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

The following accounts on my report are a manifest of fraud, and I'm requesting that they be removed from my report. The accounts are as following, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have requested physical documentation as stated in the FCRA and if no documentation is provide then the accounts should be removed.
Product: Credit reporting or other personal consumer reports

This is my second complaint regarding a fraudulent debt being reported and pursued by Ability Recovery Services , LLC ( ARS ) ( Complaint ID : XXXX ). This debt is the result of identity theft, and I am not responsible for it. 

I have taken the following steps to resolve this matter : XXXX. Provided ARS with my FTC Identity Theft Report ( Report Number : XXXX ) and supporting documentation proving that this debt is fraudulent. 
2. Sent a formal cease and desist letter, demanding the cessation of all collection activities and requesting proper debt validation, as required under the Fair Debt Collection Practices Act ( FDCPA ).

3. Notified ARS that the debt must be removed from my credit report because it is not valid.

Despite these efforts, ARS continues to pursue collection and has failed to provide adequate validation of this debt. Additionally, ARS has placed the debt in a disputed/cease and desist status but has not acknowledged the fraudulent nature of the account or taken the necessary steps to resolve the issue.

Details of the Debt : Debt Collector : Ability Recovery Services , LLC ( ARS ) Type of Debt : Medical debt Account Number : XXXX Supporting Documentation Attached : FTC Identity Theft Report ( Report Number : XXXX )
Product: Debt collection

The amount agreeded upon is {$390.00} more than what I agreeded to pay. I have not received a letter from them. I spoke briefly with a representative when we discussed the agreeded to amount. But now I feel like they are trying to extort more money that I didn't agree 2 pay.
Product: Credit reporting or other personal consumer reports

Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. 

XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX. Acct # XXXX ACCORDING to US Code XXXX note, this is a HIPAA VIOLATION XXXX No medical information shall be distributed for permissible purposes for the consumer without consent. I do NOT consent. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages, Kindly, DELETE the collection accounts above mentioned as soon as possible.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal for similar practices, were transaction settled for insufficient balances despite initially available funds. I believe this practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX  XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$60.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$2200.00}, {$6700.00} 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 Landing 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. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account.
Product: Mortgage

My payment I had last month XX/XX/2020 for {$520.00} did not post to my loan account. It came out of my XXXX account XX/XX/2020. Confirmation Number : XXXX. I contacted the mortgage service today XX/XX/2020 and told my payment was applied to principal. They said they would submit a request, but I wouldnt get confirmation when it was complete. They said the payment I made today XX/XX/2020 for {$520.00} would go to principal and Id have to contact them once it posted wrong. I submitted my payments online as normal NOT principal payments. When I call their XXXX # I can not get a human and shuffled in the automated system.
Product: Credit card

I have a delinquent account with lan Financial Services ending in : XXXX with an outstanding balance of {$2700.00}.
Product: Checking or savings account

On XX/XX/2023, an unauthorized {$3000.00} was removed from my Chase primary checking account. Apparently, someone had stolen my debit card information and linked it to a XXXX account, and then used it to process this unauthorized transaction. This unauthorized user also contacted Chase by phone to journal {$200.00} from a secondary account into the primary account to fully satisfy the {$3000.00} charge. 

After reporting the fraud to Chase, they disabled the debit card and issued a new one. However, they then denied my fraud claim, saying that I provided electronic authorization for this activity. I told them that this was not true. They refused to provide me with proof of their findings, and also refused to reopen or re-review the case until I could provide them with more evidence. I am unable to dispute their findings, because they have not provided me with any details. 

I also contacted XXXX to report that an unauthorized account had used my debit card to commit fraud. They agreed and terminated the account, but also opened and closed a case without providing any follow up. I have no idea of the results of their investigation because they have not contacted me or provided any documentation. They did not explain how my debit card was verified on this false account, nor did I see any verification deposits/withdrawals on my checking account that would have certainly flagged this fraud activity. 

At this time, I feel as though Chase and XXXX are giving me the run-around in hopes that I will give up and go away. I believe that all of their security measures have failed to protect my money. I also believe that it should be illegal for them to open and close fraud cases without providing the evidence of their findings in a formal letter or email. 

I have also filed a police report and am waiting for the formal report to be emailed to me from the XXXX, IL police department. 

I appreciate any assistance in holding these parties responsible for their security failures.
Product: Mortgage

The servicing of my mortgage was transferred to Shellpoint Mortgage. Since that time, I have received numerous statements changing the amount of my monthly payment. They sent me a refund from the escrow account and stated that they were not paying my property taxes. When I told them that the taxes and insurance were always included in my mortgage payment, they revised the monthly payment to include only the insurance. This servicing has been a chaotic mess. 

I requested the cancellation of the escrow account and was not informed that the request was denied in XXXX. On my third inquiry, I was informed that since they are a " new lender '' I would be required to have a 24 month payment history with them before the escrow account could be cancelled. I already have a SIX YEAR history with the previous servicer. I have no confidence that Shellpoint will handle my escrow account correctly and since my loan to value is approximately 50 %, I should have the right to cancel my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was notified that my info was breached in the XXXX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 
15 U.S.C 1681 and the FRCA act, everything must accurate and fair. 
The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the XXXX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. 
The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. 
This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. 
I will resort to making a thorough complaint also to the XXXX if these accounts are not deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or XXXX compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX  XXXX. I have requested information from XXXX  to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that XXXX  request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of XXXX XXXX XXXX, representing XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
XXXX  needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for XXXX XXXX XXXX XXXXt Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have XXXX  send these companies my request for documentation to prevent fraud on my report. I am sending this request through the CFB to track the response from XXXX  for these requests. If this information is not provided by XXXX  with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Student loan

Needing help on getting help pay for my loans. Like someone was impersonating. I am looking for work now and needing place to live XXXX XXXX XXXX XXXX XXXX not my apartment. I am Struggling trying to go to another college soon. But needing help thinking wrong person lieing on me. Get foodstamps.Had bankruptcy before. 
They playing around email. My babydaddy XXXX XXXX have this apartment and he work at XXXX XXXX   XXXX XXXX up street where we stay. He try to be funny his Sister XXXX XXXX get XXXX  get checks trying to be somebody following makeing hard to succeed in College it hard get help. Get foodstamps now for kids and ripe with XXXX XXXX XXXX trying to hurt me. Thinking Sister yelling out on emails I get. Put in for Truck driving job because I am ripe with XXXX for my kids and XXXX   XXXX got check out at hospital here in XXXX XXXX. They tried to move money on emails far. XXXX XXXX XXXX XXXX XXXX No XXXX No XXXX other races in me. Stop harrassment and bad treatment I get public financial assistance. Need income driven payment assistance. Get online billing Statement XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 USC 1681 b A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law 15 USC 1681A Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX  Charge off Account number XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX of late payments Account Number XXXX XXXX XXXX  Removal of late payments Account number XXXX XXXX XXXX XXXX Removal of late payments Account number XXXX XXXX XXXX Removal of late payment XXXX XXXX XXXX Closed account Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the company ( XXXX ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on  time. Back in XX/XX/XXXX and XX/XX/XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. Disabled IT Technical Represenative need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?
Product: Credit reporting or other personal consumer reports

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX  XXXX  account [ XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"