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

To Whom It May Concern : This letter is being sent in response to inaccurate and damaging information reported to the Credit Bureaus by XXXX XXXX XXXX regarding my account, causing significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. 

The information currently reported on my credit file with XXXX, XXXX, and Experian includes the following inaccuracies : Account Number : XXXX Open Date : XX/XX/year> Loan Amount : {$15000.00} ( This amount is incorrect. ) Status : Reported with late and derogatory information This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION under the Fair Credit Reporting Act. I respectfully request that you provide competent evidence that I have any legal obligation to pay you regarding this account. Please note that my vehicle was stolen, and my claim with XXXX XXXX is still open under Claim No. XXXX. XXXX is currently assessing the situation, and no final determination has been made. 

XXXX XXXX XXXX never contacted me after they took possession or repossession of the vehicle. When my vehicle was recovered, XXXX discarded my personal belongings valued at approximately {$30000.00}, which included irreplaceable items. Given that XXXX failed to notify me, and this claim is unresolved with XXXX, I am requesting that all negative and derogatory information be removed from my credit report immediately. 

Please provide me with : 1. Documentation of the debt, including the correct amount, as the original loan amount reported is inaccurate. 



If your offices can provide proper documentation as requested, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. 

Furthermore, if any actions are taken that could further impact my credit negatively during this validation period, I will consult my legal counsel for possible action. This includes listing or verifying inaccurate information with any credit reporting agency, especially without proof. 

I also request, in writing, that no telephone contact be made by XXXX to my home or place of employment. If XXXX or its representatives attempt to contact me via phone, including automated calls or calls to any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be conducted in writing and sent to the address noted in this letter by USPS. 

It is advisable that XXXX ensures its records are accurate and corrected before I am forced to pursue legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Debt collection

Portfolio Recovery continuously lied on the credit bureau stating that This account was owed what they did was instead of putting the name of the debt which is already paid they put XXXX XXXX   which was bought out by XXXX XXXX but instead they stated that it was a debt with XXXX XXXX XXXX that was owed which Was re-aged because this was an account from XXXX now they listed it stating that I owe a debt which I do not. They also reported to the credit bureaus that was a factoring account Which again is incorrect they also stated that a payment was made in XXXX which again was incorrect there was no payment that was made in XXXX for them to state that is against the law and against my rights. This was clearly an account that was really aged for the sol benefit of Portfolio Recovery Services XXXX XXXX XXXX. This debt was Re-aged and Portfolio Recovery Services did not put the correct information on the credit reports, the wrong Date Opened and the wrong Balance and wrong Status. Inaccurate information like the Date this account was opened, they also stated that a payment was made in XXXX which was incorrect. When ask them to send in the documents showing a payment was made portfolio recovery could not. The Account was open XXXX and the Last Activity was in XX/XX/XXXX. This account was bought out by XXXX XXXX Then was Re-Aged by Portfolio Recovery Services which is illegal and in clear Violation for the FCRA and FTC
Product: Checking or savings account

Have my business and I tried to open a business account which I was allowed them later closed saying consumer reports rules and regulations why the bank closed my account
Product: Checking or savings account

Vystar Credit Union did not send bank statements, call or email regarding a checking account that went negative. Their online portal was continuously down, broken and unable to login to their portal. Their app was broken and unable to login through there as well. No notice that the account was negative until they put a charge off on my credit bureau accounts. When I called to investigate, they were unsupportive and could not explain how I had not received any notice or communication. When I asked for a pay for delete and stated my frustration with their website and bank app, they said they would not resolve it by any means. I noticed that this is a common recurrence based on the past lawsuit for this exact issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights on XX/XX/24. 
XXXX XXXX has violated my rights on XX/XX/24. 

15 U.S.C 1681 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 make 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 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.

15 U.S.C 1681 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 make 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 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. Delete account immediately.
Product: Credit reporting or other personal consumer reports

In XXXX of this year, I contacted Bread Financial, formerly Comenity Bank, regarding some accounts that I previously had with them. The accounts were not in collections, but they were showing as delinquent. I asked if the accounts were eligible for settlements, and I was told that they were. 

I made payments on all five of my accounts ( XXXX XXXX, XXXX Victoria 's Secret Pink, XXXX XXXX XXXX and XXXX XXXX ), in order to settle the accounts. Per the documentation that Bread Financial/Comenity Bank gave me, they did not update my reports according to their agreement. My credit score has plummeted because they have been reporting the accounts as delinquent.
Product: Debt collection

Holloway credit solutions LLC have sent me a debt collection letter of an amount I know nothing about. I would please like this removed its causing me to have low credit score which is on my credit report.
Product: Credit reporting or other personal consumer reports

This is my numerous request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021, Chime Bank has blocked my checking account and credit builder account and I don't have access to my money. All my payments from the Illinois Unemployment Benefits are being frozen by Chime. I am 7 days late with rent payment because of Chime. I called Chime many times, and I sent them e-mails, and none of my emails have been answered yet. In addition, today is my due date for my XXXX XXXX credit card payment, otherwise they will report missed payment to the credit bureaus and my credit score will down. They are basically ruing my life with this. 

I expect access to my money as soon as possible before I get evicted.
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 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i placed a call to experian today to make a complaint about a dispute today XX/XX/XXXX at XXXX XXXX the rep i spoke with was male and was extremely nasty and disrespectful he was yelling at me calling me rscists names over talking me i asked for a supervisor and XXXX continued to make taunting comments to me for no reason. i was extremely upset and disappointed at the unprofessional behavior i received from this rep
Product: Credit card

I received a letter from JPMorgan Chase Visa on XXXX/XXXX/2015 regarding a change in credit terms. Letter was dated XXXX/XXXX/2015, effective XXXX/XXXX/2015. Is there not a regulation regarding appropriate notice regarding changes in terms? In addition, interest rate went from 9.90+prime to 21.74+prime for new transactions for no apparent reason. No violation in original terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
XXXX / XXXX XXXX XXXX /XX/XX/XXXX XX/XX/XXXX
Product: Credit card

Wells Fargo Credit Card used to purchase XXXX XXXX tickets in my name, false address, false e-mail, and false phone number. ( all similar to mine ). XXXX says it's fraud go back to Wells Fargo. Wells Fargo says they were purchased in my name, only the person named on the ticket can fly. Had a lawyer send XXXX XXXX a letter, but they replied no fraud case had ever been filed and sent me back to Wells Fargo. I never authorized the purchase of these two tickets or had any idea who purchased them or flew them. I filed a police report and they referred me back to Wells Fargo. Asked for a Wells Fargo supervisor to call back more than twice and have never received a callback. 
The account is closed and paid off except for charges of the airfare, late fees, and interest. Under {$2500.00} is owed but now the lack of payment has affected my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on 3 different occasion i have sent depute letters to XXXX, XXXX and Equifax about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt or credit management

In XXXX The company charge me {$3700.00} more than I expected and the fine print was confusing. I tried to keep up with the payments between XXXX, but COVID shut down changed everything. They increase the amount I owe. There was a breech of information and there was additional money that I owe. XXXX they sued me and was going to garnish my payments. I had to make a settlement and borrow money to pay them off. The charged me {$6700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED A PRODUCT FROM XXXX XXXX XXXX THEY FINANCED IT THRU TIDEWATER FINANCE. WE HAD PROBLEMS WITH PAYMENTS BEING PUT ONTO THE ACCOUNT CORRECTLY SO IT WAS PUT THRU THE COURT HOUSE TO PAY PAYMENTS SO IN XX/XX/XXXX WE STARTED PAYING OUR 20 PAYMENT EVERY MONTH THEN WE STARTED PAYING MORE TO GET IT PAID OFF AND ON XX/XX/XXXX I RECEIVED A CALL TELLING ME IF THE BALANCE WAS NOT PAID THEY WAS GOING TO ADD FEES SO ON XX/XX/XXXX I PAID THERE LAWYERS OFFICE THE REMAINING {$650.00} AND I RECEIVED A LETTER THAT DAY STATING THAT IT HAD BEEN FULLY SATISFIED SO NOW ON MY CREDIT REPORT IT SHOWS CHARGED OFF AND IT WAS NOT I CONTACTED TIDEWATER AND THEY SAID THEY WAS N'T GOING TO FIX IT BECAUSE IN THERE EYES IT WAS CHARGED OFF EVEN THOU I PAID IT SO I NEED THIS FIXED ON MY CREDIT REPORT PLEASE IT WAS NOT CHARGED OFF THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is wrong and on the credit report. I only have one name : XXXX XXXX XXXX XXXX There is another name on the report. I called Equifax on XXXX to fix the report and they said they only have XXXX XXXX. I don't know why I have XXXX XXXX XXXX on my report. If this is XXXX XXXX XXXX report than I shouldn't any thing under XXXX XXXX XXXX from equifax on my credit report. I demand that XXXX XXXX XXXX be the only name on my credit report. I've attached my ID and Passport to prove my name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and had a fraudulent credit card opened in my name with XXXX XXXX. Transunion and XXXX obeyed the law and removed the fraudulent account from my credit report because they received my FTC report and police report. However, XXXX is breaking the law and reporting the fraudulent account as closed on my credit report. I need this removed immediately or I will seek legal action because this is ruining my reputation and does not belong to me
Product: Debt collection

I never received a bill from this collection agency. This was a medical bill that the insurance agency paid late, but I never received a bill from the hospital or the collection agency for {$42.00} dollars. I need to know how to get this removed from my report because it is a medical bill under {$200.00} which I thought shouldn't be on your report anyway. If I need to pay it to have it removed I will do that. But I can't pay what I don't know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$470.00}
Product: Debt collection

Chase willfully misrepresented the amount of alleged debt, then sold to debt collector, writing off a highly inflated amount, while continuing to report inaccurate information and updating to appear recent. This account was disputed from the start, as fraudulent.To date, this account is being illegally re-aged and inaccurately reported. Although I 'd disputed the legitimacy of this charged-off and sold account ( XX/XX/XXXX-XX/XX/XXXX ), I paid the account in full to the purchaser of the debt years ago. I 'd disputed the Chase Card reporting XX/XX/XXXX, and they began to knowingly " update '' the account to the CRA 's with an illegally re-aged status, making the account appear far more recent, damaging our credit further. In XX/XX/XXXX, Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed with a XXXX balance, and was no longer using. At the time of the threatened judgement, we were in the midst of a refinance, and I XXXX and agreed to a payment plan, paying at least three times the original alleged amount owed ( {$2000.00} ), because Chase took the past due amount from an amount initially reported to XXXX as {$600.00}, and " adjusted '' to their fraudulently claimed charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX
Product: Student loan

I'm a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran since XX/XX/ I had XXXX separate loan companies for my student loans. I applied for discharge through Nelnet in XXXX and received a letter from Great Lakes dated XX/XX/ that my account was closed and they updated my credit information in XXXX that the account was closed. NELNET LNS never updated my information with the credit companies so I filed a dispute XX/XX/ through XXXX on XX/XX/ the dispute was updated with no change. I logged into my Nelnet account that shows a balance of {$0.00} at that time, I then called them and asked about the dispute and was told that the information on their side shows I still owed around {$120.00} when I asked how that could be because it's a discharge from Dept of Ed all I got was the run around from the person that it was possible to still owe money which I knew was not true. I figured I would wait a while and see if my credit info gets updated as of today it is still on my credit report. I just also logged into my Nelnet account and instead of a discharge it shows a payment on XXXX of other and yet I still have an incorrect balance on my credit report.