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}, {$0.00}, {$1600.00}.

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. 


-- INSTALLMENT LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The following item is inaccurate and negatively affects my credit. I previously disputed this account with the credit bureaus, and it was deleted from my XXXX report, but Equifax failed to perform an investigation and delete the disputed information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Debt collection

I was alerted by XXXX, XXXX  and XXXX  that the collection agency by the name of National Credit systems added a file to my XXXX XXXX in the amount of {$1100.00}. Since then I have disputed this account with XXXX, XXXX, XXXX, and National Credit system. I have requested Debt Validation on XX/XX/2019, XX/XX/2019, and most recently on XX/XX/2019. On XX/XX/2019 I requested a copy of a signed leased to prove debt validation through the XXXX XXXX XXXX, but received a statement of deposit with a hand written note saying I was evicted. National Credit Systems continues to report false information on my credit report and has caused my XXXX XXXX to diminish.
Product: Debt collection

I am filing this complaint against Service Finance Company , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I submitted a registered security and an endorsed copy of the contract as full payment for an HVAC installation under account # XXXX. XXXX XXXX received and retained this presentment on XX/XX/XXXX, but did not acknowledge, return, or apply the payment, in violation of UCC 3-603 ( Tender of Payment ). 
Following this, I submitted a formal debt validation request on XX/XX/XXXX, which was received on XX/XX/XXXX, via certified mail. This letter demanded verification of the debt under XXXX XXXX. XXXX ( b ), including an affidavit by a fact witness and a full accounting. Service Finance failed to respond appropriately and sent a generic packet of documents that did not meet validation requirements. A similar response was received again after I issued a Notice of Fault and Opportunity to Cure ( XX/XX/XXXX, received XX/XX/XXXX ) and a Notice of Default ( XX/XX/XXXX, received XX/XX/XXXX ). 
To date, Service Finance has failed to validate the debt in accordance with law and continues to report the account to credit bureaus as a mortgage, despite the absence of a recorded lien or deed of trust and a dispute on file. This conduct constitutes continued collection activity without proper validation, which is a violation of FDCPA and FCRA regulations.
Product: Debt collection

A XXXX XXXX XXXX XXXX, Case # XXXX XXXX XXXX ] has been constantly calling me for a debt that I do not owe for a company that I formerly owned but have n't owned in three years. There has been two owners since. He is calling on behalf of the XXXX XXXX Company. I never used them for insurance and do n't know who their agent is.
Product: Debt collection

I have a collection/derogatory account on my credit Report because of Denefits LLC a company I have never heard of never received a SERVICE OR PRODUCT FROM, THIS account is negatively affecting my credit Report and my personal life as well, according to FRCA this debt should be verifiable and accurate it is NEITHER, NOT ONLY that they have never reached out to me to let me know I owed this debt or even gave me a chance or knowledge of this debt so i could go through the proper channels to dispute it. I WOULD LIKE THIS DEBT TO BE REMOVED IMMEDIATELY OR I PLAN TO TAKE LEGAL ACTION AGAINST THIS COMPANY AND ANY COMPANY REPORTING IT. THIS IS ILLEGAL.
Product: Credit reporting or other personal consumer reports

I personally reached out to XXXX XXXX to report the balance of {$130.00} as paid multiple times but to no avail. They sent me the verification of payment letter but have not reported that I have paid the balance and it shows on my Equifax and XXXX credit reports. Balance was paid in XXXX or XXXX and keeps getting reported that is not been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has reported XXXX XXXX  on my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX $ {$2100.00} XXXX XXXX XXXX XXXX XXXX  : {$150.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX : {$150.00}.
Product: Debt collection

Contacted National Credit Adjusters , LLC  XXXX / XXXX / 17  in response to a message they left with my mother  XXXX / XXXX / 17 . I called  XXXX  I spoke with  XXXX , She would not tell me about the debt that I owed. I asked the name of the company they were hired by, how much  I owed. She would not tell me anything and demanded that I verify who I am by giving the following : last four of my social security number, birth date, and address. I told her my full name again, and that without her telling me who she was hired by to collect the debt I did not feel comfortable giving her that information. I then asked if she would no longer contact me via phone and only contact me via mail. She explained th at without me verifying that information she could not honor my request for mail correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} NELNET XXXX XXXX Date Opened XX/XX/2004 Balance {$0.00} How can you say that this account is verified when Im still seeing inaccurate information being reported? There are three different dates of the last activity reporting. Isnt the date of the last activity supposed to be the same in each bureau? How can you immediately report this account 90 days late when theres no late payment before that?
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day to all at the CFPB. Thank you for your service. It has come to my attention that I am being discriminated against and treat unfairly by the deceptive business practices of Equifax. On XX/XX/2022 I faxed Equifax my handwritten letter along with a photo copy of my drivers license to verify my identity. I wrote on the letter that I am a victim of Identity theft as a result of the Equifax data breach. I explained the economic hardship this data breach has put my estate in to the Equifax representative. I am being denied basic needs like housing for my personal, family, and household benefit. The representative then told me that I needed to send them a copy of my social security card in order for Equifax to honor my letter. I then explained to the representative that I dont feel comfortable sending sensitive information to Equifax because they are responsible for my personal information being compromised. 
The representative told me that he could not do anything without my Social Security Card. I then asked the representative to see if he could find on file a contract signed by me authorizing Equifax to report my personal information and or a court order. The representative said he could not find either. This is discrimination and a violation of my right to privacy.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report for a unknown account ( XXXX ). I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Please attach copies of the following documents : -Agreement with your client that authorizes you to collect on this alleged debt. 
-Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
-Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX all are reporting an unverifiable bankruptcy on my credit report, and I would like it taken off immediately. From XXXX XXXX
Product: Student loan

My original loan amount in XXXX was XXXX My balance today is XXXX. 11.96 % interest. I have been paying on this loan for 15 years! Ive been paying {$200.00} per month. I have paid over XXXX total! My estimated pay off is XXXX. This loan servicer is stealing money. None of my loan details make any sense. My loan should be paid off by now.. I have paid every single month. I havent missed a single payment. And I have paid more than double my original loan amount!!!!
Product: Payday loan, title loan, or personal loan

I have an account with Synchrony Bank for a Discount Tire card. I have made every payment on time and never been late. They lowered my credit limit and it effects my credit score because my utilization went up.
Product: Debt collection

XX/XX/XXXX TD Retail Card Services reported on my credit that I was 30 days late. The account was paid and closed as of XX/XX/XXXX. This account has been reporting incorrectly and needs to be removed..I have provided all credit reporting agencies with documentation and still no change.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. 
XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX XXXX XXXX XXXXXXXX To Whom it may concern, I am writing to express my profound dissatisfaction and apprehension regarding the handling of the reporting concerning the account XXXX XXXX XXXX XXXXXXXX on my credit report. Upon careful examination, it has come to my attention that there are egregious violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. Consequently, I am demanding immediate action to address and rectify these issues. 

Specifically, I hereby formally request a thorough debt validation, encompassing the following details : Original Contract : Furnish a comprehensive copy of the original contract between the purported creditor and myself pertaining to the account XXXX XXXX XXXX XXXXXXXX. 

Original Creditor : Clearly disclose the name and contact details of the original creditor linked to this account. 

Original Open Date : Provide the precise date on which the account XXXX XXXX XXXX XXXX was initially established. 

Date of Last Payment : Specify the exact date of the most recent payment made in connection to this account. 

Date Account Was Closed : Indicate the date on which the account XXXX XXXX XXXX XXXXXXXX was officially closed. 

I am fully cognizant of my rights under the FCRA, and it is evident that Experian has failed in its duty to ensure the accuracy and validity of the information it reports. I insist upon a prompt response and resolution to this matter. 

Failure to comply with this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to uphold my rights under the FCRA. Please regard this as formal notice of my intention to take such action. 

I anticipate a timely response, accompanied by the requested documentation, to be transmitted through the CFPB portal. Furthermore, please ensure that any amendments made to my credit report are promptly reflected.
Product: Checking or savings account

Chase has placed my funds in suspense due to check verification. I do not have verification for those checks and do not mind them being removed. However, my XXXX ( federal student aid ) and savings account are also being held, and they should not be affected. My XXXX funds were disbursed on XX/XX/year>, and reached my account on XX/XX/year>. However, my account was restricted on XX/XX/year>, just XXXX week later. I was on winter break during this time and only returned to school on XX/XX/year> meaning I was only able to use my XXXX funds just XXXX day before my account was locked. 

I have attached a screenshot proving that my XXXX deposit was made before any restrictions were placed on my account. I have informed chase that my XXXX funds should not be affected, but they are refusing to release them. I understand that Chase is reviewing certain deposited checks, but as stated before, I don't mind those checks being removed. However, my XXXX funds and my savings account balance should not be affected, as they contain money that belongs to me and is not under review.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries from : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, another inquiry from XXXX  XXXX, XXXX XXXX, a third inquiry from XXXX XXXX a second inquiry from XXXX XXXX XXXX XXXX a second inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX I DID NOT AUTHORIZE ANY OF THESE INQUIRIES .
Product: Credit reporting or other personal consumer reports

After checking my consumer report this morning I found an unauthorized collection account being reported on my credit by a company name XXXX XXXX XXXX. I have no knowledge of doing any business or transaction with this company. This company is fradulently furnishing false information that was never confirmed by me and I never gave permission to. These actions are not fair or accurate and is ultimately an invasion of my privacy. The consumer agencies XXXX Transunion as well as the company XXXX XXXX XXXX are all committing identity theft by using my private non public personal information with my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think one of my employee stole my purse, They or ( other persons ) use my credit card, debt card, they open accounts at XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX. XXXX. The person or persons has tried to get credit with XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX and XXXX I do not recognize these company
Product: Checking or savings account

On XX/XX/2024 I open a account with Charles Schwab and made mobile deposit for XXXX they contacted me and congratulations on new account and told me check cleared and next day I was locked out my new account when I contacted them they told me very rudly that no explanation will be given and my funds will not be returned to me and hung up on me and ive done nouthing wrong I want to emphasize that I have complied with all requests made by your bank, including verifying my identity promptly and fully cooperating with your procedures. I have not breached any rules or laws in any way. Therefore, the unilateral decision by Charles Schwab Bank to close my account without providing a valid explanation or allowing me access to my funds is completely unjust and unacceptable.
Product: Money transfer, virtual currency, or money service

I received a XXXX payment for a bike and a XXXX payment for the deposit and they received the bike. The. Venmo froze my account and held my money for 180 days no explanation now I have no bike and no money
Product: Mortgage

I have been diligently working on a loan modification for the last 2 years. I fell into a hardship in XXXX and was working with the bank for assistance. I hired a XXXX party to guide me through the detailed modification process. We provided all the requested documents and stayed on top of deadlines. After a year of working directly with the bank they denied the modification. I then had fallen into foreclose status which I was trying to avoid. They advised me to apply for XXXX. I have applied twice with the program, once in XXXX which was denied and again in XXXX. I was approved this last XXXX XXXX for assistance. XXXX provided the bank with the approval. I met all the requirements XXXX needed to assist me and get my loan back in good status. They bank needed to modify my loan for the assistance to be accepted. This would have brought my loan current and a lower payment so I could start back making payments. The bank refused the assistance stating that the home had too much equity and they advised me to sell and pay off the loan. I am a single mother with XXXX children that live full time with me. I was granted the house through my divorce in XXXX. I had maintained this responsibility up until XXXX when my XXXX older children became of age and my child support ended. I am XXXX and the economy hit at the same time my fund were reduced. My hardship has improved and I would be back on top with the banks approval along with the government assistance. I have a lengthy paper trail of my commitment to keep my home. I was been advised by the bank every step of the way. Every option they asked me to follow I did. I have spent a solid 2 years consumed with following their direction. I find it unfair and unethical that they will not provided the help that I have proven with documents that I qualify for.
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 : XXXXXXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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: Debt collection

I tried to telling the credit bureaus this is an error and sent them a copy of my drivers notifying this is not me I been living at the address since XX/XX/2020 NATIONAL credit System Inc Is reporting the the retreat at XXXX XXXX I have never lived at that address...
Product: Credit card or prepaid card

I lost my job in XX/XX/2020 due to pandemic. I reached out to Target and was informed that they were helping their customers by waiving late fees and payments until financially stable to do so. I was still charged {$63.00} in late fees and when I called was told by reps that there was nothing they could do and that I had to pay it.