23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, Equifax, XXXX You are here by orderd to remove this alleged fradualant account at once .XXXX  sent a statment thought the CFPB that this alleged account has a XXXX bal and this alleged account was remove from the past from you CRA 'S. The name was redacted for Hippa and Privacy violations but the account number is statedlook at the balanced owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these document for statment of fact case XXXX XXXX response this should verify the facts stated
Product: Credit card or prepaid card

We filed the initial response with Citibank on XX/XX/XXXX. We have sent requested information to Citibank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The dispute was resolved in our favor and a permanent credit was issued on XX/XX/XXXX. We confirmed this permanent credit with Citibank via phone on XX/XX/XXXX and XX/XX/XXXX and were assured both times that Citibank would honor the permanent credit. The permanent credit was then reversed on XX/XX/XXXX due to the merchant 's response. We have requested the merchant response and have received 3 blank pages. We were told by a supervisor, XXXX, on XX/XX/XXXX that on his end the merchant response also showed as 3 blank pages. Today, we were told that there is in fact another page, which we are entitled to receive, but Citibank is refusing to provide us, relative to the merchant response. Out of an abundance of caution, we responded to the reversal and stated that we intended to continue the dispute and submitted yet again, the information that has been previously sent to Citibank on XX/XX/XXXX. Today, XX/XX/XXXX during one phone call we were told that the information we sent was input into their system on XX/XX/XXXX. Then, during a second call, we were told that we had yet to respond to their request. We have sent proof of our claim against the merchant, who fraudulently installed incorrect carpeting and refused to provide a final invoice for what carpeting was installed or any warranty information, more than 5 times at this point and would like our permanent credits reinstated. We have downloaded the correspondence from Citibank that on XX/XX/XXXX they found in our favor and issued permanent credits which they have now reversed.
Product: Credit reporting, credit repair services, 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. 

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 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 a 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: Student loan

My Chase XXXX private student loan has now been paid off three different times with the balance ending at {$0.00}. They will not close the loan out and continue to send me monthly statements even though the loan is now with XXXX XXXX. The people that work there continue to give me the run around transferring me to several different " supervisors '' all who say the loan is closed out and then I get a bill every month. No one here know how to process a payment, loan transfer or a loan pay off. I demand that the loan is closed out immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account that I believe to be fraudulent. After reviewing my financial statements, I noticed charges on my [ credit card/debit card/banking ] account that I did not authorize. I am concerned that my personal and financial information may have been compromised. 

Accounts included in bankruptcy XXXX XXXX Account number : XXXX Account Balance : {$1700.00} Date opened : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXXXXXX 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.
Product: Mortgage

Effective XXXX XXXX, 2016, XXXX sold my mortgage to SunTrust Mortgage. Initially, I received a note from SunTrust that my account number from XXXX XXXX would remain unchanged. I later received a note from SunTrust that I was given a new account number. I changed the account number in my bank 's automatic payment, and through a snafu, the XXXX 2016 payment was not sent to SunTrust. I was unaware of this until I received a notice from SunTrust that my XXXX 2016 payment had not been received, so I was to make a double payment that was for XXXX and XXXX 2016. I received a bill for the two months of XXXX and XXXX in the amount of : {$2500.00}. I made that payment on XXXX XXXX, 2016 - to cover both XXXX and XXXX. Yesterday, XXXX XXXX, I received a note from SunTrust that they had not received my XXXX payment. I went into my bank account and the payment for XXXX and XXXX had been sent on XXXX XXXX. I called SunTrust, and during my 58 minutes on the phone with 3 people I learned that SunTrust had made the following mistakes : 1. ) They applied my XXXX payment to my principle, rather than to my mortgage payment. This happened even though they sent me a bill for {$2500.00} and I paid exactly {$2500.00}. 2. ) I further learned that my XXXX payment was also incorrectly applied to my principle! They received my XXXX payment on XXXX XXXX, 2016. The first error was now compounded by a second error. I was told that they would correct that issue and respond back to me today. I am extremely concerned that my credit, which is super, will be negatively impacted by these SunTrust errors. I would like to have this checked out, as I notice that there are a number of online complaints that indicate that SunTrust misapplies monthly payments to the mortgage principle and then sends out notices to homeowners that they are late with their payments. This is either incompetent or fraudulent.
Product: Credit reporting or other personal consumer reports

President Biden approved my student loans to be forgiven Aidvantage sent me a letter stating two of my three loans have been forgiven. They then reported late payments to the credit bureaus but the information isnt accurate. Ive been in forbearance for a very long time. I have no late payments.

They also issued a letter stating these two forgiven loans would be removed from my credit report within 30 days and that hasnt happened yet.

I need them to remove the late payments that they added which arent correct. I also need them to remove the two forgiven loans from my credit report
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dispute of Charge-Off for XXXX XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the continued reportin of a charge-off on my credit report for XXXX XXXX XXXX XXXX account # XXXX. This charge-off has been converted into taxable income and is no longer a valid outstanding debt. Therefore, it should not be reported as such on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, verifiable, and up-to-date. Specifically, under 15 U.S. Code 1681i, if information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed from the credit report.

Since the charge-off has been converted to taxable income, it no longer represents a debt owed and therefore should not be classified as such in my credit report. Additionally, this change alters the nature of the account and its reporting under current credit reporting laws, as the amount reported is no longer a liability but an income item that has been recognized by the IRS for tax purposes. 

I respectfully request that you promptly remove this charge-off from my credit report, as it is no longer applicable and reporting it as such is both inaccurate and misleading. 

Please investigate this matter in accordance with the FCRA and provide written confirmation of the removal or any necessary action taken regarding this account. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed s copy of my credit report when the company XXXX/XXXX, XXXX/First XXXX, XXXX XXXX XXXX list two charge accounts as charge off however in a settlement agreement with their 3rd party collection company an agreement was made to settle the account and they agreed to remove both accounts from credit report Account numbers are XXXX XXXX  XXXX Account number XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via Rocket Mortgage. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.
Product: Credit reporting or other personal consumer reports

Please refer to previous complaint. Company response need that my account was closed per my request on XX/XX/year> and rhe XXXX month end update to my credit report would reflect closed status. Well, that update happened and they are STILL reporting the as an open account and showing a next payment due amount of {$2300.00} even though its a XXXX balance account. This is affecting my my ability to secure a new mortgage for a property I am in contract for. The company only accepts written correspondence for credit report disputes but if I follow that service channel they state they take up to 30 days to respond. What is wrong with these people. They didnt even do what they told the CFPB they would do in response to my complaint.
Product: Credit card

To whom it may concern : XX/XX/XXXX  Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. 
Thank you XXXX XXXX XXXX
Product: Checking or savings account

I have received 2 or 3 notifications about a { supposed } checking account I have with the Navy Federal Credit Union. 

I called the number on the notification XXXX XXXX to resolve the issue. 
It seemed to me that I reached a legitimate organization from the professionalism of the person I spoke to. He said since he didn't find an account by searching using my name, the only way he could assist me was with my SS number. He said he understood if I reluctant to provide the information and added that he wouldn't provide his in a similar situation. 

That is why I felt I was actually reaching the Navy Fed CU.

I ended the call and contacted the WA State Attorney General 's Office and was referred to the FTC. I logged on there and based on the prompts was sent to Consumer Finance.

I have previously had issues ( many years ago ) when one of the credit bureaus got hacked. I began receiving Fraud Alerts from my CC companies and had to be issued new cards and the whole set of fun and games that goes with ID Theft. 

I hope that there is some way that you can assist me in finding out if this another ID Theft, phishing scam or something else Serious that I need to deal with.

Before logging on I quickly checked my Online Banking info and didn't detect anything unusual, but it was a cursory check.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am submitting this complaint on my own behalf, without any third-party involvement. XXXX, XXXX, and XXXX are reporting inaccurate, erroneous, and fraudulent collection information on my consumer report, including incorrect names, addresses, phone numbers, and employment details that do not pertain to me and for which I have not authorized any transactions. Attached are my statement, a copy of my identification, details of the fraudulent inquiries, and a copy of my bill to assist in verifying my identity and mailing address. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ), a consumer reporting agency is required to block the reporting of any information identified by the consumer as resulting from alleged identity theft within four business days of receiving : 1 ) appropriate proof of the consumer 's identity ; 2 ) a copy of an identity theft report ; 3 ) identification of the disputed information by the consumer ; and 4 ) a statement from the consumer affirming that the information does not relate to transactions made by them. 

AFFIRM INC Account numberXXXX AFFIRM INC Account numberXXXX AFFIRM INC Account numberXXXX
Product: Debt collection

To Whom It XXXX Concern, I am writing to dispute a fraudulent account appearing on my credit report from Debt Recovery Solutions, with an opening date of XX/XX/year>, and a balance of {$370.00}. This account is not mine, and I believe it is the result of identity theft, potentially linked to the exposure of my personal information in the XXXX data breach. 

This is not a request for validation. I am asserting my rights under federal law as a victim of identity theft. This debt is fraudulent, and I am demanding that it be permanently removed from my credit report. 

Legal Basis for My Request : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I have the right to request the removal of any information related to accounts resulting from identity theft. 
The credit reporting agencies are required to block this fraudulent information within 4 business days upon receiving proof of identity theft.

You may not require validation of the debt from me. The law requires removal when there is a valid identity theft claim.

Supporting Information : This account is fraudulent ; I did not open it and do not owe this debt. 
My personal information was compromised in the XXXX data breach, which has exposed me to potential fraud. 
Actions Requested : Immediately remove this account from my credit report as required by 15 U.S.C. 1681c-2.

Send me written confirmation that this account has been deleted from my file. 
Do not reinstate this fraudulent account unless you provide me with written verification, per the FCRA. 
I expect this account to be blocked and removed from my credit report within 4 business days as required by law. Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My whole XXXX was stolen from me while I was in prison in XXXX but the bank keep saying I dont have any evidence??? How ever I will be getting the assistance I need to retrieve my money
Product: Credit reporting or other personal consumer reports

**Complaint to the CFPB** **Your Information : ** - Name : XXXX XXXX - XXXX : XXXX XXXX XXXX, XXXX, GA XXXX **Complaint Details : ** To Whom It May Concern, I am writing to formally dispute an item on my credit report. Despite my previous attempts to resolve this issue, it remains unresolved. 

**Disputed Item : ** - Dispute Reference Number : XXXX - Court : XXXX XXXX XXXX XXXXXXXX - Case Number : XXXX **Details of the Dispute : ** I have previously disputed this item with Experian and XXXX. In response, both agencies verified the item as accurate, stating that they have verified the information with the court. However, upon contacting the court, I was informed that they do not report to either of these credit bureaus. I have enclosed their response for your reference. 

Your initial responses verifying the item with the court were either errors or misrepresentations. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), the reporting requirements have not been met, and the information must be deleted immediately. 

Additionally, I would like to bring to your attention that my bankruptcy is not listed in my XXXX or XXXX XXXX report. This discrepancy between credit reports is not in compliance with the FCRA 's requirement for maximum accuracy. This further supports the inaccuracy of the information being reported on my credit report. 

I request that you take immediate action to remove the incorrect items from my credit report. 

Sincerely, XXXX XXXX
Product: Bank account or service

* I was deceptively enrolled into the PayPal Credit Program without my knowledge. 
* I requested the Account be closed - PayPal Credit did not close it for 6 months during which more Fees seemed to accumulate. 
* I was billed erroneously and charged unexplained Late Fees. 
* I requested and was told I would receive documentation on these Fees at least XXXX times - I received nothing. 
* Their Collections people called and offered " pay off '' amounts but would NOT issue a letter indicating the " pay off '' would result in the matter being settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
Product: Debt collection

Midland Funding has put on my credit report saying I owe them {$4400.00} dollars and changed the date of when I opened an account as XXXX XXXX, XXXX. I never opened any account back in XXXX the whole year for credit card or anything. I think this possibly is an old debt back with XXXX XXXX in XXXX so they have no right to put this negative information on my report. I want them to delete this inaccurate information ASAP so I 'm sending this to you and also will send them a Debt Validation Letter.
Product: Vehicle loan or lease

Credit Acceptance told me they were sending me a form to dispute the 90 day late on my credit report. I have not yet received that form. they reported me 90 days late in XXXX on my credit. This is ridiculous, how can I go from OK to 90 days late? they said I was in a Coronovirus Relief Program. This is not helping me as a consumer. I DEMAND HELP!
Product: Credit reporting

Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # 1234, has violated my rights.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I went to Navient 's website and click through the repayment options, their website came back with a estimated payment of roughly {$400.00}, which is doable for me right now. Their website then directed me to the studentloans.gov page to complete the paperwork. When that came back a couple of days later the payment was close to {$700.00}. I called Navient to say that 's not what I agreed too and that 's not what I want. They refused to do anything unless I gave them {$500.00}, I felt like I was being shaken down by the mafia. They have a option I can afford, but are strong-arming {$500.00} out of me to get to the payment their website said it would be.
Product: Credit card or prepaid card

I applied for a Capital One Journey Credit card in 2013. I went over the credit limit available on the card. Capital One took it upon themselves to take adverse action against me by closing my account without my permission, and properly notifying me which has not been clearly disclosed to me that if I go over my credit limit the account will close without needing my permission. Capital One also furnished negative information to Consumer Reporting Agencies ( XXXX, XXXX and XXXX ) harming me and damaging my reputation. I Disagree with the information Capital One Furnished to the CRA 's. Capital One did not inform me properly of the use of credit nor did i give written permission to Capital One to Furnish any information about me to the Consumer Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX  L for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

A just got copy of my credit report and seen a fraud account on there frm collection I don't no dis company are never did business with them I tried to dispute XXXX acct XXXX XXXX XXXX don't no them never did business with them dis account was open up by XXXX in my name I tried dispute dis collection account to have them remove it because it's XXXX and give XXXX send me proof fa who u talk to because XXXX report a XXXX acct on my credit file and I heard XXXX