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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
Product: Debt collection

A person from collection specialist in XXXX Indiana called my home and spoke to my sister on XXXX/XXXX/17 around XXXX XXXX. The lady told my siste I owed some company {$95.00}. This person called my home number and for XXXX, apparently acting as if she was calling a friend. This person just started telling my sister that I owe some company money without explaining who she was or what company she worked for. After she disclosed what could be my private information to my family member she then stated she was with Collection Specialist of XXXX, Indiana.
Product: Credit reporting or other personal consumer reports

I have been on military duty since XX/XX/year> and someone have been using my identity without my permission. I have advised them that these are not my accounts. I have never lived or been to XXXX. The address, phone, email and other information reporting does not belong to me. I have advised them to remove the fraudulent address from my report as well. I have advised them to removed these accounts and asked them to send me a new report once removed however all accounts were not removed and they have advised me that the accounts have come back as accurate and verified however have not provided me with any information on how they came to that conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX  i sent in dispute letters to XXXX, XXXX and experian. After learning more about my rights as a consumer, i obtained a copy of credit report the month prior to disputing. I noticed multiple inaccurasies which i detailed in my dispute letter, not one response was made from my dispute letter.

Each of these accounts violated, 15 usc 1681 e b- accuracy of a report, whenever a furnisher reports any information on behalf of a consumer ( me ) it shall follow maximum possible accuracy. Because these accounts have multiple inaccurasies, i demanded them to be removed because they were in violation. To add another reason why these accounts need to be removed from my credit report is each account violating 15 usc 1681 b under permissible purposes i never any of these accounts any written consent to report anything to my consumer reports and because i didnt consent that means fraud to me. 

XXXX XXXX XXXXXXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DeptedXXXX
Product: Student loan

I had four student loans that were being serviced by Edfinancial Services ; however, my loans were transferred from Edfinancial Services to XXXX several months ago when I applied for PSLF/TEPSLF. Moving forward, all four loans have been forgiven under the PSLF/TEPSLF, but Edfinancial continues to report the loans as if they are still servicing them and as if I still have a balance. I tried to dispute them on my credit report, but Edfinancial told the credit bureaus that my loans are still being serviced by them and they even reported that I have a balance.
Product: Credit reporting or other personal consumer reports

These companies national business factor and XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, Is Reporting fraudulent Inaccurate Information on my credit report I have requested that they provide the purchase agreement To show Ownership of such account and other documents So I may review to see if this account actually belongs to me
Product: Debt collection

Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about 6-8 months ago roughly. The debt dates are also inaccurate stated the debt was XX/XX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} Collection Company : Synergetic Comm. Inc  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer Error : My account was transferred in XX/XX/XXXX, and during this time, payments may not have been properly accounted for due to delays in processing the transfer. This should not have resulted in late payments being recorded. 
Payment Processing Delays : Any delays in payment during this time were a result of systemic issues during the account transfer, not negligence on my part. All payments had been initiated within the required time frame, as evidenced by my payment history prior to this period. 
Dispute Already Filed : I had previously raised a dispute regarding this issue, which was noted as resolved by the credit bureaus. Despite this, the incorrect information remains on my TransUnion report, further suggesting an error in the final reporting. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, Chase XXXX XXXX XXXX, to mediate the dispute. After contacting both sides, Chase issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the Chase XXXX decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after Chase XXXX resolved the mediation in my favor. XXXX referred this debt to a collection agency, Chase Receivables. Chase Receivables continues to come after me for this debt, despite the fact that I have explained in writing why this debt is invalid. Furthermore, this alleged debt continues to be a black mark on my otherwise good credit report. 

I have contacted the XXXX Reporting Agency, XXXX, but they refused to remove the offending item from my credit report without offering any explanation. 

I am contacting the CFPB for their assistance in mediating this issue with Chase Receivables and to help remove this black mark from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a picture of my ID and ssn to cfpb to send to them and you all didn't not send it they keep sending me letters telling me to send this information I don't understand whst is going on on making my credit report information rite and checking these companies that keep putting wrong information back and fort on my report I KEEP ASKING YOU ALL FOR HELP AND THESE COMPANIES KEEP SENDING LETTERS SAYING THEY DIDNT RECEIVE MY ID OR SSN THAT I JUST SENT YOU ALL PLEASE SEND THEM A COPY OF MY IINFORMATION ALL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to request the immediate closure of my XXXX XXXX account, which I have never used, and to demand the cessation of inaccurate reporting of this account as a loan to any credit bureaus. The {$XXXX  reported on my credit report is not a loan and its representation as such is false and unauthorized. 
The continued presence of this inaccurate information on my credit report is causing me undue hardship and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
Therefore, I am requesting the following actions be taken immediately : Close the Account : Close my Credit Builder account with XXXX XXXXXXXX XXXX XXXX. 
Cease Reporting : Stop reporting any information related to this account to any credit bureaus. 
Notify Credit Bureaus : Contact all credit bureaus to which you have reported my information and request the removal of any records related to this account that you have submitted. 
Provide Confirmation : Provide me with written confirmation that the above actions have been taken within 15 days of receiving this letter.
Product: Debt collection

Portfolio Recovery Associates, LLC have continuously violated my rights as a federally protected consumer. They have yet to validate that the account is mine. They are in violation of FDCPA 15 usc 1692j, FDCPA 15 usc 1692g, FDCPA 15 usc 1692f, FDCPA 15 usc 1692e, FDCPA 15 usc 1692d and probably many more if I do more research. In XXXX of XXXX they zeroed out the account and closed it but have been and still are reporting to XXXX XXXX XXXX XXXX  the it is still {$330.00} owed to the account. I also received the same letter in XXXX of XXXX. But the continue to violated my rights and ruin my reputation with an account that is reporting incorrectly nor have I received its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dealing with Trans Union. I have called them numerous times and they have refused to remove old inaccurate information which is keeping my credit score artificially low.
Product: Credit card

In early XXXX of XXXX  I used my Citi bank online app to locate the current total payoff amount for the credit card. I made a final payment to pay off the total balance on my Citi bank credit card. The Citi bank website app gave me the option to pay off the total balance and I did. I then called customer service to request the account to be closed permanently. They closed my account and never mentioned anything about additional fees following the payoff amount and closing the account. As of XX/XX/XXXX I contacted them about an email stating that I owe additional fees and late fees on the account. I explained that they were not correct with attempting to charge me additional fees after paying the payoff amount and closing the account. They continue to charge me the fees and will affect my credit score. I need this resolved. Thank you
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  XXXX - XXXX - XXXX - {$1600.00} XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : Since then, the date of last activity has been inconsistently updated on Transunion the date last active is ( XX/XX/XXXX ), XXXX the date last active is ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

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

A few months back I requested my credit report from XXXX, Equifax and XXXX. I found multiple discrepancies listed on my credit file after recalerts that my information was found on the XXXX XXXX  with these agencies. That included places that I have never lived incorrect spelling of my name and accounts that do not belong to me. The last four of my social security number being incorrect also. I went through the process of trying to have this information removed. I also submitted letters to them asking them to verify the information. They sent me the responses back may be about a week after submitting complaints to them stating that the information may be correct. I feel they didn't do a thorough investigation into the matter. I sent each copy certified return receipt. I still did not get any results because it cost {$8.00} each time you send return receipts and over time that gets expensive. XXXX charges {$24.00} for a credit file lock and that gets expensive also.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by Experian Despite my previous correspondence, which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, Experian has not conducted a proper investigation nor provided the required documentation. 
Reasons for Complaint : 1. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

2. Violation of the TILA : o Disclosure Requirements : Experian failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

3. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present below the inaccurate information persistently affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote to Experian to complain that they are reporting inaccurate and incomplete credit information and requested verification of the accounts on my consumer report. It is now XX/XX/2021 and I have yet to be notified of the investigation results.
Product: Checking or savings account

On XX/XX/2021, PNC Bank took over operations of BBVA Compass Bank On XX/XX/2021, PNC Bank told me that all operations relating to my BBVA Compass Bank Account, will become operational as before. In particular I was interested in XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I went twice to the PNC Bank Branch and met once the Vice President I also submitted the Account linkage form on XX/XX/2021 However, to date, I have on online access to account, so I can not perform XXXX XXXX, Look at my deposits, Look and monitor at automatic withdrawals by Mortgage company, Credit Card payments etc I am very worried, since I do not know what my balance is, and how much and many bills can I pay Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXAccount XXXX, Date Opened XX/XX/2023. XXXX, Account XXXX, Date Opened XX/XX/2023. I have included attachments and laws to show how these accounts are violating the law. Please review laws and attachments of the errors. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

****I DEMAND THE PROCESS AND PROOF OF YOUR INVESTIGATION****
Product: Debt collection

XXXX XXXX XXXX.IS A DEBT COLLECTOR WHICH IS TRYING TO COLLECT ON A DEBT, THAT MY INSURANCE SHOULD HAVE ALREADY TAKEN CARE OF, ME BEING ON MEDICARE WITH ALSO A SUPPLEMENTARY INSURANCE THROUGH ANTHEM. THEY ARE CLAIMING I OWE XXXX FOR REFERENCE # XXXX. IF SOMETHING IS OWED, THIS COMPANY SHOULD TALK TO THE INSURANCE COMPANY NOT ME. I WANT TO DISPUTE THIS ON MY CREDIT FILE, AND HAVE IT NOTED AS SUCH, AND REMOVED. ALSO IM ON XXXX, SO MY INCOME IS FEDERALLY PROTECTED BY THESE SCAMMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name social security number is XXXX please have checxsystems remove security freeze permanently off report and dispute all averse information accounts as not mine
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me a i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible NCA Account # XXXX XXXX {$920.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is on my report from XX/XX/2017 and earlier, the car note was ordered to be paid by my ex in divorce- it still is on my report- please remove
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.