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 {$0.00}, {$13000.00}, {$6100.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I dont have the exact date, but I did spoke with someone and they stated that since it was over 90 days since the account was closed it was nothing that they could do since it was turned over to the creditors. The account been was suppose to be in my sister name but they didnt changed it on there end. So when she went in XXXX of 2018 instead of her paying the bill she had gotten another phone. So they just had closed the other account. I didnt know until I received a collection letter in the mail stating I owed them and that's when they told me it was nothing they could of done since they never had put it I her name and that it was already closed. The amount is {$430.00}.
Product: Debt collection

I disputed an account on my credit report as ... " no contract " account unknown and requested verification of Debt. Experian took the debt off my credit report and has now recently put this collections item back on and credit score dropped 10 points
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see unauthorized inquiries on my credit report. I always check my credit report, but this time there were unexplainable discrepancies. Even after refreshing the browser to rule out a glitch, the issues were still there. I request a detailed review of the documents Ive provided to ensure this problem doesnt happen again.
Product: Debt collection

I've received multiple calls from a slue of different numbers and have already asked this company to cease and desist all contact with me. They are trying to collect an alleged debt that is already past the statute of limitations and doesn't even show up on my credit report. I've already been in contact with the supposed original creditor, XXXX XXXX, regarding this alleged debt and they have no record of it on file. I have no intent to pay this alleged debt and am in contact with an attorney to address this matter further.
Product: Checking or savings account

Date : XXXX XXXX, 2021 Action : Opening a checking account at Union Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
Complaint : False Advertisement. 
I Received a solicitation email from Union Bank to open a checking account and get a {$300.00} bonus. Office branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX refused to open the account with bonus.
Product: Mortgage

I am requesting that XXXX  be removed from the loan. I have gone through the process and paid the fee. They refuse to even review the info provided in a sensible manner. Dates are as follows : XXXX submitted information, application and check. On XX/XX/XXXX they rejected review for no founded reason but did cash and deposit my check. I escalated and they said they would immediately revisit the situation. I have received apology letters from them now on XXXX including emails from leads and supervisors on XXXX, XXXX. I see this as a ploy to keep my XXXX  fees intact. Costing me every month they delay the process. My home value far outweighs the balance of the loan.
Product: Vehicle loan or lease

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX of the last letter,
Product: Checking or savings account

Good afternoon, my name is XXXX XXXX and I am here to report a problem with my bank regarding some disputes I made for some purchases for which I never received the product. The bank closed the disputes with the excuse that I should wait 16 calendar days to see if my items arrived and that if they did not arrive, then they could reopen the disputes. The 16 days have passed and I called to request the reopening of my dispute. This bank has not reopened my dispute and I am demanding my right for them to open my dispute to recover my money. I hope someone can help me please to resolve this problem with the bank. 


ACCOUNT XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed XXXX charge off accounts being reported by Affirm Inc.These accounts, as currently reported, contain inaccuracies that violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I am entitled to a full disclosure of Affirm Inc. 's documentation and procedures to verify the information provided to credit reporting agencies. 

In particular, I am requesting the following : All Communication and Documentation Between Affirm Inc. and XXXX Please provide all communication between Affirm Inc. and XXXX related to my accounts and consumer report, including, but not limited to : Emails, letters, reports, or any electronic communications Internal memos or correspondence concerning my consumer report or disputed items.

Comprehensive Documentation on Affirm Inc.s FCRA Compliance Procedures I am requesting all records detailing Affirm Inc.s procedures for ensuring compliance with FCRA requirements for accuracy and completeness, including : Training session records, including attendance logs, content of training materials, and frequency of training specific to FCRA compliance Written policies, procedures, or guidelines that outline Affirm Inc.s approach to ensuring accuracy in consumer reporting Reports or audit findings that assess Affirm Inc.s adherence to FCRA standards. 
Complete Chain of Title for Both Accounts in Question I request a full complaint chain of title for both accounts as maintained by Affirm Inc., including ownership transfers or account status changes since the account 's origination. This does not refer to billing statements generated by Affirm Inc., but rather to all documents showing the history of account ownership and any transfers. 

Procedures for Resolving Consumer Disputes Related to Consumer Reporting Please furnish documentation that outlines Affirm Inc.s procedures for resolving consumer disputes or complaints, including : Any documents explaining the policies or steps taken by Affirm Inc. to handle consumer complaints or disputes specifically related to credit reporting accuracy. 
Original Note and Contract with Wet Signature Provide the original promissory note or any equivalent loan agreement, signed by me with a wet signature, along with the full, unaltered original contract associated with each account in question. 

Under the FCRA, it is Affirm Inc.s responsibility to furnish accurate information and to verify such information in response to disputes. This request serves as an opportunity for Affirm Inc. to fulfill these obligations by providing documentation to demonstrate its compliance with FCRA standards and to confirm the accuracy of the information currently reported to credit bureaus. 

Please send the requested documentation to my address listed above within 14 days from receipt of my complaint. Failure to provide these documents within this timeframe will give me no choice but to file the attached demand for arbitration to resolve this matter
Product: Student loan

I try for deferred once and I got it. But this time I try they told me I had to pay the note, but I told them I make certain amount a month I ca n't afford XXXX dollars a month.
Product: Bank account or service

Back in 2014 I cashed Savings Bonds for my daughter at XXXX different banks- Bank of America and XXXX ( I have accounts with both of them ). They both reported interest earned to IRS. NOW, as an unemployed and XXXX XXXX XXXX, Financial Aid demands that I furnish a document of these interests earned ( XXXX, box XXXX ) but because I only received the summary for filing purposes, I had to contact both banks for a detailed XXXX showing the interests earned was from the savings bonds, NOT interested earned on savings. I had NO problems with XXXX, they sent me a detailed XXXX report showing that the interest earned was from savings bonds and I received it within FEW DAYS. Bank of America never responded to my request so I called the bank again and submitted a second request. AGAIN, NOTHING. One rep called me asking me for more information but he found out that I was using a relay service, he refused to talk to me!!! I had to call and speak to a different rep then subsequently with his manager then the manager did some researching and found what I needed THEN RE-SUBMITTED MY REQUEST AGAIN to the tax department which would take ANOTHER TEN DAYS!!! I 've ALREADY waited TWO WEEKS for it!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my credit disputes. Equifax has taken longer than the legally required 30 days to complete investigations, violating FCRA guidelines. 

Key Issues : Delayed Investigation : Equifax has exceeded the 30-day limit to complete its investigation of my disputes. 

Contradictory Responses : Equifax previously verified disputed accounts but now claims it can not locate my credit file with the same information provided. This inconsistency and lack of transparency suggest stalling tactics and failure to properly handle my dispute. 

Failure to Provide Documentation : Despite multiple requests, Equifax has not provided any documentation to support its verifications, undermining my right to a fair investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize. These inquiries include : Inquiry by XXXX XXXX XXXX XXXX XXXXXXXX ] on [ XX/XX/XXXX ] Inquiry by XXXX XXXX XXXX XXXX XXXX ] on [ XX/XX/XXXX ] Inquiry by [ XXXX XXXX ] on [ XX/XX/XXXX ] As per 1681b of the FCRA, hard inquiries should only be listed on a credit report if they are the result of a consumer-initiated action. I did not authorize these hard inquiries, nor did I initiate any application for credit with these entities.

To comply with 1681i of the FCRA, I kindly request the immediate removal of these unauthorized hard inquiries from my credit report. Additionally, I request that you provide accuracy by contacting the companies that reported these inquiries and showing proof that I personally authorized these hard inquiries. If there is no proof of my authorization, these inquiries must be removed immediately in accordance with 1681e ( b ).

Specifically : 1681b. Permissible purposes of consumer reports : Hard inquiries must be based on a legitimate purpose, such as a consumer-initiated transaction. 
1681i. Procedure in case of disputed accuracy : Requires the credit bureau to conduct a reasonable reinvestigation of disputed information and provide results within 30 days.

1681e. Compliance procedures : Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information. 

Enclosed within this complaint, I have included the necessary identification documents ( social and drivers license ) a copy of my credit report highlighting the disputed inquiries for your reference and a copy of the identity theft report these inquiries regarding the compaines.
Product: Debt collection

I contacted the company medicredit back inXX/XX/2018 for reporting medical bill that was paid by well care .the person I spoke with say the account was sent to them and then revoked by doctors hospital but it wasnt told to them to remove off credit file. She stated whether paid or not they will not remove it even though they have no file or contract to say this debt is outstanding or due
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX, Missouri Laws Dear MONEYLION, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Section 407.970, and identity fraud laws, specifically Missouri Statutes Section 570.223 . 

It has unequivocally come to my attention that MONEYLION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 407.970, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri Statutes Section 570.223 establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Statutes Section 570.223, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MONEYLION to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MONEYLION immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 407.970 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MONEYLION will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Mortgage

I am sending this complaint in as instructed by XXXX different VA representatives who identified that I was being wrongfully serviced. I fell behind on my mortgage due to the pandemic/covid 19 and I was not offered the VA PARTIAL CLAIM. my mortgage company automatically put me in a loan modification program changing my apr from 2.5 % to 6.7 %. On several occasions told me that I didn't qualify for the program and also that the program was no longer available. They also stated that I said I could not continue my mortgage payments although I called them and told them I could. When speaking with the VA they informed me that I was entitled to the partial claim and that the company had enough time to submit me for it. During this process, they also put me up for foreclosure before any attempts to get me back on plan. XXXX different VA representatives informed me that they have more than XXXX complaints of wrongdoings from Freedom Mortgage Company with similar stories. the full Partial Claim that the VA offered ended on XX/XX/XXXX however I never received that option yet on XX/XX/XXXX they just offered me the loan modification which double my mortgage payments. Secondly, I was told by all XXXX VA representatives that there is another partial claim that is available until XXXX of XXXX, and every time I speak with FREEDOM MORTGAGE Company they tell me that it is not available. Although I am being told by the VA I am eligible and that the program is available. I am a XXXX veteran that would like to save my home. thank you for all your help in advance. I was on time with my mortgage and bills until XXXX never been late. until I eventually ran out of savings and my income changed dramatically. I am ready to move forward and get caught up with my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had some charges on my credit card from someone purchasing a train ticket through XXXX, in addition to travel insurance. The credit card company opened a fraud claim on my behalf, but included some other charges. Some charges were legit ( my wife was on a weekend trip ). 

Because XXXX was listed on my statement with contact information I also called them. They transferred me to the XXXX Police and they opened an investigation after I gave a statement. We turns out, the XXXX police tracked down the ticket and took the passenger off the train at the time of the ticket and that person was arrested. I suppled all this to Bank of America. Even on my online statement its shows an online purchase, plus I provided all the police reports to Bank of America. They still are declining on fraud claim. Its been 4 months and upwards of 35-40 hours of me on the phone with them, and i continue to fight out of principle. 

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

I received a notification that my credit score had dropped on my Experian account XX/XX/XXXX, I checked my Experian credit report and saw that there was a collection on there from a company called XXXX XXXX. When I clicked on the name it showed details that said that the original creditor was XXXX XXXX and they had referred me to a collection agency for not paying a bill. 

However, this is NOT by bill. I have never used XXXX, I have been with the same phone service for almost 20 years now, and it is XXXX XXXX XXXX XXXX Therefore, this collection does NOT belong to me. 

XX/XX/XXXX, I initiated a dispute via the app about this incorrect information on my report XX/XX/XXXX, I called Experian and they confirmed they received the dispute and suggested I go to this website ftc.gov and file a fraud report, and then upload the report back to Experian
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per XXXX XXXX XXXX. 
Despite following the correct procedures and citing my rights under the XXXX XXXX XXXX, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.