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

I am writing to inform you that I have been a victim of a data breach and identity theft. As a result, several fraudulent accounts and inquiries have been added to my credit report without my knowledge or consent. I am requesting, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you block and delete these accounts and inquiries from my credit file immediately.Below are the fraudulent accounts I am requesting to be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX. XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX. XXXX XXXX XX/XX/XXXX {$10000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX. XXXX 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 NA XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I sent XXXX XXXX XXXX a certified letter for verification that was signed for on XX/XX/2020 asking this collector to verify that the account they are reporting is verified with the original contact I have with them bearing mysignature, instead they only sent a letter back saying it was verified. XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon further research, Debtor 's creditor did not verify this collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This is in response to complaint XXXX. In your letter which I will attach, you stated that you submitted a request change XX/XX/2023, yet XXXX, XXXX, and XXXX are still reporting inconsistent information. How is this not a violation of the FCRA that XXXX shows that this account was paid off while XXXX reports XXXX late payments, and XXXX report XXXX late payments? The evidence will show that Covington Credit conducted gross misconduct, negligence, fraudulent and incorrect reporting. This complaint alone is more than enough proof to sue your company. Please reference my other XXXX complaints in which I am keeping a paper trail and remove this incorrect account XXXX. This complaint is my final communication regarding your claim that the account mentioned is being reported accurately. Being that I have already tried to get this information fixed months ago, I am moving forward with filing a statement of claim to sue for defamation of character and violation of the FCRA. I will be seeking actual damages of {$30000.00} for mental anguish. Your incorrect credit reporting has caused me mental distress, denial of credit, and judgement of character. I am attaching a most recent copy of my credit report to show the inaccurate information. The following account is to be removed from my credit report within 14 days due to false and misleading information : COVINGTON CREDIT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) RE : Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX {$150.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX XXXX XXXX {$560.00} POSTED XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$380.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / XXXX XXXX XXXX {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX. XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX }
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There were debt on my account that is a sibling that has the similar social security and name as me and is reported by the credit bureau to my credit profile, i have had to get a lawyer in the pass to get this issue resolved. Also my car was broken into and as a result my information was used due to fraud,
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies refuse to remove information that is not mine on my credit reports
Product: Debt collection

XXXX XXXX debt was paid in full to original creditor XX/XX/XXXX. I was told by original creditor debt would be removed within 30 days by TSI collection agency on two occasions by phone in XX/XX/XXXX and XX/XX/XXXX. Received collection notice debt paid in full with a XXXX  balance from TSI transworld systems XX/XX/XXXX. Account is still reporting on all three credit reports after being told it would be removed in XX/XX/XXXX it is now XX/XX/XXXX.
Product: Student loan

Since XXXX of XXXX Firstmark Services has continually misallocated my payments and miscalculated the interest I owed on my loans. In XXXX I requested my loans be place in deferment while I returned to school for my master 's which Firstmark did. Since then, I have been making payments about monthly to pay off all interest accrued on all four of my loans. I noticed in XXXX of XXXX that the amount of interest I owed each month was increasing very rapidly so I reached out to Firstmark. At first they told me that this was because I had not paid off any of the interest on one of my four loans since XXXX. I replied with my confirmations of payment to prove that I had been paying the interest on this loan, as well as all of my other loans. Firstmark responded that they would reallocate my payments as they should have been in the first place. In XXXX, I noticed the same issue with my interest rate accruing faster than it should have and reached out to Firstmark once again, with proof of my payments. I recieved a reply on XX/XX/XXXX that my payments would be reallocated properly. My last payment was on XX/XX/XXXX. With the calculations provided by Firstmark, I should owe {$540.00} as of today, XX/XX/XXXX, however according to my account I have accrued {$830.00}. I am not sure how this could be accurate. In addition, although I have been paying off the interest each month, multiple times paying more than was actually owed due to Firstmark 's miscalculations, my loan balance is increasing which does not make sense as I have not taken out any additional loans with them and all of the interest is being paid monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$2000.00} written off. {$1900.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine 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
Product: Credit reporting or other personal consumer reports

**Re : Complaint Against Credit Reporting Agencies for XXXX XXXX Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report.

1. **Description of the Problem : ** On XX/XX/2023, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively i

mpact my credit score and financial opportunities. 2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agenci
es on XX/XX/2023 and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes.

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.
Product: Checking or savings account

First, a little background. Wells Fargo closed my account in 2019 and wouldn't refund the {$900.00} that was in it. I sued them in court. The Court found that they closed my account wrongly. The Court also awarded damages to me. I won although they haven't quite paid me everything yet. Not surprised at their behavior. 

The issue I am wanting assistance with right now is the fact they Wells won't provide my bank statements to me which I need for another reason. Had they not closed my account without warning in 2019, I would still be with them and still have access to my financial info. 

I have called them. Wells told me that they don't have access to my bank statements anymore. They told me it's too late. However, they are just choosing to be difficult. We all know they have to keep this info for some time.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of JPMCB Card Services Account Due to FCRA Statute of Limitations Dear XXXX XXXX XXXX  , I am formally disputing the reporting of an account on my credit file that violates the Fair Credit Reporting Act ( FCRA ) statute of limitations. The details of the account are as follows : Creditor Name : JPMCB Card Services ( Chase ) Account Number : XXXX ( last XXXX digits ) Balance Owed : {$8900.00} Account Status : Charge-Off Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) Under the FCRA ( 15 U.S. Code 1681c ), charge-off accounts must be removed after seven years from the date of first delinquency ( DOFD ). Based on my records and the details in my credit report, this account exceeds the reporting period allowed by law. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX fail to perform an investigation and delete the disputed information. I request that XXXX immediately investigate this matter and remove the JPMCB Card Services account from my credit file in accordance with federal law. Please provide written confirmation of your findings and any actions taken. 

Enclosed, I have attached : A copy of my credit report showing the account in question. 
A copy of my identification for verification. 
Please conduct this investigation within the legally required 30-day timeframe and update my credit file accordingly. I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX [ Your Name ]
Product: Debt collection

I received a letter today XXXX/XXXX/XXXX from Nationwide, attempting to collect a debt I do not owe. " XXXX '' from Nationwide had called me on XXXX/XXXX/XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, attempting to collect debt that I do not owe ( please see CFPB complaint, # XXXX ). I informed XXXX that I had filed a complaint against XXXX with the FTC, under the Fair Debit Collections Act ; I told XXXX that her company is to never contact me again about this, and if they do, I will file a complaint against Nationwide. Here is the history, as denoted in the above-mentioned complaint ... 

On XXXX/XXXX/XXXX I called XXXX and spoke with " XXXX '' and cancelled my policy, effective same day. On XXXX/XXXX/XXXX I realized that XXXX had billed my bank account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for premiums of {$45.00} each time. I called XXXX, spoke with " XXXX '', who confirmed that XXXX had closed the account on XXXX/XXXX/XXXX but had not deleted my payment information. XXXX put me on hold and then confirmed she had just deleted my payment info. I requested a refund and she said she is unable to do this, that I would need to speak with a different department during office hours. I then called XXXX XXXX XXXX to dispute the charges and request that all future charges be denied as unauthorized. I spent a total of 2 hours on the phone that day. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX informing me that my dispute was considered valid ( see enclosed ) and crediting my account. Subsequently, I received several letters from XXXX, first threatening to close my ( closed ) policy due to non-payment. Then 2 weeks ago I received a letter threatening to send me to a collection agency. So that day ( XXXX/XXXX/XXXX? ) I called XXXX ; I was on hold for 30 minutes without ever speaking to a representative, before hanging up. During that 30 minute wait, I went online and filed a grievance with the FTC against XXXX for violation of the Fair Debit Collections Act ( Reference # XXXX ). I then drafted a courtesy letter to XXXX to inform them of the grievance ; I mailed it XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received the Collection phone call from " XXXX '' at Nationwide. Despite my providing her with the above information, and telling her that her company is to never contact me again, and informing her that I would update my grievance with the FTC to include her call, Nationwide has now sent me a statement, for MORE THAN the amount that was initially paid, refunded, and sought. I am now filing this grievance against Nationwide.
Product: Credit reporting or other personal consumer reports

I'm writing to dispute negativity on my credit report. The following accounts listed below do not belong to me and need to be deleted or blocked.In the statue I noticed you require a documentation. I contacted my local law enforcement office and they informed me they no longer report these crimes. They instructed me to go to the website identitytheft.gov & fill out a report online. I was also instructed to inform my bank. My bank is fully aware of this issue & has agreed to remove the items but need you to assist in the process. I'm including this reports in my letter to help substantiate my claim. 

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

To whom it may concern I pull a copy of my credit report after I was denied credit. I found out that I had alot of hard inquires that I didn't do as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also filed a complaint which I have attached to my claim.
Product: Mortgage

In XXXX I entered into a Two Step Mortgage Modification Agreement with loan serviced XXXX XXXX XXXX. The terms included principal reductions in 3 increments upon the XX/XX/XXXX anniversary of the modification in XXXX, XXXX and XXXX. The loan is now being serviced by Fay Servicing and they have not complied with the deduction of the final XXXX principal reduction. I have called, mailed and emailed documents. It is XX/XX/XXXX, an 8 week delay from the XX/XX/XXXX anniversary date. 
Also, the Loan is still being held in the incorrect Title of The Estate of XXXX XXXX, an entity which ceased to exist in XX/XX/XXXX upon the closing of my late husband 's Probate. I have made repeated requests to have this switched to the XXXX Family Trust. This inaccurate reporting creates a hardship for me to cash checks such as the Escrow overage as the check was written to a closed entity. 
I have attached the Loan Modification Agreement as well as evidence of the XX/XX/XXXX and XX/XX/XXXX principal reduction credits.
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by Experian and XXXX on my credit report. The account details are as follows : XXXX XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting a collection on my credit report that originated with XXXX XXXX but was sold to a third-party collection agency in 2013. ( Please see page 8 of the attached credit report ). However the date of last activity is over 7 years old and this reporting is a Fair Credit Reporting Act violation. This incorrect reporting is harming my credit score.
Product: Money transfer, virtual currency, or money service

I have wired {$3400.00} from my account in Chase Bank on the XXXX of XXXX to my cousin XXXX XXXX in XXXX XXXX. The receiver account details are the same and have not changed. I have wired money to him before for family expenses and he always received the money within a week. Chase debited money from my account on the XXXX along with the wire fee and told me that they sent the money. Up to this day on XXXX, my cousin bank never received the money. My cousin did not receive the money and my cousin check again today and they did not received the money. I called Chase and they said that the money was sent to XXXX bank for transfer. I am asking that Chase refunds my money and credit my account because the money was never sent to the XXXX XXXX XXXXXXXX.
Product: Debt collection

I disputed the {$50.00} amount with XXXX  and the representative verified that it would be waived as a one-time courtesy. Now, I am getting collection letters regarding the amount. You can see that I paid the original toll, as I was required to do so in the dispute. I am, however, still receiving bills for the {$50.00} that escalated to Professional Account Management. I see no way to dispute it on their website.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!