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

Subject : Dispute of Account # XXXX Request for XXXX Form and Removal from Credit File Dear Sir/Madam, I am writing to formally dispute the current balance on my credit bureau files ( Account Number : XXXX ) with Launch Servicing LLC. As stated in my credit file, the account in question originated from an education loan, dated XX/XX/year>, for the original amount of {$9500.00}. However, I have noticed that the balance on the account has been charged off up to {$23000.00}, which I find unclear and unjustified. 
In accordance with 26 U.S. Code 6050P, I am requesting that you issue a 1099-C form for this account. This section of the U.S. Code mandates that a creditor must issue a 1099-C for any debt that has been canceled or discharged in an amount of {$600.00} or more. I understand that this account may have been charged off as a loss, and I would appreciate the timely issuance of this form for tax reporting purposes.

Furthermore, I believe this account may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2. According to the FCRA, a debt that has been discharged, written off, or charged off should no longer appear on the credit file, as it misrepresents the actual status of the debt. Since this account is charged off and written off by your company, I am requesting that it be promptly removed from all three ( 3 ) of my credit reporting files to correct any inaccuracies. 
I expect the immediate removal of this account from all three ( 3 ) of my credit reporting files to comply with the Fair Credit Reporting Act. I kindly request your prompt attention to this matter and expect a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

Hi this is less of a complaint and more of a verification request. Is www.ChexSystems.com a real and legitimate company? I was about to register for an account, when I saw all of the in-depth questions they required just to open an account. That prompted me to use their password reset function, to see if I already had an account. When I use my personal e-mail in the password reset, it pulls up a number and e-mail I do not recognize. The website takes me from www.chexsystems.com to a XXXX XXXX 

This led me down a rabbit hole, and now I'm not sure www.ChexSystems.com is legit. You can make up any e-mail address and it will return a # and email to trigger a password reset. I'd like to register to check for any rouge bank accounts, but this website/business looks very sketchy. 

XXXX XXXX XXXX XXXX XXXX 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

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2021 2. Capital One XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 11 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and noticed several inquries that are wrong and many I never did or recognize MOST ARE AUTO Companies i never applied for XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

Hello I have a loan and pay to navient. Just recently I looked over a payment and noticed that when they received the loan from where it was I owed XXXX it was the principle payment owed. I have that on a receipt of payment I received last XX/XX/XXXX. I trusted this company thinking they would help. I now notice that my balance is XXXX. When calling them and asking them about the issue they told me that when I put it in forbourance from XX/XX/XXXX to XX/XX/XXXX that the interested from the old company was added. I don't believe this is right. I can't even look up and see where it came from and why it didn't come right away with the loan. Also told me while it was in forbearance it was collecting interest and they never told me that. I was told since I was trying to get into school it would be the best idea. I pay my payments on time. Ikm trying to get out of this debt and fix my credit. People think it isn't alot of money owed when I ask for help but to me it is and if they are XXXX me over I need help. When looking into it I found that they have been dishonest and have lawsuits out. Please help me I don't no how else to fight it. The person on the phone was giving me wrong information she didn't even no what she was talking about. I received this loan in XX/XX/XXXX so I no it could have collected interest but they can't tell me anything all they kee0 saying is loom online. I am trying to dispute it because I believe they are frauding me. I look forward to hearing from you and hope you can help. 
Thank you XXXX
Product: Bank account or service

Hi, In XXXX XXXX, I opened Wells Fargo Bank Account along with Wells Fargo SEP-IRA Account. They offered XXXX free trades per year if we maintained a balance of XXXX or more each year. They called it PMA Package. Not all accounts get this benefit, only PMA linked accounts get this benefit. Everything was going well until 2 months ago. Around XXXX XXXX, I received a letter saying my brokerage was not linked to the PMA Package anymore and if I do not take action in the next 30 days, I will be losing the privileges associated to PMA Package. I called the Wells Fargo Customer Service. I was transferred to XXXX different teams, from customer service to premier banking team to Online banking team to PMA team. All XXXX teams told that everything looked good and they were not sure why I received that letter. One person said my account was dormant and that could be the reason why I received this letter. She re-activated my account and said, I am good for now. On XXXX XXXX, I received another letter saying I lost my PMA privilege and my account was converted to an Everyday Account. 
I called Wells Fargo again and they said there is nothing they could do. PMA Privilege is a grand-fathered account and they can not assign us to that account anymore. I asked them, that I called a month ago and talked to XXXX different people. He also admitted that they had notes that I called in XXXX XXXX but he says, he wasnt sure why the issue was not addressed and there is nothing he could do now. 
He said my account was delinked to PMA Package. I asked him, what went different, why did it work for the last 6 years and what happened suddenly and he says, he does not have visibility into that. 
I usually use the XXXX free trades, which translates to about {$900.00} worth of benefit me every year. I hold high IRA balances with them I feel that they are conducting a fraudulent practice. They send a letter that they are deactivating our PMA package if no action is taken, we call them duly on time and they say everything is looking good and we received the letter by accident and a month later, they really take away our privileges
Product: Credit reporting, credit repair services, or other personal consumer reports

Old closed accounts still show on credit report, and are hindering my credit, even though they have been paid in full and accounts have been closed for over 2 years.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, XXXX, XXXX XXXX, Discover, among others. 

I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. 

According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. 

Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. 

To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. 

Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. 

Thank you for considering my request. I look forward to a favorable resolution of this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

The Servicing company monthly statement dated XXXX/XXXX/2021 invoiced me for a " Total Amount Due '' of {$1800.00} ; the " Explanation of Amount Due '' itemized the payment as follows : Principal : {$1100.00} ; Interest : {$5.00} ; Escrow : {$680.00} totaling the amount due of {$1800.00}. The amount ( {$1800.00} ) was paid on XX/XX//2021. The principal portion represented the final remaining unpaid principal balance of the loan thereby satisfying the mortgage. Loancare, Servicer, collected the funds and placed them in an account they called " Unapplied Account '' and proceeded to deem the loan as past due.They commenced collection activities and actually sent several certified mail to my home deeming the loan as " Past Due '' and also reported the delinquent status to Credit Reporting Agencies. I have just received a Disbursement Notice from them stating they paid the quarterly taxes which will become due on XX/XX/XXXX, 2021. have sent four messages to their website and no action ; Clearly, the company is another Hustler in the mortgage business relying on computers to do the servicing. I am seeking my satisfaction piece and the return of my original documents. Humans are unreachable at this company. 
ATTACHED PLEASE SEE THE XX/XX/2021 STATEMENT/INVOICE AND THE TAX DISBURSEMENT PAYMENT NOTICE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, Equifax Breach and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXXXX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX5 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 an account without my written instructions.
Product: Credit card

On XX/XX/year> XXXX EST, I enrolled in Ally Financial hardship program which reduced my monthly payments to {$10.00}, and my APR to 6 % as well as closed my account. 

On the same day, after enrollment in their hardship program, I made my first payment of {$10.00}. I was only 28 days past due at the time, and the payment made should have registered my account current. 

But instead, Ally Financial incorrectly reported me 30 Days late to the Credit Reporting agencies ; XXXX, XXXX, and XXXX and my credit reports are reflecting this delinquency, which is overall lowering my credit score and payment history and damaging my credit reporting overall.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

In XX/XX/2020, I discovered that multiple credit card accounts were opened in my name without my knowing or authorization. upon further investigation it was obvious that I had become a victim of identity theft. Also, some years ago someone broke into my vehicle stealing a bag that contained personal documentation including birth certificate, social security card, state ID, existing credit cards and a cell phone. This information was then used to obtain new credit and resulted in the accumulation of fraud charges. I discovered that these accounts were opened in my name and want to take actions to removed these fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX DSNB MACYS  XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures
Product: Checking or savings account

On multiple occasions, I would have a certain amount of money in my account, I would then make a purchase, that purchase would be delayed for some reason. I would then make another purchase and out of no where I have a overdraft fee to pay.
Product: Debt collection

I am XXXX years old and in poor health. I have been disputing a hospital bill for two years and this company called me several times to collect. All along they were nice but this one gentleman was badgering me, asking why I cant use my Social Security to pay it, and making me come up with money I dont have. He wanted me to set up payments but I am on a strict budget. He was very rude and would not let me speak and when I tried to speak he told me I was not cooperating. He was rude and condescending, and insinuated that because I had Social Security coming in I must be able to afford it. This episode made me extremely ill and he did not even care. He even told me to go borrow the money from someone.
Product: Checking or savings account

ACH Withdrawal : {$1800.00} on XX/XX/XXXX, BY XXXX XXXX  My business found a suspicious unauthorized traction earlier late last month ( XX/XX/XXXX ), and tried to resolve the issue with my bank, COMMERCE BANK. I first called the bank to inform that the account was debited {$1800.00} on XX/XX/XXXX, and it's an unauthorized traction. It said it's XXXX XXXX which took the money from the account. We haven't got any loans from XXXX or whatsoever organizations, and we don't owe them anything. I literally have no idea how you got our bank information and charged us {$1800.00} thru ACH which needs our routing and account number. 

The bank keeps saying that there's nothing they can do or dispute the transaction since it's already been over 24 hours, and telling us that we have to resolve the issue outside banking channel. 

I tried to contact all the numbers that I got from Commerce bank and there was literally nothing I can do to resolve the problem.