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

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/22 I had to take my XXXX to the vet due to an XXXX XXXXXXXX. On my way out to pay for the treatment and medication needed, my Chime debit card was declined. Confused and slightly starting to panic, i check my account balance and see more than enough to cover the cost. But again, my card is declined. I'm embarrassed and panicking but thankfully, my sister was with me. So we tried her card and it was also declined. She also banks with Chime. After apologizing to the vet, we went to get cash from an ATM. My card was declined again. Twice. So at this point I'm embarrassed and anxious about how I'm going to pay for my kittens antibiotics. I try to contact the bank and all options of contact are not working. So I check social media and on XXXX I see that Chime is down and no one has gotten a notification. Thankfully my vet was very understanding and still provided the medication for my kitten so hopefully Chime is back up tomorrow so I can pay them back. 
Chime sent a notification finally about an hour after the issues started. I've attached the notification of the declined transaction and of the email where I logged in on my phone to my chime account in an attempt to contact the bank.
Product: Debt collection

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of XXXX XXXX XXXX XXXX. 

I received the attached collection letter on XX/XX/XXXX, from this, XXXX XXXX XXXX XXXX, claiming that they are collecting on an alleged debt that they are claiming to have acquired from Navy Federal Credit Union. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to XXXX XXXX XXXX XXXX, that I dont owe them, nor do I owe Navy Federal Credit Union this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying Navy Federal for, years ago, and I could never get adequate nor accurate answers.

In XXXX I did have a Navy Federal credit card account, and I feel that Navy Federal deceived me with the rates, and charges that were being charged onto the account.

Years ago I had contacted Navy Federal many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to Navy Federal for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with Navy Federal Credit Union since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency XXXX XXXX XXXX, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want XXXX XXXX XXXX XXXX to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that Navy Federal Credit Union do the same. 

I have had no dealings with Navy Federal Credit Union since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, Navy Federal has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.
Product: Debt collection

XXXX continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XXXX and they were listed as a creditor on schedule f of the bankruptcy petition filed XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy
Product: Credit reporting

A {$55.00} medical bill went overdue and I was not made aware until I was contacted by a collection agency. I paid the bill in full as soon as I was made aware of it. However, in the meantime, the medical office closed and the collection agency has refused to remove it from my credit report. Now I 'm trying to get a home loan and being penalized because of this one single thing on my credit report when I have not had a single late payment on anything else in my entire credit history.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE ACCOUNTS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNTS : XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

2. REMOVAL OF INACCURATE ACCOUNT : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. 

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Vehicle loan or lease

Hey, I went to purchase a car, i did not even authorized for credit check, even they want to check they have do report once but the those people did hard inquiries for 5 times, now those are on my profile, I did not tell them to pull the report for multiple times, without informing they pulled the credit report. I am raising the complaint these credit inquiries made on XX/XX/year>. There are multiple inquiries made by them from ally financial, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via dealer. These are the companies involved in hard inquiries these all has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXXXXXX XXXX XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2020. We are attempting to get our mortgage refinanced. We logged in to the account at Experian and filled out the required information. The page eventually showed our account as unlocked so I informed the bank we are working with. When the mortgage officer attempted to access the file, he was told it was unlocked. I went to the website, looked at the page, took a screenshot where it said " UNLOCKED '' - it it WAS NOT! The bank called and told me, so i attempted to go through the phone number at Experian. That would not work either. I am disappointed and frustrated at the lack of a " REAL PERSON '' to talk to. After all, it is MY INFORMATION they are holding hostage!! Please lodge my vociferous complaint!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and mailed a dispute letter to Experian delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Experian customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative also advised that although I requested a copy after the investigation they had not mailed a copy to me. I contact Experian again after only to be told again they would not delete the records again and they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Experian on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?
Product: Bank account or service

I am XXXX XXXX XXXX that works for a company that helps victims of ID Theft to clear up fraudulent matters. I obtain a Limited Power of Attorney in order to help these vicitims clear up fraudulent matters. I disputed an account last year with USAA for one of my members. We were advised last year the account was cleared. This year it got sent to collections. After spending more than three hours on the phone USAA advised today the account was in a charge off status not a fraud status. I tried to work with the fraud department today to see if we could get the status corrected. USAA could verify my POA On file, but insistied they would not talk to me unless I provided my PERSONAL social security number and date of birth for verification purposes. I told them I was not related to the member, this was n't my account and for security purposes I was not comfortable giving them my social. They said I had to, so I made up a number and told them I was doing so. Then they tell me they have access to background information and the number did not come back as valid and they would not talk to me. I never authorized them to check background information on me. I never authorized anything. I cant believe for security reasons a fraud department is asking for social security number of PROFESSIONALS not financially obligated to the account. This needs to be stopped and now we ca n't resolve a fraudulent account which is against FAIR DEBT COLLECTION Practices and their regulations because I wo n't give my social. The client, is hard of hearing and ca n't speak. HIs wife, handles all the financial affairs. They wont talk to her either. The member signed a power of attorney so that I could help him and I cant. I went to XXXX at USAA dept supervisor and she refused to find a different way to resolve this.
Product: Credit reporting

To whom this may concern, TransUnion is reporting two addresses on my credit report that are not only non-existant addresses but addresses which I have never lived at. 

Specifically, TransUnion is reporting " XXXX XXXX, CA XXXX '' and " XXXX XXXX, CA XXXX '' as my addresses. Even if I did previously live at these addresses they are formatted in such a way that it would be impossible to apply for a bank account or credit account and have the bank verify the address provided by the consumer with the address provided by the credit check. In effect, this false information locks individuals out of financial services and TransUnion should have never let this clearly false information be maintained on a credit report. 

There is not such thing as XXXX XXXX, CA XXXX '' or " XXXX XXXX, CA XXXX ''. Please see the attached screenshots for more details. I would like TransUnion to immediately remove these prior addresses and apologize.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am requesting a 1099c from Truist Bank of XXXX because they charged off/ written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX   EXPERIAN 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

This card is not mine. Even on my Equifax credit report it states Undesignated-O : Individual 's association with this account is unknown. 

Account details Account status Over XXXX  days past due Account type Revolving Account number XXXX XXXX Date opened XX/XX/XXXX Date closed XX/XX/XXXX Past due {$650.00} Responsibility Undesignated
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to follow up on my dispute regarding the misleading information on your website and the unauthorized payment attempt on my credit card. I appreciate your response that you have received my dispute and that you will take 30 days to investigate. 

However, as stated by the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand a response within 30 days. I am requesting an immediate resolution of this dispute, as the misleading information on your website, the unauthorized payment attempt on my debit card, and personal information dispute have caused me great concern and inconvenience. 

I hope that TransUnion takes this matter seriously and takes immediate steps to resolve this issue. I have already submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I expect that TransUnion will take all necessary steps to rectify this situation as soon as possible. 

Thank you for your time and attention to this matter. I look forward to hearing back from you with an update on the resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am disputing a debt collection account on my credit report that I believe is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The debt collection agency, XXXX XXXX XXXX, has failed to : 1. Validate the debt : Despite my written request for valida

tion under 15 U.S.C. 1692g, they did not provide sufficient evidence to prove the debt is valid or that they have the authority to collect it. 2. Report accurate information : The account contains incorrect details, including parked debt on my consumer file violating my rights 3. Provide proper notice : I was not informed of my rights within the required timeframe as outlined under FDCPA regulations.

This account is causing harm to my creditworthiness and appears to be a violation of consumer protection laws. I respectfully request the CFPB to investigate this matter and require XXXX XXXX XXXX to provide documentation proving the debts validity or remove the account from my credit report.
Product: Debt collection

I have no knowledge of the collection I pulled my credit fill and this collection was listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that I'm no longer authorized user in the account : XXXX XXXX # XXXX, your company is reporting this account with an incorrect balance, I had tried to dispute this online but the system refused it.