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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute certain information in my credit report that I believe to be inaccurate. I have reviewed my credit report, and I found the following entry ( ies ) to be incorrect or outdated : Disputed Item ( s ) : Creditor Name : [ XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX XXXX ] Nature of Discrepancy : [ Account not mine and is currently reporting on my credit report ] [ Account not mine please remove all late payments and charge off ] I have attached the relevant documentation to support my dispute, including [ e.g., payment receipts, letters from the creditor, account statements, etc. ]. I kindly request that you investigate this matter and correct any inaccuracies that are found. 

Please let me know if you need any additional information or documentation from my side to facilitate the resolution of this dispute. I would appreciate your timely attention to this matter and request that you notify me of the results of your investigation. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( last four digits )
Product: Student loan

Its showing on loan amount {$3500.00} that I have two late payments ( XXXX and XX/XX/2016 ) I was enrolled and school and loans where in deferment. 

Another loan amount {$6000.00} that I have to late payments ( XXXX and XX/XX/2016 ) I was enrolled in school and loans where in deferment. 

All other loans are in good standing and was in the same date range but no late payments.
Product: Student loan

I called Discover to change which bank account my automatic payments came from. The customer service agent said that it was taken care of. The following month, Discover student loans withdrew {$530.00} out of my new account and applied it to someone else 's loan without my consent in addition to taking the normal payment out of the old account. They are now requesting documents to refund that money back to me even though it was admitted their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX 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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX ), # XXXX ( XXXX  ), # XXXX ( XXXX XXXX ), # XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX BANK ), XXXX XXXX ( XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX  ), # XXXX ( XXXX ( Original Creditor : XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ), # XXXX ( XXXX XXXX ), # XXXX ( XXXX & XXXX ), # XXXX ( XXXX  ) ; has violated my rights under sections. 

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: Checking or savings account

I have a Business Checking Account with Bank Of America and the balance in my account was low however I made a couple transactions and the account never went in the negative but I still got hit with a {$35.00} Overdraft fee. I do not agree with this at all. This is legalized theft and I want my {$35.00} to be refunded to me immediately. Customer Service and at the branch level are telling me they can not reverse the fee because I already had a reversal in the past. Well each situation is different isnt it?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft my information was found on the dark web, Equifax data breach, and other places. Someone has purchased cars, tried to buy houses and apply for credit under my name. This is defaming my character, violating my privacy, and destroying my life. I demand this item be removed and blocked from any future reporting. There are also fraudulent inquiries on my credit report i never applied for. I demand immediate removal I'm trying to purchase a home for my child, and this is in my way as i reported this is not mine doesn't belong to me. 15 U.SC 1681 is right to privacy act which there are a lot of violations.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXXXXXX {$44000.00} XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.
Product: Debt collection

I received a credit report alert that a collection for two medical accounts totalling XXXX ref XXXXfrom 2015, had been added by XXXX XXXX XXXX, they reported two accounts to all the credit bureaus, WITHOUT providing me information prior or allowing the REQUIRED 30 day VALIDATION period. They have violated my rights and before the FDCPA laws.. These debts are identity theft related. I have had all previous medical debt from 2015 removed from my credit and proven to be a victim of identity theft. I use a XXXX pretention server due to all the identity issues I've had and the Bureaus and XXXX XXXX XXXX have sheets on my social and name. This is supposed to be a law group violating the credit laws.
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}, {$170.00}.

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

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account for XXXX XXXX listed on my XXXX XXXX and Equifax credit report! They are reporting that I owe a balance of {$3600.00} when I have provided documents from the original creditor XXXX XXXX showing that the account was paid in full. I paid {$1900.00} as requested and XXXX XXXX assured in writing that the account would be paid in full and closed no further collection activity however ; XXXX XXXX keeps reporting a balance owing of {$3600.00}. I have provided the settlement letter and yet these two creditors still have no updated my account.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX  2023 I closed my previous business account. At this time with Barclay Bank, I had a revolving credit line of {$26000.00}. As someone who has relied on automatic payments for over a decade, this one slipped through the cracks. Apparently for two months Barclays charged me late fees and returned payment fees. This affected my credit score by about 100+ points. Ive always had excellent credit score. It was not my intention nor willingness, but quite frankly Barclays not sending me any regular usps mail notifications of this. Instead, they lowered my credit to XXXX XXXX XXXX XXXX  XXXX. 

When I realized that I had not updated my bank information for them to receive the automatic payments I called them and they investigated. Since Ive been a loyal customer for many years they reinstated my credit limit to {$26000.00} in XXXX. 

Summer is a very busy month for my Business and unfortunately due to an error which was caused by my assistant who did not keep me posted, I suggested immense credit loss. 


Barclays said theyd report to the agency so I can get my credit score repaired but we are in XXXX  2023 and still at a fair rating. 

I expected Barclays to take a more proactive approach but now I realize I must File this complaint. 

Thank you in advance for helping me.
Product: Mortgage

The company has engaged in obvious fraud, it has refused to release the title on a property that has been paid off. Persons that have purchased the property are unable to complete the purchase and move in.
Product: Credit reporting or other personal consumer reports

Hello, I have requested for a XXXX form from the original creditor XXXX which they denied and requested for me to reach out to the IRS to XXXX the document of the charge off. From my knowledge the creditor is supposed to provide the XXXX form after placing the vehicle under a written charged off account. Not only that, the creditor is updating my credit report agency XXXX, XXXX XXXX and Experian as repossession instead of a charged off which is false information that ' falls under the law of 15 U.S.C 1681. The account been closed since XX/XX/XXXX. However, the repossession is still reporting across the board as a late payment as of XX/XX/XXXX as if the vehicle been repo every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

I sent a dispute letter to this company to validate this debt that they say I owed. It is now 45 days no response and they continue to report it to the credit bureaus. This is fraud after I have notified them that accounts are in dispute. 
I reviewed my credit report and saw invalid debts reported by your company and as allowed under the Fair Debt Collection Practices Act ( FDCPA ) ; I am requesting that you allow me to validate the alleged debt. I am unaware of these debts and need you to provide a breakdown of all the bills. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission nor have services performed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my TranUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

i have been fighting for over year to find the law enforcement agency that enforces these laws, and this is not the first time i have written you. 
this will be the last, letter i write searching for just, and you can do like the XXXX outside my home and find the rest of the story or make up the rest like they doa conversation with the F.B.I. 
still no answers or call backhttps : XXXX is a letter from a brief i sent to then Attorney General XXXX XXXX. 
all consumer issues, and back story of state XXXX actionsXXXX XXXX
Product: Mortgage

Our loan was modified. We made all the trial payments needed. They came back to us and said they were sorry they made a mistake. We appealed it and then they came back and said they would honor the {$1800.00} payment but we had to pay {$5600.00} in a few days. We asked for more time but they said no. We appealed and was told to do nothing until they reached a conclusion. They told us to make XXXX 2015 payment which we did. They sent us new modification papers which only stated we had to pay the {$1800.00} and nothing else. We signed and notorized them and sent them back. They executed them and sent us copies. I made the XXXX payment on time and today XXXX/XXXX/15 they returned my money and said they want {$6100.00} by XXXX XXXX ( 4 days ) and also pay {$2900.00} for 6 months before we can pay the {$1800.00}. They said our modification was no longer good. I do n't feel what they are doing is right. Can you please help to straighten out this mess. We do n't want to lose our house over this because they are not taking our payments.
Product: Credit reporting or other personal consumer reports

I just checked my Transunion Credit Report and found an inaccurate account showing on it, that must be deleted according to the FCRA. The following account inaccurately shows XXXX late payments. If this car had this many late payments it would have been Repossessed, but was not. 15 U.S.C. 1681a ( 2 ) ( i ) : Exclusions, states that Late Payments/ Transactions are not to be reported on credit reports. Transunion has also violated the FCRA and my rights by not following Compliance Procedures and by not ensuring Maximum Possible Accuracy in credit reporting ( 15 U. S. Code 1681e ( b ) and 15 U. S. Code 1681i ). Inaccurate Account : XXXX XXXX XXXX, Account # XXXX. Transunion has the responsibility as a furnisher of my information/ credit report to ensure accuracy in reporting ( 15 U.S.C . 1681s2 ). Also, according to the FCRA 15 U.S.C. 1666 ( b ) : Billing Error : Creditors can not treat a payment as late for any purpose. I demand that Transunion delete this inaccurate account because of all of these violations of my consumer rights, and the FCRA laws. Please mail me a corrected copy of my credit report.
Product: Credit reporting or other personal consumer reports

The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these bankruptcy without permission and that is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICOLLECT XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Reporting the following ( less account info here for privacy ) to the credit bureaus on my behalf without the written instructions of myself the consumer. I have no relationship or agreement with the company named above, therefore, they do not hold any permissible purpose for claiming or reporting this information. 

I am filing a report of identity theft against Americollect. Re 15US Code 1681b Adt'l info regarding fraud : LOAN TYPE : COLLECTIONS AGENCY/ATTORNEY DATE UPDATED : XX/XX/2023 BALANCE : {$580.00}
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of XXXX. However, I never received those cards before. I travel from state to state for my business, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and XXXX. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Credit card or prepaid card

On or around XX/XX/2022, my Citibank credit card number was stolen and fraudulenty used without my permission. Citibank contacted me and informed me that my card had been used in a suspicious manner. I immediately contacted Citibank and disputed the numerous fraudulent out of state charges. After several months of contacting Citibank, they finally agreed to reverse the fraudulent charges that they ( Citibank ) alerted me to. After all of the fraudulent charges had been reversed, I canceled my Citibank credit card due to their lack of appropriate security protections. Citibank then has reversed one of the fraudulent charges, the largest one, yet reversed the numerous and obvious other fraudulent charges, back to my closed account as retaliation for my closing the account. 
I am disputing the entire amount of the fraudulent charge and reporting Citibank for retaliation.