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

My name is XXXX XXXX I have been an amex serve customer for over 5 years I am writing to you because I am hoping you can help me on XXXX XXXX I reload my card with {$1900.00} at my XXXX store in my town 2 days later I go to withdraw money for gas and my card is declined I look on my serve account app and my balance is {$0.00} I look at my transactions and I had over 20 debited transactions that I did not make I immediately contact Amex serve and start disputing all the charges and I have them send me a new card I was told by the representative that it would take 10-45 days for the investigation to be done the next couple of days I spent everyday calling Amex serve I sent them all the forms that needed to be filled out everyday that I called I kept being told on the tenth day which is today XXXX XXXX I would get an email with there decision I get the email today which says they will not be crediting my account because the transactions were authorized which makes no sense I didnt make those transactions I am a XXXX in XXXX XXXX XXXX XXXX I work hard for my money I am just asking for some justice I also filed a police report I really hope you or someone can look into this and help me my phone number is XXXX and my email address is XXXX. I have all the documentation saved and I can send to you I appreciate you taking the time reading this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting a fraudulent account on my credit report. I didnt open this account nor did I authorize anyone to do so on my behalf. Upon contacting XXXX, I was informed that a 1099 was issued in this account, and yet they couldnt provide any other information. Please see the attached FTC report and remove this account from all 3 major credit bureaus! 


Frontline AssetXXXX XXXX promised to remove the collection from my credit upon payment. The representative I spoke to informed me that they would be able to delete the account from the credit and failed to inform me that the process may take 90 days. I scheduled my closing accordingly, and now after the payment was made they are telling me that the process can not be expedite and that they dont know when they will send a deletion request. PLEASE DELETE FRONTLINE ASSET FROM MY CREDIT AS PROMISED!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a response to Experian 's response to my original complaint. Complaint ID : XXXX Experian stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the XXXX XXXX ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, Experian is no longer showing a balance on the XXXX XXXX account and I have n't even made a payment towards XXXX XXXX. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to medical bills that I had in collections ( since removed ) I applied with XXXXXX/XX/XXXX XXXX. and XXXX XXXX XX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial institution XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX. They repossessed my truck and once I made it aware that I had a payment ready to pay before they left with my vehicle I was told no. Immediately after my vehicle was repossessed I went to the location that they requested to pay the repossession check to get my truck out of the lot. Once I paid $ XXXX {$2000.00} to get my truck back out they put all the money towards the payment of the truck and then put {$500.00} repossession costs on my account. I called multiple times to get them and try to switch it because thats not how I asked for my money to be split up. They hung up on me. Harassed me did everything other than tried to help me. Ive requested lower payments on my vehicle because they are charging me the highest interest rate in the state of Ohio and I continue to not hear anything back. This company is very unprofessional and will do anything but try to help you. I had no choice but to go with this company because it was my first vehicle and I was just starting out with my business. I would like to file a complaint against this companyFor how rude and nasty they are with their customers.They have payment information wrong on my credit report and I constantly keep trying to file a dispute and they keep sending back XXXX wrong information. They are making it hard for me to get my credit back up so I can get another vehicle in the future///// last message New message : This company has incorrect information on my credit that is majorly effecting my credit. The facts regarding the repossessed vehicle is completely wrong. I had XXXX-XXXX in fees from the repo and when I went to go pay the money to get my vehicle out and pay the fees ( in order to get vehicle out fees have to be paid ) and then they throw all that money towards my balance of my vehicle and they tack on the extra fees on my account for when I go to make a payment over XXXX they take the remaining and put it towards the fines that were already paid. They are saying my account is 90 days late with the credit Bureaus and it is majorly affecting my credit. The Repossession facts are wrong. My vehicle was not repod the dates they are saying. My vehicle was only 30 days passed so before they sent someone in the bright early in the morning to tow my vehicle away even when I had the money on site to Give. I would like this company to update all the correct information with the 3 credit Bureaus or remove anything negative off my report. I will be filing with all bureaus.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX XXXX # XXXX XX/XX/XXXX -- / -- XX/XX/XXXX {$7800.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
If you do n't 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 I 'm 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. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and concern regarding the persistent failure to remove charge off accounts and fraudulent items from my credit report. Despite my previous attempts to resolve this issue, these fraudulent items remain on my credit report, continuing to cause significant harm to my creditworthiness and financial stability. I have diligently followed all necessary procedures, including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. Despite these efforts, the agencies have not taken the required action to investigate and remove the fraudulent items from my credit report. 

I am requesting that you urgently intervene in this matter to ensure that the credit reporting agencies take immediate action to : Thoroughly investigate the disputed fraudulent items on my credit report. 
Promptly remove any items found to be fraudulent or unverifiable. 
Provide me with a corrected copy of my credit report. 
Additionally, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assistance to remove the charge off accounts and fraudulent items : XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$44.00}.
Product: Student loan

I have applied for the Public Service Loan Forgiveness program with regard to my student loan. In XX/XX/XXXX I called to check on the status. They said that I was paid ahead and that I was not eligible. They did fix this. They then proceeded to tell me that within 90 days, I would be able to see the status of my qualifying payments that are applied to the PSLF program ( to have your loan forgiven there are stipulations, along with 120 payments ). After 80 days I called, they told me it hadn't been 90. After over 100 days I called, they still didn't have the information, I called again recently and they still didn't have the information. Its been over 200 days since the initial inquiry. Before XXXX took the loan over from XXXX, I had applied for PSLF ... all in all, its probably been over a year since anything has been reported to me. Recently I sent in my recertification of employment, however, this is not required to be done ... just a good idea. In the end, I would like to know how many of my loan payments have qualified me since I have been making payments for almost 10 years now. I don't suspect I have made 120 qualifying payments quite yet, however, I know its far greater than 0, as it indicates.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all the listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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

In accordance with the Fair Reprting Credit Act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX. XXXX XXXX, XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX. XXXX Account XXXX account # XXXX, XXXX XXXX XXXX. XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602. A. I have a 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 instructions.
Product: Debt collection

WAKEFIELD is claiming that I owe them {$1600.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

I disputed XXXX amounts on my chime account that happened from XX/XX/XXXX & XX/XX/XXXX. 
I lost my phone at a bar on the XXXX early in the morning hours because I was at a bar for my birthday. Someone was able to use my banking app and XXXX XXXX  to make these transactions. I did not become aware until the XXXX because I had gotten a new phone XXXX days later and never noticed any of the charges. I did not have the CHIME app on my phone yet. I could not log into the application due to not remembering my password. I disputed this on XX/XX/XXXX and my claim was denied a day later with no further information. The entire claim was XXXX
Product: Debt collection

I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing regarding the cancellation of the debt associated with my account, which I believe was discharged or forgiven by your company. As required under 26 U.S. Code 1099-C, I would appreciate your assistance in providing the necessary documentation related to this cancellation for tax reporting purposes.

Specifically, under IRC 108, canceled debt may be considered taxable income, and I need to understand the full
details of the discharge, including the amount forgiven and any conditions attached. I understand that under IRS Form 1099-C, creditors must report the cancellation of debt of {$600.00} or more to the Internal Revenue Service ( IRS ) and to the debtor.

To ensure proper reporting, could you kindly provide the following : A copy of the Form 1099-C issued for this cancellation.

A statement outlining the amount of debt forgiven and any applicable interest or charges. 
A description of any other terms or conditions related to the cancellation of this debt. 
Confirmation of the date the debt was officially canceled. 
Please provide the requested documents at your earliest convenience. If you need any additional information from my end to process this request, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2021, I ordered a XXXX XXXX  ( # XXXX ) and used an Affirm loan ( XXXX ) to pay for it. Prior to shipment, I cancelled the order. XXXX XXXX  attempted to deliver the item, and I refused delivery. On XX/XX/XXXX, I wrote an email to Affirm explaining the order was cancelled and requested they terminate the loan. Affirm keeps billing me, and threatening to take adverse action against my credit for the unpaid loan. In XXXX, XXXX XXXX  issued a partial payment, leaving balance of {$99.00} for the delivery charge. I again disputed this because the order was cancelled well before the delivery. I do not have proof of the cancellation because the transaction occurred over the telephone. Meanwhile, Affirm continues to bill me {$200.00} ( as of XX/XX/2021 ) on a bill I do not believe I owe.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of the debt referenced in your communications under the Fair Debt Collection Practices Act ( FDCPA ). I hereby assert my rights under 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ) to challenge and request verification of the alleged debt and to direct your firm to cease any further communication with me until proper validation is provided Pursuant to 15 U.S. Code 1692 ( g ), I request that you provide me with written verification of the alleged debt, including but not limited to 1. The original creditors name and address.

2. The full amount of the alleged debt, including a breakdown of any fees, interest, or other charges.

3. A copy of any agreement bearing my signature, which you assert gives rise to the debt. 
4. Documentation demonstrating that XXXX XXXX XXXX has the legal right to collect this debt Additionally, under 15 U.S. Code 1692 ( c ), I demand that you cease all communication with me regarding this matter unless it is to provide the requested validation information. Any further communication outside of this request may be considered harassment and a violation of federal law Please treat this letter as my formal dispute of the debt and a request to remove any erroneous or unverified information from my credit report. I expect a written response from your office within 30 days of receipt of this letter, as is my right under the FDCPA Furthermore, if this debt is found to be inaccurate or unverifiable, I insist on its immediate removal from my credit history and that you inform all relevant credit reporting agencies of this correction I trust that XXXX XXXX XXXX will adhere to the legal obligations set forth by the FDCPA to ensure all consumers are treated fairly and respectfully Thank you for your prompt attention to this matter
Product: Credit reporting or other personal consumer reports

cbna acccount on experian needs to be revised and deleted as it has on other report asap XXXX
Product: Credit reporting

On XXXX XXXX I have contacted Experian about several fraudulent accounts being reported on my consumer report Experian failed to block the accounts despite my police report and fraud victim identity theft affidavit. A list of the fraudulent account Experian failed to block is mentioned below, 1 ) XXXX Mortgage 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX
Product: Debt collection

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. commonwealth NEEDS to remove ALL accounts on my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
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 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX