23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I've informed trans-union to remove these negative items from my report that I didn't authorize them to place on my reports. They never removed them
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I disputed this account through credit karma stating this account is not mine and I never received any loan. I also double checked my FAFSA to make sure. I received no letter letting me know how they conducted their investigation and when I checked my results through credit karma it states they verified it is mine and will not remove it. 
This account is not mine and I refuse to pay a debt that is not mine according to 15 USC 1692
Product: Student loan

Submitted PSLF application in XX/XX/XXXX and was told I needed to make 84 more payments. Resubmitted application in XX/XX/XXXX and was then told I needed to make 36 payments. I have worked full-time for a XXXX for almost 15 years XXXX through XXXX and only needed to work for 10  years to receive forgiveness for my loans in the PSLF. I requested help with XXXX and they recommended I submit a reconsideration which was submitted on XX/XX/XXXX. 
XX/XX/XXXX - Completed reconsideration of PSLF with XXXX XXXX XXXXXXXX. 

Since this time, I have had no communication regarding the forgiveness of this loan or the receipt of the reconsideration. I have also applied for the SAVE program since waiting for a determination since I am currently unemployed. 
I contacted XXXX once again for help and they gave me this option to file a complaint about Mohela and Student Aid.gov
Product: Debt collection

On XX/XX/18, I received a " Pre-Legal Notification '' from XXXX XXXX XXXX XXXX XXXX stating that I owed {$2400.00} on an account ( reference attachments ). I never had an account with the original creditor, XXXXXXXX XXXX, and am not aware of any previous attempts by XXXX XXXX XXXX XXXX XXXX to contact me. I also confirmed through my credit report agency that there were no previous credit inquiries regarding this completely inaccurate account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, XXXX account # 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: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent items in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX US SM BUS ADMIN ODA Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX. showing on my credit report. I, therefore, request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Mortgage

Refinanced my home on XX/XX/20 with New Rez LLC/PHH ... decided to refinance with them because they XXXX currently held my mortgage loan ... thinking that most of the fees of the refinance that would be charged, would be waived or not needed because of they currently hold my mortgage loan. 
However they charged me extra fees for my taxes and insurances.PHH has contacted me to say that my loan with them is not paid off because there are insurance fees that are needed to be paid first.So I contacted XXXX XXXX, loan processor with New Rez He stated that XXXX XXXX ( my homeowners insurance co. ) had been paid twice. But XXXX is asking me to send monies to the title company to finish this refinance. But if they collected all the fees for taxes and insurance and XXXX was paid twice, that sounds like they owe me monies. I have contacted XXXX several times through email to straightened this issue out also to ask for ALL of my signed paperwork which I was promised after the signing but have not received as of yet
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX I filed disputes with the XXXX, XXXX  and Equifax. It was my understanding that they have to reply within 30 days of my dispute. They have not done so yet. It now going on almost 60 days which is unacceptable.
Product: Credit reporting or other personal consumer reports

I am very distressed that your company continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports you publish. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. I have disputed these accounts numerous times with the same inaccurate information being reported and not being deleted for inaccuracies. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

Three activities from XXXXXXXX XXXX have been reporting inaccurate information within the three credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 

Your improper procedures are highly damaging to my credit score. 
INACCURATE YOU MUST DELETE Not only the aforementioned this inaccurate account is reporting inaccurate and reporting inconsistent balances across bureaus which includes the 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached document of side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

No need to provide this inaccurate information to the creditor so then can now update the inaccurate and inconsistencies that you have allowed them to report to you company falsely manipulating my credit file. 

It is your responsibility to ensure XXXX percent accuracy which you have failed to do so. 

I demand these inaccurate accounts to be permanently deleted from my credit file. Disputes from XXXX, XXXX and XX/XX/2024 have all come back inaccurate you must delete. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JEFFERSON CAPITAL SYST add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYST has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting

I tried to get a security freeze on my account. After submitting everything, it said that " We are unable to process your request at this time ''. I tried again and it said the same thing. Even though it did n't process it and provide me the service, they still charged my credit card -- XXXX dollars each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to report that I was a victim of identity theft. I began to explain this to the customer service representative and she stated I first needed to complete a XXXX question process before she could update my credit profile. The customer service representative then transferred me to Equifax consumer satisfaction automated line; rating the satisfaction of the experience with Equifax system. After answering the XXXX questions the system disconnected me and the customer service representative never resolved my issue nor explain to her that I faxed a police report supporting me being a victim of identity theft. Please investigate Equifax illicit practices ; and I'm also a victim of their data breach. My information has been compromised due to their security breach. I truly don't trust them reporting nor storing my personal information.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Urgent Compliance Required : Breach of Fair Credit Reporting Act ( FCRA ) and Arizona Identity Theft Laws Dear SYNCHRONY BANK, I write to bring to your immediate attention a grave violation regarding the unauthorized reporting of information to my credit report, constituting a breach of both the Fair Credit Reporting Act ( FCRA ) and Arizona 's stringent Identity Theft Laws. 

It has come to my urgent notice that SYNCHRONY BANK has, without obtaining my explicit consent, engaged in the unauthorized reporting of information to my credit report. This action flagrantly contravenes the provisions outlined in the Fair Credit Reporting Act ( FCRA ), which mandate consumer consent as an absolute prerequisite for such reporting activities. 

Moreover, this unauthorized reporting also infringes upon Arizona 's Identity Theft Laws, as delineated in [ insert relevant sections ], which emphasize the critical importance of consumer consent in credit reporting and impose strict penalties for any unauthorized access or misuse of personal information. 

I wish to assert unequivocally that I have not provided consent for SYNCHRONY BANK to report any information to my credit report. This lack of explicit authorization represents a blatant violation of my rights and potentially exposes me to severe harm to my creditworthiness, demonstrating a complete disregard for both federal and state laws. 

Therefore, I demand, with utmost urgency, that SYNCHRONY BANK immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by the Fair Credit Reporting Act ( FCRA ) and Arizona 's Identity Theft Laws. Failure to comply with this demand within the stipulated timeframe will be viewed as willful non-compliance and subject SYNCHRONY BANK to severe penalties under applicable laws. 

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under both the Fair Credit Reporting Act ( FCRA ) and Arizona 's Identity Theft Laws. This is not a negotiable matter ; it is a clear directive for compliance with federal and state regulations aimed at protecting consumers like myself from the harms of unauthorized and damaging credit reporting practices. 

I anticipate your immediate and unwavering attention to this matter, coupled with prompt remedial action to rectify these egregious violations, in full accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and Arizona 's Identity Theft Laws.
Product: Mortgage

On XX/XX/XXXX, we submitted a complaint re : Planet Home Lending. The complaint was closed # XXXX as Planet HL wrote a letter and notified credit reporting agencies of their error. The letter corrected the XX/XX/XXXX payment but attached an AUD report form showing delinquency for seven months! Planet DID NOT own the loan for these months. 

This month we applied for a new mortgage and found that Planet HL still has not corrected the errors and indicates we were delinquent in our payments to them for seven months. Planet HL sold our loan to XXXX XXXX  and all payments were within timelines to XXXX, not Planet. After numerous calls, they agreed to open a case to look at the errors. We have not had a response from them at this time. 

This issue has gone on for 2 years! Its past time they get it fixed or we will take legal action.
Product: Credit card or prepaid card

I received a notice from XXXX XXXX XXXX/Synchrony Bank that Synchrony Bank has decided to close my account. The reason ( s ) listed are : -Too many revolving accounts with high balance compared to credit limit -Lack of Real Estate Secured Loan Information -Balances On Accounts Too High Compared To Credit Limits and Loan Amounts -Too Many Bankcards With High Balances Compared To Credit Limit I had all the same credit cards and balances when I was approve for this account. My XXXX XXXX account had a {$0.00} balance and when I had a balance my payment was never late. I have two more credit cards with Synchrony bank one with {$3000.00} credit line and one with {$2900.00} credit line, these accounts was not close, my balance is {$0.00} on both of these cards also, and when I had a balance I never paid my account late on any of these two cards either. I had XXXX   to mail me my credit report, because I though my identity has been stolen and I had negative payment history on my credit report. I have my credit report and my credit report is showing all my credit cards are current, no late payments, and no deficiencies. I believe my account closing was XXXX  motivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BUSINESS TYPE : ALL BANKS DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX  XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Checking or savings account

I have two checking and one savings account with Capital One bank. 

Back in XXXX, Capital One converted their accounts. 

After the conversion I was able to access all three of my backing statements, cleared checks etc. up to XXXX, Now comes XXXX of XXXX and I CAN NOT access any of my statements or cleared checks from XX/XX/XXXX and back. 

Here we are in the tax season and I am attempting to gather statements etc. for my records and support for my XXXX Income Tax Returns, This can not be! 

I requested hard copies of statements from XX/XX/XXXX to XX/XX/XXXX, but that is insufficient, in case my accountant or the IRS needs support. I need, along with other Capital One Customers, access to our statements and other documentation. 

Below is the link to my accounts, just as a FYI. 

https : //verified.capitalone.com/auth/signin In addition, my statements etc. are also unavailable using their APP. 

Thank you in advance for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. On XX/XX/2023 I sent a letter to all XXXX consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and Experian both came back with my personal information being validated. The incorrect is as follow : 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 asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not Experian and XXXX meaning the information on my consumer report is incorrect. Debt of XXXX XXXX was removed from XXXX but not Experian and XXXX XXXXeaning the information on my consumer report is incorrect. Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Product: Debt collection

There is an account reporting on my credit file with Midland Funding and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact Midland using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to Midland asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX  XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE INVOLVED IN LITIGATION. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OFXX/XX/XXXX, XXXX XXXX XXXX ( XX/XX/XXXX) XXXX XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS. 

XXXX XXXX XXXX XXXX