23daVinci/CFPB_Complaints huggingface dataset:
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 {$0.00}, {$520000.00}, {$3900.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Product: Debt collection

Hello, I have been made aware of a debt that a collections company alleges I owe for an account that I did not authorize. I dispute the validity of this debt and have tried to resolve the issue with the collections company that bought the debt.
Product: Debt collection

Hello, I am writing this because of an unethical collection agency, Diversified Consultants. XXXX imputed a collection account on my report due to a stolen cellular phone. I filed a claim directly with the insurance company, XXXX, for replacement of the phone ; but the claim was denied, ( However, we agreed to a payment plan until the account was settled ). Unbeknownst to me, XXXX closed the account and demanded full payment. While reviewing my credit report with XXXX XXXX, I found out XXXX had referred my account to a collection agency, XXXX  XXXX XXXX XXXX for a debt of {$1300.00}, reporting date of XX/XX/XXXX. I immediately launched a dispute, with the agency and it was taken off my credit report. 

On XX/XX/XXXX, while checking my annual credit report with XXXX, XXXX, and XXXX, I saw that a different collection agency, Diversified Consultants XXXX  took over this account, but with a different reporting date. This is false reporting by this collection agency. They re-aged this account, after acquiring it from another collection agency, ( in an attempt to hold on to the account longer ; than the statute of limitations for the state of Florida allows, my legal residence ). This is an illegal activity, which has caused my credit score to decrease and my rights violated! This collection agency has not contacted me or attempted to contact me. This negative posting on my credit report has caused financial hardship on me. I want this debt taken off my credit immediately, or I will seek legal action. This action has denied me from obtaining credit, purchasing a house, and denied jobs due to this illegal credit reporting. 

I have attached documentation to prove my claim.
Product: Debt collection

on XXXX/XXXX/2015, I filed an dispute with Helm Associates. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Helm Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Helm Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Helm Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Helm Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Product: Debt collection

Universal RE is in violation of my federally protected rights they using unfair and deceptive debt collection practices and invading my individual privacy which is a violation of 15 usc 1692a. Never had I did or give them consent to have my personally information which is identity theft which make them civilly liable and criminal liable.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and on this date XXXX, I have become a victim of identity theft. The following information I have listed Is not in accordance to my credit report. I ask that the following information below get DELETED off of my report rapidly since it is not mine. I have also listed a copy of my Federal Trade Commision Report, CFPB, and XXXX XXXX XXXX regarding the theft of my identity for your convenience. According to 15 USC 1681 - states that it governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) .these companies have violated my rights as a consumer and have gone against the policy by sharing my NPI to collectors without sending an opt out letter in accordance to 16 CFR 313.1 thus, this being INACCURATE INFORMATION. Therefore I ask to Please DELETE the items from my report as soon as possible! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, and XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX
Product: Credit card

Synchrony Bank services Sam 's Club Mastercard. I pay my bill IN FULL monthly. The money leaves my account electronically that day. It shows as posted online. However, the card is frozen for a week every month as they hold my money. The balance shows paid in full, no credit available for 6-7 business days. They actually punish consumers for paying the bill. Last month they processed it when I told them via chat that I would be contacting CFPB. This month it's a cycle of useless cyber chats to prevent me from getting it processed. Reporting.
Product: Debt collection

Never received debt information from collection company. Debt is supposedly with XXXX XXXX XXXX for {$1000.00}. ER i.e. collection company has placed debt on all 3 credit bureaus. I was not notified of debt.
Product: Credit reporting

The account from XXXX college under the collections agency XXXX has been deleted and readded twice now after failed attempts to verify. I was never notified of it being readded. I just redispited the first time and it was deleted again, and now has been readded once again without warning and without validation. I want this account removed and blocked from ever being readded. This is breaking the FCRA laws.
Product: Credit card or prepaid card

I called to close my Penfed XXXX card on XXXX I was told the {$95.00} annual fee would be reversed. The company closed the card but left the annual fee. I was not notified until the XXXX billing statement. I called Penfed on XXXX The agent seemed surprised this issue was occurring. I was told it would be fixed and have yet to see the balance be updated.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance Owed : {$4100.00} US DEPT ED XXXX Balance Owed : {$7300.00} CHLD SUPP VA XXXX Balance Owed : {$0.00}
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  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I was checking my credit report because I'm looking to buy a house and on my report and I happened to notice multiple accounts with inaccurate and fraudulent reports of auto loans personal loans resolving accounts student loans rental history credit card purchases and collections on my report I did not authorize also there are accounts that I find that don't have any permissible purposes or incorrect and improper information which are in violation of the ( FCRA ) the fair credit reporting act law and I would like them to be completely removed these accounts are. [ 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 Dept of EDXXXX XXXX XXXX XXXX Dept of Ed XXXX XXXX
Product: Student loan

Ive reached out to different parties for the loan forgiveness program, Im now going on my 4th year with getting to the program! No one is giving the correct information which is diabolical because all live in the same world! Instead of pointing me to the wrong people cause more of a fluster, why not provide information? Any time Ive spoken with people not of XXXX they state how theyre in the program for forgiveness & that I just have to reach out to the lenders & when I do I get crickets as the overall response!
Product: Credit reporting

Equifax refused to allow a consumers statement against XXXX. 
they said because I already had a consumers complaint against another company they could n't accept another consumers statement. I also included a consumers statement about a year ago, but somehow it disappeared, against XXXX.
Product: Credit reporting or other personal consumer reports

Requested validation and verification of debt for two accounts and information was not provided. This information was requested in XXXX and XX/XX/XXXX and again in XX/XX/XXXX but was never received. 

Information that was requested : proof of debt, signed contract, insurance claim, chain of title, original creditor information and right to collect. 

Disputed with TransUnion and accounts remained on my reports without any validation or verification proof.
Product: Checking or savings account

I am filing a complaint regarding the excessive overdraft fees charged to my account. Despite having sufficient funds at the time of the transaction authorization, I was charged overdraft fees due to delays in the processing of charges and credits. 

This situation is reminiscent of the recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Navy Federals practices. The CFPB reported that overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 accounts that were closed and still showing a derogatory remark on credit reports. This company will not completely close these accounts. They have agreed to and then they charge them off but leave it in credit as negative. I have disputed it over and over and I have been told numerous times it will be removed from report. As far as negative on credit score. When I dispute it they just respond the same way. And one of these accounts were opened under my name fraudulently I have told them that numerous times and no one seems to want to help me. These need to be removed right away please. I am just trying to repair credit.
Product: Credit card or prepaid card

To whom it may concern, Couple months ago, I got in touch over the phone with Macys Credit Card and set up a payment plan to get a promotional interest fee reversed due to expire time frame. I spoke to a Customer service Representative named XXXX and his employee is # XXXX ( XX/XX//19 ) and he helped to set up a new payment arrangement and gave two months to pay over the amount owe. This was back XXXX/XXXX/19, He gave me two payment amounts which will cover my promotional payments and my regular revolving expenses. In order to get all the interest back, I need to pay {$8000.00} within next two months from XXXX/XXXX/19 and another $ XXXXto cover all and pay in full my card. I was told to called whenever make my payments which I did However I was not given what I was promised. I make the total payment of the interest fee promotion and the rest of the balance didn't go down as Promised which leaving a higher balance. I called multiple times with long waiting times and giving same information over and over again. This is a negative and misleading information promised to customers like me. Until now, I have unpaid balance even though I called and complained many times. All my calls were recorded and they can go back and listened what it was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, MN XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements upon request.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was exposed, leading to the creation of unauthorized accounts and credit inquiries on my credit report without my knowledge or consent. I did not initiate these accounts or inquiries, yet they continue to appear on my report, negatively impacting my credit profile. Despite my attempts to address these inaccuracies, they remain unresolved, causing serious concerns about the security of my personal data and the reliability of my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the continuous reporting of a late open account on my credit file, as maintained by Credit Bureaus. Despite multiple attempts to correct this inaccurate information, it continues to adversely affect my credit profile and financial standing. 

The late open account in question is associated with XXXX XXXX, and it has been inaccurately reported as late, despite my diligent efforts to ensure timely payments and compliance with all contractual obligations. This erroneous reporting has resulted in a significant negative impact on my credit score and financial opportunities. 

I have taken the following steps in an attempt to rectify this situation : I have initiated disputes through your bureau, attaching all the necessary documentation to support the legitimacy of my claims. Regrettably, these disputes have not led to the correction of the inaccurate reporting. 

The continuous presence of this inaccurate information on my credit file has not only hampered my ability to access credit but has also caused considerable emotional distress and frustration. It is essential that this matter is resolved promptly to ensure the accuracy and integrity of my credit report. 

Implement measures to prevent the recurrence of such errors in the future and enhance the accuracy of credit reporting. 

I understand that accurate credit reporting is essential for individuals ' financial well-being, and I expect your bureau to uphold the highest standards of integrity and accuracy in this regard. 

Failure to address this complaint adequately may compel me to explore legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this matter and your commitment to resolving it in a timely and satisfactory manner. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent in my dispute letters to get these late payments removed. I wait the 30 day window to hear back and they sent me mail saying they updated my account. When I reviewed my credit report I noticed there weren't any updates with late payments. they were still on my report under my accounts. 

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX  XXXXXXXX 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 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as alate for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was notified by me in reference to some inaccurate accounts on my credit report. I have notified XXXX priority mail that they have failed to validate these accounts. I have asked that these accounts be validated and that I receive copies of the information of proof. There is also a public record ( Tax Lien ) that has been paid and IRS has approved for this be removed from my credit report. I faxed  over the form to them that I received from the IRS and to this date they have ignored my request to have this Public Record removed. Accounts also are : XXXX XXXX, XXXX XXXX Acct. # XXXX, XXXX XXXX and XXXX . I would like for XXXX is remove these inaccurate accounts from my credit report because it is affecting my ability to purchace a home for my children.
Product: Money transfer, virtual currency, or money service

I attempted to put money on my husband 's account who's currently incarcerated when it said he was blocked. I then called customer service and asked them why there was a block and the agent indicated that it was because there was a chargeback on the account from XX/XX/XXXX. I then opened my banking app and found out that that was faulse. The agent said the only way to unblock the account so that my husband can access his money is to send a money order and pay them {$130.00}. When I tried explaining there was no chargeback the agent said it might not have been me but it still had to be paid to unlock the account. I asked to speak to a supervisor and the agent said there was no supervisor working. I then got a money order and sent it to the address they provided in XXXX XXXX Florida to a XXXX XXXX XXXX My husband had over {$700.00} on his account. I want to know where that money went to. Jpay committed fraud no questions about it.