23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

**FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear Experian XXXX XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  any make sure mything is XXXX not spoil was XXXX the original creditor, only I can validate this debt. I do not validate debt Wi paymen XXXX my XXXX pay old hitory i oil Cont i ca. i reso ad noted status to paid as agreed on my credit report Incorrect Name - XXXX XXXX - This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT.

in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
# # # Legal Basis for Dispute and Unyielding Demands : **1. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed **2. Verification Documentation : ** Should you dispute my claims, I demand you provide verifiable documentation to substantiate the accuracy of the reported information.

**3. Permissible Use Inquiry : ** A thorough review of the permissible use of my consumer report must be conducted. Any unverifiable accounts must be swiftly removed. 
Your prompt compliance with these demands will not only adhere to federal regulations but also restore my trust. However, any delays will compel me to escalate this matter to the relevant authorities. 
I expect to hear back from your office within 30 days of receipt of this letter to confirm that the inaccuracies have been rectified. 
Thank you for your immediate attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/year>, a call was received from someone claiming to work at XXXX XXXX. The person asked whether or not I made a purchase at the store. The call verified it was me. I said I did not make this purchase. Later that day, a purchase of an XXXX with XXXX XXXX was made and the money was deducted from my Chase XXXX Checking Account. 

I filed a claim with Chase Bank that week. I was bounced around for weeks. Finally, I was allowed to request paperwork supporting this fraudulent charge and learned that the person bought it on line and picked it up at a local XXXX XXXX. 

There is no proof that XXXX checked for ID when the package was picked up. Chase Bank fraud denied the claim, on the grounds that they found XXXX XXXX 's response to be sufficient. However, the response said they confirmed the consumer via email verification, nothing that I have received. Chase bank fraud was unhelpful and told me to try resources outside the bank because they can't help me.
Product: Debt collection

I was prescribed a XXXX machine by XXXX XXXX in late XXXX to address XXXX XXXX. After making dietary changes, my doctor and I determined the XXXX machine was no longer needed and could be returned. During the XXXX period I had the XXXX  device, I received and paid several bills thru my bill-pay service. I returned the device to XXXX on or around XX/XX/XXXX. I received additional bills in XXXX and XXXX of XXXX, and promptly paid those. I have evidence of payment ( screenshots of the billpay history ). I received untimely additional bills from XXXX for the XXXX machine in XXXX and XXXX of XXXX, which I also paid. I also contacted XXXX to question why I was receiving these bills so late, and they explained this was due to billing issues, and they stated verbally that these were the last bills and we agreed on a final payment amount. Then, in XX/XX/XXXX I received an additional bill for {$76.00} from XXXX after the matter was settled. I refused to pay this, and XXXX sent the bill to a collections agency, which researched this and sent me a letter stating the matter was closed. Beginning in XX/XX/XXXX I began receiving payment demands from ARStrat, and I responded in writing that the matter was closed, but they continue to pursue collection.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing mistakes. These late payments don't align with my usual payment history.
Product: Student loan

On XX/XX/XXXX i was served bank garnishment papers on collecting a XXXX balance on a private student loan. Back in XX/XX/XXXX and XX/XX/XXXX I reached out to my credit report bureau and was told they couldn't locate the debt or find any contact information for the original lender. I then found an artical that XXXX XXXX XXXX XXXX trust was being sued and while under investigation they aren't legally allowed to collect on any of the accounts due to lack of records. I was told by the credit bureau XXXX that it would be removed and was after they completed there investigation.
Product: Student loan

I claimed bankruptcy and did n't pay the loan for a year. The loan was consolidated twice and paying since XXXX. I pay every month {$300.00}. ( washich is can How can I still owe {$39000.00} and still have 135 months to pay. It is supposed to be a 20 year loan. 
This makes no sense. 
Why is this?
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed in a dispute in regards to the incorrect items on my credit report. It has been well over 45 days now and I have not received any investigation results. 

Today XX/XX/2020 make it 60 days now that I have filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report. Experian refuses to provide all documents used to verify any thing on my consumer reports.
Product: Money transfer, virtual currency, or money service

I have concerns about Zelle processes for disputes.Since the CFPB brought up huge issues with the platform, my institution has not investigated and Zelle did not investigate either. The findings of the CFPB shows that Zelle failed on multiple occasions to cover consumers from being exploited and open to scams.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 : 30-day state of emergency, executive orders issued Maryland Gov XXXX XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified XXXX XXXX XXXX and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
XXXX XXXX XXXX is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my account in regards to this collection that doesn't belong to me. i want to see a signed contract with my name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I attempted to open a bank account in Texas through XXXX Bank Online, I was denied the ability to do so and informed my credit has been frozen through Experian. I attempted to utilize XXXX  online form to lift the credit freeze and again was denied the ability to do so and then given mailing instructions. I followed these instructions verbatim and have not been contacted to resolve this situation. 
I also went through the same procedures with both XXXX as well as XXXX. 
In the case of XXXX, I was able to resolve the matter over the telephone, the agent informed me that these credit freezes were placed back in XXXX, which I could not understand because since the beginning of XXXX I have opened multiple accounts through a number of different financial institutions in different states within the U.S. 
In the case of XXXX, I attempted to fill out the online form which required a mobile phone number which I do not have and because of this the agent instructed me to mail two copies of ID and a cover letter with my request to lift my freeze and explained that I would hear from them in less than 10 business days, of which never occurred. 

For all documentation mailed, I payed for certified mail back in XXXX and still hold the tracking information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to pay my complete balance off at the kays store and i thought i paid everything off as what the company told me and at the same time i had just moved so by the time i got everything in order with my mail i recieved a collection for the amount of {$40.00} at that point i contacted kays and i spoke with them about removing the bad status remarks on my account if i paid off the balance with them they agreed and told me i just had to make a payment and that i wont have nothing effecting my score or my payment history and they have yet to fix they finally removed that i have a balance with them but they didnt removed some remarks and my payment history and its affecting my score.
Product: Money transfer, virtual currency, or money service

Coinbase One offers a premium subscription service for $ XXXX month tailored to elevate my cryptocurrency trading experience. 
With XXXX fees ( capped at {$10000.00} / month ), priority support and enhanced account protection. I paid for this service in XXXX, XXXX and XXXX, however : - on XX/XX/XXXX my transaction to send XXXX to my wallet at a different location was delayed 3 days for no good reason, - on XX/XX/XXXX, my bank account was charged {$190.00} to purchase XXXX  that Coinbase decided that I may like to have, - on XX/XX/XXXX, and XX/XX/XXXX, I called customer service for help with the above issues, but my account was immediately locked for 3 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, MA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Debt collection

A company, caller ID and the representative I spoke to says Comenity Bank, continues to try and call my phone number. They are reportedly looking for someone else, I have told them several times that I am not who they are looking for but since I got this new number they have called 15-20 times a day on several different numbers including blocked numbers. I have blocked several of their numbers after telling them the person theyre looking for no longer has this number and they continue to call. Anywhere from XXXX until XXXX. Today alone I have 15 missed calls from them. I am sick of having to tell them over and over to stop calling because I am not who theyre looking for.
Product: Debt collection

I am a 29 year service member who have given years to this country and is being treated horribly by my own organization. I had an account with the Army and Air Force Exchange Service since XXXX and was in good standing until I had an emergency health crisis in XXXX. I had an account balance of {$4400.00} ( XXXX ) with a credit limit of {$7400.00} which I paid regularly. When I had my emergency XXXX XXXX I hired a organization to handle my financial situation since I wasn't able to and unfortunately they didn't keep their policy, took my money, I lost my home and they filed numerous bankruptcies illegally. After I regained my health I became aware of the financial situation the organization put me in and started reaching out to my creditors. None of them including Military Star would not talk to me because of my " bankruptcy status ''. Thankfully the US trustee became involved and took my case to court and won. I tried to reach out and explain several times to Military Star that I wanted to resume payments on my account and they refused to accept my payment due to the bankruptcy situation even though I explained my identity was compromised and those were not legal bankruptcies. I have been charged interest for years without them being willing to take monthly payments from me even to this every month for a situation I didn't cause. My total has risen to {$6900.00} almost {$3000.00} in fees. How is my account in collections but I'm still being charged interest years later? Even before the account was put into collections they would not let me resume monthly payments. It is reported on my credit report that I made a payment in ( yet it isn't reported in the payment block, so many deceptive practices ) XXXX I haven't made one payment since XXXX. When I request to make payment or request documents showing they can charge interest on a collection the representatives were rude, refused to work with me and threatened me ( told me they are the government ). I have never been treated so badly by a business. I have a block on my SSN and can not use the Post Exchange that is supposed to be for me. Now they are also taking my tax returns this is totally ruining my chances of getting a place to live as I am now homeless. Because this is on my credit I can't even get a place to live. I will be filing a complaint with the XXXX XXXX XXXX and whoever else I need to because Noone especially a service member should be treated this way. I am discomposed and disillusioned by XXXX XXXX and XXXX because it is supposed to be supporting the service members and their families.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a description of the procedure used to determine the accuracy and completeness of specific information on my credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). 

This document was mail for Equifax. See attachment
Product: Vehicle loan or lease

My leased car matured XXXX 2019 and returned the lease document and purchased the same vehicle. 
The Infiniti financial office in XXXX office said the headquarter will send me the lease deposit to my home but never did. 
They were even supposed to pay off my last lease payment but ended up paying the last bill after 2.5 months and my credit score went down by XXXX points too.l I spent countless times getting hold of the rep in the company and tried to get my money back. They always said either they were working on it or sent to my home.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXXXXXX XXXX - XXXX
Product: Debt collection

Narrative of events : I have 2 Amex cards that I acknowledge that are past due. On both cards i cancelled autopay as not able to make the monthly payment. According to Amex, I only suspended the autopay which is not the case. On Both accounts, the " suspended '' autopay trigger causing me server finical hardship. The first account Amex originally told me they could reverse the paid via ach in 48hours. I also followed up with my bank to file a fraud claim for an authorized payment. I call back the next day ensure that it was going to be returned only to find out that their only option was to refund the money via a check. After talking to a supervisor, i was told that it was possible to send it via check and that they could overnight it. However, my credit union was able to reverse the ach making this a moot point, On the second account my experience was far worse. 
XXXX XXXX XXXXXXXX refused to refund the unauthorized paid on the second account. This rep mudder something in XXXX, i asked for a supervisor and refused a call back. I believe this to be profanity but am not 100 % sure. 
XXXX id XXXX also refused to process the refund stating that it was not possible. Suggested that i contact my bank to have them file an ach claim. 
XXXX : id unknown. Supervisor in late-stage collections : refused to help and insisited on having a collections conversation after being told that they i wasn't interested in having that conversation multiple times. This could be considered harassment This falls under XXXX for the following reasons : Unfair : Failing to unenroll a person from autopay and only suspending autopay, then refusing to refund the money as the cardholder was unaware. This causes direct finical harm to the cardholder. Refunding the money on 1 account and not the other account is also unfair treatment Deceptive : By not unenrolling customer in from autopay is deceptive and failing to notify the cardholder that a payment is going to process especially if the cardholder is unaware. 
Telling the cardholder that they can then they refused. 
Abusive acts and Practices : The collections rep who contiuned to push the conversation to in a collections attempt after being told that i was not interested in having that conversation is considered to be harassment which is an abusive act. 
Not cancelling autopay when it was selected to cancel the autopay and only suspending it for a few months is also abusive. 
Refusing to refund the money that was taken out,
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA continues to furnish inquiry on credit file. During the time of inquiry, I was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I made a payment for XXXX house on XX/XX/XXXX for XXXX by ph done right. Decided to go online on select portfolio servicing website I marked boxes to pay XXXX XXXX escrow which found out has been applied but then I also marked box to pay late fees XXXX XX/XX/XXXX they have not applied my money to late fees at all said I'm not due till XX/XX/XXXX but I'm due XX/XX/XXXX ai have called multiple times only be told short handed and being worked with their cash payment I called 4 times I believe and also spoke with a supervisor and nothing has been done have been keep calling back they have admitted that was correct on my end what I did but their end applied it wrong I can't get them to apply my payment exact amt to the late fees I have told them I want amt I paid applied correctly please help been almost a month they keep saying in the works have call back which I have