23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX account XXXX is a closed account, when this account is old. 

Member source was a loan that was placed on my report. This could not have been me being that i was locked out and did not get out until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed XXXX XXXX credit card because its not mine and they refuse to remove it from my credit file. 

I also repeatedly have disputed XXXX XXXX XXXX AND XXXX XXXX XXXX because they have repeatedly failed to validate the debt and Ive never signed any type of contract with them or any company theyre claiming to represent. I want them off of all of my credit reports and XXXX XXXX Bank as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. XXXX  written off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status Paid in settlement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX  On record until 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 XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX is False Report my Business Account of my employment. XXXX continue to report this on my personal credit report making false reports, late fees, and is discriminating against a person with a XXXX. My credit report has severally hurt me by a XXXX points because of XXXX XXXX XXXX XXXX. I have all documents to prove False Reporting against me. I have also reported a Investigation with the XXXX XXXX XXXX XXXX, Colorado Discrimination/ Fair Housing Act for XXXX, XXXX XXXX , etc. Please have this removed from my personal credit report ASAP. It is being reported on Equifax & XXXX Credit Agency. Please Help!!! ... ... .. Sincerely XXXX XXXX XXXX. XXXX payments are due every month on the XXXX with a 10 day grace period with NO LATE fee. I have all receipts of my payments. Never Been Late!! Business Account!!!
Product: Credit reporting or other personal consumer reports

I am filing a dispute to have these accounts investigated for wrongful reporting on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect entry. I know FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Product: Vehicle loan or lease

I was unemployed since XXXX of XXXX, I ran out of savings and was unable to keep up with Timely payments in or around XXXX or XXXX. I communicated with Hyundai Motor Finance several times asking to get a payment deferral. I was told i was denied because I had not made 6 payments, but rest assured once I did make the XXXX payment that the XXXX and XXXX payments would be deferred. So two payments. Now that Im working and finally made the XXXX payment I was past due on they are telling me I can only have one payment deferred which will leave me struggling even though I have been told on several occasions that the payments for XXXX and XXXX would be deferred several times by several different representatives and even a supervisor which actually applied for the 2 month payment deferral for me that was denied because I needed to make one more payment. I am now being told it doesnt matter that I was told 2 months they can only do one month. I feel this is unfair and deceptive against me, a paying customer who was struggling a financial hardship. It seems no one at Hyundai Motor Finance knows or is trained on the actual policy which can and willcause this same difficulty to many more customers. I will list the dates of mentioned phone calls, XXXX two phone calls XX/XX/XXXX XXXX rep told me no only one month, went and asked and I heard the person in the background say yes I could do two months the rep came back to the line and said My apologies maam you can do two months, you just wont be allowed another deferral for 12 months after that XXXX 2 phone calls which I called and discussed situation and they called me back even though I already made contact and did not give permission to call back XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX supervisor submitted two month deferral request
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late PUBLIC FILINGS US BKPT XXXX IL XXXX CH-XXXX  not mine COLLECTIONS XXXX XXXX  XXXX {$1000.00} not mine XXXX XXXX XXXX {$660.00} not mine XXXX XXXX {$430.00} not mine XXXX XXXX {$340.00} not mine XXXX XXXX XXXX {$5500.00} not mine
Product: Student loan

First, nelnet processes my direct loan consolidation request with wrong loan amount, an amount that is higher than the amount in student aid.gov. Second, I applied to direct loan consolidation under SAVE plan which I qualified before and I have no other changes in any of my situations. I called agent twice, each needing to wait with 3 hour holds, which I cant really do that often as I work full time. Each time they could not tell me why I am not in the save plan even though they see me applying for save plan and I qualify for it. They could not do anything for me and just told me to wait and call again, which I am unable to keeping doing with a full time job. in the meantime the interest just keeps accruing under standard plan. I emailed them weeks ago multiple times with no reply. I need help because I am sure I wont be refunded with all these extra interest accruing and they are not helping me. It feels like they are scamming me with money. Please help
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

Since Bread XXXX took over Comenity Bank or partnered with them. I can't access the website or contact customer service. The Bills are not coming to my home nor I can call and speak to customer services. I have XXXX, XXXX, XXXX, and XXXX XXXX XXXX  cards and can't contact customer service. They changed my XXXX number and when I try to gain access by calling they make an announcement that they can't talk right now. The statement on the website : You can now check your balance and make a payment online by signing in below or using Comenitys EasyPay. If you made a payment thank you! You may not be able to review your payments as quickly as youre used to ; we are working to restore this feature. We know the recent system outage has been frustrating and we are working to ensure a fair resolution for impacted customers. 

However, I can't gain access to my account since XX/XX/2022. Then when you call there is no customer service online. I paid by phone. Then I checked the website they took me off the website because I had an Identity theft by Bread XXXX and called the police. Then customer service tells me to send an email and they never respond. There is a need for an investigation with Bread XXXX who partnered with Comenity Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.XXXX, EQUIFAX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, XXXX, EQUIFAX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, XXXX, EQUIFAX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to XXXX & EQUIFAX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM EQUIFAX CREDIT REPORTING AGENCY THEN TO MY SURPRISE EQUIFAX HAD  REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN XXXX BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO XXXX XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE XXXX ABOUT THESE INACCURATE ACCOUNTS
Product: Consumer Loan

I have XXXX cases with you on the same conflict with Regional Finance the case numbers are XXXX and XXXX although today i called and was told that i did not send back needed infor on the last case. But did not receive a request. So yesterday at XXXX Credit Recovery for Regional called again and I told them that this case had been written off and that they reported it to the credit br. as refused to pay. I have a case with XXXX on this subject and the case number is XXXX. As you know from my XXXX case that Regional Finance cussed during a collection call. XXXX never contacted me after i filed a case with you. However this Credit Recovery keeps calling. WE wnat the title to the car back or to move forward with the casw with you for unfair collections. I have attached several documents for review for my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 

XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( Finance XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, Equifax, XXXX  and XXXX. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

To Whom It May Concern : Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} No. of Months ( terms ) : - - High Credit : {$1000.00} {$1000.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Medical Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX thank you
Product: Debt collection

This company contacted me and left a very threatening voicemail. Said company stated that if they were not contacted back would pursue legal action. Also did not state what it was regarding leaving an assumption that I have done something wrong. Contacted company back and the person on the phone threatened to sue me for a dead debt that is over XXXX XXXX XXXX. I stated multiple times that I do not agree to this debt and the company insisted that I had. Repeated over and over again. Then stated that since I agreed to the debt it starts over the statue of limitations for the next XXXX years. I know the law and this is not true and told the man this who became more irate and threatening to sue me. Continued until the company hung up on me.
Product: Debt collection

the original debtor XXXXXXXX XXXX  wrote off the debt making it no longer being due.
Product: Credit card or prepaid card

Paid {$270.00} for a conference, but found that my health system paid for the bill. Credit card company has all the check information, but wont refund my money. Check # XXXX was cut on XXXX for {$1000.00} ( 4 registrations @ {$250.00} each ) and sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The check was for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

during a 7 year fight with XXXX XXXX XXXX in which they took back a valid home loan modification that I paid on I have been XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and now due to a fall XXXX XXXX XXXX. The Bank sold my loan after I filed a complain with the FCC and they were found guilty but they refused to correct and let me start making payments. They kept the financial balloon payment, which was XXXX and part of the modification on the loan and changed my rate to 8.75 % up from 2 %. I tried writing 10 times to the company they sold my loan to Nation Star and they would not acknowledge the service error on the file. during this time I was undergoing XXXX XXXX. I paid Nation Star 10 payments and they took them but returned the 10th payment saying I didnt meet their criteria for help. I hadnt submitted anything to them other than to tell them I was trying to get help but they had a service error on the file. I asked for help for XXXX county legal aid and XXXX XXXX said she had never seen a company behave so aggregously but i would have to pay an attorney to sue them because they had no funding at the time. I sued them and case number is XXXX. During the court case I believe around XX/XX/XXXX the Nation Star service company admitted to service error by correcting my rate to 2 % but would not allow me to start making payments again at that rate. Then I became hospitalized and judge would not allow for the fact that I was bed ridden from XXXX XXXX XXXX XXXX XXXX, so judge XXXX XXXX dismissed the case 4 months later. Now Nation Star is using my Illness through XXXX XXXX XXXX to Cut off my prescription healthcare coverage because XXXX  XXXX XXXX is my employer
Product: Credit reporting or other personal consumer reports

I contacted Calvary SPV on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees. Original credit is XXXXXXXX XXXX  and amount owed is noted at {$820.00}
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXBalance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX ( XXXX ), XXXX ( XXXX  XXXX ), XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX ), has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting

Submitted complaint to all 3 credit reporting agencies in regards to XXXX reporting an open account on my credit. They are a third party collection agency. I do not and have not ever had an open account with them. Asked credit reports to validate the debt not verify with a 2 digit code system. All three failed to do so within 30 days. They verified not validated and still reporting on the credit as an open account. Again, a third party collection agency who was unable to validate the debt I disputed with them before I went to the credit reporting agencies still ca n't validate. They are doing a computer 2 digit verify code
Product: Credit reporting or other personal consumer reports

The creditor for these accounts has reported payment history of Charge off for the last several months this is invalid as they are only allowed to report the charge off one time since they only charged off the account once. In addition, the balance reported is also inaccurate the amount of debt was written off by the creditor as a profit loss and per the IRS website that debt is considered forgiven/cancelled as it becomes taxable income for the consumer. The balance can no longer be reported on the report as a debt owed since a write off loss from the creditor can not coexist with debt owed to the creditor. Under law 15 USC 1681 ( e ) B of the FCRA all reported information must be accurate. 

For accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Aspire- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Caine & Weiner Company , Inc. add a derogatory marks on my credit reports per XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Collection company have to provide me with competent evidence that I have any legal obligation to pay them.The company have to provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the license to collect in my state.