23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

SchoolsFirst Credit Union Attention : Disputes and Fraud Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Immediate Removal of Fraudulent Credit Card and Personal Loan from Credit Profile Dear Sir/Madam , I hope this letter finds you well. I am writing to formally notify SchoolsFirst Credit Union of fraudulent activities related to my credit profile. It has come to my attention that a credit card with the number XXXX and a personal loan with the number XXXX have been unlawfully opened under my name. I respectfully request that these fraudulent accounts be removed from my credit profile immediately. 

On XXXX XXXX XXXX I discovered the presence of these fraudulent accounts and I took swift action to address the issue. I have already filed a detailed police report [ Copy of police report attached ]. Additionally, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) to initiate an investigation into this matter [ Copy of complaint confirmation attached ]. Based on the supporting evidence provided, it is clear that I am a victim of identity theft, and I have taken all the necessary steps to rectify the situation.

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Section 611 ( a ) ( 2 ) of the FCRA states that credit reporting agencies should promptly investigate any disputed information and remove it if found to be inaccurate or unverifiable. I kindly request that SchoolsFirst Credit Union adhere to the responsibilities outlined by the FCRA and promptly remove these fraudulent accounts from my credit profile.

I understand that investigating this matter thoroughly may take some time. However, given the nature of the unauthorized accounts and the actions I have already taken, I would appreciate your commitment to resolving this issue as quickly as possible. I would also appreciate regular updates on the progress of the investigation and confirmation once the fraudulent accounts have been removed from my credit profile.

I trust that SchoolsFirst Credit Union is committed to ensuring the accuracy and integrity of credit reporting. I am confident that you will handle this matter with the utmost professionalism and diligence. Please feel free to contact me at [ Phone Number ] or [ Email Address ] if you require any further information or if there are any updates regarding my request.

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.

Sincerely,
Product: Credit card or prepaid card

I made a {$500.00} payment that posted XX/XX/XXXX to my Best Buy Credit Card. I noticed recently, when I checked my credit reports, after I made my Best Buy credit card payment, that my card was reported closed on all three credit reports. I called numerous times to try to get a hold a customer service at Best Buy and was able to get a hold of an actual person three times, but they were all unable to explain or inform me as to why my card was closed and kept telling me to call back, even though they were aware of how many times that I had already called and I informed them of the impact it would have on my credit score and that I was having difficulty getting through to speak to anyone.
Product: Mortgage

got sick in 2016 and i have no place to go i am a edley man and it is very cold side
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am repeatedly being called at approximately XXXX am and/or XXXX am by a company called Transworld Systems . I have repeatedly requested this stop, but they have just started calling more often.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found that several of the accounts on my XXXX, XXXX and Experian accounts were put on there without my consent. According to 15usc 1681b ( a ) 2 In accordance with the written instructions of the consumer to whom it relates and 15usc1681 ( a ) i report containing information solely as to transactions or experiences between the consumer and the person making the report. Affidavits have been sent to each reporting agency. Accounts that are in question are : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called XXXX XXXX. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Transunion to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.
Product: Vehicle loan or lease

I purchased a vehicle with a company using this finance company. Driving the vehicle, after having it for two years and almost being paid in full never missing a payment, and giving all income tax checks for two years, the motor completely blew up on the side of the road.  XXXX had vehicle towed to local mechanic where it was held for two weeks. I spoke back and forth with general manager, and they would not agree to trading it back in for another vehicle. Instead they insisted that I pay the nearly 5 thousand dollars extra to have a complete new engine put in, and refinance for 4 more years on top of what was still remaining in original loan. Once we stated that it was a bad idea we never heard another word from anyone at XXXX, or was ever made aware of the debt placed.
Product: Debt collection

Spire Recovery Solutions is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to Spire Recovery Solutions so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. I have previously made requests for validation and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. Spire Recovery Solutions has no legal right to access my email and has not provided validation of debt. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information with permission. I hereby request cease and desist. As stated before this is illegal.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a XXXX transfer of {$210.00} through my mobile Bank of America app, to a believed to be legit business on XXXX known as, XXXX XXXX. 

On XX/XX/XXXX I made another transfer to XXXX  XXXX  for shipping cost through USPS. 

On XX/XX/XXXX I received the goods purchased through XXXX XXXX, the site advertises selling authentic name brand clothing and shoes. Upon opening the product, I realized the provided product was what I ordered nor was it authentic. I immediately contacted the seller, approximately 3 hours after the delivery. I told the business that I will be returning their product back to them the same day and that I would like a refund. The business had since continued to respond to my email, but will not ensure my rightful refund. 

This same day I contacted Bank of America, the specialist on the phone gave my a number to talk with the disputed charges team for XXXX. I told the specialist that I do not understand why if I sent my money from Bank of America why I needed to go through someone else for my name. It is the weekend and I am unable to call XXXX, and Bank of America has not offered any help as to how I can get my money back. I have reported this business to the FTC and will also be filing a police report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the XXXX XXXX XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.
Product: Debt collection

I bought a used XXXX XXXX car XXXX ( plate was XXXX before XXXX sent new XXXX XXXX ). My husband XXXX XXXX and I have a XXXX account that is replenished automatically XXXX our XXXX card ( ending in XXXX ). We have no idea if was because of the plate or transponder not working but XXXX bridge crossings XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX did n't register. We spent a lengthy amount of time with XXXX resolving the issue ; them admitting error, apologizing and assuring us that it all was good and settled. 3 months later I started getting collections notices from PAM ( their dept agency ) and has been an unending nightmare ever since. I have done everything they said to DISPUTE the charges - that are now XXXX the toll, XXXX charges of $ XXXX each, total {$220.00}. PAM will not let me talk to XXXX, or access records of our conversations. XXXX PAM employee said I should just XXXX it up and pay the charges even though it not right or fair. Is that what you suggest? Do I have any recourse other than hiring a lawyer, which I sure will cost me more than {$220.00}. Please let me know, XXXX, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year ( XXXX ) I pulled a copy of my credit report and noticed several errors on my credit report with Experian. I wrote them a simple request to verify, validate and correct the errors that I found on my report. I sent over a certified letter that I had notorize so that they understood that this was a serious violation of my rights. Experian, in turn responded with a vague response and made some minor corrections and for the most part ignored most of the items that need to be corrected with a response that they verified and that it was certified to them to be correct.

Interestingly enough, to my surprise Experian actually added even more inaccurate derogatory information to my file. Such that I dropped my credit score well below 500. This is simply unacceptable. I have instances of reaged accounts, unverified derogatory information, outdated demographic information and the most damaging part is Experian added 24 charge offs to 2 of  my student loans that are in forebearce due to the Covid Cares Act. In addition to adding a charge off for each month starting from XX/XX/XXXX to present on 2 student loan accounts totally 48 charge off marks to my record. They also added a total of 23 reposession marks to one tradeline that I asked to verified. To date, they have not verified and  chose to add these derogatory marks to my file. 

I am a single mother and have never been turned down for an apartment. Because of experians negligence. I have recently as of this week been turned down because of the inaccurate and false information that Experian is providing> the other two bureaus are much more accurate and practice integrity. Its no secret that Experian has a track record of abusing poor consumers in an effort to profit from subprime lenders that fund them to handicap consumer files. I need this corrected as soon as possible! this is totally wreckeless on the part of experian.
Product: Student loan

I made XXXX payments to Mohela on my student loans in error on XX/XX/year>. I did this by cancelling my auto-pay ( since my loans were going into forebearance due to the pending litigation regarding the XXXX program ), and then making a manual payment to ensure my payment was not late. Apparently my auto-payment was initiated before I cancelled, so I paid twice. I was informed on XX/XX/year> by customer service that a refund was issued and I would receive it within 7-10 business days. I called again in XXXX as I had still not received the refund and was informed by customer service that the refund had been initiated in their system, but they were being informed that refunds were taking 23 business days to be processed. It has been 60 calendar days since this correspondence and I have yet to receive my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX.The account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX
Product: Debt collection

I am paying monthly amount of {$300.00} to debt collector https : //www.ldvlaw.com/ for the money I owe to XXXX XXXX cc, which I incurred when I was laid off/unemployed in 2009. I asked https : //www.ldvlaw.com/ to send or email me a monthly statement and they said they " do n't things like that ''. They also take a 10 % commission. I really would like to see what my balance is on regular basis. Please look into this matter and address this lack of accountability. <P/>XXXX XXXX tel. XXXX XXXX XXXX XXXX XXXX Nj XXXX
Product: Credit reporting or other personal consumer reports

Submission Date : XX/XX/year> Subject : Request for Complete Verification and Deletion of Inaccurate or Unverifiable Account Under FCRA Sections 609 and 611 Details of the Dispute : I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to request that XXXX, XXXX, and TransUnion verify the accuracy of the Dept. of Education/XXXX  account listed on my credit report. In accordance with my rights under Sections 609 and 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that each credit bureau take the following actions : 1. Chain of Custody Verification : Provide a verified chain of custody for the disputed account, including the transfer and handling details of any information shared by the original creditor.

2. Original Documentation with Wet Signature : Produce the original agreement for this account that contains my wet signature. Digital reproductions or records that lack this level of verification do not satisfy the requirements for verification under FCRA. 
3. Account Information Discrepancies : Remove any items that can not be 100 % verified, as required by law, including but not limited to inconsistent balances and inaccurate status updates.

The account in question : - Dept. of Education/XXXX ( Student Loan ) - Account Number : XXXX - Balance : {$40000.00} - Discrepancy : Late payments inaccurately affecting my credit score beyond FCRA 's permissible reporting limits.

Action Requested : I request that the CFPB enforce the following actions from each credit bureau : - Provide detailed verification for the account, specifically addressing the chain of custody and wet signature documentation. 
- Delete this account if it can not be verified to 100 % accuracy or does not meet FCRA requirements. - Confirm in writing that this unverifiable or inaccurate item has been removed from my credit reports if verification fails. 
I am attaching screenshots and supporting documentation for this disputed item to support this complaint. 
Thank you for your assistance in ensuring compliance with federal credit reporting laws and protecting my rights as a consumer. 
Sincerely, XXXX XXXX