23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX, I was trying to get a mortgage on behalf of my son, and found out that my credit score was very low. I investigated, and discovered I had been a victim of identity theft. Three credit cards had been opened up in my name and without my consent and had accumulated over {$26000.00} in fraudulent charges. I immediatley called the three banks, and two of them, XXXX XXXX XXXX and XXXX XXXX  conducted a brief investigation with me on the phone and concluded the charges were in fact fraud, dropped the claim and removed the charges from my credit report. 

The third bank, XXXX XXXX, has refused to listed to my explanation that the charges were fraud and has assigned the claim to a collection agency. I have explained to them numerous times that the charges were fraudulent. I spent countless hours on the phone with them, sent them numerous letters and various pieces of evidence the charges weren't mine. I also filed an FTC report and filed a police report and sent them to XXXX. Additionally, I tried to explain that the credit card couldn't have been mine as it was linked to an address I vacated in XXXX and all the charges were linked to various stores in the XXXX XXXX area, where I haven't been since XXXX. XXXX XXXX  has consistenly refused to listen to my appeals and has been quite vicious and vindicative and refused to believe this was fraud. 

Enclosed are copies of a police report, an Identity Theft Report from the FTC, a copy of my ID, and our previous letters we sent to XXXX XXXX  outlining our position. 

We look forward to hearing from you shortly, and expect you to arrive at the same conclusion that these charges were fraudulent and this entire case be dropped. 

Thank you, XXXX XXXX
Product: Student loan

Navient is not helpful in offering a temporary stop of payments due to financial hardship. They state I have no more time to delay payments. Their customer service is horrible and based overseas. This company is the worst to deal with and send harassing letters to my co-signer a day after if my payment is one day late.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I Recently my credit report and found inquiries that i did not initiate along with an account from XXXX XXXX. I Submitted an FTC report and am now demanding deletion of these fraudulent accounts, as they have damaged my creditworthiness caused me anxiety and mental stress, impacting me from utilizing my credit. IN PURSUANT TO 15 USC 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 by such agency of ( 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. I Will also be seeking compensation for the damages caused to me. Defamation of Character : {$1000.00} XXXX XXXX : {$1000.00} Impending Usage of Credit ( Creditworthiness ) : {$1000.00} for a total of {$3000.00} IN PURSUANT TO 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; *This is a Correction to the previous Dispute.
Product: Credit reporting or other personal consumer reports

I have had a number of recent unauthorized credit inquiries added to my credit report and needed a correction or removal of all inquiries from XX/XX/XXXX  to recent to be deleted from my credit reports immediately due to unauthorized hard credit inquiries. Companies told me that this would be a, " soft credit check. '' I did not authorize any hard credit checks and ask for their immediate and permanent removal from my credit reports.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account. 

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX
Product: Mortgage

Was below 78 % of the original loan valuation. Contacted NewRez on XX/XX/2022. Was advised by the gentleman that he showed I was well under the 78 % and that the PMI should be removed in 2-3 days and my account online would reflect this. This did not occur so called back on XX/XX/2022. The lady stated that she did see that the request was put in, but had not been completed yet, allow some more time and any additional payments would be backdated for me. Made my payment with the PMI that was due on XX/XX/2022. Waited a few more weeks and called on XX/XX/2022. Spoke to the representative who stated she was not able to see any requests and that my PMI was not paid monthly anyways. After questioning her about this inaccuracy, she spoke to a supervisor and returned stating that there was no rule that they had to remove the PMI, but she was instructed to put in a request. I will now make my 2nd unnecessary PMI payment on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> from my churchs online XXXX account I purchased an XXXX through a finance company called Sezzle which I found out a few minutes ago is a struggling company When I realized I ordered the wrong one I canceled the order the same day. XXXX cancelled and never took funds from the Sezzle credit card. However Ive called and they only have recordings that told me to go online. Ive sent the screenshots where I finished paid for the product even though I didnt receive it because thats their policy. Ive sent documents from XXXX where they dont hold funds past 10 days. Ive sent screenshots of where I completed the payment process. I filed several disputes showing the XXXX receipt showing the Sezzle payments and showing the amounts but the only response I get by way of email Is I have to follow what Ive already been doing. The total amount of the hold was {$180.00} XXXX. I contacted XXXX and they assured that they cant hold funds that is my credit card company Sezzle. I contacted Sezzle. They told me they would investigate. I still havent heard anything back, but they have closed out my disputes. I disputed that the first day when it was canceled and they still have not given me my money I have documents to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inaccurate and unverified inquiries from multiple sources. I have reported the issue to Equifax on XX/XX/2021 via phone and XX/XX/2021 via certified mail. Equifax has not validated the inquiries and/or removed them. Equifax is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Product: Debt collection

To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. 
Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. 
I demand the following account to be verified or removed immediately. 

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. 

Best regards, XXXX XXXX, XXXX
Product: Checking or savings account

On or about XX/XX/year> I initiated a electronic funds transfer through the Chime app for the amount of {$700.00}. These funds were to be transfered from my XXXX checking account to my Chime account. The reason for this transfer was due to my XXXXXXXX XXXX account and debit card information being compromised and bad actors had used my account information to fraudulently purchase various items. I frankly needed to get my money out of my XXXX account. On XX/XX/year> I had my VA XXXX compensation direct deposit post to my XXXX account. I called XXXX that morning and at the recommendation of Ally I decided to initiate a EFT from XXXX XXXX to Chime in the amount of {$3500.00} and to close my XXXX XXXX account. By doing the XXXX at that moment it would immediately pull the money from my account so no bad actors could access it. On XX/XX/year> I received notification from XXXX that the transfer was complete and my XXXXXXXX XXXX acouunts were closed. Once the {$3500.00} appeared in my Chime account there was a hold placed on my funds. I immediately called Chime to find out what was going on and to explain what was going on. I was told to submit a photo ID and a most recent bank statement. I submitted that twice. Then, I was told to submit a copy of front and back of ID, provide a most recent bank statement that included the {$700.00} rejected transaction. 

I spoke to XXXX XXXX  and was told that the account was closed and there is no {$700.00} transaction. I explained that to Chime and then Chime changed for a third time the documents they required. Now it was the ID, a most recent bank statement and " if available '' a letter from XXXXXXXX XXXX explaining why the {$700.00} transfer was rejected. XXXX told me and I explained to Chime that there is no such letter that Chime is able to provide. Again, Chime changed what documents they required and requested a ID, most recent bank statement, and a letter from XXXX stating the account ending in XXXX was closed. I provided all that to Chime but Chime again emails me new required documents and it includes : " 1. New photos of the front and back of an unexpired government 2. New statement for your XXXX Bank account ending in [ XXXX ] and, if available, a letter from the bank explaining why the recent transfer was returned unpaid. '' I have provided the photo ID and the newest bank statement for account XXXX a total of 7 times. The letter from the bank is " if available '' and it is not because XXXX doesn't provide that type of correspondence. When talking to a Chime supervisor I attempted to merge a call with XXXX XXXX so we can get a resolution and Chime abruptly hung up the phone. I need my money to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, 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. 

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

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some account that is not mine. This account has never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureau must block any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some documents. XXXX XXXX XXXX Balance Owed : {$850.00}
Product: Debt collection

I received no notification regarding a collection account now appearing on my credit report. The company never contacted me regarding the account therefore I was never able to dispute the validation of the debt. 

Reporting XX/XX/2020 with remarks affected by natural disaster.
Product: Debt collection

I have written to this company SEVERAL times and have asked for VALIDATION on this account. The company keeps sending me a BILL from XXXX, but they will NOT acknowledge that I am asking for original contract paperwork to ensure this is truly my debt. I want this account REMOVED from my credit file. They keep updating as the dispute is resolved and consumer isn't in agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I signed up for FREE services from XXXX XXXX. I was sent an email from XXXX XXXX saying that my credit score went down. So I logged into XXXX XXXX. I looked at what they said caused my score to go down and I logged off. I was charged {$2.00} to do that apparently. Where is the Free Services? 
Then 8 days later I get charged {$22.00} by TransUnion. I called them and they said by checking my credit report that day on XXXX XXXX that signed me up for credit monitoring for {$22.00} a month. 
This is ridiculous! They are taking advantage of EVERYONE. XXXX XXXX says they are free but they charged me {$2.00}. Then Transunion signs me up without my consent. I never inputted any credit card or account information with them. How did they get my account information to even charge my credit card??? They charged my account for {$22.00} without my consent. That is illegal! 
Not only can you not trust computers and identity thieves, now you can not trust the people that are your only hope of protecting yourself from identity thieves!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I don't recall authorizing. With the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge this questionable information. I understand thatyou shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someone's credit is for : Firm Offer of Credit Insurance Employment Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX CAPITAL ONE AUTO FINANCE ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT ONE BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these inquiries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. They are hurting my ability to obtain credit. These accounts I don't recognize nor authorized, and they are being reported by a third-party company.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : XXXX
Product: Vehicle loan or lease

Toyota Motor Corp has responded stating that they are reporting accurately I have stated several laws that they have violated they have stated that I signed paperwork please provide me with the original paperwork that I signed giving the authorization to report to the bureaus also GLBA stated that I am supposed to be notified of options to withdraw from reporting y personal information please provide paperwork where you have given me the options to withdraw from reporting my info if not provided in 10 calendar days remove late payment and change to current status immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX [ Equifax Information Services, XXXX XXXX XXXX XXXX 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 XXXXXXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX XXXXXXXX  sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX XXXX  right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Auto Loan Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a XXXX party and delete if anything is incorrect. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX XXXX accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

lender sending my contact info to warranty companies and these companies are trying to swindle me out of money for extended warranties, contacted the local company yesterday and person i spoke with was veryrude and said they would never force me to get a extended warranty but XXXX companies called and i was told by both that i had to have this true auto XXXX and national vehicle head quarters XXXX, now this company said i was refinancing a new vehicle false still have same truck 2009.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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