreased my credit limit from XXXX to XXXX. I had a XXXX dollar available credit at the time of the decrease. Once i made my payment they took that XXXX dollar balance away. No late payments during my duration of having this account with PayPal / Synchrony bank. I paid well over the minimum payment due since opening my account. With out warning this agency decreased my credit limit. In which cased my credit score to drop XXXX points. Them making this decision on behalf of me violates my rights as a consumer. Also harmed my ability to keep a good payment reputation with other agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unauthorized information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). After reviewing my credit report, I noticed incorrect details and an unknown collection balance that I do not recognize. I request that you investigate and remove these errors immediately. 

Disputed Information : Account Name : [ Creditor or Collection Agency Name ] Account Number : [ Last four digits if available ] Balance Reported : [ $ XXXX ] Reason for Dispute : This account contains incorrect information and/or does not belong to me. I have no knowledge of this balance or any outstanding debt with this entity. 

Under the FCRA, you are required to conduct a proper investigation and verify the accuracy of the reported information. If the account can not be verified as accurate, it must be removed from my credit report. 

Requested Action : 1. Investigate and verify the accuracy of this disputed account.

2. Provide me with any supporting documentation proving that this debt is valid and belongs to me.

3. Remove any inaccurate or unverifiable information from my credit report. 

I have attached copies of my identification, recent credit report, and any supporting documents related to this dispute. Please send me a written confirmation of your findings and any actions taken. If this matter is not resolved, I am prepared to escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) or take legal action if necessary. 

Thank you for your prompt attention to this matter. I expect a response within the legally required 30-day period. 

Sincerely, [ Enclosures : Copy of ID, credit report highlighting the disputed account, any supporting documents ] Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am currently reviewing my TransUnion Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

I took out a loan with Net Credit on XX/XX/XXXX in amount of {$2000.00}, the went to collections NC Financial and Net Credit i settle 35 % off the full balance on XX/XX/XXXX with my account balance XXXX and the account has been discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some small issues taking place on my credit reports. I have Fake or made up names showing up on my credit file. My legal name is XXXX XXXX XXXX XXXX remove any other name that is not spelled properly! My DOB is XXXX my full SS # is XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete these fraudulent addresses : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The phone number are not accurate please delete them. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX   CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX XXXX {$5600.00} XXXX {$590.00}
Product: Mortgage

The main issue is this. I was set up to do a trial period of 3 months of pay to get a new amount of pay that I had to do every month on my mortgage period okay, not an issue. I tried to change my automatic payment from XX/XX/XXXX to XX/XX/XXXX. And it did change and with it changing, I thought it meant that it wouldn't take the XX/XX/XXXX one. But it did it took the XX/XX/XXXX one, and then when I realized yes, it was going to take again on XX/XX/XXXX and I couldn't cancel it. I had to borrowed money from my dad. So my bank account didn't go back under period but since I was able to pay 2 notes in one month they took it as I could. Afford more and like canceled all that, and I kept trying to escalate it to get in to stop that. Because it was just a misunderstanding and a mistake and I've done these 3 times but they ended up just canceling it on me out of nowhere. And now my house is going into foreclosure, with more fees on it when it shouldn't be It shouldn't be tacked on more fees for anything, right? They didn't do anything wrong except for have them have their stupid scheduling. Automatic stuff take twice, and now I'm paying for it. An extra to like XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX//19 I sent a letter to Ad Astra Recovery requesting validation ( Tracking number XXXX XXXX XXXX XXXX XXXX - USPS ) of the debt they are trying to collect ( account number XXXX ). 

I received a letter from then stating the debt is consistent with the information they received from their client. 
Attached was a contract that did NOT have my signature and only my name typed. 
This is not proper validation according to the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of fraudulent accounts and inquiries on my credit report resulting from a data breach. I am a victim of identity theft and, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file.

Fraudulent Accounts : 1. Creditor Name : XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$610.00} 2. Creditor Name : XXXX XXXXXXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$430.00} 3. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$730.00} 4. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$330.00} 5. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$100.00} 6. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00} 7. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1400.00} 8. Creditor Name : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$760.00} 9. Creditor Name : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$100.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>