23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX. I have filed for a PHEEA rehabilitation program and completed the program. According to the agreement, they were suppose to remove every derogatory and negative items on my reports for that account. I have submitted the information to XXXX and they honored it and removed it but XXXX is failing to do the same.
Product: Debt collection

In XXXX mi exwife rented and aparment in XXXX and we got separated in XX/XX/XXXX, and witch my exwife to out the any right from the aparment, and we got divorced in XX/XX/XXXX, went she move the company never returned the dispoite {$2000.00} dollars she moved to XXXX and bought a house, now after 4 years without any conscta and disclosure of my rights they post in my credit files and collections,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached below in which I have no knowledge nor gave consent for this account in which Im reporting as identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 


TRANSUNION INQUIRES PLEASE USE HUMAN VERIFICATION AND NOT E-OSCAR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I need a credit freeze for all credit bureaus listed : -XXXX  XXXXTransunion -XXXX  XXXX -XXXX  XXXX
Product: Debt collection

I ordered a copy of my credit report and noticed that a company named Portfolio Recovery Associates LLC was reporting negative items on my report. I have never head of Portfolio Recovery Associates LLC and need Validation/Verification of reported as I don't recognize any of the alleged accounts.

Portfolio Recovery Associates LLC XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to Equifax in a recent dispute and asked for the account with XXXX XXXX XXXX  XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. After the reinvestigation, Ive noticed that the date of last payment is incorrect and that the last due amount, actual payment amount, high credit amount, date of last activity, monthly payment, account status, creditor classification, balloon payment date, balloon payment amount, deferred payment start date, date closed, scheduled payment amount, and charge off amount remains incomplete, in which is inaccurate.
Product: Consumer Loan

In XX/XX/2011 i purchased a vehicle only to find out the dealership XXXX Georgia lied. I was in Bankruptcy at the time. The sales manager advised that their dealership could sell cars to this in bankruptcy without going to the courts. After a short time speaking with my bankruptcy attorney i wanted to change filing, I disclosed the car. I was told i needed to get court permission i called the dealership they did not help. I told the general manager how the ssked manager stated i needed to pay my down payment in cash. I gave her XXXX i just checked my credit and the loan company has it that the transaction took place last year. I should be removed off my credit. XXXX is the company the collection company us second round in XXXX Texas
Product: Credit reporting, credit repair services, or other personal consumer reports

You have reported this account incorrectly on my report. 

XXXX XXXX XXXX XXXX This account is reporting positive payment history while you are reporting REPETITIVE CO MARKS which is an inaccurate and a clear violation of my right under the FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has taken more than 30 days to investigate and remove this fraudulent and inaccurate info from my report. 
XXXX XXXX for XXXX XXXX at XXXX was placed on my report in 2019, literally several years after I had any association with XXXX XXXX and XXXX. This is clearly fraud on the part of the company to try to frighten me to give money they are not entitled to. I ended my lease legally as I had to tend to family medical emergency and had government reassignment. It was understood when I left and there was no balance do! Its fraud to come back 2 or 3 years later and try to extort money from someone! 
The company XXXX is located in Georgia, not in the State of Texas. According to federal law it is illegal for a debt collector to try and collect debts out of state. This company is in the top 5 most complained against companies in its class and on BBB and CFPB. They are notorious fraudsters and have lawsuits against them. Transunion is resisting following to law and its efforts to maintain this false info on my report is hindering my efforts for housing and other financial instruments. They must delete this info immediately. The other CRAs have long since removed this because they know the reputation of the company and know that what I state is true. Only a lazy and illegitimate investigator would report something as verified from these guys! It should have been removed the first time I asked them to.
Product: Credit card

My Kohls card had an unauthorized purchase for {$930.00} of a table and chair set that was shipped, refused, and tracking confirmed the return was received at the vendors dock, signed for and Kohls sent a letter stating until the charge was investigated I would have to make payments. I refused and they are haven't credit the return and want me to pay my billing until they resolve a fraudulant purchase.
Product: Vehicle loan or lease

I reached out to navy federal credit union about my car contract And advise them that they failed to disclose things in my car contract so I could have made a sound decision with all information being disclosed to me. Failed to disclose that I have a right to rescind, failed to advise I have an option to opt out of certain information being shared, sold or securities without my permission. Failed to fully disclose what a epromissory note transferable mean. Had I had a full disclosure of these thing I would not have signed into this contract that is not favorable to me as the consumer without instructions. The truth in lending act has been violated, the gramm-leach-bliley act has been violated and other federal laws thats suppose to protect consumers rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT
MY WRITTEN INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes ( online and certified mail ) with the original letters directly from the credit grantor where a brief explanation is provided for why they requested Experian to delete the referenced accounts. Experian ignores the documents, and the disputes always end up and verified, whereas, they should be deleted.
Product: Debt collection

I satisfied my debt on XX/XX/XXXX.  The law office that handled the collection placed a lien on my home and as of XX/XX/XXXX, the lien has not been removed.  This has prevented me from obtaining title insurance and prevented me from selling my home.My county recorders office informed me that the law office had improperly completed an Acknowledgement of Satisfaction of Judgement and therefore, the lien cannot be removed.I contacted the law office on XX/XX/XXXX and informed me of the problem.  They told me to have the title company send them a "demand in escrow" which they did immediately.  The law office never responded to this demand.  I have contacted the law office numerous times but they will not respond to any of my e-mails.  I finally received a response on XX/XX/XXXX where XXXX XXXX, director of operations stated that they would re-file the proper documentation but only after their notary returns the following week but to date, nothing has been filed and the law office won't return e-mails or give me any updates.  I reported the lawyer to the  California State Bar for misconduct and I sent a copy of the complaint to the lawyer.  I received an e-mail from the lawyer in 11 minutes stating that they intended to file the correct paperwork however, this has not been done as of this date.  This is holding up the sale of my home and I have now lost the pending sale.  My debt was satisfied 3 years ago and the Lawyer has the obligation to remove the lien from my property.  California law requires the lien to be removed within 15 days of the debt being paid off.
Product: Credit card

I placed {$1200.00} in my Bank of America credit card account. Bank of America reduced my credit limit by {$1000.00} and took {$1000.00} of the {$1200.00} fr from my account. The {$1200.00} was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that BOA may take money from checking account. I can not even close the account without realizing further credit penalties ( BOA is my longest opened account ). Finally, the credit report used was based upon inaccurate information. However, if it were accurate, lowering the credit limit and then appropriating funds can not be an ethical - even if legal - practice. Please return the {$1000.00}. 
I do not care if the credit limit is lowered ( in fact, that would mean smaller monthly payments ). I am employed ( XXXX ) and I receive social security. I work hard to maintain my credit. This action only serves to undermine my financial health and efforts to demonstrate credit worthiness. Please help.
Product: Debt collection

I received a call from CBE Group on XX/XX/2022 at XXXX from phone number XXXX. I answered and was asked if for me by name. They then attempted to verify who I was by stating the last 4 of my social security number and asking me to verify. The person then argued with me when I said that the last 4 of my social security number is protected information and that the collection company should not be giving it out freely to verify who they are talking with. I have delt with this agency years ago about this very thing. They have not changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix my payment options with GENESIS FS CARD SERVICES, but they just keep on sending me back payment slips saying my payments are effective payment instruments. I am sending this complaint to resolve this issue and get my credit report cleared of all GENESIS FS CARD SERVICES residue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

XX/XX/2022, I contacted the office to try and cancel the additional add-ons that were attached to my account with out my consent and was told it goes lon requirements and would be liable to for interest accrued if I cancel the additional add-ons products and my interest rate would be increased. I asked to speak with management the sale Rep disconnected my call. This is unfair.
Product: Debt collection

I have been receiving several calls from " Portfolio Recovery, '' which I looked up and learned is a debt collection agency. I do not owe any debt, I have also checked my credit report to confirm this. They leave voicemails without any message so I am unsure if they are attempting to collect a debt from me or not, and if so, what it may be. I have not received anything in the mail, which further suggests to me that this is an erroneous repeated robo-call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XX/XX/year> I paid half of my balance on the account in an effort to improve my credit score. {$2200.00} payment. XXXX XXXX  acknowledged the payment and then denied having recived the payment back and forth 4 or six times. then they games with accessing or even discussing the account demanding my social security number and refusing to find the account based on the account number or my name, address, phone #. this is just data mining. then XXXX reported the account delinquent twice based on their internal confusion as to if they recieved the payment or not. XXXX  still refuses to correct the record and is sending derogatory information to credit reporting agencies despite the fact that I paid off half of the principal. XXXX  also refuses to negotiate a payoff and closure of the account. XXXX  reports harmful misinformation to credit reporting agencies and refuses to correct the record. XXXX extorts account holders for personal information that they have no right to access by denying access to accounts and any ability to manage accounts. XXXX  lies to account holders claiming they can't find the account based on the account number. lies, thievery, extortion, bullying ; this is not a bank its a criminal organisation.
Product: Credit card

I filed a dispute against merchant XXXX for billing me in the amount of {$39.00} from XX/XX/XXXX through XX/XX/XXXX without my consent or knowledge. I have been refunded for the monthly charges from XX/XX/XXXX through XX/XX/XXXX. However, Im still pending refunds for the monthly charges from XX/XX/XXXX to XX/XX/XXXX. I have reached out to the merchant directly which declines to offer me any information or proof that I signed up for their monthly service, hence why I disputed it with Citibank, the company I have my credit card with that was billed for these transactions. I filed this dispute in XXXX XXXX XXXX. I had called in XXXX and XXXX of XXXX and was told it would take an additional XXXX billing cycles to resolve. I called Citibank back today, XX/XX/XXXX, to follow up on the status and was once again told it would take XXXX billing cycles from today 's date. Im writing this complaint since it is now XXXX months since I filed this dispute and Citibank does not appear to be making any progress.
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 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Student loan

AES has not provided complete and accurate records of my loans to the US Department of Education after they failed to have me on the proper repayment plan when they knew I was pursuing XXXX. I've been paying on my loans for 15 years while having the same ( qualifying ) job the entire time. My loans should have been forgiven a long time ago. AES needs to provide my payment info, as well as info they received from the previous company who handled my loans, to the US Department of Education.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Debt collection

Transworld Systems Inc. XXXX XXXX XXXX XXXX , DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XX/XX/XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXX and I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if Transworld does not contact them to straighten this out.