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

I, XXXX XXXX, am writing to formally dispute fraudulent information on my credit report, as I am a victim of identity theft. In XX/XX/XXXX, an account was allegedly opened in my name without my authorization. I have not benefited from this account, and it is the result of unauthorized activity. I have filed a police report with the XXXX XXXX XXXX Police Department ( Report # XXXX ) and an FTC Identity Theft Report ( File # XXXX ) to substantiate this claim. 

Per the Fair and Accurate Credit Transactions Act ( FACT Act ) and Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate blocking and removal of all inaccurate and fraudulent information from my credit report. In accordance with Section 605B of the FCRA, credit reporting agencies are required to block fraudulent data within XXXX business days of receiving a valid police report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am concerned that some accounts may involve fraudulent activities linked to identity theft. As per the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, identity theft is a federal crime, and I am entitled to a framework for recovery. 

Recent legal actions underscore the importance of accurate credit reporting and the obligation of credit reporting agencies to conduct thorough investigations. Notably, in XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes, alleging that Experian conducted inadequate investigations into consumer complaints and reinserted deleted false information into credit files, thereby harming consumers ' finances. Furthermore, in the case of XXXX XXXX. Experian Information Solutions XXXX XXXX ( XXXX ), the plaintiff suffered damage due to Experian 's inaccurate and incomplete reporting, leading to harm to reputation and emotional distress. These cases highlight the necessity for credit reporting agencies to adhere strictly to the FCRA 's requirements and to ensure the accuracy of the information they report. 

I request the following actions : Thorough Reinvestigation : Conduct a detailed reinvestigation of all disputed items listed in this letter.

Verification Documentation : Provide all documentation used to verify the accuracy of the disputed information.

Prompt Deletion : Delete any information found to be inaccurate, incomplete, or unverifiable, as required under 15 U.S.C. 1681i ( a ) ( 5 ).

Please be aware that failure to comply with these obligations may result in legal action enforcing my rights under the FCRA and other applicable laws. 

I appreciate your prompt attention to this matter and expect a response confirming the actions taken within the timeframe prescribed by law. 

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

Have called company 3 timesXXXX XXXX. XXXX is reporting account late on credit reports but payments were made before the 30 days. I have also contacted Experian and opened a dispute. Balance history on credit report is not showing recent payments. 

Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide the credit reporting agencies with written permission to report any of these accounts. 

( SEE ATTACHED DOCUMENT ) That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) ( 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 instructions of the consumer to whom it relates. 

This leads way to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account named XXXX XXXX in the amount of {$110.00} with transunion as I have no contract with this company. They did not extend any credit to me. I have no dealings with them but yet they continue to report this inaccurate and unverified account. I want documents showing that they have in their files showing this belongs to me under the FCRA 15 U.S.C 1681g. If this can not be verified by this credit reporting agency it must be promptly removed under the FCRA 15 U.S.C 1681i. This is the law
Product: Credit card

It was multiple amounts reaching up XXXX all from online walmart purchases, but when i call walmart and give them my email which is XXXX they said it was only one purchase and ive also disputed with my bank which is open they also told me to file a police report and send a statement from walmart with my purchases
Product: Credit card

I got a notice that I had a overdue 90 day late bill on my report, so when I checked it, it showed a Macy 's Citibank card, I never opened this or used Macys cards. I contacted Macys they verified that they had my correct social, but the phone number and address did not match me. They closed the account.
Product: Student loan

For several years, XX/XX/XXXX-XX/XX/XXXX I was unable to make payments on my student loans and the company told me that my only option was a forbearance. That is how my XXXX loan became a XXXX dollar loan. Please help!
Product: Credit reporting or other personal consumer reports

There are items on the report that I disputed asking for proof of debt. They never sent to me I file three dispute in XXXX and XXXX. And items still on my report
Product: Consumer Loan

I currently have a 14 % interest rate on my car loan. I went online and completed an application so that I can trade in my current vehicle and get a lower rate since refinancing did not work. The online application asked for my PPI and Employment/Income. After I was done I received a pre-qual good for up to XXXX. Shortly after I received a call from the dealer and I outlined everything that was of interest to me. I stated interest rate under 7 % and payment under {$300.00}. I never received a call back from the agent and shortly after found that they had completed XXXX hard pulls on my credit in addition to the one. These pulls were not authorized. I just filled a complaint with the company and have been receiving contact from a gentlemen that works there by the name of XXXX. He explained the dealer went back and pulled a tri-merge. I let him know that still was not authorized and that it is now going on two weeks and no one has even made an attempt to contact me back.
Product: Debt collection

Aldous & Associates has threatened to report a collection to my credit profile for a payment they claim I refused to make after I returned their voicemail. However, I was no longer a member of the gym, I have good credit, and the card they were attempting to charge had been canceled due to my wallet being stolen. 

I called both the gym and XXXX XXXX to inform them that my account had already been closed and that I had no outstanding debt. Despite this, they continued to call me. So, I sent them a certified letter with a return receipt requested, asking for verification of the debt and requesting that they cease all collection activity. They never responded to that letter. 

Now, they are threatening to send me to collections and damage my perfect credit score, so Im trying to resolve this matter before it escalates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts. Please investigate these accounts that are erroneously reported in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE XXXX - XXXX XXXXXXXX XXXX - XXXX I NOT AUTHORIZE THESE INQUIRIES 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

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXXXXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Discover collections called me on XX/XX/XXXX. My account is not past due and is up to date and current. I questioned the specialist why I was receiving a phone call. He could not explain. He only stated that I was close to my credit line and they were just checking in with me. In XX/XX/XXXX Discover reduced my credit line and left about {$100.00} of my balance to use. I currently have almost {$200.00} of my credit line remaining at this time. I find it harassing that they are the ones who reduced my credit line and then call me months later stating they are calling because I 'm close to my credit line. It feels as though they reduced my credit line so that they can call me and make me feel like a bad customer. I 've done nothing wrong and I simply want answers as to why I was contacted for an important business matter when I have paid my debt on time monthly. They are the people who reduced my credit line and have now decided that I have a hardship. I do n't have a hardship. I 've spoken to a few supervisors only to be passed around and left with no answers as to why I was placed in a collections calling queue when my bill was not past due.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint on the inaccurate balance and charges being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and their third-party collection agency, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX provided me with a final balance of XXXX XXXX vacating my unit. However, XXXX XXXX XXXX is now reporting an incorrect balance of {$3800.00}. Additionally, the leasing company applied multiple improper charges to my rental ledger, including excessive trash bag fees. Despite paying a XXXX XXXX monthly trash fee as part of my rent, I was charged {$25.00} per trash bag for having them on my balcony. This occurred because the property failed to utilize its concierge trash service and only provided trash bins at the front of the complex, while I resided in the back. 

Furthermore, I vacated the unit in XXXX and returned my keys on XX/XX/XXXX, per our documented email agreement. Despite this, I was still charged additional fees for XXXX as if I had remained in the unit. 

The information and charges reported are inaccurate, and I have supporting evidence, including my rental agreement, emails, and rental ledger, to confirm the discrepancies. I request that these inaccuracies be corrected immediately and that the reported balance be adjusted to reflect the actual amount owed at the time of my departure.
Product: Mortgage

I want to express my frustration with working with Nationstar Mortgage { Mr.Cooper } as so its now called, in working with a Loan Modification on my subject property located in XXXX, New York. I 'm very certain that they changed their named to Mr.Cooper  because of all the lawsuits that they keep receiving due to mismanagement of files, and also for misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the situation of the client. 
My complaint has been going on with Nationstar for a while. It started years ago with with a simple request of a Loan Modification due to my default in XXXX XXXX XXXX. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried to contact them for an update, there is a different representative, not only did they not know what was going on with the file, but they could not find any updates, any documentation of my file. Most of the times they kept telling me that there was no current updates and that an account specialist will follow up with me and they never did. 
It is not my fault that I felt behind on my my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolution has been reached. I finally was able to execute a complete package, and have the correct income to qualify for my mortgage. I was able to rent part of my property and collect a rental income of {$2500.00} on a monthly basis. My daughter is able to give me a contribution to assist me with the daily expenses we have in the property and for the family. All I 'm looking for is for HELP. 
Now, Nationstar has placed a sales date on my property and is for XXXX XXXX XXXX. I do n't understand why they have placed a sales date, when I been doing a loan modification to save my home, you have a complete package with updated information for a review, and you do not want to open a template for a review my loan modification for a possible solution, all you want to is sell my house on foreclosure auction unless if I can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have been " dual tracking '' my case. If I was in process of a loan modification, foreclosure should have been placed on hold until a review is completed. You are against the law at the moment for not opening my case for a loan modification, and forcing me to foreclose. 
I believe its just not fair that you ca n't even give me the opportunity to have my file be reviewed for a loan modification, to give me an opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.
Product: Credit card

XXXX XXXX XXXX Chase Bank for Declining Dispute of Fraudulent Charge ( Case Number : C # XXXX # XXXX ) To Whom It May Concern, I am writing to submit a formal complaint against Chase Bank regarding their handling of a fraudulent charge dispute, referenced by the case number C # XXXX # XXXX. My numerous attempts to resolve this matter directly with Chase Bank have been fruitless, and I seek the assistance of the Consumer Financial Protection Bureau in this regard. 
On XX/XX/2023, I encountered a fraudulent charge scenario while booking accommodation through XXXX. During a search for a villa in XXXX, I was led to a listing by an unknown individual in a group chat. The villa was advertised at approximately {$23.00} per night. Believing this to be a fair price, I proceeded to book the villa for a total of 4 nights. However, upon completing the booking process, I was unexpectedly charged a total of {$490.00}, a stark discrepancy from the initially advertised rate. Alarmed by this significant overcharge, I immediately reached out to Chase Bank to dispute the transaction. A representative from the bank provided reassurance that the matter would be addressed once the transaction moved from pending to posted. However, this promise was unfortunately not fulfilled. 
Upon returning from my trip, I discovered the charge remained unaltered. My continued efforts to engage Chase Bank, including detailed written communications and the provision of supporting evidence, have been met with consistent denials. The bank has unjustly relied on the propertys cancellation policy, neglecting the fraudulent basis of the charge. 
On XX/XX/2023, I received a communication from Chase Bank asserting the legitimacy of the transaction, thereby disregarding its fraudulent nature. This response is not only unsatisfactory but also indicative of a severe lack of client protection and service. 
I emphasize that I did not utilize the services of the villa in question, as substantiated by the attached proof of my communication with them regarding a refund and cancellation. 
Therefore, I respectfully request your intervention in this matter. I am seeking a full refund of the disputed amount of {$490.00}, including any related interest charges. 
I consent to the CFPB sharing this complaint with Chase Bank for their response. 
I appreciate your prompt attention to this matter and look forward to your support in resolving this issue. I am ready to provide any additional documentation required to substantiate my claim. 
Thank you for your consideration. 
Sincerely, XXXX
Product: Debt collection

UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXX  XXXX XXXX Inquiries in Dispute : XXXX  XXXXXXXXXXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XXXX IN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 12   XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect DOB : - XXXX Employer - XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

Dear CFPB Team, I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with my credit report concerning a medical debt reported by CAPIO PARTNERS ( Account Number : XXXX  ).

It has come to my understanding that recent legislation has been enacted to prohibit the reporting of medical debt on consumer credit reports. This change reflects a growing recognition of the unique circumstances surrounding medical debt and aims to alleviate the financial burden on consumers. 

Despite this new regulation, I have noticed that XXXX  XXXX continues to report this medical debt on my credit report. I believe this may be in violation of the recent law, and I would like to request your assistance in addressing this matter. 

I would appreciate your guidance on how to proceed in resolving this issue and ensuring that my credit report is updated in accordance with the new regulations. Thank you for your attention to this matter, and I look forward to your prompt response. 

XXXX XXXX