23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally dispute the legitimacy of an account reported under my name and held with your institution. Upon further review, I have identified substantial violations of the Truth in Lending Act ( TILA ), which require immediate rectification. The findings indicate that the account in question is fraudulent, as the fundamental obligations for clear and transparent disclosures under TILA were not fulfilled. Specifically, SALLIE MAE BANK INC failed to provide the following mandatory disclosures as required by federal law under TILA : 1.Inadequate Disclosure of Terms and Conditions : The agreement associated with this account did not include complete and accurate details regarding the loans terms, including interest rates, fees, repayment schedule, and penalties. These omissions left me without a clear understanding of the financial obligations tied to this account. 2.Failure to Ensure Full Understanding and Authorization : The application process and subsequent agreement were executed without verifying my consent or ensuring my comprehension of the financial terms. There is no evidence that I authorized the opening of this account. 3.Non- Compliance with Initial Disclosure Requirements : TILA mandates that lenders provide borrowers with all required disclosures before consummation of the agreement. The absence of these disclosures violates my rights and renders the account illegitimate. Given these significant violations, I assert that this account is fraudulent. I demand immediate action to resolve this matter and restore my financial integrity. Requested Actions : Immediate Investigation : Conduct a thorough review of the account to verify its authenticity and identify where compliance with TILA failed. Account Closure and Removal : Acknowledge that the account is fraudulent and take immediate steps to close it. Ensure all references to this account are removed from your systems and any third-party reporting agencies, such as credit bureaus. Written Confirmation of Resolution : Provide me with a written acknowledgment that the account has been deemed invalid, along with confirmation that no further claims or liabilities will be associated with this fraudulent account. To assist in your investigation, I have enclosed copies of relevant documentation, including my government-issued ID and a FTC report attesting to the fraudulent nature of the account. 

SALLIE MAE BANK INC XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX, 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 and purpose.
Product: Credit card

This account is a result of id theft. i never agreed to this nor gave anyone permission to use
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX partial account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION MODERN ADJUSTMENT BUREAU XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the XXXX XXXX XXXX XXXX to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible. I am unable to buy a house or do the things I want to do because of the fraud on my report. ITEMS IN NEED OF DELETION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Summary : Two Incomm issued XXXX prepaid cards I purchased on XX/XX/XXXX and XX/XX/XXXX were either faulty or tampered with. Incomm had promised resolution of this case within 30 days but has exceeded that deadline, and have not even responded or confirmed that they have received my case documents. 
Incomm Provided Case Number : XXXX On XX/XX/XXXX : I purchased a Visa Gift card from XXXX. 
On XX/XX/XXXX : I purchased a second XXXX gift card from XXXX. I opened both gift cards and noticed signs of damage inside the packaging, including marks on the cards and used sealant glue. I attempted to use these two cards at a store and the magnetic stripes on the cards were not able to be read. I called Incomm customer support at XXXX and filed a case to report the cards as tampered with. I was provided with a case number and asked to email photographs of the cards and receipts to Incomm at XXXX, which I did immediately. Incomm 's customer support representative provided a timeframe of 10-30 days for the case to be resolved and replacement cards to be mailed. 
On XX/XX/XXXX : I had not received a confirmation of receipt of my email or any other contact from Incomm. I called Incomm at XXXX and asked them to confirm that they had received the requested documents from me that I had emailed already on XX/XX/XXXX. The representative said they could not provide confirmation that the documents were received. 
On XX/XX/XXXX : I received an email from Incomm requesting the documents for my case. As stated, I had already emailed the documents on XX/XX/XXXX. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. 
On XX/XX/XXXX : I resent the documents to the provided email address from Incomm and asked that they respond to the email, so I could confirm that they were receiving them. I enabled " read receipt '' of the email and got a notification the email was read. 
No other communication between us happened outside these dates.
Product: Debt collection

Consumer Financial Svc in XXXX Florida is reporting wrong information in my XXXX  report my car loan was discharged in a chapter XXXX and they are reporting late and balance of {$5000.00} I tried to contact them but I get no answer
Product: Prepaid card

My account was closed without notification and that is a breach of contract. They had access to personal information and should have notified me before closing an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights. 

Under 15 USC 1681 section 602 A. States I have the right to privacy. Law also states a consumer reporting agency can not furnish a account without my written instruction. I did not give Experian written permission to furnish these accounts. 

Experian is govern by 15 U.S.C 1681. Section 604 A Section 2 : And they has violated my rights numerous of times. I demand the account listed below be removed because In accordance with the fair Credit reporting Act XXXX  account ; XXXX XXXX  Account listed as XXXX, XXXX with account number listed as XXXX and XXXX XXXX XXXX XXXXXXXX has no associated account number listed, has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS NOT CORRECT ON EXPERIAN SEE LETTER OF EXPLANATION ATTACHED
Product: Payday loan, title loan, or personal loan

This debt has been satisfied. I am receiving threatening phone calls from this lender- threatening to take me to court and ruin my credit if I do not make additional payments. I should not have to pay the same bill twice! Loan was for {$500.00} and already paid. Why are they still calling me? It is harassment and I need help to stop the harassment and recollection attempts for debt that is already paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Incorrect Items I am writing to formally request the removal of certain items from my credit report and to address inaccuracies related to My personal information is as follows : PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX NEVER LIVED IN ALABAMA Furthermore, under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens.

PLEASE REMOVE OFF MY CREDIT ASAP!!! 

PLEASE REMOVE UNITED STATES XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Please conduct a comprehensive investigation and update my credit report accordingly, as stipulated by the Fair Credit Reporting Act. 

Enclosed are copies of supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Accelerated Receivable Solutions had me served on XX/XX/2020 for debt that had been paid in full on XX/XX/2020. When I called concerning the summons they assured me without proof that they had corrected the issue and that I would be receiving notification that the court summons had been reversed. I have never received that correction and I am still on the Docket with the XXXX County Court for debt already paid in full. Today when I called the agency, contrary to collection laws, they failed to identify themselves on the phone, failed to identify who they were, asked questions concerning the issue prior to announcing that they would be recording the phone call or that it was an attempt to collect a debt. Then after assuring me over the last several phone calls that all debt had been satisfied, suddenly had hold debt that I had never been notified about in writing in their office and demanded payment. They have to be prompted numerous times to send receipts for proof of payment, and they refuse to send proof of debt when it is requested. Collection laws clearly state they must identify themselves at the beginning of the phone call with first and last name and what the organization is, that it is an attempt to collect a debt and that they are recording you, and this can not wait until after they have talked and badgered you for 10 minutes. Additionally ARS is charging a 30 % processing fee ( XXXX  dollars to even take payment on a debt they never notified me in writing upon receipt in their office ). And they stated on the phone that they had the debt in their office for a couple weeks, which meant they were sitting on the debt contrary to collection laws to accrue additional interest before notification. However I have never received notification from this company for any debt, instead I find it on my credit report and have to investigate and locate them. This is also a violation of the credit collection laws in that they are making no attempt to notify the person responsible for the debt that they have acquired it. XXXX  XXXX  XXXX, and XXXX XXXX have stated through their financial officer that they immediate send the debt to the credit company on the day that they bill the consumer, and in many instances its a fight to get one or the other company to recognize that bills have been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a store credit card through Wells Fargo for a Mini Blind company that installed some window coverings in my home. This card has been very difficult to set up as auto payment. On several occasions i have worked with the customer service department from Wells Fargo to try and set up auto debit. i am unable to set it up on my own since i do not have the credit card issued to me. I was told the first time back in XXXX that a new card would be mailed out and i could set up auto pay myself online. This did not happen. I got a call from a rep that the payment was doing to be late, so i had the rep help me submit payment over the phone and then asked again if she could help me. She this time said she could submit a request and it should work. I feel like this issue is finally resolved and fined out in XXXX that the payment is going to be late 30 days if i do not pay it over the phone. Please keep in mind all of these conversations with a rep are from the XXXX. Frustrated, i tell her to pay for both months payments, the previous month that is at risk and the next month. then i ask to be transferred to a United States rep or supervisor. The Agent does and this is why im told that since the payment is being submitted on the 29th day, there is a chance it will process and be reported late 30 days. I advised the rep that this is not fair to me since im paying it within the time limit and my records should already show how much of a struggle this account has been. I still do not have a actual card mailed to me and i do not have faith in the resolution of another attempt at setting up auto payment. 

She assures me that she is going to send my escalated requested to their department that handles credit reporting. 

when i finally get a chance to speak with the escalation agent XXXX. She tells me that she would have to go back and try to listen to the calls but it doesnt look like there are any recorded calls for my account in the past. 

i feel abandoned and given the short end of the stick here. My credit report has a 30 day late and this has caused my credit report to drop 47 points. This has impacted my ability to refinance my car and my home. 

I really need your support here to help resolve this matter.
Product: Debt collection

This debt was taken off my XXXX credit report, because it was a falsely reported item that was in another persons name. I had to hire an attorney to do so. During the process to acquire a mortgage, I noticed that the debt had not been deleted off of XXXX or XXXX. I called Data Line Credit Corp, to request a deletion letter. A man who answered the phone, once he had my account number, proceeded to tell me that he never deleted the debt, and if i thought that was happening, I should " shut my XXXX mouth and try too live my life right, because he was going to sue the XXXX out of my XXXX and I would not have " a dime to jingle '' after he '' took my XXXX XXXX nickels that I had to rub together. '' I calmly stated that I just wanted another letter of deletion, as he had already provided XXXX to the credit bureau, at which point he shouted " you can not record me XXXX and hung up.
Product: Checking or savings account

While I was XXXX, checking accounts was open and NSF checks was deposit into these accounts for funds. The dates each account was opened I provided a sentence order from the court showing the dates I was sentenced to XXXX. I also provided a XXXX  XXXX  showing my XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this infromation unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted ( 15USC 6802 ( A ) ( B ) also permissible purposes ) violations. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, this is grounds for a law suit. IM respectfully request Discover Bank be deleted like they were deleted XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed mistakes on my credit report concerning 15 USC 16c-2. The inquiries shown were not authorized by me, and they are harming my credit. I request the removal of all unauthorized hard inquiries. Thank you.
Product: Debt collection

This account was previously deleted and has been reinserted on my XXXX credit report without notifying me. 
Midland credit management XXXX XXXX {$2600.00}. 

This item was originally deleted from my credit in XXXX.
Product: Money transfer, virtual currency, or money service

All monies reported to be refunded. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed 3 rounds of dispute letters last one dated XX/XX/XXXXXX/XX/XXXXto both XXXX  and Equifax credit bureaus via certified mail to verify ( 2 ) accounts XXXX XXXX and XXXX XXXX from XXXX and ( 1 ) XXXX XXXX  from Equifax. Because this was not accurate information I asked for them to please send me a copy of the original creditors documentation on file to verify that this information is mine and is correct. Each time they failed to do so under the FCRA and sent me my dispute results as being verified. My question to them was how did you verify that this is accurate when you didn't send me proof. 

XXXX  also sent me my results dated XX/XX/19 that they have deleted XXXX XXXX but as of XX/XX/XXXXXX/XX/XXXXit was reinserted back on my credit report. This is a violation because I did not receive from XXXX an reinsertion letter within 5 days after it was put back on my credit report informing me of this. I sent a letter dated XX/XX/XXXX demanding to delete this because of their violation and yet again they came back with this item has been verified. 

Because of there failure to do so, I would like to file a complaint with you for both XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX {$540.00} XXXX   XXXX {$1200.00} XXXX XXXX {$24000.00}
Product: Debt collection

I had a open account with XXXX that was fraudulently opened by someone. I submitted the XXXX fraud packet and have not had a response from XXXX. I did not approve the account to be opened and I was charged with an account in my name that I did not open or approve of. I asked that this account be investigated and that it be erased from my record. I did not approve of this account nor did I know that it was open and that is unfair to me and my identity, I have not received a response from XXXX or the erc collection agency.
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.

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : 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: Credit reporting or other personal consumer reports

I am writing to formally request a review and update of my XXXX  XXXX and XXXX XXXX  accounts on my credit report. These accounts should be active and reflect all monthly payments as up-to-date. Both accounts are critical to accurately representing my credit history and rental payment reliability. 
Details of the Accounts in Question : XXXX. XXXX  XXXX : Ensure this account is active and reflects all monthly payments as reported. 
XXXX. XXXX XXXX  : Verify that this account is active and accurately reflects all up-to-date monthly payments. 
I kindly request that you investigate these accounts and confirm their proper inclusion on my credit report. If additional documentation or verification from these companies is required, please notify me so I can assist in facilitating the process.
Product: Credit reporting or other personal consumer reports

I sent a letter to Transunion and asked for validation because what they are allowing these companies to report are inaccurate they sent me their investigation and said those accts are verified and accurate. And according to 15 USC 1681 ( 5 ) | see it states after any 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 credit bureaus did not reinvestigate and violated my right. 

XXXX XXXX number- XXXX is completely inaccurate and they updated this account to new inaccurate information this credit line was for XXXX I used this account and was only able to pay which the account was paid in full I could not access this account and they have no support available besides email. They were continuously charging me their fees for a account that was up to date paid in full I cant even access and haven't had access to for about 2 years now this is so unfair. 

XXXX XXXX XXXXXXXX XXXX I closed this account because all of my accounts with this bank were hacked I reported this issue they bank even gave me new accounts this investigation could not been properly done. 

XXXX XXXX XXXX everything about this account is wrong its not mine and I cant even get information to this account they told me I was giving them the wrong address and personal information so what information is the company using at least help me help myself. 

XXXX XXXX XXXX XXXX I've sent out certified mail to validate date the keep calling harrassing me instead of sending information i request to verify deby now the are saying the debt is for a minor child which and refuse to send information by mail because I rather not argue with their rude customer service reps. 
XXXX XXXXXXXX This information is wrong XXXX XXXX XXXX This account is not mines and I've been transferred and referred to so many other parties that were not able to help me so what did this company use please help me understand. 

XXXX XXXX XXXX Account not accurate