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

This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing Experian for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. Feel free to reach out to address this issue before it escalates legally.. via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation. Accounts that I didn't authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM 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
Product: Debt collection

XXXX I first placed a call to amsher collection once I recognized fraudulent charges were posted to my credit report being a victim of recent identity thief & yet counteracting fraudulent activityamsher wanted more info from me such as ss # to look up acct, I told them I didnt feel comfortable giving that info to resolve an acct thats fraudulent & doesnt belong to me.I only gave them my name.Amsher said well we cant find acct. 

Called XXXX XXXX to report acct reported to amsher collection is not my acct & that I never did business with them.Was getting no where, asked for their fraudulent dept because I resolved other fraudulent accts posted to my credit report through there fraudulent dept, I was lead to believe representative was taking info while we were communicating & then XXXX XXXX representative hung up the phone. 
According to my financial history I pay my bills, it would make no sense not to pay this one if it were really mine.We were {$100000.00}. in debt XXXX  XXXX time in our financial journey but instead of filing for bankruptcy or not paying our debt we continued until we paid all off. 
Some criminals somehow got & used our info to hack our finances this year, it was brought to our attn on XX/XX/XXXX when they locked my husbands phone, turned on his credit cards & tried to transfer, deposit, withdraw money. 
Also used husbands account to infiltrate my account. 
Thank God we got an early start on counteracting the craziness because we didnt know what was happening until we took my husbands phone to our phone co. & still had no idea to what extent this madness would extend. 
Never even checked our credit report after XXXX years of living now well checking daily or more to stay in front of the thieves.
Product: Credit card or prepaid card

I have a Bank of America Visa Platinum Plus card. I called and told them my son was in the hospital and I forgot to make my payment, I was one day late and turned my interest rate into 29.99 % I told them the circumstances and they will not make an exception I am single struggling mother and my son was sick. I have not been late one time ever. My promotional balance is over in XXXX XXXX 2018 and will be 21.99 %
Product: Credit reporting, credit repair services, or other personal consumer reports

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been Account name Account number XXXX XXXX XXXX XXXXXXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after a
ny 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 shalli ) 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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me
Product: Credit reporting

It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something XXXX did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with XXXX that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.
Product: Student loan

I received a Perkins loan while in XXXX school. I was told that my loan will cancel if I work as a XXXX. I followed the rules, and I have worked for 6 years as a XXXX. I submitted my letter from my employer as evidence, and I was later told that my loan had been sold to a collections agency due to failure to pay. I explained that my loan should be canceled because I followed the rules and have provided evidence that I have worked as a XXXX  I was informed that I am not eligible to cancel because the loan is now in default. I was told to send a message to this link because the terms of my loan was not kept by the original company that managed my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Product: Money transfer, virtual currency, or money service

My debit card was stolen and the information was added to a cash app account and money was transferred to the cashapp account with my debit card. I couldnt speak to anyone representatives about this. This happened last XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute the civil liability claim referenced in your correspondence dated [ XXXX XXXX ]. Specifically, I believe the claim is in violation of Section 16810, which addresses [ Credit bureau is not reporting accurate information on my report ] .Based on these concerns and in accordance with the applicable provisions under Section 16810, I respectfully request that the liability be reviewed, and the claim be adjusted or revoked accordingly. I would appreciate it if you could review these documents at your earliest convenience. 
I would also like to request a meeting or a written response to further clarify the details of the dispute, and to reach a resolution to this matter as promptly as possible. If necessary, I am prepared to pursue legal remedies to resolve this issue. 
Please confirm receipt of this letter and indicate the next steps in resolving the dispute. 
Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Debt collection

Seven years ago went to XXXX XXXX and i had insurance. instead of charging my insurance for my XXXX XXXX  visit. they put me in collections. they keep doing it every six months and it is driving me nutts.
Product: Checking or savings account

My bank is PNC bank over the course from XXXX of this year to XXXX they have reversed credits they gave me while doing investigations on fraudulent activities. Upon further investigation of my own looking at my bank statements.The bank has deducted over {$900.00} worth of fees ( their wording reversals ) too many! Some of the charges were duplicated and even tripled! When I asked for proof of documentation by a representative of how these fees are valid I was told they would get back to me and they have yet to do so! My phone wont let me download more pictures but I have more evidence to support my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this collection account, please remove it from my credit.
Product: Credit card

I've consistently ensured that payments on this account are made promptly, never allowing them to fall behind schedule. The reasons for reports of late payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, any discrepancies should be rectified.
Product: Checking or savings account

Dear CFPB, I am writing to file a complaint against Wells Fargo bank who violated the Electronic Fund Transfer Act ( EFTA ) for their failure to provide me with proper notice before closing my checking account and 15 U.S Code 1681s-2 They charged off my account and still contact me daily to pay the charged off amount. even calling almost XXXX at night!! Received call at XXXX to be exact!! Which is a HUGE VIOLATION OF CONSUMER LAW & MY RIGHTS!! 
On XX/XX/XXXX I received a letter from Wells Fargo through email stating that my account had been closed due to being overdrawn. However, I had not received any prior notice or warning that my account was in danger of being closed or charged of! No Alert no warning no attention or anything! Wells Fargo even has a inbox message center where theyd typically send important messages or notices- I DID NOT RECEIVE ANY Warning in that inbox either!! If I did I wouldve tried everything to prevent my account being closed where it be taking out a loan or borrowing from a friend. I was in such dismay I cried for almost a week because I was planning on purchasing my first home later this year & I know one of the requirements is having a bank account thats been open for a while but Wells Fargo CRUSHED that dream of mine! I had my bank account open with them since XXXX! -when I was still in high school!! Now Im less than 5years away from being XXXX old & they proved to me how cold they really are! 
I have been a customer of Wells Fargo for 7 years, I believe that the bank 's failure to provide me with proper notice before closing my account has caused me significant financial harm and emotional distress as a result of the account closure. They closed my checking account for owning {$670.00} which almost {$300.00} of that were OverDraft fees THEY ADDED!! I pleaded with them for weeks to re-open my checking account and they refused!! Its evil to Try to collect while u already charged of my account and refuse to compromise!
Product: Credit reporting or other personal consumer reports

I am writing to state that I have never lived at XXXX XXXX XXXX, nor have I given anyone permission to use my ID or Social Security number. I have requested that they verify my name and Social Security number, but they have not responded. It appears that someone has opened an account in my name withoutmyconsent.
Product: Credit card or prepaid card

last year, I submitted an application to Capitol One for a credit card, but subsequently withdrew my application, and I never provided the requested documentation for the credit card, having instead selected another Bank ( XXXX  ). Recently, I received a statement for a Capitol One Credit Card account. I believe it's the first statement to be received. The balance was XXXX, but I don't even have the actual CC because the account was never formally opened. 
I called to cancel the card, and spoke with XXXX ( employee ID  XXXX ) ( XX/XX/2020, @ XXXX XXXX  ). He told me he would close the account. He clearly stated that they record calls for quality assurance purposes, but when I indicated that I also wanted to record the call, he said I was not permitted and would not continue the conversation if I was recording. After I told him that I objected to the " one-sided '' restriction, but that I would stop the recording, he continued. He confirmed he would close the account. I requested copies of the documents used to confirm that I had opened the account. He told me he was unable to send any documentation to me. When I asked for an address, he refused to give me one. When I asked if there was a balance or activity i.e. fraud ... he refused to answer, instead telling me that I'd have to submit a driver 's license, social security information and a utility bill for verification. I believe they wanted this information initially, and I declined the request at the onset. Seems to contradict the approval process for account creation. I disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a request, in writing to have an inaccurate account removed from my consumer file. Not only does the account remain on my report, I have yet to receive any correspondence stating the dispute has been opened, along with any status update. It is my understanding that all investigations should take no more than 45 days. 

In addition, I've never given the alleged creditor or Experian my explicit or implied permission to report such account on my credit file. This account is impugning my reputation as a consumer and Experian along with the original creditor or in violation of several FDCPA laws and I will be seeking restitution for each violation if my requests isn't satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX
Product: Student loan

In 2019 around XXXX I decided to join the XXXX. I enlisted XX/XX/2019, and found out that I was leaving to go to basic a week later. I called my students loan to make sure they had me in deferment but the system was down that whole week. I went off to basic for my students loan to take me out deferment because I wasnt in school and start charging me for my students loan from XXXX of 2019. I called the company to see if they can take of my credit report. The company Osla told me they cant take off my credit unless I was XXXX for those months.