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

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the three major credit bureaus : XXXX, TransUnion, and XXXX. 

Details of Fraudulent Activity : XXXX. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. 
I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. 

Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX Date Of Birth : XXXX  Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Product: Debt collection

Was informed that I owe on a old payday loan. Was told their are XXXX actions pending against me.. They said I committed a a fraud by taking out such loan and not paying it back.. They claim the debt was from sometime back in XX/XX/XXXX and it was charged off in XXXX They informed me that they contacted my current employer.. But at the time I was not employed by them.. They also said the debt was sold to them, and I owed them now.. The mentioned my current bank but a old account number.. The also told me my old address.. When I asked them for their company name, their current address, on women told me the name of the company MAC and current location as in front of her desk?? I also pressed for the company that I orginally had the loan from, the account number, the companies ( whom I owed ) current address and contact information.. I was told that they could not and would not provide me with such information ... I was also informed a server would show up and serve me with papers to appear in court.. When I asked them, how is that possible when they did not have my current address. Her reply was the server has it and will show up today XX/XX/XXXX at XXXX Well the time came and went.. I was finally able to get one person who I talked to, to give me her name and email address. Her name was XXXX XXXX, with a email address of XXXXXXXXXXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a situation with Bank of America which cause it to reflect negative on my consumer report. This negative remark is now causing an issue with me getting a position that I've worked very hard for and is well deserved. I simply ask after 16 years are almost perfect payments, that I may receive good will on the one missed payment. See attachments for detailed explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted an request to Experian to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/2019 I submitted a 2nd request to Experian to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

I did receive a letter from XXXX XXXX XXXX stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from XXXX XXXX XXXX stating there was insufficient information.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago I sent this dispute to you CFPB along with the 3 credit bureaus XXXX, Trans Union and XXXX - to remove accounts that I have paid the original creditor now going over two years ago and it show as collection with balances which by law is a violation of incorrect information on my credit reports. 

I am requesting that the following inaccurate items be immediately investigated. I PAID OFF in FULL to original creditors. Please delete this misleading information in order to show my true credit history. By provision of 15 USC section 168i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few record that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureau to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX : {$170.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 
The account in question is as follows : Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XX/XX/scrub>XXXX XXXX XXXX  ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event.

Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act.

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

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

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$0.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 14 of the attached credit report. ) This account should never have gone to collections. XXXX XXXX XXXX was sending the bills to an address that was over ( 4 ) years old so I was not aware that this account was ever in collections. I contacted XXXX XXXX XXXX and paid this. The insurance company was never billed for this service. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed wrong information on my experian credit report I keep getting emails the results are ready to view I put in the report number XXXX ( 1 ) I answered for my social security number dob and tried to view the results this is not the first time this has happened. I ca n't review the results from the investigation I keep getting a message that they ca n't allow me to view the results of the investigation and I need to call the XXXX number they provide. Like I mentioned earlier this is not the first time this has happened. How am I suppose to find out what the outcome is when they wo n't allow me to view I feel games are being played here because I have sought legal advise to this existing problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for XXXX to verify the accounts but I still found some inconsistencies with these accounts with XXXX XXXX  # XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX There is still inconsistencies even after they verified the account. 
According to the Fair Credit Reporting Act 15 U.S. Code 1681 Section 604 A Section 2 It states that a consumer reporting agency can not furnish an account without my permission.
Product: Debt collection

This is my second and last complaint regarding Hunter Warfield to Consumer Financial Protection Bureau. Hunter Warfield responded to my last complaint which is below advising that they have ceased communication and reflected this on my credit and that they are not re-aging this " debt '' but they are indeed doing just that. Hunter Warfield removed this debt from my credit in XX/XX/XXXX and placed it back on my credit report dropping my credit score 42 points as though this was a new delinquent account.Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and Hunter Warfield. My first debt validation letter was sent to Hunter Warfield on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
Product: Checking or savings account

On XX/XX/XXXX, I noticed that my two Citibank checking accounts had a $ XXXX   monthly fee for the first time in years. Nothing changed with respect to my accounts meeting the criteria for monthly balance over $ 10K and monthly direct deposit, and I called Citibank who told me this was a system error. Citibank did correct the error, but I am raising this complaint since I had to notice and call in to get this issue remediated, and it's important to me that Citibank takes more proactive action to make sure its other customers are not harmed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update or delete these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> NONE OF THESE WERE AUTHORIZED BY ME
Product: Credit reporting or other personal consumer reports

The address on this account is incorrect and I have been unable to get it removed due to it being reported from this account. I have never lived at this address.
Product: Vehicle loan or lease

Well, this all started back in XXXX when i paid my XXXX XXXX XXXX off. I called National Auto Finance Company to send me my title and XXXX XXXX of National Auto Finance said he would be mailing it out. I never received my title. I called back numerous times in XXXX, XXXX and they told me they would get a duplicate title and resend it. I never received anything from them. My car sat in a garage as i did not know what to do as i had no title for the car and my car i could n't get registered after i moved. I went to the DMV in XXXX and they told me I had a lien on the car from a tax debt from XXXX. I called the State of Indiana and satisfied the over {$300.00} tax lien. I have submitted the paperwork to get my title through the BMV of Indiana and now they tell me that National Auto Finance has a lien on the car. I have been calling National Auto Finance back all week and they said there is no lien on the car, but they have to verify that the State of Indiana tax lien has been paid. I have been calling them and all i get is " We will call you back. '' THEY NEVER CALL ME BACK. I want my title to my car as it 's been two years that I have been dealing with this. This is riduculous! Can someone please help me?? I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I hired " XXXX XXXX '' to dispute collection charges from XXXX XXXX XXXX collection companies who both alledged that I owed " XXXX '' {$750.00} for a device. After paying XXXX XXXX several hundred dollars all three major bureaus reported " no open collections '' that same year. Then XX/XX/XXXX the same XXXX accountant was in collections again with XXXX, XXXX XXXX XXXX  FOR THE SAME AMOUNT OF MONEY! 
I HAVE A DOCUMENT FROM XXXX VERIFYING A " XXXX '' ( XXXX ) BALANCE!!! 
THIS FRAUD HAS DAMAGED MY CREDIT SCORE WHICH IS OURRAGEOUS!!! Two bureaus ; Equifax and XXXX removed the derogatory and fraudulant report in XXXX but XXXX  who XXXX XXXX supposedly works with the easiest, according to the paralegal I spoke with, JUST FINALLY REMOVED IT TAKING LONGER THAN 60 DAYS!!! I was in the process of procuring a loan and this fraudulent reporting damaged me financially!!! It is not enough to finally remove the collection report which was fraudulent because I WANT MY CREDIT SCORE BACK THAT I HAD LAST YEAR BEFORE THIS DAMAGED MY REPORT! Also, I believe XXXX XXXX dragged their feet with XXXX who the repeatedly told me they work closely with just to keep charging me a monthly fee. Please investigate them as I want my money back as well as my credit score from before all this damaging and fraudulent reporting!
Product: Checking or savings account

( 1 ) I have been a long time customer of Chase and have both a checking and savings account. 
( 2 ) In XXXX I received an email from Chase offering me a {$2000.00} bonus if I opened a brokerage account and deposited {$250000.00}. 
( 3 ) I moved funds from my XXXX account in order to receive the bonus. 
( 4 ) I went into my Chase branch in order to sign up for the bonus and the representative insisted that I open a second checking account in addition to opening the brokerage account. I did not want to open the second checking account since my original checking account is not only linked to one of my employers for direct deposit, but also tied to several external investment accounts so it is not something I can readily change. 
( 5 ) The representative assured me the opening of the second checking account was just a formality.

( 6 ) I was eligible to receive the bonus after 40 days and on XX/XX/2023, I received an email from Chase stating me that I had satisfied the requirements for the bonus and that the money would be deposited into my checking account. 
( 7 ) The {$2000.00} bonus never showed up in my account. 
( 8 ) Chase claims that they deposited the {$2000.00} into the second checking account, however, Chase had closed the second checking account on XX/XX/2023, without any notice to me. 
( 9 ) Chases position is that it deposited the bonus into a closed account.

( 10 ) Chase can not provide any explanation as to why it did not simply deposit the bonus into my long standing active checking account.

( 11 ) It has now been over 2 weeks and still no resolution from Chase.

( 12 ) This appears to be a classic bait & switch scheme.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax pay out it is the consumers that were affected, I chose XXXX pay out now we are being told there won't be a pay out. Because they were not fined enough. I have credit montering why should I not be paid the XXXX it was their fault. Why should they profit when they handle my personal info
Product: Debt collection

Credit collection services has been texting me regarding medical debt. They were informed verbally I had an insurance claim on the debt already. At XXXX on XX/XX/2023 I received a collection attempt text and it woke me up outside of normal waking hours.
Product: Credit reporting or other personal consumer reports

I looked up the Fair Credit Reporting Act and In accordance with the Fair Credit Reporting Act, The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section 602 A XXXX XXXX XXXX XX/XX/2023 & XXXX XX/XX/2023. These Companies Violated my rights because I didn't give written access for them to obtain my credit report.

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: Credit reporting or other personal consumer reports

Regarding my XXXX credit card account - XXXX, on XX/XX/year>, I spoke with XXXX at XXXX XXXX customer service department. I explained my account was never late and it had been paid in full and closed. I informed XXXX the account was showing as unpaid due to the continuing accrual of unpaid interest every month, but the account had been closed/paid and this was in error. XXXX reviewed the account and agreed that the monthly interest accrual was indeed in error. She corrected everything regarding the account, as far as the late fees and interest accrual along with updating the " Late '' status of the account in XXXX 's account computer system. XXXX said she would send an " Adverse Action Letter '' explaining the incorrect reporting status of this account to all XXXX credit reporting bureaus. However, after XXXX days following this corrective action by XXXX XXXX and submitting the account status update letter to the 3 reporting bureaus, all 3 of my credit reports are still showing as being either 120 days/150 days late for this account. Would you please contact the 3 reporting bureaus and have this late status corrected/deleted and then have the account status updated to paid-never late for all 3 reporting bureaus. Thank you or your help in this matter.
Product: Debt collection

We have a disputed account that is being claimed as owed by a collection agency that is not correct. We have no idea what the demand is for other than the Business name. 
We think it is about an XXXX XXXX XXXX equipment return that we did at a local XXXX XXXX XXXX office where we returned equipment but their system was down. We were told everything would be okay and to just leave the equipment. The equipment was returned to an XXXX XXXX XXXX store on XXXX by the XXXX here in XXXX XXXX, Texas. Diversified is the collection agency assigned to collect but they have not provided me an account number nor have I received any collection letters. I have no clue what to do other than ask for help!