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

Attaching ftc report Date : XX/XX/XXXX Dear Experian, XXXX, and 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.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] 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. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXT XXXXXX/XX/XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't recognize these lenders and XXXX don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 *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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

( ( ( NOTE... VALID FTC REPORT ATTACHED ... AS WELL AS SOCIAL SECURITY CARD AN DRIVER LICENSE ) ) ) Thank you for your time and help in this matter. 

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

To whom this my concern, I have dispute several accounts or more on my behave in witch when I have first got started also pull my credit for the following companies : On all 3 credit reports I request to update all my information still to come in 4 months time I see some items are being deleted also coming back on different address I still maintain some of the items are over 5 to 10 years or longer is still being reported I fill like if these items are showing off close charge offs or no date for the time period it should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why it says I have had a late payment on my credit card! Ive never missed a payment. I checked my credit and I have a late payment! I know I didnt miss a payment. Im going through a really difficult time making sure everything is payed for because Im trying to buy a house and I just loss my father due to covid on top of that being a mother of 4 has been rough. Please help me resolve this
Product: Debt collection

I reviewed my credit report on XXXX at XXXX, XXXX and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, XXXX, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/, XXXX days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/6 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account XXXX Credit Bureau : TRANSUNION Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : Highest reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. TransUnion and XXXX report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : TransUnion and XXXX indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation. 

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Debt collection

I received a summons from Bernhardt and Strawser , P.A . delivered by XXXX county sheriff XXXX XXXXXXXX, notifying me that they represented XXXX XXXX. To the best of my knowledge, I had opened a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. I closed this account on XX/XX/XXXX. Upon researching my credit report, I found an update on this account, which shows {$0.00} balance and the account ( s ) with XXXX in good standing. 
Bernhardt and Strawser , P.A . alleged that I owed them approximately {$4900.00} from a XXXX credit card. I never received any proof that I had an account with Bernhardt and Strawser as a consumer to repay a debt, nor any information of how they arrived at this number. Nevertheless, I contacted them several times to try and work out a settlement, which they agreed to a lower settlement. Then I eventually received a writ of execution by the same sheriff notifying me that I owed Bernhardt and Strawser , P.A . a total of {$6400.00}. They levied both my business and personal bank accounts and I had to fill out an exemption form for the court. After doing some research, it appears that Bernhardt and Strawser , P.A . may have illegally obtained my information and even if there were debt that was originally owed to XXXX XXXX, it has long since passed the statute of liability in the state of North Carolina.
Product: Mortgage

After closing my mortgage loan on XXXX XXXX, 2016, I found a payment of {$1800.00} was charge by XXXX XXXX XXXX XXXX 's XXXX Card account on XX/XX/XXXX. In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair. I called XXXX XXXX XXXX three times and they stated that they has not received payment from the title company. 
On XXXX XXXX, 2016 I emailed XXXX XXXX XXXX, Assistant Vice President of Sales, Freedom Mortgage Corporation XXXX ID : XXXX and XXXX XXXX XXXX, Senior Loan Processor the following : " In reviewing the closing cost details I assume that a payment was going to be sent XXXX XXXX XXXX in the amount of {$1700.00} ( Other Cost, XXXX ) for termite repair, however in checking XXXX XXXX Card account on XX/XX/XXXX a payment of {$1800.00} was charge by XXXX XXXX XXXX. Am I correct in my assumption of a double payment for termite repair and we are due refund, if not possible please clarify. '' XXXX XXXX and XXXX XXXX assured me that they would research matter. After many follow-up emails and phone calls over the past 4 and a half months, I have n't received any resolution.
Product: Checking or savings account

I was with Regions bank for about 2 years. Since I had been with them I have struggled tremendously. It seems every time I would pay bills, my balance would not reflect what I actually had in the account. This would result in them charging overdraft fees. What I found very disturbing was that I had the feature turned off and I was still being charged these $ XXXX fees. I tried to call and explain that I do NOT want these charges on top of XXXX charges or any charges since the feature was turned off and the first go around they refunded the amount. Any time after that? Not so much. I was told through an online chat that they know the feature is turned off but I will still get charged an overdraft fee. What is the point of opting out if I am still going to get charged. I explained to them that I did not want these charges over and over. I simply wanted them to just not pay it. I was in the process of switching cards and sometimes I pay bills with different cards and Regions has refused to give me back any of the fees that have been charged. I have since been locked out of my account so I cant even see what is going on with my account.
Product: Debt collection

This account was paid in full through my XXXX account to the original creditor or they would not have done the work. After they were sold and moved to a new office and got a new system they said I owed this money and would not provide me with a statement of how they came up with this amount OR list any payments that were made to them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX Bank NA account number XXXX, XXXX XXXX XXXX account number : XXXX, XXXXXXXX XXXX XXXX  account number : XXXX, Total XXXX account number : XXXX, XXXX XXXXXXXX XXXX account number : XXXX, XXXX XXXX XXXX  account number : XXXX, XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX, account number : XXXX has violation my rights. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are supposed to modify account that aren't reporting correctly.

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can't furnish a account without my written instructions.
Product: Debt collection

Provided no proof of debt during disputes and I have continuously disputed the debt with a credit reporting agency without any information on what the debt is from being provided by the organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax system has been hacked and it says I 'm a possible victim. XX/XX/XXXX2017.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a loan do to inaccurate information on my credit report that I have disputed year ago XX/XX/XXXX# XXXX, I HAVE NO KNOWLEDGE OF THIS ACCOUNT please delete it at once. I also have a bogus default judgement that showing on my credit report Case No. XX/XX/XXXXXXXX XXXX that was a vacated judgment ( VOID ) I need that deleted at once it is not accurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$790.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 4 ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681a ( e ) Equifax is in violation of 15 USC 1681 Fair Credit Reporting Act which are federally protected consumer rights.

Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I the consumer have a right to privacy which means Equifax has violated this by reporting these inaccurate accounts on my consumer report.

Equifax has violated 15 USC 1681b ( a ) ( 2 ) which states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. 

Equifax has violated 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I the consumer would like to state that Equifax has not personally interview neighbors, friends, associates or any else who knows about my character, general reputation or personal characteristic or mode of living. I also want to notify Equifax that there is personal information from the creditor on my consumer report which is also a violation. 

I have enclose the documents for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of ( Rentrecoverysolutions XXXX ) Account Due to Identity Theft Dear Equifax, I am writing to formally dispute the inaccurate information on my credit report regarding the ( Rentrecoverysolutions XXXX ) account, which I did not authorize and is a direct result of identity theft. 
This account is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that you maintain accurate and complete information in consumer reports. 
Under 1681i ( a ) of the FCRA, you are obligated to investigate disputes and correct or delete any unverifiable information. Additionally, according to 605B, you must delete any fraudulent information within four ( 4 ) days of receiving notice of the identity theft. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and I have attached relevant documentation to support my claim. 
The presence of this fraudulent account on my credit report has caused me significant emotional distress, including XXXX and anxiety, as I have been denied credit opportunities and faced undue scrutiny. This situation is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from abusive practices. 
I demand the immediate deletion of the Rentrecoverysolutions XXXX account from my credit report within XXXX days, as mandated by law. Additionally, I expect compensation of {$1000.00} for the severe emotional toll this situation has taken on my mental health and well-being. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse for the damages I have incurred. 

Please confirm the removal of this account and any compensation due to me within the required timeframe. 
Sincerely, XXXX XXXX XXXX : 1. Identity Theft Report 2. Proof of Identity 3. Relevant Correspondence
Product: Credit reporting or other personal consumer reports

Was a victim of data breach and identity theft XXXX, XXXX, XXXX from all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. 
In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, 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 thefileof theconsumer.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever aconsumer reporting agencyprepares aconsumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the accounts are inaccurate they are not exact in details and amounts. 

( XXXX XXXX Equifax XXXX XXXX shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! 
( 6 ) Notice of results of reinvestigation ( A ) In general Aconsumer reporting agencyshall provide written notice to aconsumerof the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by theconsumerfor that purpose, by other means available to the agency.
Product: Credit reporting or other personal consumer reports

Equifax responded to my previous complaint stating they need time to complete the investigation on their end, the consumer reporting agency concluded without any evidence that the information was reported correctly and refuses to remove or update the account on my credit profile after receiving proof that the check was cashed to XXXXXXXX XXXX  account. Moreover, nor XXXX XXXX  nor the Equifax thats reporting false information have provided any evidence that the check was cancelled or funds reversed. Only resolution need reinvestigation after 3rd attempt for on-going fraud activity since XX/XX/year>. To conclude XXXX XXXX  has not responded to the complaint filed against them with the correct oversight authority.
Product: Credit card

XX/XX/year> I called into Kohls/Capital One card customer service to pay my final balance, which I did, and to also close my account forever. 
They stated I owe nothing, and the account was now closed. 
XX/XX/year>, I was charged another {$32.00} late fee that has now increased due to interest to a total due of {$33.00} I have attempted on 3 occasions to resolve the issue, but the Kohls customer service states they can not speak with me when I am taping them? I dont understand since they are taping/recording me what the issue is? Anyway, I closed the account and they still charge me a late fee. this is ridiculous. 
At this point I have taken time form work and has become a major issue while they ruin my credit. Please help. 

Thank You, XXXX XXXX