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

Urgent Dispute Removal of XXXX XXXX Balance and Rent-to-Income Inaccuracies To Whom It May Concern, This letter serves as an immediate dispute regarding inaccurate information currently being reported by XXXX XXXX XXXX on my consumer file. I am requesting that you correct and remove the following errors within 48 hours of receipt of this letter : XXXX. XXXX XXXX Balance : Your records inaccurately list a balance from XXXX XXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX. I do not owe any balance to XXXX XXXX, and this incorrect information is negatively impacting my ability to secure housing. I demand the immediate removal of this erroneous balance. 
2. Rent-to-Income Data : Your report contains an inaccurate rent-to-income ratio. This data is not a true reflection of my income, and it is absolutely unacceptable that you are misrepresenting my financial situation. How can you determine my income better than I can? This false information is preventing me from getting approved for housing, and I demand it be removed or corrected immediately. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are legally required to report accurate and fair information. Specifically, Section 611 of the FCRA mandates that consumers have the right to dispute any inaccurate information, and your organization must investigate and resolve such disputes within 30 days. However, due to the serious nature of these errors and their impact on my housing applications, I am demanding these inaccuracies be corrected within 48 hours. 

Additionally, Section 605 of the FCRA ( 15 U.S.C. 1681c ) prohibits the continued reporting of incomplete or inaccurate information, especially when it affects a consumers ability to obtain housing or credit. 

Immediate Action Requested : Remove the inaccurate XXXX XXXX balance from my records. 
Remove or correct the false rent-to-income ratio from my file. 
Provide written confirmation that these corrections have been made and supply me with an updated copy of my report once the errors are removed. 

If this issue is not resolved within 48 hours, I will have no choice but to pursue further legal action to enforce my rights under federal law, including seeking damages for the financial and emotional harm caused by these inaccuracies. 

Please confirm receipt of this dispute and update me on the status of the resolution as soon as possible. I expect to receive an updated and corrected report promptly once these issues are addressed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Ive contacted XXXX  XXXX XXXX department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from XXXX
Product: Debt collection

I started a business and opened a checking account with XXXX XXXX  in XXXX. As condition with my Board, I opened also a gym membership early in XXXX to mitigate a XXXX process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. 
The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XX/XX/XXXX/XX/XX/XXXXfor an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to MER-Merchants & Medical Collection XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. 
Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my business has been severely damaged. A {$6.00} XXXX dollar investment into my business has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this XXXX XXXX event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. 

The address for the above account at XXXX is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address for the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquiries on my account that were not authorized nor did the reporting companies have my consent to run my credit. I even have a few companies that reportedly pulled my credit report multiple times within a time span of 3-7 days. In XX/XX/XXXX I was searching for a new vehicle and I because I knew how dealerships worked, I specifically told the salesman at XXXX XXXX to only run my credit ONCE with the one lender that would give me the best rate based off my income and the range of the credit score I provided. My car is financed through XXXX XXXXXXXX XXXX. Once I was able to receive a copy of my report I immediately saw they did exactly the opposite and ran my credit report through multiple companies, WITHOUT MY CONSENT. Around that same time I did also call XXXX to inquire about vehicles and the process and that company also ran my credit, reporting in multiple inquiries, without my consent. I contacted the credit bureaus to have them delete the inaccurate information and they told me to contact the companies that reported the inquiry. When I contacted the different companies they told to contact the credit bureaus to have the information removed. I once again called all three credit reporting bureaus but this time was told that inquiry are a " factual request of my credit information '' and therefore could not be deleted, whether I gave my consent or not. I also told them that in between the years of XXXXXX/XX/XXXXmajority of my inquires had indeed fell off due to a system error and breech but were illegally placed back on my report. I told the companies that by law they had 5 business days to notify me of such activity and they apologized for the system error but still refused to delete the inaccurate information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several item there to be inaccurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The items below should all be removed from my consumer report under 15 USC Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) I demand the following accounts be verified or removed immediately : XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over XXXX days old. 
Please add a Promotional Suppression to my credit file. 



Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The address of XXXX XXXX XXXX, maiden name XXXX was listed on my credit report. The property was owned by XXXX and XXXX XXXX, her parents. I reported the fraudulent address to Experian and was directed to file a complaint with the FTC and was directed here. I do not know what date this address was added to my credit report but I am concerned that she has already tried to steal my identity and she is being XXXX XXXX XXXX this month to serve a long probation sentence. XXXX has children with my brother XXXX XXXX XXXX and has stolen both money and items of about XXXX dollars at least in the past.
Product: Debt collection

This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency.
Product: Debt collection

Discussed in XX/XX/XXXX : Earned income was not paid to me, with only receiving SSI, and I fell behind on truck payment. 
I tried to refinance or lower monthly payment, and lender refused.

After offering a voluntary repossession, Well Fargo Dealer Services agreed to let me try to sell vehicle in order to cover or reduce the total debt I would be left with. 

Discussed in XX/XX/XXXX : I had tried to sell truck with signs, car lots, friends and posting on XXXX. Any offers were lower than offered price, and I reduced listed price on XXXX to amount I could cover and still pay off at dealer. 
I called WFDS to come get the vehicle, as I could not sell it, and still was not able to pay for it. 
After still no contact for truck pick-up, I called in and was told again that they were coming to get it. 
My registration tags were due XX/XX/XXXX, and they were informed I was not driving and that the vehicle was still not picked up. 

Escalated communications and failed pick-ups to Office of the Presidents XX/XX/XXXX After several discussions, I learned that they charged off Full Debt against my credit file, with no credit for truck value since they continually failed to pick up my voluntary surrender. 
The " Office of the Presidents '' ( very unprofessional and clueless ) continued to delay and say they were researching, yet after further escalations to manager and senior managers they insisted I owed the full amount due even when I had received no paperwork confirming truck pick up, warning of total debt write off and credit reporting, final demand letter, and nothing else for almost six months. 

During the first week of XX/XX/XXXX, the team leader XXXX XXXX stated nothing further was being resolved, and that I would receive paperwork and the truck would be picked up. 
I still have received nothing in the mail, and no contact for voluntary pick-up. 

XX/XX/XXXX XXXX, Senior team leader to Office of the Presidents,  still never found my certified/signed receipt letter that shows received at her offices XX/XX/XXXX, which I e-mailed to her. 

They have been aware of my dire financial situation, and that the truck payment and insurance was almost half of my SSI. They also knew I was trying to get another vehicle, and wanted a smooth transition so my credit would not be impacted. 
They have deliberately delayed/ misled me, ruined my credit report until I will be XXXX years old, and removed my ability to find new employment which requires a truck. 

I am still paying insurance, and then find out I owe the whole cost, as if it were destroyed anyhow!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error on my credit report. An account titled " XXXX XXXX XXXX was added to my report as an opened account on XXXX XXXX. However, I do not have an active account with XXXX XXXX, and this information is entirely inaccurate. 

I request that you take immediate action to remove the XXXX XXXX account from my credit report & confirm that I do not have an open account with XXXXXXXX XXXX XXXX 

Please investigate this matter and correct my credit report accordingly. 

Or provide proof that I myself initiated or authorized this account.
Product: Mortgage

We have ( had ) our mortgage with LoanCare LLC aka XXXX XXXX XXXX. We paid off our mortgage on XX/XX/2021. I have been trying to contact someone at LoanCare for several months, first to find out about refinancing, then to get our payoff amount, and finally to find out about when we will receive our escrow refund. 

I have called the customer service numbers but all of them send you to an automated system that does not let you talk to a person. I tried contacting them through their website but no one ever responds. 

I believe they are a fraudulent company at this point and there are numerous complaints about them throughout the internet. They owe me money and I want it now.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked these credit agencies to stop reporting these accounts due to identity theft. Experian, XXXX, and XXXX. They refuse to do so even after providing my FTC identity theft report.
Product: Checking or savings account

XXXX XX/XX/XXXX I would like to file official fraud and discrimination charges against JPMorgan Chase Bank. A six figure sum of money was wire transferred from my account to a location not disclosed to me. This was done at a time when my access to my account was denied. The branch manager or someone at the bank moved this money without my authorization or consent. The transaction was done by fraudulently using my personal identification information. My requests for written, retrievable documentation, regarding this wire transfer, and identification of the authority by which it was done, has been denied me. What the bank put me through was a direct violation of THE CODE OF FEDERAL REGULATIONS ( CFR ) TITLE 31 : Money and finance, Part 1020-Rules for banks. 1020.410 a ( 4-5 ) ( 4 ) Retrievability, and ( 5 ) Verification.The bank, also, violated its own deposit agreement. The branch manager knowingly and willingly made false statements to me about the only means that could be used to allow withdrawal from my account. The banks denial of access to my account was blatant abuse of the federal fiduciary powers granted to the bank. The Bank manager told me this could not be my account. He also told me the drivers license and credit card I provided was false. He could not allow me access to an account that was not mine ; unless he was provided a debit card. This older account has never had an activated debit card. I did not use the ATM network. In answer to my complaint against the branch manager, his story changed. The branch manager, then, stated he had my protection in mind and wanted to ensure that I was not being coerced to make a withdrawal by a third party. Extraordinary means were used to prevent me from accessing this money in my account. I was denied access to these funds in an attempt to divert the funds to a different location. By the time the several days required to mail me a debit card had passed and I returned to retrieve the money, it would have permanently disappeared. This was my life savings. I am still suffering negative financial and emotional repercussions because of that XXXX XX/XX/XXXX, denial to my account. Please reference the article on page iii of the attachments to this charge. The article was dated XXXX XX/XX/XXXX and was from XXXX XXXX XXXX. Former bank teller accused of stealing {$27000.00} from customer accounts. It was admitted that dozens of withdrawals were made, over a period of six months, by creating debit cards and forging checks. This is almost identical to the situation in which I found myself. What happened to me was so much more than negative customer service. What happened to me was fraud and discrimination at the highest level. I am requesting that this action by the bank be thoroughly investigated and JPMORGAN Chase penalized to the maximum extent of the law.
Product: Checking or savings account

On XX/XX/2020 our debit card was used at XXXX XXXX   XXXX in XXXX ohio. Within a 15 minute time period our card was used without our authorization for a transaction of {$470.00}. We disputed this to our bank chase bank who gave us back the {$470.00} and then investigated it for us but found no fraud and took the {$470.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I was contacted by XXXX XXXX XXXXXXXX XXXXs in XXXX after I inquired about car financing on their website. They offered {$0.00} XXXX down on a XXXX XXXX XXXX. The representative that sold me the car was not a licensed automotive salesperson, but a " Customer Experience Guide ''. The car did not have an affixed Buyer 's XXXX nor was I provided one. The car did not have a label of Reasonable Market Value of Vehicle, nor was I provided one. I was told that the car price was sold at cost. I was not provided any credit score disclosure. The financing details were not disclosed or explained, including the finance charge of {$23000.00} in addition to the 27.9 % APR which put a total sale price of {$46000.00} on a {$16000.00} car. The monthly double payment totaling {$670.00} was not disclosed until after the contract was signed. The dealer provided an XXXX XXXX Report that was false. The number of owners was incorrect, it stated no recalls when in fact it was subject to two recalls. I was not provided with an inspection report and the vehicle was sold with blown shocks, failed control arms, cv bushings, uneven tire wear and a plugged tire as well as existing faulty emissions components. I have every confidence that I am a scam victim by a predatory dealer / lender and targeted because of my age and credit score. This organization takes advantage of consumers who have limited financing options and uses deceptive practices to sell cars under terms they know are unacceptable. I overheard to representatives making wagers on time limits before they will repossess and resell vehicles they recently financed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be a duplicate account on my credit report from Comenity Bank/Victoria Secret. I have one account with Victoria 's Secret and I am trying to understand why my credit report shows two accounts with Comenity Bank instead of one.
Product: Credit card

Racial Discrimination & Bias in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. 
This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
Product: Credit reporting or other personal consumer reports

Ive sent in over 20 letters to get these false items removed from my credit report. They have failed to answer me after multiple attempts. Ive also called and was treated disrespectful. Ive requested the following accounts be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX Closed Account XXXX isn't provided Address : XXXX XXXX XXXX XXXX XXXX, Ive never lived here Ive sent in proof with each letter, asking you please remove this info.
Product: Checking or savings account

I need to be able to link my PNC Bank account with XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance Owed : {$540.00}