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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX : XX/XX/XXXX Subject : Dispute of Reinserted Information in My Credit Report I am writing to formally dispute the reinsertion of information previously deleted from my credit report. Upon reviewing my credit report, I have noticed that the following item ( XXXX ), which were previously removed following a successful dispute, have been reinserted without proper notification and certification as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( C ). 

Account Information : XXXX XXXX XXXX # XXXX According to the FCRA : XXXX. Certification Requirement Before reinserted information can be placed back onto my credit report, the XXXX XXXX XXXX is required to obtain certification from the furnisher that the information is accurate and complete. If such certification was not obtained, the reinsertion violates the FCRA. 
XXXX. Notification XXXX XXXX the law, the credit bureau is required to notify me within XXXX business days of the reinsertion, providing details including the furnishers contact information and my right to dispute the item again. I did not receive any such notice, which is a direct violation of my rights under the FCRA. 
XXXX. Ongoing Dispute Rights I am exercising my right to dispute this reinserted information once again, and I request that you promptly reinvestigate and provide proper documentation verifying the accuracy of the reinserted data or remove it from my report immediately. 

Please consider this letter as my formal dispute. Under the FCRA, you are required to investigate and respond within 30 days of receiving this notice. If the reinsertion is found to be unverifiable or inaccurate, I expect it to be removed immediately from my credit report. 

Additionally, I request that you remove the following unauthorized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX If this matter is not resolved within the legally required timeframe, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to explore any legal remedies available to me under the FCRA.
Product: Vehicle loan or lease

The vehicle was taken from me and auctioned. I tried to negotiate retention of the vehicle but was denied reestablishment. Later on the account was closed and still reflected a balance owed when it should reflect a balance of XXXX dollars amount. I should not be paying for a vehicle that no longer is in my possession that is fraud.
Product: Debt collection

I am a veteran XXXX starting on XX/XX/XXXX. In XX/XX/XXXX, I terminated a lease early with XXXX XXXX under their military clause due to XXXX to move. I did not receive any notice indicating I was owed money. XXXX years later starting on XX/XX/XXXX, I began receiving a call from XXXX. I answered and spoke with someone who did not reveal their name on XX/XX/XXXX. He claimed I owed utilities from when I terminated the lease through the original end of the lease. He was rude and aggressive claiming that they waited as long as they did due to the Sailor and Soldier Relief Act. I said there was nothing in my lease indicating I would be responsible for utilities AFTER I moved out. He refused to send me any documentation proving debt and demanded my personal information, like current address. I did not give him any personel information and hung up on him when he started threating lawsuits.
Product: Credit reporting or other personal consumer reports

My name was in a data breach so under law 15 USC 1681 I need all items on my credit report that have a negative affect on my credit report in a negative manner removed in 30 days. Because my right privacy has been violated due to the data breach my information was stolen.
Product: Checking or savings account

On XXXX I received an email from XXXX XXXX stating that had a XXXX balance XXXX XXXX the morning of the XXXX by XXXX on the same day they sent me a overdraft fee of XXXX. This is not the 1st time XXXX XXXX had done this. I have spoken to several customer service agents about XXXX XXXX not giving customers enough time to deposit the funds. It seem to be that immediately after your account becomes overdraft they charge you a fee. The few agents I talk to told me two different stories. One was that they give you 24 hours to clear your balance and the other said you have until XXXXXXXX XXXX that day. So far they do not allow the customer enough time to deposit the money and this is unfair to the customer
Product: Credit card

This is a care credit card through synchrony bank. Most purchases, as they are over a certain amount of money are a deferred interest promotional balance. Occasionally, there will be a standard purchase, which does not have deferred interest. Every time I make a payment, they refuse to apply it to the standard purchase first despite calling in an speaking with representatives, managers, supervisors or messaging through the chat with a live agent option. I ask for the payment to be allocated to the standard balance first and they will do it. Then two weeks later, without my knowledge, they re allocate it again leaving a balance on my standard purchase. This time, they left XXXX XXXX remaining as the balance so they can charge the minimum interest charge. Last month I made payments almost double the amount of the standard balance and they still will not allocated it properly.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

William and fudge collections. Violates my rights to financial privacy.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I hope this letter finds you well. I am writing to express my deep concern and discontent regarding the permanent limitation that has been imposed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed on my account due to a mistake or misunderstanding, as I have not violated any PayPal policies or engaged in any fraudulent activities. 

Firstly, I would like to emphasize that I have been a loyal and active PayPal user for [ insert duration of usage ], and I have always adhered to the terms and conditions set forth by PayPal. I have regularly used my PayPal account for both personal and business transactions, ensuring compliance with all applicable laws and regulations. Consequently, I am perplexed as to why my account has been permanently limited without any apparent reason or prior warning. 

Secondly, I have thoroughly reviewed PayPal 's policies and guidelines, and I can confidently assert that I have not violated any of them. I have always conducted my transactions in an honest and transparent manner, maintaining the highest standards of integrity. It is crucial to emphasize that I have never engaged in activities such as money laundering, fraud, or any form of unauthorized use of the PayPal platform. Therefore, I am perplexed and deeply concerned about the permanent limitation imposed on my account. 

In light of the above, I kindly request that PayPal undertake a comprehensive re-investigation into my case to rectify this matter. I strongly believe that there has been a mistake or misunderstanding that has led to the permanent limitation on my account. I would greatly appreciate it if PayPal could thoroughly review the transaction history and account activity associated with my account. I am confident that such an investigation will reveal no wrongdoing on my part and support my claim for account restoration. 

I understand the importance of maintaining a secure and reliable platform for all PayPal users, and I fully support PayPal 's efforts in this regard. However, I sincerely believe that my account has been wrongly targeted, leading to this unwarranted limitation. I kindly request your prompt attention to this matter and a fair and impartial reconsideration of my case. 

In conclusion, I respectfully request that PayPal re-evaluate my case, taking into account the aforementioned points. I am confident that a thorough investigation will confirm my compliance with PayPal policies and justify the restoration of my account. I am eagerly looking forward to a positive resolution and a reinstatement of my PayPal account to resume using your platform for my personal and business transactions. 

Thank you for your time and attention. I kindly request that you acknowledge receipt of this complaint and provide me with an update on the progress of my case at your earliest convenience. I can be reached at the email address or phone number provided above. 

Yours sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX, which I would've been a XXXX Three years ago in XXXX, I had gotten a letter from collections letting me know that I had a medical bill from three years prior at the XXXX ( which I was under my parents insurance ) and that it had gone into collections. I had no recollection or warning of this bill. I had tried to dispute it in XXXX but had obviously gotten nowhere. I am willing to pay it but it will still be on my credit report which I am having issues with going forward with a loan at the moment. I would very much appreciate if I could get some answers back. Thank you.
Product: Debt collection

I have received a letter from XXXX XXXX XXXX XXXX, a debt collector stating that I have to pay judgement due amount of {$42.00}, XXXX plus interest. They also sent a notice of garnishment from XXXX for total amount of {$63000.00}. They have been contacting my employer also. I do not know how they got judgment against me. I took a student loan between the year XXXX from a private company to study medicine in XXXX XXXX. The company stopped paying the loan after one year and I could not pursue my study further. Probably, the loan company was closed or bankrupt. Because of incomplete study, I remained unemployed for many years. I do not remember the amount of loan, but it is less than the debt collector asking for. In past, I received several letters from different debt collectors for asking different amount. I sent letters to few of them asking verification and copy of written agreement. I have not received any reply. I suspected inaccuracy and stopped responding. I was afraid of scam. 
I have also received another debt collector, Portnoy Schenck, LLC. letter in same week mentioning the judgement against me for {$16000.00} for the same above-mentioned loan. I got confused and suspected irregularities. Now this debt collector blocked my bank account. I have not received any registered post summon from the court for this case. 
The debt collector has to determine that debt is within the statue of limitations. They should provide copies of agreement and signed promissory note. How I will know the debt collector is authorized and not misleading. How Court can deliver one sided decision? How come two debt collectors can ask for the amount for the same loan?

Later, I took Federal loan and paying the amount in installments regularly. 
I am mentally very disturbed and does not know what to do. My bank amount is blocked. I, therefore, request please help me. I am enclosing the letters from debt collectors and copy of my letter to one of them. 
Thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

AMEX IS REPORTING INACCURATE INFORMATION ON MY REPORT. 

AMEX IS NOT THE OWNER OF THIS ACCOUNT AND THEY ARE FRAUDULENTLY TRYING TO COLLECT, XXXX FILINGS PROVE THAT CREDIT ACCOUNTS ARE TRANSFERRED INTO A TRUST AND ARE SECURITIZED THE DATE OF THE ACCOUNT OPENING DATE THE ACCOUNTS ARE TRANSFERRED/ASSIGNED INTO A TRUST, SECURITIZED AND TRADED AND NEVER TRANSFERRED/ASSIGNED BACK TO amex. 

IF AMEX CAN NOT PROVIDE A CHAIN OT TITLE PROVING THAT THE DEBT WASN'T SECURITIZED THEY DO NOT HAVE THE AUTHORITY TO COLLECT AND REPORTING IT TO XXXX XXXX XXXX IS VIOLATING MY RIGHTS. DELETE THESE ACCOUNTS AMEX XXXX AMEX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Police report was obtained with someone commiting identity theft on several accounts. Remove all iems from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inaccurate 30 day late payment marked with XXXX XXXX for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments
Product: Bank account or service

I had a CD with CIT bank that matured on XX/XX/XXXX. I received a letter from CIT on XX/XX/XXXX that they had forgotten to send me a renewal notice for this CD when it matured, so it automatically renewed at the same interest rate of 1.153 %. At that time, CIT bank 's interest rate for a 1 year CD was much higher than 1.153 %. I called CIT today, and asked them to retroactively apply the then current interest rate. They refused. Why will a customer lose interest money over a bank forgetting to communicate to customers when CDs mature? 
I have a couple more issues against CIT bank : 1. They have this concept of ramp-up CDs, where they do not automatically renew the interest rate, when interest rate goes up. Only when customers call in, will they raise the interest rate. How will customers know when the interest rates go up in a specific bank? 
2. Also, customer service does not seem to very helpful and polite in responding to questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under pentalty of perjury, that the foregoing is true and correct to the best of my knowledge.Further i certify that i am permitted by Federal and state law to file this dispute.These items that are found on my credit report are not related to any transaction that i made or been apart of.These credit reporting agencies are in a clear violation of the United States Code Law 15 U.S. CODE 1681 1B- Permissible purposes of consumer reports they are reporting unknown accounts without my authorization. I never gave XXXX, transunion, XXXX  written consent to report anything to my consumer report. On XX/XX/2022 i sent a dispute to transuion, XXXX and XXXX certified mail letting them know of this violation and requiring proof of my of my written consent. As a consumer by law these accounts on this letter must be deleted immediately from my consumer report. This has caused me to suffer and its defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to disagree with the debt. Every credit bureau removed the debt instead of Equifax. I received a letter from XXXX explaining they will contact every credit bureau to explain it does not belong on my account. I have sent the letter to Equifax several times but they will not remove the debt from my account. I sent a letter to Equifax on XX/XX/XXXX and XX/XX/XXXX. There were also letters from a company I paid to take over but I do not have those on me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

We were two months away from paying off the lease in 2018. They repossessed the car and sold the car. We thought the car was paid off. This is blocking our ability to obtain a mortgage. GM financial failed to provide proof of debt when requested through the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a call from an Experian Representative on XX/XX/2020, stating that although they obtain third party information they do not actually verify whether or not that information is correct prior to it being put on consumers credit reports. The representative stated to me that they do not know how XXXX verifies their information. So, why is information obtained from third party vendors allowed to be put on consumers credit reports without proper verification? Which lets me know that they never actually verified the bankruptcy that I am disputing prior to me opening a dispute about. The only way that I know they verified the bankruptcy afterwards was because the representative called the court while I was on the phone. Experian failed to do their due diligence initially in making sure that this public record was mine. The source who they say they verify through ( XXXX XXXX has deleted this information from their records, so should Experian. Otherwise the information that they send to consumers IS A LIE. They do not verify and information with XXXX, they just put it on your credit report whether or not its is valid, which is a violation of the FCRA. 

This company violated my rights as a consumer by calling the courts to verify my bankruptcy. THIS IS AN ILLEGAL ACTION. Since the credit bureaus are not public entities they are not allowed to call the credit bureaus to obtain that sort of information. The credit reporting agencies are not allowed to check XX/XX/XXXX or contact the courts to verify bankruptcies. Therefore, Experian has committed an illegal act and I am considering litigation for violation of my rights as a consumer. 

Your method of verification for the above mentioned bankruptcy can not be verified, since XXXX was unable to verify it and subsequently deleted it. I demand that this public record be removed from my credit file IMMEDIATELY or there will be further legal action taken. 

I have proof that they have removed other consumers bankruptcy after having XXXX remove the bankruptcy from their system and I have proof to show it and I will be using it in my litigation proceedings against Experian for their illegal activities if they do no remove this bankruptcy immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have recently been a victim of identity theft. Someone stole and fraudulently applied for lines of credit with credit grantors without me knowing. the following accounts are a result of the identity theft. 
XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} US DEPT OF EDXXXX Opened XX/XX/XXXX XXXX {$210000.00} US DEPT OF ED/XXXX Opened XX/XX/XXXX XXXX {$240000.00}.
Product: Credit reporting or other personal consumer reports

I requested 1099c form to verify the debt and asked to be removed. account ran off as charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of stress on my part. Also I felt I am being taken advantage and ignored.