23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date of Closure : XX/XX/XXXX Original Charge Off Amount : {$220.00} Closure Status : UNPAID Closure Status Date XX/XX/XXXX Dear XXXX, I went to open a new bank account XX/XX/XXXX, and was informed of this error regarding Suntrust Bank and XXXX I noticed fraudulent and unauthorized activity.showing for a closed/charged off account for : Suntrust Bank Date Charged Off : XX/XX/XXXX I did not authorize anyone employed by these companies to view my consumer report or give any of my personal information to any third party. I am revoking your right to report this inaccurate and false information. Under 12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
In addition, I did not give you, XXXX, permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights. 
Under 15 USC 1692e- this alleged debt is now in dispute Under 15 USC 6802 ( c ) ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I am aware that XXXX is a consumer reporting agency and is required to operate under 15 USC 1681 ( a ) ( b ). This is the ONLY consumer reporting agency that I have heard of having this account, which is PROOF that you are reporting INACCURATE information. Failing to remove this error will be in violation of 15 USC 1681s-2. 
I demand that you, XXXX, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my I received no goods or services for {$220.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted SUNTRUST demanding removal as well. In which, they told me on the phone for an hour they can not access my account because it is closed and they have no record as to how I would be able to settle this dispute. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. I am also suffering emotional distress and financial hardship from not being able to open a new bank account from this FALSE and INACCURATE INFORMATION. 
Failure to remedy this situation will result in an invoice for {$1000.00} per violation and XXXX and SUNTRUST/TRUIST may be held civilly liable under 15 USC 1681n and 15 USC 1681o . 
Thank you, ( Agent/Beneficiary ) Without prejudice All natural inalienable rights reserved
Product: Credit card or prepaid card

I am trying to use my American Express card with my budgeting apps. American Express does not allow me to connect my account to my budgeting app. I have spoke with American Express and both of my budgeting apps and have been told that American Express does not support linked accounts.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite several attempts, the unverified items listed below still remain on my credit report in violation of federal law. Under the FCRA a copy of the original creditors documentation on file must be provided to me, the consumer, to verify that this information is mine and is correct. I have not been provided any original documentation, consumer contract with my signature on it. This is required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Also, I have not been provided the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, under the FCRA, Section 611 ( 5 ) ( A ), the account must promptly be DELETED. 

If you fail to comply with federal law, I fully intent on pursuing litigation in this matter to enforce my rights under the FCRA Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I use the Chime credit card to receive my direct deposit paycheck every week. On XX/XX/XXXX while at work i got several chime notifications that my chime card was being used in Tennessee for {$75.00}, then {$170.00}, and another {$170.00} at XXXX. I immediately got on the chime app and locked my card, but they still let another {$75.00} charge come through. My fraudulent charges were totaling over {$400.00} at this point. I called chime and they said they could only refund the {$75.00} charge that was allowed through while my card was locked. They said for the other {$350.00} I have to wait until it is out of pending to dispute. On XX/XX/XXXX when charges were fully posted I contacted chime again, told them I had opened the dispute already for the charges, to which they said my case will be closed on XX/XX/XXXX, several months from now. I said that is a ridiculous amount of time to wait for my stolen money to be refunded, to which they said they XXXX be able to issue me a temporary provisional credit to cover the charges on XX/XX/XXXX. The supervisor says that she can not personally issue the credit, no one can, that it is all done on an automated system. I asked if I could speak to the fraud department investigating the charges and each time I called the supervisor always says no they dont have contact with them at all, no email or phone number can be given. It is not right that my money was stolen from me in a different state and I can not even be issued a provisional credit. I am out {$350.00} still. They also would not send me an email transcription showing each time I call or any type of paper trail about my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 HAVE CONTACTED XXXX XXXX XXXX XXXXXXXX XXXX AND I REQUESTED Notice for Proof of Claim Accounts : XXXX XXXX, XXXX c/o XXXX XXXX BANK XXXX XXXX it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs.
Product: Student loan

XX/XX/XXXX an Income Driven Plan was discussed and filed. Payments were dropping from {$860.00} to {$520.00} approx. 

XX/XX/XXXX, Called XXXX the website said I would hear back by XX/XX/XXXX, next day it said I would hear back by XX/XX/XXXX, then it said I would hear back by XX/XX/XXXX. I had not heard a word since XXXX XXXX. Agent on the phone said nothing had been processed ; could not find my info. He said he would do a temporary deferment and charge me {$5.00} to process my IDR and I would not be billed for XX/XX/XXXX/XX/XX/XXXX and would get my new payment billed by XXXX due date. 

XX/XX/XXXX I made the {$5.00} payment agent had asked for. 
XX/XX/XXXX I received a separate bill and paid ANOTHER {$5.00} for processing. 

XX/XX/XXXX I get a bill for {$890.00}. NO IDR INFO ON MY ACCOUNT OTHER THAN A RECEIPT OF FORM ON XX/XX/XXXX. 

XX/XX/XXXX I called again and was told to disregard the bill for {$890.00} that the IDR was processing with a rush status and I would get new bill in 48 hours. I asked for an email or letter stating that I was told to disregard this bill. XXXX said she would send me an email that day so I could prove our conversation. 

XX/XX/XXXX No email or info received from XXXX. I called again and the agent verified a rush was put on my account. He told me to wait until Monday, XX/XX/XXXX, and I would have my new payment bill. He said this would replace the XXXX bill for {$890.00}. 

XX/XX/XXXX, a week + 1 day later. Still no info from FedLoan.org. Called and finally got to an " escalated loan manager '', because they refuse to let us speak to management. She says the same story as the lies I lived thru the last 3 months. Now I wait another 48 hours for her to put a " rush status '' on processing my IDR. HOWEVER, she is forcing me to pay {$890.00} for the month of XXXX because it takes 2 billing cycles to process. I told her this will be the 4th billing cycle and they still haven't done their job to process my IDR so this is not my fault. She does not care, holding me responsible to pay {$890.00} until they decide to finalize my IDR. 

Hoping they won't lose the form, or fail to process it again, I am filing a complaint. I did inform her that I am one of the few who are honestly trying to repay my student loan. I had it on deferment last year due to a XXXX and now have been trying to get my payments finalized since XXXX. They are such a stressful agency, failing to do their job, taking 4 to 6 months to process ONE FORM!!! It is unbelievable our government agency for student loans would do this to people, much less adding stress for XXXX survivors. I indeed tried to get this finalized in XXXX to avoid such stress induced situations from their office Please help. I'm XXXX, recovering from a XXXX last year and trying to work when I can as well as pay my account. And employee # XXXX has the nerve to insinuate if I'm working then just pay the {$890.00}!!!! I do believe the agents handling my account are breaking consumer protection laws by their comments and reluctance to do their jobs and process things ... blaming it on the consumer, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau incorrectly lists my name on my Experian credit report as : XXXX XXXX. I do not spell my name that way and have never legally gone by that name. They need to delete this name from my credit report. The last name is correct, but the first name is spelled incorrectly. It should only be listed as XXXX, not XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION NOT MINE
Product: Vehicle loan or lease

A couple months after leasing my XXXX XXXX which I still have I paid the lease off in full. In XX/XX/2018 I moved from XXXX area to XXXX XXXX, AL. Evidently the taxes on a lease change based on where you live. I pulled my credit and a 30 day notice in XX/XX/2018 showed up on my lease that is paid off. Evidently I pay {$17.00} more per month in taxes on a lease payment than I do in XXXX in XXXX XXXX. I was never notified. No mail, no call, no notice. No nothing. Just found a 30 day on my credit. I called Nissan and rep said no problem this makes sense. I will submit for you to be taken off. I paid the {$150.00} in taxes for the rest of the term and received a letter stating that the 30 day will not be taken off and that it is accurate.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you inves gate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Repor ng Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit repor ng agencies must conduct a reasonable inves ga on upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for inves ga ng my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough inves ga on into the unauthorized inquiries without requiring any addi onal reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as s pulated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that 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. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX AUTO ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

Company calls XXXX times a day. Either they dont leave a voicemail or when I answer, they hang up. When I try to call them at XXXX or at XXXX I get put on terminal hold by the auto attendant. The company in question is : Focus Receivables ManagementXXXX XXXX XXXX, XXXX GA XXXXI do not know of ANY account that I have with them and cant find out as they never leave a message or they hang up when I answer. This goes on all day and all evening XXXX times
Product: Credit reporting or other personal consumer reports

I am victim of identity theft in my identity was stolen and here are the accounts that are not mine and need to be removed from all three different credit agency immediately Equifax Remove Below close acct XXXX XXXX, XXXX charge off XXXX Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX  Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX