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

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im going to make this as simple and clear possible. 

XXXX XXXX XXXX  acc  # XXXX -I had an account account 3 years ago that was closed after car was totaled. 

-last payment was made 3 years ago -the payment history is inconsistent with other reports and KEEPS CHANGING randomly even up to now -How can an account closed 3 years ago with last payment 3 years ago keep having changes to payment when XXXX XXXX says they send the same exact data every time?
Product: Credit card

us bank dont get it. im doing a debt settlement with an XXXX XXXX rated company and they are XXXX acredited. they say they have no contact with this company so im going to give it to them. ill get to that in the last step.
Product: Credit reporting or other personal consumer reports

" I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit card or prepaid card

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING COMPANY WAS FRAUDULENTLY OPENED IN MY NAME : CAPITAL 1 # XXXX OPENED : XX/XX/18 XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my third attempt to rectify this matter. 
I did not authorize, benefit from nor consent to any of the following inquiries. Block and remove them : 1. XXXX XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXXXXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX 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 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, 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 reporting or other personal consumer reports

I hope youre doing well. Im following up on my earlier request for assistance. Ive already submitted all the required documents concerning the item that doesnt belong to me.
Product: Debt collection

To Whom It May Concern : This letter is regarding this account which you claim I owe this debt. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 15 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

ACI stated that i will be served with a subpoena to court for XXXX charges of desceptive use of a check, and fraud if i did not pay my debt off in XXXX payment. My balance was not the same as my original loan amount and after a year of on time payments and i restarted another 6 months to pay it off. ACI stated those payments do n't count toward the balance, and i owe XXXX more than my original amount borrowed. How does this work.
Product: Student loan

On XX/XX/2021, due to my Public Service Loan Forgiveness application, XXXX, my loan servicer at the time, transferred my loans to PHEAA. 

Because the account has transferred to another Education Department ( ED ) servicer, a suppression order was added to the account, at the direction of ED. XXXX has not actively furnished any data to credit-reporting companies since XX/XX/2021 due to this order, which means my loan accounts are listed as active, with a XXXX XXXXXXXX balance even though I've paid them all off in full. 

I am requesting that ED remove the suppression ASAP so that XXXXPHEAA can furnish data to credit-reporting companies reflecting that my account has a {$0.00} balance and was transferred to another entity ( and therefore closed ).
Product: Credit card or prepaid card

Under the guise of employment at the company as a project manager, XXXX XXXX XXXX, supplied a Contract of Employment and had my wife take a series of 10 case studies on leasing and international trade. On successful completion of the training she would receive {$2000.00} and an offer of employment. My wife was a good student and got all " A '' s. Pleased with her performance they asked her to help set up the office in XXXX, NJ. They sent a Purchase Order for 12 XXXX. They said we would not be at risk as our Citibank credit card would be reimbursed from an account at XXXX -Account number XXXX routing number XXXX. Indeed, on line we saw that funds had been received by Citibank from XXXX. On that basis we express mailed the phones on XX/XX/XXXX via USPS to : - XXXX XXXX, Room XXXX, XXXX Floor, Poly Center, On Lok Tsuen, XXXX, XXXX XXXX. The USPS tracking number for the first item of 6 boxes each with 2 XXXX was XXXX. Per the tracking number the phones were delivered on Tues XX/XX/XXXX. Subsequently on XX/XX/XXXX Citibank emailed that There was a problem with your online payment ( actually a reimbursement ) of {$6000.00}. We called Citibank and on a recorded line we asked several times and they confirmed that a second online payment for {$5600.00} had been received. The reference for the recorded call with Citibank is XXXX. That put our mind at rest. One week later, on XX/XX/XXXX, we received an email from Citibank that " A payment was returned unpaid ''. We have been unable to contact the company representatives by phone and email. They have disappeared. Had Citibank not confirmed receipt of the payments we would have had time to notify the shipper of our suspicious of a fraud. 
We have notified the local Police Dept in XXXX, NJ. The Case Number is XXXX and their phone number is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

We spoke to Citibank again today, XX/XX/XXXX, to both customer service and the fraud dept. We were told that as the charges were valid we were liable. I informed the representatives that had Citibank not provided false information specifically on the status of the reimbursement we would not be in this position. They told us they would try to investigate. 

Notes. 
1. This fraud was very well organized and it seems unlikely they would go to this much trouble and not do this on a large scale.

2. It seems that the criminals know the credit card payment systems better than Citibank 's employees.
Product: Credit card or prepaid card

I am due a refund for cancelling a reservation. American Express has not done a reasonable investigation of my dispute or they would have refunded the charge. 
On XX/XX/XXXX I called directly to the XXXX XXXX in XXXX XXXX, SD to make a reservation. I did not know at the time that they transferred me to a third- party company call center in the XXXX . I made the reservation for two nights XXXX-XXXX. 
On XX/XX/XXXX at approximately XXXX, I called directly to the XXXX to cancel my reservation due to the spike in Covid 19 cases in SD. They told me they could not cancel as I made the reservation with XXXX and I must call them ( news to me ) I called XXXX and they told me I did not make a reservation with them and to check my confirmation email. I did and it referred me to another company called XXXX. I called this company and they said they would cancel the reservation. They did not send me a confirmation email of that cancellation. 
I disputed with American Express and received a response that said I did indeed stay at the hotel on this reservation? They claim to have talked to XXXX at the front desk who said I used the reservation. That is completely false? ( Someone just trying to close out a dispute! ) I re-disputed the charge. Now I get a response from XXXX showing the ways to cancel a reservation online? And say I did not cancel it. I Did cancel the reservation and I cancelled it by calling a phone number to cancel XXXX which was on my confirmation email. 
I made this reservation and cancelled via phone and now XXXX is claiming no evidence that I cancelled online? ( After they told me via phone that I had no reservation with them! ) Again, American Express has responded with inaccurate information and a poor investigation into this dispute. If this third party company has any credibility they should have my two phone calls recorded. 
Please American Express.. investigate and refund my money!
Product: Debt collection

XX/XX/12017 XXXX they called and harrased me. im suffering from XXXX. this is not mines. i can XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear XXXX 
I have paid my monthly bill every month due to corona, doctors app. etc. 
I have not received from niissan statements, email or other ... ... ... ... 
I need this lease. Please help.They are not easy to work with, very short, just in for the money not the customer.
Product: Debt collection

I XXXX in XX/XX/2008, I have not been able to work since, just 3 or 4 years ago I was XXXX. He XXXX, I went to hospital for several days & XXXX cost & stay was waived due to my indigent condition by the XXXX ... The XXXX however appears to be a money grubbing XXXX & has turned his fees over to a collection agency. Initially I made payments by borrowing money from family & friends. I paid off some of the debt then. Recently I have been receiving calls from Affiliate Asset Solutions. I still am not able to work & feel this debt is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.
Product: Debt collection

I sent a message to XXXX and told them that it was I'd theft never got a response
Product: Student loan

I had loans through XXXX XXXX XXXX because I went to XXXX University and as a part of XXXX closing. they were supposed to get rid of the loans I still had almost {$9000.00} through uas lending Services since they receive the loans that XXXX had to give up. almost {$7500.00} of my loans was removed from uas lending services but I still have a total of {$1700.00} and change through uas lending services. I do n't feel that I should be paying for this other XXXX if they already removed almost XXXX from my private loans that originated with XXXX and wound up with uas. I keep getting calls from uas saying that I owe the money and now it 's in collections saying that I owe them money why was this part of the loan not removed when the other XXXX % was? I would like for this loan to be closed out I 've already reported it through XXXX XXXX saying that I should not be paying for it and all they did was remove the late fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/year> {$23000.00} My information may have been impacted by the Equifax, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on all credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Items were deleted and put back on my credit account As I mentioned above I will like the actual steps you have taken to investigate this matter as well as the proof you received from the company if such investigation did not exist I will sue for monetary compensation I ask for immediate deletion Respectfully XXXX XXXX XXXX XXXX
Product: Student loan

The company has claimed on multiple occasions that " the check was in the mail '' however, it has been almost a year since they were supposed to send the refund and I have yet to receive it. They claimed the check was originally mailed in XX/XX/XXXX and I should wait 60 days. Then in XXXX when I didn't receive it, they claimed it was sent on XX/XX/XXXX and I should wait 60 days until XX/XX/XXXX. Now, they claim that they re-issued it on XX/XX/XXXX is untrue based on a phone call I had on XX/XX/XXXX where they claimed they had to wait until XX/XX/XXXX before they could reissue the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}
Product: Credit reporting or other personal consumer reports

Inqueries : XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXXXXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Inquired on XXXX This inquiry was not authorized proceed to remove it from my credit report immediately.
Product: Checking or savings account

i had a bank account with bbva compass in XXXX texas i had cashed a check not knowing it was bad so when i filed my income tax i put that bank account routing adn account number so i can pay it back note i only owed {$800.00} the depoist was for {$1900.00} well since that account is closed they just got what i owed them and said they will send a check for remaing balance now which is owed to me in check form i call the bbva corp office and recovery no one can give me an answer or anything keep putting me on hold then hangs up i am at lost for words dont know where to turn to or ask for help