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

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

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 XXXX Consumer Assistance XXXX XXXX XXXX- XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 
XXXX XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report 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 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 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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act - Section 15 U.S.C. 1681b Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report, as authorized by the Fair Credit Reporting Act ( FCRA ) under Section 15 U.S.C. 1681b. After thoroughly reviewing my credit report, obtained from your agency, I have identified certain discrepancies that require immediate attention and correction. 

Please find below the details of the disputed information : Explanation of Dispute : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal prosecutor consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions to the accounts listed IMMEDIATELY! 

Furthermore, I am enclosing copies of relevant supporting documents, including but not limited to receipts, statements, or other evidence that substantiate my claim. I kindly request that you investigate this matter promptly, as the incorrect information on my credit report negatively impacts my creditworthiness and financial well-being. 

According to the FCRA, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice. I expect you to contact the creditor in question and verify the inaccuracies as part of your investigation. Once complete, I request that you provide me with a written response detailing the results of your investigation, including any changes or updates made to my credit report as a result. 

In accordance with the FCRA, I also request that you inform all parties who received my credit report within the past six months of the dispute and provide them with the corrected information. 

I appreciate your attention to this matter and your compliance with the FCRA. Please consider this letter as an official notice and be aware that I will not hesitate to take further legal action if my rights under the statute are not properly upheld. 

I look forward to your prompt resolution of this dispute and the subsequent correction of my credit report. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I tried to tell them that the amount was paid for through my insurance company already. I also told them that they can't legally try and collect that money because of my insurance had paid for it and I have Medicare and medicaid. They also have been texting me to try to collect a debt that I don't owe. They also don't have my right address.
Product: Debt collection

On XXXX XXXX 2016 and XXXX XXXX 2016 I sent a certified debt validation letter to Credit Collection Services. They did not respond to either letter and have now violated Federal Law under the Fair Debt Collection Practices Act.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX, This loan was taken out as a 0 % interested for a XXXX XXXX XXXXl. We met the requirements, paying off the loan in time. The firm in question will not close the account. Calls to customer service get placed on hold, transferred to inept people who hang up. Or just disconnect. Their misleading website provides no means to close the account. Emails to their customer support results in a reference number sent back but no follow up actions. This account remains as open and active on my credit although we've not used it and have had a XXXX balance since 2019! 

I believe this firm acts in bad faith, avoid responding to customer inquiries and requests, and would submit that they should be banned from doing business. 

This is marketed as TD Retail / XXXX XXXXXXXX XXXX.
Product: Credit card or prepaid card

on XX/XX/XXXX i plced an order for 8 egg rolls from XXXX XXXX  the rotal was XXXX dollars they charged me XXXX i contacted the merchant and then charged me XXXX additional dollars for what rhey claim was an error fro XX/XX/2022 for an XXXX XXXX  i no nothing about nor was i even made aware of i want these charges refunded back.
Product: Credit reporting or other personal consumer reports

disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I am writing to demand the immediate deletion of several fraudulent accounts from my credit report. Despite repeated attempts to rectify this matter, these fraudulent entries persist, which is entirely unacceptable XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This business is harassing me for a debt I do not owe. I have contacted the original creditor listed and they confirm I have no balance. They have no record of sending my account to this collection agency. As of XX/XX/XXXX, the agency has reported delinquency which shows on my credit report. Again, I have no outstanding balance, was not sent to collection, and my credit shows a delinquency from the collection agency. I want the delinquency removed and the agency to leave me alone. As I have never had any contact by mail or phone with this company. I have attempted to contacted them and have file this complaint to assist me with this matter.
Product: Payday loan, title loan, or personal loan

Chase Auto Finance/JP Morgan Chase Bank : My Car was repossessed on XX/XX/XXXX. The total amount due on the loan was {$1700.00}. Once the car was repossessed the total was now {$2400.00}. A payment of {$700.00} had cleared by my bank being XXXX XXXX XXXX by XX/XX/XXXX. On Monday XX/XX/XXXX, I spoke with XXXX XXXX of the repossession department, when he told me the total amount that I owed and that it needed to be paid by XX/XX/XXXX. I made another payment on XXXX of {$750.00} and on XXXX a payment of {$300.00}. I made a final cash payment on XX/XX/XXXX for {$700.00}. Once I made the payment I called to find out how and when I could get my car back. I found out that someone from Chase released my car to the auto auction on XX/XX/XXXX. I was given another phone number. I called that phone number, and they told me they needed to speak with the Chase Bank banch manager to confirm the total due on the account had been paid. I walked back into the Chase Bank branch, when the branch manager invited me into her office. The branch manager called the phone number I gave her. The person then asked to speak to me. We then were transferred to speak to someone else. This routine continued for about two hours. I finally asked when I could get my car back. I was told maybe in ten business days. I figured that is about XX/XX/XXXX. The branch manager could not believe what I was being told, and became angry, upset and embarrassed. During this time she was writing an email to her manager about the situation. The bank manager told me that I should not be responsible for anymore fees, and that the bank should be responsible for any damages to the vehicle. The bank manager told me contact her with any further problems.
Product: Checking or savings account

My account was compromised, a loan company phished my account, I spoke with 5 different fraud departments. They clos! ed the wrong account. There was a digital check that isnt my signature. Yet bank of America didn't resolve the issue. Yesterday day they force closed my account. Every measure that was required of me, I complied. Bank of America had been my personal and business bank for years. XX/XX/XXXX was my first claim. Now XX/XX/XXXX my account was forced closed. Due to the inadequate response, this has affected my business, non profit, and credit score. I reached to the XXXX XXXX. to report my identity and banking information compromised.
Product: Credit reporting or other personal consumer reports

Ive found a fraudulent inquiry on my credit report that was made online without my knowledge or consent.
Product: Vehicle loan or lease

In XXXX I financed a XXXX XXXX XXXX through Wells Fargo for 60 months. During this time, I experienced misapplied payments and incurred fees and more interest. In XXXX, the balance of the loan was paid off during the purchase of a new car however was not repaid for the misapplied fees and interest. I would like to be included in repayment of these fees due the Wells Fargo fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( Experian, XXXX, XXXX ) . The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.
Product: Checking or savings account

As a cXXXX XXXX XXXX XXXX  Bank of America has refused to close my XXXX XXXX XXXX XXXX XXXX XXXX After several submissions of my court document, I finally spoke to an agent who confirmed they were on file, and that my authority was recognized, however, I have " informational access only '' and no ability to close or withdraw from the account. My legal document of authority states " no restrictions ''. When asked why I am not granted the ability to withdraw, all the agent can do is read from a scripted answer from the legal department- which did not state what was lacking. When asked what language can be incorporated or if a Court Order would be sufficient, Bank of America was not able to provide any guidance. This means I have to ask my attorney to go back to the Judge and request yet another version of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  take a guess at what language to include, and hope for the best that BofA will find it acceptable. Getting a XXXX to sign off means requesting a hearing date, set XXXX days out, and paying my attorney to file a Petition and appear at Court. In the meantime, my ward has received an eviction notice due to nonpayment. BofA says it will take one month to review new documents. I'm now looking at over 60 days before I can liquidate the account to pay for care. 
BofA decides which court documents they will abide by without any guidance on how to move forward. They are unlawfully withholding funds that my ward needs to live and it's wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name XXXX XXXX. I became aware of the debt on my credit Early XXXX. I have contacted XXXX 10x.  Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. XXXX has not sent proof that the debt belongs to me. In XXXX I called Equifax fraud department to dispute the validity of the debt on my credit. The Equifax fraud representative has called XXXX on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XXXX/XXXX/XXXX I once again called XXXX I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. XXXX refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by XXXX to verify my identity.
Product: Debt collection

they are trying to collect a debt older then 2 years which is outside the statue of limitations without ever sending anything verifying any debt owed or any correspondence at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collection that was placed back onto my credit file after previously being removed the company is reporting negative information on my credit file and was yet to prove that i do in fact owe this alleged debt and i want it removed off of my credit profile immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection agency has reported into collection on my credit report an amount of {$6200.00}, and I have no idea where this amount came from, I need to receive a statement of this bill with each debt itemized, and why this collection service feels I owe this debt, and proof this is a legitimate and correct amount for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't pay a XXXX ( gym membership ) bill years ago. I recieved a notice from a lawer in the mail. I called the gym first, and was advised to pay the amount they needed and it would all be over with. I paid at that point. I still got the calls so i answered one and expalined that the gym told me it was over, I was paid in full. The person on the other end told me that i still owed their law offices. I asked why, and they couldn't say. I then hung up. I have received up to fifty calls from law offices regaurding this XXXX account that I have already paid off. I called back the same manager at XXXX and he told me he would take care of it and unless i heard back from him that I shouldn't worry. I kept getting calls but ignored them because they were just calls ... Then i got an email from XXXX XXXX that said Aldous and Associates is placing this into collection. The XXXX managers have no idea who this law office is, nor do they know why i am still being hasselled about this as I don't owe them anything.
Product: Mortgage

My house was seriously damaged after hurricane IAN, then my insurance company XXXX went insolvent. So after some of the money being authorized by XXXX prior to insolvency, the rest went to XXXX XXXX XXXX XXXX XXXX  took over the claim. After XXXX months of negotiation with them they issued 2 checks with Chase Mortgage as a co-signer. Chase refuses to endorse the check. 

They after sending an inspector to see that my house was repaired, after hurricane, IAN, and it is. Inspectors report said 100 % repaired. They said the inspector didn't inspect to the correct claim amount. To go back to my insurance company and get a copy of the new claim, there isn't one as XXXX went insolvent. So after arguing with XXXX XXXX XXXX XXXXXXXX XXXX, and reaching agreement with them. They sent 2 checks. Chase won't endorse them to me because of some goofy internal system issues they have. The asset in question, MY HOUSE, is 100 % repaired, their inspectors report, Their portion of the asset is secure. I paid for it, now finally XXXX months later will get back half of what it cost me, and Chase wants to play more games with my money. 
I have 2 large checks that must be endorsed by Chase who has no dog in the fight other than a mortgage on my house for XXXX XXXX of the value. 
They inspected the house. This is not their money, they just have to endorse the checks and, they refuse. I asked yesterday to send me a letter with exactly what I have to do to get the funds released, and they said they don't do that. 

Hopefully... .. an attorney will get my funds released! XXXX XXXX XXXX XXXX!!
Product: Consumer Loan

Applied for loan from Ace Cash Express. 
Ace sent a phony government check that XXXX Bank cashed and is now holding me responsible for the amount of the check.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXXXXXX XXXX about a collection in the amount of {$790.00} in XXXX XXXX I have never purchased anything from this company. It appeared on all XXXX credit reports and it has a negative remark. This debt does not belong to me. The company has not responded to me after I asked them to remove this false report.