23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

FOLLOW-UP ON COMPLAINT ID XXXX This notice is to inform Chase, that still til this day ( 7 months later ), they have failed to provide any real evidence that I was the one to purchase the merchandise from XXXX totaling {$340.00} billed on XX/XX/2019. In fact, they were the ones to inform me of the charge in the first place, via a suspicious activity email ... Therefore, theywill either be crediting my account for this amount ASAP ... Or ... I will be deducting it from my next statement balance payment ... And then the minute I see something negative from them on my credit report, I will then be filing a complaint against them with the credit bureau ... Please note, that in the 15 or so pages that Chase had sent me, there is nothing shown that actually proves that I was the one to make that purchase from XXXX. Back on XX/XX/XXXX, a lady from the executive office called after I received the 15+ pages, and I informed her that all they've shown me was bogus documentation, including a fake screenshot from XXXX , who's had it out for me for months prior to this incident and would do anything for me to get XXXX over. This behavior is actually on record with Chase from a prior incident where I actually did authorize a purchase with XXXX, but I returned the item and they lied to Chase stating they never received it. And of course, Chase stood right by them the entire time, instead of their customer. XXXX ... Luckily I had proof from XXXX that they did in fact receive the item and Chase could no longer stand by them because of it so they permanently credited my account. XXXX was FUMED. They actually went as far as deleting my account. I, nor anyone else who lives here were even able to make another account. As they actually flagged my address. That is another reason why there is no way that me nor anyone in this house made that purchase ... Anyway, then she claimed they saw the IP address that was used to make the purchase and it matched my name and address. So I asked her to provide me with that documentation. She then proceeded to tell me it was on one of the 15+ pages they sent me ... I said, no it's not. Not at all ... She said that even though it's there she could email it to me ... I said, Well, it's not there -- and yes, please email it to me ... So later I received an email with an attachment from the Chase executive office ... Tried to open up the attachment.. It was blank! I emailed them back and asked them if this was a joke and to again -- please show where they saw an IP address from which the order was placed belonging to me, or further action would be taken ... I sent that email a few times. They never responded ... It's been a few months since that happened and I haven't done anything further. So they think they've gotten away with it. Well, they need to think again. Shame on them for making a customer pay for a fraudulent charge ... After I get my money back after racking up my card for {$340.00} and not paying it, I believe I will be closing both of my accounts with Chase -- As I don't do business with XXXX ...
Product: Debt collection

I discovered this collection account after it was already sent to collections. I never received an initial letter of my right to dispute. I immediately faxed a dispute letter to the creditor and they have not contacted me and continue to report on my credit. I have no knowledge of this account and request proof of the following : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in California ; ( 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
( 6 ) Please provide a complete account history, including any charges added for collection activity. 
( 7 ) What is your authorization of law for your collection of this alleged debt? 
( 8 ) Please evidence your authorization to do business or operate in this state. 

Thank you.
Product: Student loan

I am a student loan borrower that is eligible for the Public Service Loan Forgiveness Program ( PSLF ), with loans serviced thought FedLoan. I will have been working in public service through a 501 ( c ) entity for 10 full years at full time in XX/XX/2022. As payment counts are being updated through the PSLF waiver and expanded TEPSLF program, dozens upon dozens of people have been reporting online that many of their hardship forbearance or deferment months when no payments were made have been included in their updated counts and are either bringing them closer to having their loans forgiven or are already having their loans forgiven. On the other hand, many ( myself included ) are hearing from FedLoan that those forbearance months DO NOT count and have not had them applied to our official qualifying payments. I have been documenting each instance of the opposite happening - of borrowers having zero payment months under forbearance or hardship counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never had a XXXX card or XXXX account this isn't mine XXXX sent me a letter stating that itS my account due too the person making payments on this account that not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I just login to my XXXX XXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX- collection {$1900.00} XXXX call me and said I have an bal of XXXX XXXX call me said I have a XXXX Santander call me and said a XXXX XXXX call me saying a XXXX check was deposited and they close my acc XXXX XXXX XXXX business call me saying a XXXX XXXX XXXX XXXX and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I've sent a letter to Portfolio Recovery Associates LLC to Cease and Desist from contacting me by any means, remove my name from their database and consumer reporting agencies, and that i refuse to pay the alleged debt with respects to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
Portfolio Recovery Associates LLC and their agents sent repeatedly letters dated XX/XX/2022, and XX/XX/2022 of improper investigations, unnecessary requests for verification, and unlawful termination into investigation. 
On XX/XX/2022 I sent another Cease and Desist to Portfolio Recovery Associates to XXXX of their agents. 
Agent from Portfolio Recovery Associates LLC, sent another letter dated on XX/XX/2022 stating that I allegedly have to pay for an account in collections which is against the the law. 
On XX/XX/2022 I sent an Affidavit of Truth along with another Cease and Desist to thoroughly explain why I refuse to pay, there is no physical contractual agreement between myself the consumer and this debt collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mail a letter to Equifax asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Equifax have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of obtaining mortgage approval. My mortgage lender XXXX submitted a rapid rescore to Experian on Monday XX/XX/2021 with supporting documentation to have inaccurate late payments removed on my credit report. On Friday XX/XX/2021, XXXX was notified from Experian that they did not accept the written documentation and is refusing to deleted the inaccurate late payments and update my credit report. This is documentation directly from the creditor stating that the late payments are to be deleted because they are reporting in error. XXXX  and XXXX  have already updated my report but Experian is still refusing to do so. I can not open a dispute due to my closing date happening in less than 1 month.
Product: Mortgage

I fell behind in payments due to my mother passing away, not only I lost her income since she was living with me. I Had to pay for the final services. This caused me a huge financial and emotional struggle. Now my business is doing much better and I am able to start making payments and I have applied for a loan modification but they refuse to open my file and review my loan due to sale being too close. sale date is XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$280.00} XXXX XXXX Balance {$10000.00} XXXX Balance : {$4200.00} DEPT OF XXXX XXXX XXXX {$1100.00} DEPT OF XXXX XXXX Balance {$4400.00} DEPT OF XXXX XXXX Balance {$5400.00} DEPT XXXX XXXX XXXX Balance {$5200.00} DEPT OF XXXX XXXX Balance {$3800.00} DEPT OF XXXX XXXX Balance {$1500.00} DEPT OF XXXX XXXX Balance {$3600.00} XXXX OF XXXX XXXX Balance {$4000.00} DEPT OF XXXX XXXX Balance {$8500.00} DEPT OF XXXX XXXX XXXX {$6100.00} DEPT OF XXXX XXXX Balance {$1900.00} DEPT OF XXXX XXXX Balance {$2300.00} DEPT XXXX XXXX XXXX Balance {$3500.00} DEPT OF XXXX XXXX Balance {$3000.00} DEPT OF XXXX XXXX Balance {$3400.00} DEPT OF XXXX XXXX Balance {$6800.00} XXXX OF XXXX XXXX Balance {$4200.00} DEPT OF XXXX XXXX Balance {$2400.00} DEPT OF XXXX XXXX XXXX {$3600.00} DEPT OF XXXX XXXX Balance {$2500.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

I called XXXX to ask why there is a collection of {$290.00}. I 've had an account with them for years and never owed them. I called to request XXXX service for television Only to be told after signing up that it is not offered in my area. I never received equipment. But I notice whenever I called on my telephone service I was ask by an electronic voice " Is it about my XXXX account? '' No because I could n't have a service that was not offered in my area. This is from year 2011.
Product: Credit reporting or other personal consumer reports

In efforts to maintain an honest an accurate credit report, TransUnion ask consumers to mail or dispute ( online ) any inaccuracies. After carefully reviewing my credit report, I discovered errors and decided to mail in a dispute about them to TransUnion. As requested, I provided my I.D . and a Utility Bill ( With my current address that I relocated to ) in attempt to remove the inaccuracies, instead, I receive a letter from TransUnion that was issued XX/XX/year> stating that I wasn't the one who sent the letter and accused me of hiring a credit repair company to do it, when it legitimately came from me!. I feel as if this credit bureau is trying to get out of the job of doing a thorough investigation to prove that the collections I requested them to investigate and remove are inaccurate which should be illegal. I confirm that I sent the letter and if TransUnion do not take the time and effort to properly investigate and remove any inaccuracies that I requested to be removed due to violation of the FCRA, I will be considering legal action.! Being denied assistance because of unverifiable accounts being on my credit report causes damage.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from Bank of America ( XXXX ) saying that I had opened a Savings account and Online banking account using my email address. I did not open these accounts with Bank of America. When I go onto their website and put " Forgot password '' and enter my social security number with the last digits on those accounts it says that there are active accounts that were set up with my social security number using a telephone number that does not belong to me. I have been unable to get into contact with Bank of America using their XXXX numbers as I do not have access to the full account numbers, just the last XXXX digits that were in the emails that were sent to my email address. I suspect fraud has occurred using my social security number and email address to set up these accounts with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Services c ontinues to report incorrect information about me to the  XXXX  credit bureaus which has been detrimental in me obtaining housing. The agency purchased 5 debts under my social security number which were all opened fraudulently. I have letters from the original creditors that they purchased the account from who did the investigation and found I was a victim of identity theft. I forwarded these lette rs to Portfolio but they  have still continued to state my accounts are in the legal department and refuse to contact the original creditor to verify the validity of my claim. The amounts are approx {$7000.00}, {$2200.00}, {$350.00}, {$1200.00} and {$2000.00}. This has been ongoing since  XXXX  of   XXXX  .
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
These inquire ( XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX, these inquiry are listed as all bank nonspecific, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX are listed as Credit Unions 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, and on XXXX, XXXX West XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all these  are listed as Automobile Dealers, I did not authorize any of these pulls on my credit and I would like to have them removed. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information Sincerely, Enclosures : I would like to see these items removed from my credit report inquiries since I did authorize any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, XXXX and TransUnion regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XXXX XXXX, XXXX, XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt I do not owe. They are claiming I owe {$180.00} for XXXX XXXX XXXX XXXX. I have asked them to validate the debt with a signed contract and they did not provide me with one. All the sent me was a bill from XXXX. Per XXXX  policies and individual can not have an insurance policy while having an unpaid past due balance. I am currently insured through XXXX! This is not my debt. I have written numerous times to the credit bureaus to remove this account and they say the company validated the debt. They will not send me any documents that they have that proves this is my debt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 US 1681 THIS UNATHORIZED ENTITY USED MY INFORMATION WITHOUT MY COSENT AND WISH TO HAVE INQUIRES REMOVED FROM MY CREDIT REPORT
Product: Checking or savings account

I opened an account with Independent financial because there was new promotion on it. however they immediately made my balance negative a XXXX XXXX for no reason. and wont unlock my account or even let me close my account and receive my money back.
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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name : 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 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.