23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Im a victim of identity theft and my accounts cleaned out the person got arrested but Wells Fargo still havent given me my money back Im single parent of six and I work but I dont have money to just allow people to sell it from me. I have all of the documents to support my claim and they DONT CARE ABOUT THEIR CUSTOMERS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Debt collection

I am writing in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) to dispute an item of inaccurate information contained in my credit report, which your company has verified. The inaccurate data in question pertains to the open date associated with the account XXXX listed on my credit report. 
I have recently obtained a copy of my credit report from XXXX, and upon careful review, it has come to my attention that the open date for the aforementioned account is still inaccurate. I never opened an account with neither XXXX XXXX nor Helvey & Associates in XXXX XXXX XXXXhis discrepancy has a negative impact on my creditworthiness and financial reputation. I have been denied credit and housing due to this error. 
I believe this error can be traced back XXXX, not the original creditor or a previous debt collector who sold the credit file. However, as the current data verifier, your organization is responsible for ensuring the accuracy of information it furnishes to credit reporting agencies, as outlined in Section 607 ( b ) of the FCRA. 
Having identified this discrepancy, seeing as though Ive already kindly requested that you investigate and correct this information promptly, I now request this record be removed from my credit file as it is a violation of my rights and can be punishable with a {$1000.00} fine. The FCRA stipulates that consumer reporting agencies must conduct a reasonable investigation within 30 days of receiving a notice of dispute. I can no longer trust that you will undertake this investigation promptly, considering my rights as a consumer and your lawful obligations have already been violated. 
Please note that the inaccurate reporting of this account 's open date has a direct impact on my creditworthiness, financial standing, and overall consumer experience. Additionally, I request that you inform all credit reporting agencies to whom you have previously provided this erroneous information, as per Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I am sure that you understand the importance of maintaining accurate credit information, not only to protect my rights as a consumer but also to ensure the fair and efficient functioning of our credit reporting system. 
Thank you for your immediate attention to this matter. I hope that we can resolve this dispute amicably and ensure the accuracy of my credit report. Your cooperation and timely response are greatly appreciated.
Product: Credit card

XXXX XXXX XXXX and XXXX XXXX XXXX charged my card numerous times totaling {$8200.00} without my permission. After realizing it and this was fraudulent i contacted Chase bank who had me file a dispute, the dispute was denied because they said it was fraudulent, however i complained and they reopened the case under fraudulent charges. I have numerous emails from the company i thought the charges might be from but its a completely different business name and the company turns out to be a complete scam and not even in business and in multiple lawsuits. I have no idea who XXXX XXXX XXXX and XXXX XXXX XXXX is and why my card got charged so many times. Chase continued to side with them when i have all the proof that these charges are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans Report differently on all 3 bureaus Dept Ed/ Aidvantage. 

XXXX {$35000.00} XXXX {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Product: Credit reporting or other personal consumer reports

Hi Team, on XX/XX/XXXX i sold my lease XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX i informed XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX  XXXX XXXX XXXX the sale proceed so that they don't mark my account as past XXXX Day past XXXX Day Past Due. the representative of XXXX XXXX Acknowledged it over the call. but few days later XX/XX/XXXX ) i received a Credit Alert on my XXXX report for XXXX  days Late payment reported by XXXX ( XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. which is very irresponsible and brutal to customers who were loyal with them through out the lease contract and were never late. its showing they received the XXXX on XX/XX/XXXX from XXXX XXXX XXXX though in informed them of the Sale Proceed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX EQUIFAX XXXX CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX credit bureaus XXXX XXXX about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my XXXX XXXX. Additionally my XXXX charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are XXXX XXXX XXXX.
Product: Debt collection

Certified Mail Return Receipt required BY EMAIL Monarch Recovery Management ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Email : XXXX XXXX : XXXX XXXX Account Number XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with Account Number XXXX. I do not owe the amount alleged by you. 

Never received documentation to validate the debt, remove the item from the credit report all of them. 

Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. 
Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. 








XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. 


Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. 

If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. 

LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. 

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

I received a copy of my credit report and found an account that does not belong to me. I did not open this account. The account is with XXXX XXXX XXXXXXXX XXXX. I do not have any accounts with this company nor have I ever.
Product: Credit reporting or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX updated my credit file in XXXX of XXXX to reflect their reporting to show the account current with them until XX/XX/XXXX and then changed it to charged off status at that date. This is multiple violations ; re-aging, false reporting, and malicious injury. 

The actual date of closing is reported correctly to XXXX on XX/XX/XXXX, not XX/XX/XXXX as reported to Experian. All of Experians phone numbers do not go to a live person and through their online system they have refused to address my concerns. Including this debt being discharged through a XXXX which pursuant to IRS bulletin XXXX should have already showed a zero balance. Based on the fictitiously reported information, and inactivity of the CRA to address or correct this for months I demand immediate removal of this account from my Experian Credit Report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter concerning the inaccurate reporting of charge offs and the unauthorized furnishing of my personal information by XXXX, XXXX, and Experian on my credit reports. I believe that their actions are in violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681i ( 5 ), 15 USC 1681a ( 2 ) ( b ), and 15 USC 1666b. I would like to address the issue of inaccurate charge offs being reported by XXXX, XXXX, and Experian. Upon reviewing my credit reports, I have noticed discrepancies in the dates of opening and closing of these accounts. These inaccuracies not only misrepresent my credit history but also have a significant impact on my overall creditworthiness. I believe that this violates my rights under the FCRA, specifically under section 15 USC 1681i ( 5 ), which mandates that consumer reporting agencies must investigate and correct inaccurate information upon receiving a dispute which has not been done for years of disputes. I have reason to believe that XXXX, XXXX, and Experian have been reporting this information without my written consent, as required by section 15 USC 1681a ( 2 ) ( b ) of the FCRA. I have never provided explicit authorization for the furnishing of my personal information to these agencies and their actions are in direct violation of my rights. 

According to section 15 USC 1666b of the FCRA, any person who willfully fails to comply with any requirement imposed by the FCRA may be subject to civil liability, including actual damages, punitive damages, and attorney 's fees. I kindly request that you investigate this matter thoroughly and hold XXXX, XXXX, and Experian accountable for their actions. The violations mentioned above, I kindly request that you take the necessary steps to remove these inaccurate charge offs from my credit reports. I expect that appropriate fines and penalties be imposed upon XXXX, XXXX, and Experian for their non-compliance with the FCRA. I look forward to receiving a prompt response and resolution to this dispute. 

Accounts XXXX XXXX XXXX XXXX {$970.00} Reporting inaccurately- Please Delete XXXX XXXX- Reporting inaccurately no acknowledgment of this account- Please Delete XXXX XXXX- Reporting inaccurately- Please delete XXXX XXXXXXXX XXXX XXXXXXXX Reporting inaccurately {$0.00} ( Sold ) still reporting with inaccurate reporting dates and closing date. Please delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reporting inaccurately XXXX XXXX Reporting inaccurately Self/ lender bank {$200.00} Reporting inaccurately
Product: Credit card or prepaid card

Dear CFPB, An account was opened on XX/XX/2022, using XXXX XXXX XXXX 's address, Social Security number, and possibly his birth date. The account Order reference number : is XXXX. A lack of payment is probably affecting XXXX XXXX XXXX 's credit score, causing harm to his credit score. The business address is Klarna, XXXX XXXX XXXX XXXX Ohio XXXX, XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, experian and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXX and XXXX on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies XXXX XXXX, XXXX, Transunion ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXXXXXX has violated my rights. 

*15 U.S.C 1681 Section 602A states : I have the right to privacy.

*15 U.S.C 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions/consent.

*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 ) states : 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent in 3 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called several times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX  and Equifax that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 almost months now.
Product: Checking or savings account

Starting in XX/XX/2024, I started receiving emails about a Chime debit card being sent to my house, then another one saying I had not activated the debit card. I ignored these emails, and yesterday, XX/XX/XXXX, I received an email about 'unusal activity on my account ' ( which I had not opened ). I looked up the Customer Service number on the internet for Chime Bank and called. An unprofessional sounding person asnswered the phone and asked for my email address, which I did give him, along with the last 4 of my Social Security Number. I also gave him this. He then said he would close the account. But, I'm not comfortable with how this was even opened in the first place? And im not sure if this isn't some phsihing scheme to get my information, although I called their number that I found via XXXX. It doesn't feel right with me.
Product: Mortgage

On XX/XX/XXXX, Bayview Loan Servicing bought my mortgage loan from XXXX XXXX and within the first week I started receiving Default notices. Bayview claimed I was behind on the loan when XXXX XXXX sold the loan to them. I spent hours on the phone with Customer Service, went back to XXXX XXXX to be told I was whole with XXXX XXXX, and I spoke to Bayview Customer Service and they still insisted I owed money to XXXX XXXX. 
I finally consulted an attorney and under the threat of legal action, I received a letter from Bayview that I did not owe any payments or any fees. They also stated my credit report was not affected. I believe this was in XXXX or XX/XX/XXXX. 

Then in XXXX it started again. I continuously paid my exact payment and did not pay any fees they were charging me. When I called they insisted I owed money and held payments I made in suspense, during this process. Now they are processing my payments but are still charging me fees, and fees on the fees. Enough is enough. I sent them a letter this week and I want to make an official complaint. Hopefully you can help us and clear up my credit report.