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

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Pursuant to 15 usc 1692g ( a ) ( 1 ), I am requesting the amount of the alleged debt, and how the amount of this alleged debt was calculated. Please keep in mind this is only a request for validation of the AMOUNT of the alleged debt pursuant to 15 usc 1692g ( a ) ( 1 ). 
Please be clear on where this debt originated, how it was calculated, and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information ( my place of abode ) I am only requesting the alleged amount of this debt you claim I owe, and how it was calculated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a fraud claim through XXXX XXXX Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. XXXX XXXX Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in XXXX transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.
Product: Debt collection

Unknown to me until I pulled my credit report. Do not believe I owe.
Product: Credit reporting or other personal consumer reports

This institution is reporting charge-off accounts on my XXXX and XXXX credit report. However, they have failed to conduct proper investigations or provide the necessary documentation as required by law under the Fair Credit Reporting Act ( FCRA ). 

As per my rights under the FCRA ( 15 U.S. Code 1681i ), I formally disputed these charge-off accounts, requesting a full investigation and validation of the debts in question. According to the FCRA, credit reporting agencies and the institutions furnishing the information are required to : Investigate the Dispute : Upon receiving a dispute, the information provider must conduct a thorough investigation and respond to the consumer within 30 days. 

Provide Written Results : The consumer must be provided with the results of the investigation and any supporting documentation that proves the validity of the debt. 

Cease Reporting if Unverified : If the information provider is unable to verify the debt after an investigation, they are required by law to cease reporting the incorrect or unverifiable information to the credit bureau. 

Despite multiple disputes, these institutions have not provided me with the required results of their investigations. Furthermore, I have not received the proper validation documents to substantiate the charge-off accounts. This is a direct violation of the FCRA and my consumer rights. 

I am requesting that these institutions be held accountable for failing to adhere to the legal obligations outlined in the FCRA. I ask that these charge-off accounts be immediately removed from my credit report due to their inability to provide proper validation and investigation results. Additionally, I am requesting that these institutions notify XXXX to delete any erroneous or unverifiable information. 

I appreciate your attention to this matter and expect swift action to resolve these issues. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, 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. 

PORTFOLIO RC XXXX PORTFOLIO XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: Debt collection

They sent mail to an address that no one under the name lives at and I asked to stop recieving mail and phone calls to which they said the mail would stop but would not stop calling me after I asked them multiple times to not call me anymore which is my right, this company needs to be taken down as a collection agency horrible agents over the phone got hung up on 3 times.
Product: Vehicle loan or lease

I am concerned that AmeriCredit dba GM Financial and XXXX XXXX may attempt to take actions that could cause harm to me. I would like to pursue pressing charges. 
I am writing to formally notify the CFPB that I am a victim of identity theft committed against me AmeriCredit Financial Services dba GM Financial and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulent activity related to a forged and unauthorized second Retail Installment Sale Contract ( XXXX ) dated XX/XX/XXXX, has been created and executed without my authorization in order to obtain funding. It is this fraudulent contract that GM Financial is using to validate and enforce an alleged debt obligation. I did not enter into this contract, and the signature purported to mine has been forged eight times. 

I have fully complied with the law by submitting an identity theft claim and declaration pursuant to California Civil Code 1798.93 ( c ) ( 1 ) and ( 2 ), since the contract originated in California, and it was mailed and delivered to the alleged lender GM Financial. I also submitted a billing error resolution notice under 12 CFR 1026.13, which was received by GM Financial on XX/XX/XXXX. Both XXXX XXXX XXXX XXXX and AmeriCredit Financial Services , Inc. dba GM Financial have committed fraud, identity theft, and forgery against me by creating a fraudulent and forged Retail Installment Sale Contract without my knowledge or consent. GM Financial is currently using this forged contract to enforce an obligation they are legally prohibited from enforcing.

Under 12 CFR 1026.13 ( d ) ( 1 ), I am entitled to withhold the disputed amount, which encompasses the entire contract amount, and any collection activity related to it is prohibited by law. Additionally, since the transaction involved the electronic transfer of money, there is a strong indication that wire and bank fraud may have occurred.

I am also in the process of filing further authoritative complaints with the California and Washington Attorneys General, the IRS, and the SEC, among other entities. This issue appears to extend beyond my individual contract, as the language imprinted on the fraudulent contract aligns with GM Financials SEC filings, suggesting it may be part of a broader securitization program. This matter requires further investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Method of Verification Request Report Number # XXXX. 

To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , verified the account they are reporting is accurate. When in fact these accounts were the result of Identity theft. You had the ability to use the e-Oscar System to request a BRR, a police report was sent and FTC Id Theft Affidavit. However, you failed to do so. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022, a payment of {$300.00} was suppose to come out, and the bank thought it was fraud and pulled it back, the next day it was sent back to Amazon this was the first time something like this has happened in 5 years. I am appalled that one error not on purpose and not by me caused Synchrony Bank to close my account. I can not believe the audacity of this company, to close someone's good standing for years over a bank error. They should be ashamed of themselves. I am a hardworking person and I believe that this should be brought to someone's attention.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report. The account in question is with XXXX XXXX XXXX, a revolving account with account number XXXX, opened on XX/XX/year>. 

This account was charged off, and I no longer owe money to this creditor. However, it is still inaccurately showing a balance of {$380.00}. According to the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate and complete. The current reporting of this account is incorrect.

I am requesting that you investigate this matter and either : 1. Provide documentation showing that the balance is accurate and owed, or 2. Update the account status to reflect a {$0.00} balance with no amount due. 

Please address this dispute promptly, as required under the FCRA, and provide a written response regarding the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I have no idea why this account is on my credit report. I have a lease agreement and move in statement that shows a different apartment number than what is being collected for. I am not responsible for the debt owed and want it removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a veteran so the VA loan on my property interest rate has dropped from XXXX to XXXX so my loan officer is doing the paperwork on the loan. Experian is showing me a score of XXXX. When my loan officer pulled the Experian score he received a score of XXXX. Last month I reported to the following ; Just want needs to be done I'm tired of getting cheated, because of bad reporting. 

Experian has not been reporting on my life for I will be turning XXXX next year and it's exulting just trying to navigate the credit world. About two months ago I used Experian Boost to improve my credit on Experian. My score went up by 30 points to a XXXX. It's only effective Experian FICO Score XXXX ( XXXX ), the other Experian FICO Score XXXX ( XXXX ), Auto Score 8, FICO Auto Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), Bankcard Score XXXX ( XXXX ), and Bankcard XXXX ( XXXX ) have not changed. When I applied for XXXX  XXXX of the lower score are used to deni credit again. Experian has systematically to fine was on how not to report correctly on my life. When I called to talk to Experian there was no one to talk to. This company needs to disband and restructure they should not be allowed to practice in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the following information verified, and would like to know how it is verified to be accurate on my credit report. 

Bankruptcy - Discharged Chapter XXXX Reported XX/XX/2017 Reference # XXXX
Product: Payday loan, title loan, or personal loan

I got my loan initiated on XX/XX/2021. I received my information to setup on my online banking, and it reflecting that my next payment date was on XXXX XXXX. On XX/XX/2021 I made a payment of {$200.00} which is more than the minimum amount due with the anticipation that it would be applied to the XX/XX/XXXX bill. On XX/XX/XXXX I got an email stating that my payment was late. Which made no sense to me since I had made a payment on XX/XX/XXXX. I called and spoke with a representative who informed me that I made my payment too early, so that even though it was applied to the loan, it did not affect my XXXX due date. I told them I would be making my payment that day, however I wanted them to reapply the payment made in XXXX, to credit my XXXX payment, and the payment I was making that day to credit XXXX. They stated that they could not allocate the payment. I requested a supervisor, who stated they would not reallocate that payment and could not give a guarantee that it would not reflect on my credit, but she would waive the late fee since I was going to be making a payment that day. I advised that should have never been charged a late fee since i was never technically late, having made a payment in XXXX to cover the XXXX payment and now making my XXXX payment. After requesting that they escalate my issue i was told that i would have someone call me back. By the afternoon of the following business day i did not have a call back and I again reached out to Ally to have them make the payment right. They did confirm that it would not reflect on my credit, since they don't report to credit reporting agencies, however they refuse to reallocate my payment to reflect that it was in fact paid in XXXX, and that the payment made in XXXX was for XXXX. All I have asked is that they reallocate my payments accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to XXXX, XXXX, and Experian. I am not carrying a balance on this card. This card has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent Navy Federal Credit Union a letter for Validation of a Alleged debt under the Fair Debt Collection Practices Act, On XX/XX/2021 they received it. 

The letter Clearly states that Navy federal Credit Union had 30days to validate the account and respond to the account listed on my XXXX account and they failed to respond in the allotted timeframe bearing my signature meaning the original contract. 

The letter also states that their claim can not and will not be considered if any portion of the form I sent is not returned and completed with all requested documents, they failed to do that as well in accordance to the Fair Debt Collections practices Act within 30 days It is now XX/XX/2021 and Navy Federal sent me a letter with none of the information requested, no documents bearing my signature.
Product: Credit card or prepaid card

A merchant credited my account for services that they did not provide. The credit appeared on my account. On XX/XX/XXXX American Express issued a refund check for the credit and posted it to my account resulting in a XXXX  balance. On XX/XX/XXXX they posted the same refund for a second time resulting in a positive balance. On 7 separate occasions I have contacted American Express asking that they correct the problem from the duplicated credit to my account. on each of those 7 occasions American express told me they would correct the problem and that a XXXX balance would be on my account. They have yet to correct the problem. they have now started to charge late fees and have started calling me on my home phone. Each time they admit their mistake and remove the late fees admitting they have made a mistake, but have yet to correct their original mistake.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account. 

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I hereby submit a renewed complaint to apprise you of the identity theft incident I have fallen victim to. I revisited the FEDERAL TRADE COMMISSION website, accessible at https : //www.ftc.gov, and proceeded to file an identity theft report, as mandated by the FCRA section 605b. It is imperative that Credit Reporting Agencies, as per this section, expeditiously expunge any entries attributed to the identity theft report I submitted. Enclosed herewith are the pertinent documents facilitating the removal of inaccurate information currently reflected on my credit report. The ensuing is a catalog of items erroneously associated with my identity or opened without my explicit authorization, as observed in the credit reports of different agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any information identified by the consumer as resulting from alleged identity theft within four business days of receipt.
Product: Consumer Loan

bought used XXXX truck at local sales outlet in XXXX 2016 with trade and cash. Received new loan from Westlake Financial ( XXXX ). Given 1st payment date due ( about 30 days out ), amount and payment address from dealer. Had to call Westlake for account number. No bill/statement sent thru USPS. Set up payment by check with my banks online account. Payment delivered 5 days before due date ( verified ). Received call from Westlake on day after due date claiming late payment. I had to waste time researching check number for them. Check was finally cashed about a week later. Now it 's been another month and I paid early again thru a different online bank account. Same result. Westlake calls 3 times same day insisting on payment. Check number was harder to research here and when I attempt to phone Westlake back all calls are dropped before reaching an agent. Over two months have passed and still no bill or statement via USPS. I have repeatedly verified my address every time they have called. These people have completely soured this truck trade with headaches/wasted time and I 've only made two payments. Is this a legitimate company? I made a large down payment and the value is well above the loan amount. Could they possibly repo my truck by claiming I have n't paid when they seem to loose every check I send?
Product: Credit reporting or other personal consumer reports

I have had inquires show on my credit report that were not mine. I hvae called the dealerships, I submitted a report with the FTC and my inquires were removed and then added back on from XXXX and equifax.