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

Dear XXXX, XXXX, XXXX I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( XXXX ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNTS SAME XXXX. 
XXXX XXXXXXXX SPRING OAKS CAPITAL I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account.

4. Documentation detailing the chain of ownership of the debt if applicable.

5. Any additional evidence used to verify the accuracy of this account 's reporting.

If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA.

Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ].

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX ________________________________________
Product: Checking or savings account

Fraud with well fargo. They closed my checking account and made it difficult to access the account to pay loan. They closed the account and may appeared and ran loan up that want me to pay that I would like removed and that account was in good standing..
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I ASK THAT THE ITEM BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Debt collection

I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.
Product: Debt collection

Hospital is billing me for services and care to my new born son. We are currently covered under insurance however they removed the insurance coverage for my son my clerical error. Then, when they reinstated it, amount were higher due to deductible which is over $ XXXX family annually. Then XXXX 's sent these bills to CMRE Financial Services Inc. without our knowledge and consent. 
I called them a few times to settle this portion of the said debt, and was given different information each time. XXXXXXXX XXXX said there is option to pay the agency and get settlement discount. I called them and the rep I spoke to told me there was a discount and now there isn't. It's shady practice and to take advantage of our situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My inquiry to XXXX XXXX Account : XXXX, confirmed that Experian Credit Bureau has never validated or verified the erroneous entry on my credit report pertaining to the named account. In XX/XX/XXXX, XX/XX/XXXX, and XXXX sent through certified mail, I mailed letters to Experian in order to dispute the validity and reporting status of this account. I cited that according to section 616 and 617 of the FCRA that if these accounts were not verified, then by law they should be deleted from my credit report. Despite three written requests, the unverified account still remained on my credit report in violation of Federal Law. Experian is required by federal law under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of the investigation Experian stated, in writing, that additional information had been provided, and that the creditor verified to them that these items were being reported correctly. I was not informed as to what information was provided about the accounts, and more importantly, I was not provided with a copy of any original documentation. This documentation would be a consumer contract, or business agreement with my original signature on it as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. I followed up with a third dispute letter to Experian in XX/XX/XXXX and was met with a letter from them stating that they will not reinvestigate my claim. This is also a direct violation of the FCRA when you consider the fact that they never conducted a reasonable investigation in the first place. Furthermore, Experians unwillingness to conduct a reasonable investigation should not be taken lightly, as attempting to work with them has caused me to lose opportunities due to these errors. Experian has done the following : Experian never requested verification or validation in the form of and original contract with my signature on it to ensure 100 percent validation/verification, as I have requested several times which is in direct violation of the FCRA. 2. That even though I filed a dispute regarding the validity of the exact account, and followed the law and deleted this invalidated account ; knowing this, Experian did not conduct the reasonable investigation needed in order to make sure that their reporting of this account was accurate and congruent with the other Credit Reporting Agencies. Again, per the FCRA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for reporting to your services could fax, mail, or email in fraudulent and erroneous account information. I have given Experian multiple opportunities to follow the laws and Ive even called them in order to discuss my concerns, to no avail. Please assist me with this matter, as it is very clear that this account should be permanently deleted from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX my card ending in XXXX was fraudulently charged 3 times by XXXX in the amounts of {$97.00}, {$5.00}, and {$30.00}. I immediately received notice of these charges from Wells Fargo via email and text. I called on the same day, XX/XX/XXXX and spoke with customer service who stated she would file a claim on these charges, close my account ending in XXXX, and send me a replacement card. 

Today, XX/XX/XXXX I received a letter from Wells Fargo Claims and Recovery stating that We have completed our research and found that the unauthorized transactions that were reported did not post to your credit card account and will not appear on your credit card account statement. 

I called Wells Fargo today, XX/XX/XXXX and spoke with one fraud rep by the name of XXXX who stated she could not find the above stated fraud transactions on my old account ending in XXXX. She looked at my new card/account ending in XXXX and advised that those fraudulent charges had posted on that account instead. She advised she would have to transfer me to her counterpart XXXX to assist me. I was then transferred to XXXX, who then reverified my personal information, I then explained the situation to her again. She advised she would document those above stated XXXX charges as fraud and close my account. She then cold transferred me back into a queue after which the line was disconnected. 

I once again, called Wells Fargos fraud department. Spoke with a new rep, who advised me she would document my fraudulent XXXX  charges, she confirmed that my new card ending in XXXX was closed/canceled, but then stated she could not processes a replacement card. She once again had to transfer me to a colleague to assist me with the replacement of my card. I was then transferred to a gentleman by the name XXXX I believe who after verifying me for the 4th time, stated he could not processes my replacement card and could not explain to me why. He just stated I needed to go into a branch. I ended the call and came here to report this. 

Wells Fargo, this is appalling. I am frustrated and disappointed with the quality of your employees. I am questioning my future with you for my banking needs. 

I want the fraudulent charges from XXXX that I initially reported on my account ending in XXXX to be removed from my account. 

I NEED a replacement card for the account that was closed and that has the fraudulent charges showing on ending in XXXX. These XXXX charges were pending when I reported them on my card ending in XXXX, obviously they posed to the replacement card ending in XXXX. XXXX not sure how difficult that is to understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Dept of EDXXXX  # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # xxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I reviewed my credit report and identified several accounts that I believe are fraudulent. Kindly remove them from my report immediately.
Product: Checking or savings account

On XX/XX/XXXX, I initiated a dispute for the amount of {$1300.00} against XXXX XXXX XXXX *BOOM THEN RAN XXXX WI XXXX According to XXXX website the merchant bank has up to 45 days to respond to the claim. 

It has been 51 days since the dispute was initiated and 48 days with no response. How do I get my money and how will they be disciplined?
Product: Debt collection

XXXX XXXX : debt XXXX on XX/XX/2018 services stated they have submitted to all three credit bureaus to have this debt removed because it could not be validated. Two of the three have had it removed. Equifax keeps stating that they never received confirmation to remove the debt. XXXX XXXX gave me a confirmation number and date when they removed, but Equifax won't budge. I informed them I am filing a complaint.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XXXX XXXX AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : XXXX XXXX OF XXXX GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER XXXX SUBCHAPTER C PART XXXX XXXX ME THE RIGHT TO OPT OUT. 
-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XXXX.
Product: Credit reporting or other personal consumer reports

EQUIFAX CREDIT BUREAU IS REPORTING NEGATIVE INFORMATION ON MY REPOR. 

XXXX XXXX XXXX XXXX XXXX AMOUNT : {$2600.00} DATE : XX/XX/year> ACCOUNT # XXXX. 

ALSO, EQUIFAX REFUSAL TO REMOVE A " FRAUD ALERT STATEMENT OFF OF MY REPORT ''. I ASKED THEM MULTIPLE TIMES TO REMOVE THE FRAUD ALERT AFTER SUBMITTING DOCUMENTS
Product: Student loan

Starting on XX/XX/XXXX I have attempted to contact MOHELA customer service to discuss a refund of payments. I have called everyday excluding Sunday in the morning, afternoon and evening. Each time I spent an average of XXXX minutes waiting in a phone tree. Once I am able to get to the option I need to talk with someone about wanting a refund I will be given a message that no will be able to talk with me. The phone tree will then drop me into an infinite loop asking for me to input information about XXXX. 

I have since attempted to send messages through MOHELA 's website and have not received any reply.
Product: Credit reporting or other personal consumer reports

I previously disputed these accounts with the relevant credit bureau ( Equifax ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The details of my dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report. 

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on furnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this section emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Product: Debt collection

Midland Credit Management has sent my job a garnish wages court order. My job is taking the money out my income and the dob doesnt even match
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a home to better me and my families lives and i realized there were some damages on my credit report. I have already been in breaches and I thought you all were going to protect my information. This is a defamation of character because it is affecting my livelihood. Now me and my family are being negatively impacted which is affecting my emotional and mental state. 

According to- 15 U.S.C & 1681 you guys have broken the law because these damages are definitely fraud and I am trying to move forward.
Product: Debt collection

short of cash paying vet bill in XXXX 2016, they offered a credit card from CareCredit/Synchrony Bank. HOWEVER, I had to charge an extra {$200.00} on the card for absolutely no services rendered to me. A few days later, still very upset over the rediculous charge fee, I withdrew funds from my savings account and had a bank check sent directly to the vet - not the credit card company. The check arrived at the vet 's on XXXX XXXX, 2016. A couple of weeks ago I started getting phone calls - daily - sometimes four times a day from CareCredit. I have not answered except for the first time, which turned out to be a recorded voice. They did send me a bill for {$220.00} as they added interest.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Mortgage

Hi, I have attached emails i have sent to my " borrower advocate '' at LoanDepot. I am currently in forbearance and I am trying to exit forbearance but LoanDepot does not seem to want to accept my payment. I get sent in a circle, go talk to the borrower advocate, then yes go ahead and pay, and then it turns out I can't pay they are demanding my full 12 months of payments before I can make a mortgage payment. 

I tried to pay over the phone and kept getting sent in circles I tried to pay online and they will only accept XXXX or nothing I explained I have an application pending for homeowner assistance and I want to start to make payments but nobody will assist me with this
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to dispute the accuracy and reporting status of an account listed on my credit report. The account in question is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and it is inaccurately being reported solely on my TransUnion credit report, but not on my credit reports from XXXX and XXXX. This discrepancy raises concerns regarding the accuracy of the information being reported by TransUnion. Furthermore, this account, opened and reported as of XX/XX/2015, is past the statute of limitations for credit reporting and should no longer be appearing on my credit report. 

Account Details for Reference : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reported : XX/XX/2015 According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information reported on an individuals credit report. The presence of this account on my TransUnion report, and its absence from my XXXX and XXXX reports, constitutes a clear violation of this requirement. 

Additionally, the FCRA stipulates a maximum reporting period of seven years for negative information. Given that the account was first reported on XX/XX/2015, it exceeds this period and should be removed immediately.