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

Dear Sir/Madam, I am writing to formally dispute a charged-off account that has been reported on my credit file by XXXX XXXX XXXX. This account, which is reported as charged off in the amount of {$4500.00}, dates back to XX/XX/XXXX. I filed a report with the National Credit Union Administration ( NCUA ) on or about XX/XX/XXXX, under Case Number XXXX regarding this account. 

Following this, I received a call from XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, requesting that I return his call regarding the investigation. Upon doing so, I was informed that this account had been sent to a collections agency called XXXX, XXXX, XXXX, & XXXX. I was provided with their contact details and contacted the agency. When I reached out to XXXX, XXXX, XXXX, & XXXX, I was advised that the balance owed is {$3000.00}, which is significantly lower than the amount XXXX XXXX XXXX has reported for the past XXXX years. 

This discrepancy further highlights the inaccuracies associated with this account. The representatives from XXXX, XXXX, XXXX, & XXXX assured me they would follow up with XXXX XXXX XXXX regarding this issue next week. However, given that I have been disputing this account for the past XXXX years for inaccuracies, and it has continuously been marked as " verified '' despite the discrepancies, it is clear that proper steps were not taken to ensure the accuracy of this account on my credit report. 

I would like to bring to your attention that Experian, XXXX, and XXXX has repeatedly reported this account as verified despite my ongoing disputes, which is in direct violation of proper credit reporting standards. Recently, Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly verify credit accounts, further validating my concerns regarding this case. 

As a result of these ongoing inaccuracies, I am formally demanding that this charged-off account be removed from my credit report in its entirety. Given the significant discrepancies between the balance reported by XXXX XXXX XXXX and the collections agency, along with the repeated failures to accurately verify this information, it is clear that this account can not be considered valid in its current form. 

I request that you take immediate action to remove this account from my credit file and provide me with written confirmation once this has been done. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX, and XXXX on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying these erroneous reporting accounts as accurate, and they always reply with, " we obtain our information from XXXX and the XXXX system for these accounts. '' XXXX and the XXXX system are NOT the original creditors to any of these erroneous reporting accounts, and their reporting should not be counted as " verifiable ''. If these 3 bureaus can not give me satisfactory information and provide me with written proof of the creditor they talked too with complete phone number, and written proof with the name of the customer service member that they obtained the information from, or written proof of the clerk of courts name and telephone number, and written proof that they talked with him/her, then they are in violation of FCRA 611 and MUST DELETE these erroneous accounts from my credit report!!! I am a litigious consumer, and if these accounts and hard inquiries are not removed from my reports immediately, I will sue these bureaus for violating my FCRA rights!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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 information relating to any transaction by the consumer. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

police report for XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to understand why my credit score varies month to month. I pay my credit card balances completely every month, as well as all of my bills.I own my own co-op apartment debt free. My income and my assets have been going up annually for several years as well.The last loan I had was in XXXX for an automobile and that was paid off in 6months. I am being penalized because I have not a mortgage for 15+ years or opened any new credit lines The companies reporting these specious reports as of XX/XX/XXXX are Transunion and XXXX. When I spoke with their representatives they blame the banks. When I speak with the bank they blame the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act 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. 
XXXX XXXX XXXX Account Number XXXX has violated my rights I did not authorize any of these inquires to be placed on my credit report nor did I apply remove these immediately this is fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XXXX of 2017, I was contacted by a company saying they could consolidate my student loans and help get a lower student loan payment. After signing paperwork I was told that they would file paperwork to the US Department of Education. They also told me not to contact my student loan company as they would try to talk me out of this program. This company then rushed me through a contact signing me with the company Equitable Acceptance. After realizing the originally company promising me student loan help was not doing what they promised, I attempted to contact the company which I was unable to do. I then contacted Equitable Acceptance saying I wanted to cancel any services with them and this other student loan scam. They then told me that in the paperwork I signed I only had a three day cancellation time frame and since I am far beyond that, I was going to have to pay them the {$1300.00}. When I tried to explain the situation with the student loan assistance I was told that there was nothing I could do and that I was going to have to pay or it would count against my credit.
Product: Credit card or prepaid card

Wrote an email to SchoolsFirst Credit Union after I received by statement saying I qualified to skip a payment ( which they did not include in the statement ), but that I would continue to have interest accrue. This does not help - a deferred balloon payment with compounded interest is no help. The statement also proffered that they were 'UPDATING '' a " new design ''. 

I had asked for help in XX/XX/2020 because of COVID-19, schools were closed, so there were no paychecks since XX/XX/2020. They said the same - a deferred payment that would continue to compound interest. Not even negotiating interest for an elderly customer who had asked for help during this COVID-19 Pandemic. 

I suggested they pass the cost of a " updated statement : designer '' onto the teachers who are SchoolsFirst customers who are pleading for help re : COVID-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. These items were inaccurately and erroneously reported. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove any items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im an accountant holder with Navy Federal Credit Union. My main branch is located in XXXX, GA. 
Since opening my XXXX  overdraft for XXXX checking accounts and prior to requesting XXXX  overdraft protection, it has been impossible to avoid their insufficient fund and overdraft fees. They would hold payments excessively long until the funds were not available. The would also only release funds in the very early hours of Tuesday Morning, after the funds were no longer available. The constant and surprise overdraft fees made it impossible to properly manage my funds. It also caused me to accumulate NSF fees from the places I did business. By the time I received my direct deposit, my funds available were XXXX because of the non sufficient fund fees. This caused me great hardship. I still have my accounts but had to cancel my direct deposit and use another bank to receive my check. I would very much like to be a part of this lawsuit to recoup some or all of the fees I shouldve never incurred.
Product: Credit reporting or other personal consumer reports

Someone attempted to apply for cars credit cards and loans in my name
Product: Credit card or prepaid card

CapitalOne froze, and then closed my credit accounts ending in XXXX and XXXX. When I called CapitalOne customer service, I was informed that the reason for these closures is multiple returned payments. I was never sent anything in writing indicating that my cards were in danger of being closed. The reason for the closure ( multiple returned payments ) doesnt even apply to the account ending in XXXX, and yet it was closed anyway. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  - RETURNED CAPITAL ONE MOBILE PYMTXXXX XXXX - XXXX  As you can see above, I paid the account ending in XXXX 14 times during the month of XXXX. ( Before the account was frozen. ) The payments on XX/XX/XXXX and XX/XX/XXXX came from a balance in my checking account that Capital One erroneously made available for transfer. As soon as I became aware of this error, I made a further payment to more than cover the returned payments. I also continued to have auto payment scheduled. 

CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX CAPITAL ONE AUTOPAY PYMTXXXX XXXX XXXX XXXX CAPITAL ONE MOBILE PYMTXXXX XXXX XXXX XXXX  As you can see above, I paid the account for the account ending in XXXX three times this month. There were no returned payments on this account. 

I would like this reversed. I have paid off the full balances on both cards, and attempted to solve this with CapitalOne multiple times, but keep being told that there is nothing that can be done. 

Thank you.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference complaint IDs XXXX, XXXX, XXXX, and XXXX Once again, Midland Mortgage is being XXXX  and retaliating against me for filing with CFPB and XXXX. 
First off, in reference to the city shutting the water off, that could not be further from the truth. I have attached photos of the water turned on from my faucet. I also attached the notice from XXXX properties that was on the door stating they shut the water off. XXXX  properties is the property management group hired by Midland Mortgage falsely claiming the property was unoccupied and vacant. There is overwhelming proof that disputes that. 
We closed on the house and the new owners took over on XX/XX/2021. Midland keeps harassing  me, calling me every week, asking if the house is occupied. It even shows on my account as being paid off. 
To make matters worse, they fraudulently reported to the credit bureau a 180-day delinquency on XX/XX/2021. I have never experienced such blatant fraud committed against me from a financial institution. The house has not been in my name since I sold it on XX/XX/2021 ; plus, I was in the covid protection plan until at least the end of XXXX like so many others. 
Off to The Michigan AGs office I go. I wonder how many people they have done this to? They do not even have any branches or offices in Michigan. I am not sure why XXXX sold my mortgage to this bank but you can believe it was with bad intentions.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I returned a leased Hyundai XXXX XXXX to the XXXX Hyundai dealership. Approximately XXXX month later, I began receiving daily calls from Hyundai Finance stating that the vehicle had not been " grounded, '' meaning the dealership had failed to file the necessary paperwork confirming the return. Hyundai Finance informed me that I would need to follow up directly with the dealership, as they were unable to communicate with other departments within the same company. 

I contacted XXXX Hyundai repeatedly, but the sales representative informed me that they had lost track of the vehicle and did not know where it was. I made weekly calls for several months, but I received no follow-up until I sent an email. I also attempted to reach XXXX XXXX, the Used Car Manager, but he did not respond. I requested both a vehicle return receipt and a final payment receipt, which took Hyundai seven months to provide. 

On XX/XX/2024, Hyundai Finance reported a charged-off account on my credit file, stating that I should have continued making payments on a vehicle that was no longer in my possession and had been lost by the dealership. As a result, my credit score dropped by XXXX points on that day. I subsequently filed a dispute with XXXX XXXX, providing details of my situation and offering the vehicle return receipt and final payment receipt as proof. However, they only increased my score by XXXX points, stating that the account balance had decreased. 

On XX/XX/2024, I finally received a vehicle return receipt showing that the car was returned on XX/XX/2024. Just three days later, Hyundai Finance sent me the final payment letter. However, the final payment letter reflects the date the dealership provided the vehicle return receipt, not the actual date I returned the car. 

The credit reporting from XX/XX/2024, indicating a delinquent payment is inaccurate, as I returned the vehicle on XX/XX/2024. I have the vehicle return receipt and final payment receipt from Hyundai as proof of this. 

I respectfully request that XXXX correct this error on my credit report to accurately reflect the vehicle return and eliminate the incorrect delinquent payment entry. 

Thank you for your attention to this matter.
Product: Bank account or service

Over the years I have enjoyed doing my banking. However, over the years when I walk into a bank, I am constantly being solicted for products. It seems as though the employees are even uncomfortabel trying to push sales on customers. The retail banking environment has completely changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX