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

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit report as they were opened without my authorization : Accounts to be blocked and deleted : 1. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Department of EducationXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Inquiries to be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My American Express accounts were somehow accessed and used by a third party without my knowledge or approval while I was dealing with a serious illness and not able to fully focus on my finances. The accounts became past-due without my knowledge, and Ive gone back and forth with the various companies where my cards were used. The largest charges came from one company and after reaching out to them they agreed to refund all the charges and mark them as fraud as well as have their credit card processorXXXX XXXX send me receipts of the refunds. I did in fact receive these refund receipts from XXXX, but this has now been months since the first refund request and no further communication or refunds have come. I reviewed both my American Express XXXX XXXX XXXX card and my XXXX XXXX American Express charge card and found several other charges that werent authorized by me. I went through each charge and found that all charges not completed with the physical card were fraudulent. All charges that werent either swiped or completed with tap to pay were not authorized by me and should be taken off my account balance. I have attached copies of the refund receipts to this complaint. My XXXX XXXX XXXX XXXX ends in XXXX and my XXXX XXXX card ends in XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that these two accounts XXXX XXXX XXXXXXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX on Equifax be deleted for they are harming my profile with the negligence of inaccurate information being reported. Equifax has failed to delete these two accounts that is reporting inaccurate. According to FCRA 15 U.S.C. 1681 both XXXX XXXX XXXXXXXX and XXXX XXXX are reporting inaccurate payment history along with the status of the account. Attached will be a letter requesting the verification of the information they are opposing to be accurate along with the payment history that both are. It is Equifax lawful duty to make sure that creditors are reporting accurate according to FCRA 1681e.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this unauthorized inquiries from my credit report!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent dispute letters by Certified Mail to XXXX, XXXX and Transunion requesting accounts with incorrect information be researched and corrected, I have had no response from any of the credit bureaus in the last 30 days The accounts I requested to be investigated and corrected are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$870.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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: Mortgage

PHH MORTGAGE Contacts us stating they are taking over our dispute for OCWEN neither one of these companies are recorded in our county records office with a modification agreement. 
XX/XX/XXXX transferred servicing rights to OCWEN. XX/XX/XXXX modification agreement was accepted. XX/XX/XXXX notice of TRUSTEE SALE FILED Doc # XXXX while in modification. in XX/XX/XXXX unlawful detainer filed by heloc RESIDENTIAL CAPITAL MORGAGE Which was purchased by OCWEN with a purchase agreement in XX/XX/XXXX. while in modification and current and compliant.XX/XX/XXXX kicked out of home of 23 years and left XX/XX/XXXX.XX/XX/XXXX OCWEN FILES IN HOUSE FORCLOUSURE using the XXXX loan # XXXX XXXX NOTICE OF TRUSTEE DEED UPON SALE FILED Doc # XXXX and are last payment to OCWEN was XX/XX/XXXX we were current and in compliance with our modification as per our Homeowner bill of rights being violated. XX/XX/XXXX fraudulent grant deed filed Doc # XXXX XX/XX/XXXX FULL RECONVEYANCE FILED DOC # XXXX AND NO HOUSE. THIS COMPANY HAS BEEN FOUND GUILTY OF MORTGAGE SERVICING FRAUD AND VIOLATING BORROWERS HOMEOWNERS BILL OF RIGHTS XX/XX/XXXX AND IN XX/XX/XXXX WHY ARE THES COMPANIES STILL IN BUSINESS AND THE CEO '' s NOT IN PRISON AND WE WERENT NOTIFIED OF ANY CLASS ACTIONS SUITS BECAUSE WE ARE NOT RECORDED ANYWHERE IN OUR COUNTY RECORDS WITH THESE 2 COMPANIES.
Product: Debt collection

TDBank was involve in a lawsuit due to fraud overdrawn charges to a massive of clients in their bank accounts. If I am not mistaken this lawsuit took place between the years XX/XX/XXXX-XX/XX/XXXX. My account was part of this lawsuit. Due to a loss TD Bank sent refund checks to their clients. Unfortunately, I misplaced my check and found it a week after deadline to cash it. After this issue I find out this amount was in a consumer report collection and I was unable to open an account at a Federal Credit Union. I disputed this situation with TD bank, main office, and with XXXX XXXX, XXXX XXXX , XXXX. I presented copy of the check and other documents I was able to find along with my statement but it was failure. I was unable to clear this collection. 

After 2 or 3 years I received in XXXX 2015 a settlement letter from XXXX XXXX , XXXX. I feel exhausted disputing for this amount, TDbank have a horrible customer service when it comes to dispute these type of situations or they can not accept the truth. 

My huge interest is to clear all my collection accounts, which for different reasons whether was a default of my end or inevitable situation to handle. I am in a status to work my credit to a great credit.
Product: Credit reporting or other personal consumer reports

This company continues to report to XXXX negative and inaccurate information on my XXXX report. I have sent Formal Dispute of Debt Reporting, Request for Validation, Proof of Accuracy, Issuance of 1099-C Form, and Notification of Legal Violations I am writing to formally dispute the accuracy and validity of the negative debt reported by the company to XXXX related to my account. This letter serves as a request for debt validation, proof of the accuracy of the reported information, issuance of the IRS Form 1099-C if the debt has been charged off, and a review of potential legal violations. 

XXXX. Validation of Debt Reported to XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt being reported. I ask that you provide the following : Documentation proving that the debt is valid and belongs to me. 
A detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges.

Copies of all contracts, agreements, or other documents that substantiate the existence and terms of this debt.

2. Proof of Accurate Reporting The FCRA requires that all information furnished to credit reporting agencies, including XXXX, be accurate, complete, and verifiable. To ensure compliance, I request : Documentation verifying the accuracy of all information reported about this debt. 
A complete payment history showing how the debt amount was calculated.

3. Issuance of 1099-C Form If this debt has been canceled, forgiven, or charged off, XXXX XXXX XXXX is required by IRS regulations to issue a 1099-C form for debts. I request a copy of the 1099-C form if this debt has been classified as charged off or forgiven.

Failure to issue a 1099-C form, if required, not only violates IRS regulations but also creates confusion regarding my financial obligations.

4. Potential Violations of Law This company has failed to validate the debt, provide accurate reporting, or issue the required 1099-C form, this may constitute violations of the FCRA and FDCPA. Reporting inaccurate or unverifiable information to XXXX may also result in further legal consequences.
Product: Credit reporting or other personal consumer reports

Upon review of my credit report, I noticed that a debt buyer had added a debt to my report. I have no debt ( XXXX XXXX  signature ) with this company.
Product: Credit reporting

Credit inquires were removed then reinserted. Customer service reps refused to rectify the call. I have been hung up on, transferred to the wrong dept and refused by a Representative to speak with a supervisor. Unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts not mine : potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XXXX XXXX. 
Account TypeXXXX  Balance {$320.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3000.00} Date XXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJun XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Time Share Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$270.00} Original Balance {$16000.00} Highest Balance {$0.00} Terms NA Payment History
Product: Debt collection

A company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX is trying to collect an old installment line of credit that I previously settled in full with Advance Financial 24/7. I have an email from XXXX from XX/XX/XXXX stating the loan number and that the message serves to confirm the loan had been settled in full. In XX/XX/XXXX, I started receiving phone calls and mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that Advance Financial sold the account to them for collections for an amount of {$2600.00}. Even after providing them with the original email stating the account was settled in full, they continue to tell me I owe it. I am concerned that it will harm by credit score that I've worked hard to repair.
Product: Debt collection

I have asked this company to send me details about this collections account by email or mail but have received anything but multiple calls a day everyday even after I have asked them to stop. When I do return the call, they wont give me any information without an account number ( which I do not have ) but they expect me to verify personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Debt collection

XXXX XXXX  XXXX / XXXX / {$1600.00} XXXX XXXX XXXX / XXXX / {$15000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

XXXX received my USBank Reliacard and went on their website to set up my account. I had called the customer service number more than 3 times to get guidance and the " BillPay '' option that is linked to my account. I was told many times that " you do not have this access ''. I was placed on hold for long periods only to not have my issue resolved. 
XXXXSince I was not able to get any help with the bill pay process, I decided to set up a " test '' Bill Pay on my account. I noticed the {$100.00} was deducted from my account immediately. I had no guidance as to how the payment would be processed, mailed or electronic. 
XXXX-I called the customer service number again and expressed concern about this, but was told once again that " you do not have access to Bill Pay ''. I had to insist upon speaking to a supervisor and was placed on hold for another 20 minutes. She could not cancel or do anything to return my funds. As of today, my money is in limbo.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 1 ) XXXX  XXXX XXXX, XXXX, on Transunion 2 ) XXXX XXXXXXXX, on Transunion 3 ) XXXX, XXXX, on Transunion 4 ) XXXX, XXXX, on Transunion 5 ) XXXX XXXX XXXX XXXX, on Transunion I never received a 1099c for any of the charge offs listed above as well I also saw some addresses that still were not removed. I have not lived at these addresses. My home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on Transunion XXXX XXXX XXXX XXXX XXXX XXXX listed on Transunion and XXXX XXXX XXXX XXXX, XXXX, NY XXXX listed on Transunion and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX listed on XXXX and XXXX All of the items listed above have violated my rights to privacy and have not been given written permission to be reported. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account information without my written instructions or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I communicated in writing to PHEAA via certified letter with return receipt seeking an investigation on the entries they were reporting on my credit report. To date, over 60 days later, I have received no correspondence from them. PHEAA has not attempted to respond to my request, yet when I disputed the inaccuracy of these entries with the credit bureaus, the bureaus responded that the entries were verified. This response prompted my communication to PHEAA. PHEAA has reflected late payments from XX/XX/XXXX thru XX/XX/XXXX. I do feel and believe that these entries are erroneous. I keep all of my records regarding student loans and I take full responsibility for my obligations ; however, having not ever received any information nor communication from them regarding the alleged delinquencies has me baffled. Additionally, the reporting among the bureaus for these accounts vary. How does the same alleged accounts on the 3 bureaus vary in the payment history? PHEAA does not even reflect payment history on the XXXX report? How so are the entries validated? 

If PHEAA is truly reporting accurate information, they should have been able to respond to my request and justify these entries with the corresponding documentation that substantiates the reportings. To that end, these entries should be deleted from my report immediately.
Product: Debt collection

Despite having paid XXXX, my credit still indicates that I owe them {$780.00}. I also paid the {$1900.00} I owed XXXX XXXX XXXX on the " XXXX XXXX  '' account. First, they sent XXXX a check for {$1900.00}, which they later returned to me. They took this salary from my account after two weeks. 
They issued me a {$700.00} cheque after I utilized the account, which I cashed. They mailed me {$300.00} after I used {$1200.00}, and I cashed the check. They eventually took the balance owed from my account and barred it as a result of fraud. The card was never again used. They continue to insist that I owe them an additional {$1900.00} despite the fact that we previously reached a settlement.
Product: Credit reporting or other personal consumer reports

I did not authorize 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 REMOVE THIS IMMEDIATELY. CREDIT FREEZE WAS PLACED ON ALL BUREAUS.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with Bank of America. 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with Bank of America despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and Bank of America. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX