23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

JH Portfolio has refused to help me in regards to this collection account in my name and on my credit report. I have reached out to them multiple times and disputed this account many times with the credit bureaus. XXXX always just states its been verified. I have told JH numerous times that this account does not belong to me. This account was opened due to a result of identity theft. They still have not removed this account from my credit report. I have filed with the federal trade commission as a identity theft victim as well as let the major credit bureaus be aware too. I have tried sending letters to XXXX informing them that this account does not belong to me and I am not responsible for this debt because I have never opened it. They continuously say it belongs to me and its been verified but yet have never once proven how its been verified. I never received any mail regarding this account. I am attaching my credit report to review and my identity theft report. I am also including proof I sent them letters stating I was a victim of identity theft on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

I called Equifax on the recorded phone line XX/XX/XXXXXXXX XXXX XXXX to remove my Credit freeze temporarily until XX/XX/XXXX. They failed to do so Equifax never unfroze my credit. 

I am requesting Equifax to fully remove my credit freeze no temporarily fully remove it, and I will reapply it at my convenience
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at Show XXXX XXXXXXXX XXXX and XXXXXXXX XXXX , I am writing to formally demand that the credit bureaus XXXX XXXX XXXX XXXX and XXXXXXXX XXXX update to accurately reflect the resolution of the following accounts : Account ending in XXXX ( Show XXXX XXXX XXXX ) XXXX This account was settled in full under the terms of an agreement negotiated through XXXX XXXX. As such, I demand that its status be updated with all three major credit reporting agencies ( XXXX, TransUnion, and XXXX ) to reflect either " Paid in Full '' or an equivalent resolution, and that any reference to " charge-off '' be removed immediately. 

Account ending in XXXX ( XXXXXXXX XXXX ) : This account is under a settlement agreement with installment payments, which I am fulfilling as agreed. The charge-off description is inaccurate and must be removed to accurately reflect the current resolution status. 

Despite fulfilling my obligations under the negotiated settlements, these accounts continue to reflect inaccurately on my credit profile, causing undue harm. This failure to update and ensure accurate reporting violates the Fair Credit Reporting Act ( FCRA ). Under the FCRA, as well as guidance enforced by the Consumer Financial Protection Bureau ( CFPB ), creditors are legally obligated to provide credit reporting agencies with accurate and up-to-date information.
Product: Checking or savings account

My social security replacement card was sent to a XXXX XXXX XXXX XXXX XXXX but was never received. I had trouble filing my income tax return in XXXX  and my return was never received which may have been related to an identity fraud issue. My credit score seems to be unfairly low. I don't have a significant history of credit use. More recently I am getting suspicious SMS alerts from banks that I do not have an account open with to my knowledge. My mail was tampered with, a envelope sent from my mother was steamed open and a hand written note was stolen from the envelope. It's possible that I am being unfairly treated by employers who do a credit check because of fraudulent activity associated with my record, or social security number. To my knowledge, there is no reason why I should have bad credit. My credit should be ok. I might have to sue the credit borough to investigate if there are any false reports submitted. A false report about my conduct was submitted to the property manager of the apartment, causing the management to threaten eviction. It was a flat out lie. It's possible the social security administration was investigating me for fraud because at one point I was trying to work while still receiving benefits. If that's the case I feel like the person in charge of my SSD hearing may have violated my privacy illegally by allowing too many people to know my identity, location and that I was receiving benefits in XXXX XXXX of XXXX XXXX.
Product: Checking or savings account

Hello CFPB to whom it may concern, Somebody stole my {$3400.00} starting from XXXX to today XX/XX/2023 out of my account when I was sleeping plus they stole and I have just notified my bank requesting chargeback from all those transactions somebody hacked my identity guys please help me get my funds CFPB. I barely use that account I checked my email and noticed and contacted the bank asap they had shut the card down and promised to me that I would receive a provisional credit but every time they deny it every time 5 days before the provisional credits its like Chime not trying to help me recover my stolen funds and keep telling me no error occurred and an error did so to me its starting to look like an inside job with their Chime organization, they stole all my money out my account I want my money returned asap guys please help! I already notified my bank to hold that transactions All together they have took {$3400.00} in total and Chime even told me to provide documentation including police reports and etc and I did and they said again today for the second time that no error occurred based on my dispute and I havent even been out the house or been to XXXX New Jersey, which the fraudulent transactions came from I reside in XXXX Michigan and not New Jersey the charges are back to back unauthorized transactions which is obviously fraud I never even been there and whoever hacked my account and stolen my money isnt cool based on hackers and I looked on the internet its a lot of people experiencing fraudulent unauthorized transactions within their chime bank accounts which is currently looking like an inside job within their institution I saw random people on XXXX talking about this and the same error messages that chime had sent to them. They also said that chime eventually paid them their money when they went over someone higher over them. I just want my stolen funds back to I can pay rent and eat again. This is very frustrating to me that this have happened. I am providing the email they they sent me in the parentheses ( This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 
You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX. 
Sincerely, Chime Disputes Team )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to XXXX credit reporting agency. I just checked my XXXX credit report and noticed that there investigation was completed and the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts that were showing as deragatory were finally deleted off my XXXX credit report. ( I have been disputing these 2 accounts for months and finally it has been confirmed to remove them off my credit report because they did not belong reporting on there ). However XXXX is still reporting this wrong information. I have tried numerous times to contact XXXX and re-dispute these 2 accounts but keep getting transferred back and forth. I wrote into XXXX to dispute these accounts again but have heard nothing back. If XXXX was able to confirm to delete these 2 accounts that do not belong on my credit reports then why is XXXX  avoiding the complaint and just keep updating the information and reporting it. Having this wrong information reporting is affecting my credit score in a very negative way which in turn is affecting me in obtaining substantial credit.
Product: Payday loan, title loan, or personal loan

A loan was taken out in my name, but not by myself. It was taken out through arrowhead advance. I am in the process of changing my ssn. But they had auto-withdrawn money from my account for months and i didnt realize it until it was too late to fill an unauthorized transcation form for most of the withdrawn funds. 10x ( 1 time weekly ) from XX/XX/XXXX until XX/XX/XXXX. All dates hilighted in yellow are ones taken from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called into each credit bureau and asked them kindly to please do a full investigation of every piece of information on the accounts listed below over a month ago! And nothing was done. I called in because i didn't not recognize the accounts and they are unauthorized.

15 U.S.C 1681 C-2 605B A : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not any information relating to any transaction by the consumer.

CFPB, Please help me work with the credit bureaus to make sure these accounts that do not belong to me get removed from my reports. I just want my report to be 100 % mine and 100 % accurate. I want my voice to be heard and I want the credit bureaus to do a proper investigation and review every detail of all these accounts as well as my ftc report and police report and remove these unauthorized accounts. Like I said, I believe I'm a victim of identity theft so they should be removed within 4 days of receiving this anyways because I just filed the ftc report and police report. ( review 605b ) The accounts/inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



1. XXXX  - XXXX 2. XXXX  - XXXX 3. XXXX XXXX XXXX - XXXX 4. XXXX - XXXX 1. XXXX  XXXX - XX/XX/XXXX 2. XXXX  XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is : XXXX XXXX XXXX I reside at XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are inaccurate. 
MY CURRENT EMPLOYMER is XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I also see that on my report there are several incorrect spellings on my name and i'd like to remove any variations that do not read as XXXX XXXX XXXX.
Product: Credit card

Synchrony Bank took over the Lowes credit card division. The card changed to a My Lowes Reward card at some point after that. I have had a Lowes card for well over ten years. Until Synchrony Bank took over their account I had no problems with my Lowes credit account. My last purchase on this card appears to have occurred in XXXX of 2024, in the amount of {$20.00}. Until that point my account was paid in full. I pay my accounts off monthly. I did not receive a bill for the XXXX purchase. Instead, I received what Synchrony is titling a replacement statement. Synchrony says that I requested this replacement. I made no such request. Perhaps the bank realized its own error in not sending a bill and sent this instead. The balance on that bill is {$140.00}. My only purchaser on that bill is th3 {$20.00}. The remaining debt has to do with Fees, interest, and a fee for a paper statement. Then I began receiving phone calls and text messages from Synchrony. I received a voice mail that said I owed {$30.00}. In thinking that was possible I paid the {$30.00}. In XXXX I received a statement from Synchrony that says I owe {$160.00}. Since I have intentionally not made more purchases on this card, I know that is not for purchases. The amount they are charging is for fees and paper statements only. I paid the amount so that it would not affect my credit score however, I do not believe this money was owed to Lowes or Synchrony, and I would like to obtain a refund. Once Synchrony posts the amount paid, I will be cancelling this card. I have had prior problems with Synchrony and my Care credit account. In that instance they issued me a new card. I did not realize they had opened a new account under my name without closing the other account. In error I paid them under the former number. It took months of my calling and emailing Synchrony to correct that issue. I have heard at least one other person complain about the practices of Synchrony bank. I believe this Bank is overcharging people and acting in an unscrupulous manner. A review of my credit will show that I am always up to date in my accounts.
Product: Money transfer, virtual currency, or money service

money was taken from my account that I did not authorize by someone on XXXX two different times one transaction ended up being around XXXX the other XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Dear Sir/Madam, I am writing this letter to dispute the validity of a collection account that appears on my credit report. I believe it is in both our best interests to clear up any misunderstandings and resolve this matter amicably. I request that you investigate the account in question and remove it from my credit report immediately. 


Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX, XXXX I am disputing this collection account on the following grounds : 1. Verification : I have never received any correspondence or communication regarding the above-mentioned debt. According to the Fair Debt Collection Practices Act ( FDCPA ), collection agencies are required to provide verification and proof of debt upon request. I kindly request you to provide me with any relevant information, including copies of original agreements, invoices, or any documentation that validates the debt in question. 


2. Inaccurate Reporting : I have reviewed my credit report, and I believe that the reported date and amount of this collection are inaccurate. I request you to review your records and provide accurate reporting details for this account, including the correct dates and payment history, if applicable. 


3. Identity Theft : I am concerned that this account may be the result of identity theft. As I have no recollection of conducting any business whatsoever with the alleged creditor, I genuinely believe that my personal information might have been compromised. Therefore, I kindly request you to conduct an internal investigation to verify the accuracy and legitimacy of this account. 


Please note that according to the Fair Credit Reporting Act ( FCRA ), accurate and up-to-date information must be reported on my credit report. If you fail to provide sufficient proof or fail to respond within 30 days of receiving this letter, I will take further action to protect my rights under the FCRA. 


I request that you promptly investigate these claims, and if they are indeed substantiated, I respectfully demand that you remove this collection account from my credit report and cease any collection activities associated with it. Additionally, I request a written confirmation of the removal of this item from my credit report within 15 days of your investigation. 


I would appreciate your immediate attention to this matter to avoid further escalation. I intend to monitor my credit report closely and expect a timely response from your agency. Failure to resolve this dispute adequately will leave me no choice but to pursue legal action to protect my rights. 


Please respond to this dispute in writing and provide all necessary documentation related to the investigation to the address listed above. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX
Product: Credit card

I booked a flight through American Express Travel for travel in XXXX of XXXX. I cancelled this flight due to unexpected circumstances and received a credit of {$580.00} for the cost of the flight. 
In attempting to utilize this credit, I was only able to utilize the base fair of {$510.00} for the new flight. They retained the ~ {$70.00} in original taxes and fees and charged an addition {$140.00} in taxes and fees for the new flight, which I could not apply the residual credit value to. 
I see this as collection of taxes for services not rendered / double taxation and deserve a refund of the original taxes and fees paid to American Express Travel.
Product: Student loan

My federal student loan was transferred from Great Lakes to Nelnet for servicing in XXXX. My first repayment is due XX/XX/XXXX and I have been attempting to logon to submit my payment information since XX/XX/XXXX ( today is XX/XX/XXXX ). Nelnet has deleted the mobile app, requiring customers to utilize their mobile website which I have been unable to access since XX/XX/XXXX. I have switched to using my laptop to access the website and it is also not loading, stating volume is unprecedented and to try again later. I am unable to submit my payment information which could result in a late payment and additional interest and fees on my account, which I would not have incurred if I was able to make my payment when I originally logged on. Nelnet 's telephone customer service is receiving unprecedented call volume and I am unable to get through that way as well. I believe Nelnet is in violation of Regulation Z and UDAAP when it comes to servicing student loans.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Fair Collections & Outsource XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Re : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing to dispute the validity of the debt associated with the account referenced above, as permitted by the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), 15 U.S.C. 1692g ( b ). I request that you provide me with written validation of this alleged debt, as required by law.

Specifically, I request the following information to validate this debt : 1. Verification of the Debt : Proof that I owe this alleged debt, including a copy of the signed agreement or contract that created the original obligation. 



2. Itemization of the Debt : A breakdown of the amount being claimed, including the original balance, interest, fees, or other charges added to the account.

3. Proof of Agencys Legal Right to Collect : Evidence that your agency is legally authorized to collect on this debt, including a copy of the assignment or purchase agreement from the original creditor.

4. Original Creditor Information : The name, address, and contact information of the original creditor to whom this debt was owed, as well as any documentation of the original debt terms.

5. Consumer Reporting Verification : Documentation showing the accounts reporting history to consumer reporting agencies, including the date of first delinquency.

6. Verification of State Compliance : Proof that this alleged debt falls within the statute of limitations for collection in my state of residence.

Until the requested information is provided, I do not acknowledge or agree to the validity or ownership of this debt. Additionally, I request that you cease all collection activity on this account, including reporting to credit reporting agencies, as required under 15 U.S.C. 1692g ( b ), until validation is provided.

Failure to comply with my request may result in further action on my part, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Please note that this letter is a formal request under the FDCPA, and I expect your full compliance. I also request that you do not contact me by phone ; all communication regarding this matter must be in writing. 

Sincerely, XXXX XXXX
Product: Credit reporting

Describe what happened so we can understand the issue ... 
I have been disputing multiple fraudulent accounts on my credit reports with Experian, XXXX and XXXX to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate their results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed