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

XX/XX/year> Re : Dispute of Unauthorized Information Reporting Request for Investigation Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file that appears to have been furnished without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

I recently reviewed my credit report and found that certain information was either obtained or reported by your agency without my prior written authorization. As per the FCRA, credit reporting agencies and data furnished must have my explicit consent to obtain, disclose, or report my personal credit information. I have not provided such written consent to any third party, nor have I authorized any request for my credit file.

All closed accounts and collection accounts According to 15 U.S.C. 1681b, the only instances where a credit report may be accessed without consent are limited to specific exceptions, none of which apply to the situations reflected on my report. The unauthorized reporting or furnishing of information in this case is in violation of my rights under the law.

Please investigate this matter immediately and remove any such unauthorized information from my credit report. I request that you provide me with the results of your investigation and a corrected copy of my credit report after the necessary updates have been made. 

Enclosed are the relevant documents and identification to assist in your investigation. 

Thank you for your prompt attention to this matter. I look forward to receiving your written response and the corrected information as required by law. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. Someone opened a target credit card in my name in Arizona a state I have never lived in. I contacted Target credit card services about this and they refused to take off my report saying that the my address was accurate which is a lie I live in Illinois I gave them my correct address the account was opened in Arizona they also said a payment arrangement was made this was not made by me at all this was made by whoever stole my identity and opened the card. Target allowed someone to open an account fraudulently in my name and they have fraudulently investigated this matter as I know it was opened in Arizona where I have never lived and they didnt ask for identification or anything this is fraud and needs to be addressed they also said an agent would call me which has never happened I submitted to them an. Identity theft affidavits and everything
Product: Credit reporting, credit repair services, or other personal consumer reports

I received letters from Jefferson Capital handling my delinquent account for XXXX XXXX XXXX. They sent me a letter stating I could settle my account with XXXX XXXX with a agreed settlement amount. Before I gave them any payment I asked could they send me a letter to show the agreement before I paid anything. They did, and said when account is paid as agreed they would update the credit agencies as account settled in full XXXX balance. I paid, and they sent me a letter stating account was settled closed as paid in full. I was waiting for this to be updated on my credit report, but it never was. I even tried to file a dispute with the credit agencies myself. Which was a failed attempt. I called Jefferson who told me they just handle the account for XXXX XXXX and they have to update with the credit agencies as the account being paid in full and settled. However, when I contacted XXXX XXXX they said Jefferson was not telling the truth that the account was sold to them, and they no longer have anything to do with this account, so to contact them back I did and Jefferson capital said call them back and tell them this is a special account we handle for them so it was n't one they bought. I kept getting thrown back and forth, and XXXX XXXX still shows on my credit as a charged off account, and Jefferson Capital basically ripped me off of money that they lied about handling this account so I could get my credit report updated to show what I agreed to.
Product: Debt collection

I contacted Bonneville Collections on XX/XX/2024. I spoke with a very rude man. Who was pushy and brought up debts that are not mine but my ex husbands. Who I have not been married to in almost XXXX  years. I explained to him that I was not even aware of this account until I looked at my credit report. The account comes from a hospital visit. I had a XXXX XXXX done and was in very horrible shape after being XXXX XXXX The hospital was given my insurance information and charged the insurance for everything except the physicians fees. I have never received anything in the mail about this debt. I have even done a address forwarding paper through my local post office. Now that this is very old, I am not sure the insurance will pay this. So I asked if they were even able to offer a less payment. The guy said well how much can you pay. I said I am not sure I don't make a lot of money. He proceeded to tell me how he could not give me an amount until I told him XXXX. That is ridiculous. I have talked to many other debt collectors. This guy was by far the rudest I have ever come across. It is illegal to bring up debts owed by someone you have been divorced from for almost a XXXX. He also brought up debts from a previous bankruptcy I had taken out. Which is very illegal as well.
Product: Credit reporting or other personal consumer reports

It shows an address of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is an address that I have never lived at in a town that I never lived in. It shows as living there from XXXX of 2023 to XXXX of 2023. I was and still live in XXXX XXXX.
Product: Credit card

In XXXX of 2007 opened a credit card account with Chase. The card had three areas of interest to be charged 1. purchases, 2. cash advances, and 3. balance transfers. The interest charges are as following purchases 9.49 %, cash advances started at 19.24 % now is 25.24 %, and balance transfers are 9.49 %. Each month the bill interest charges from all three categories which gave me my minimum billing amount with the principal amount only being applied to the lowest interest rate which would have been for the purchase. I had mostly used the cards for purchases but had a balance transfer of {$1500.00}. and a cash advance of {$1500.00}. never any more than those two amounts. Although the credit card company is charging interest on all three areas since there is principal amounts on all three areas an the bill is being paid on time although mostly at the minimum payment amount. Example of the charges interest charges for purchases were {$210.00}, interest charges for cash advances were {$27.00} and the interest charges for balance transfers were {$18.00} making a minimum payment of {$520.00}. allowing {$260.00} to go towards the principal for the purchase allowing that amount to go lower in principal amount. The problem that I have is that every statement that I have that shows interest that is being charge against the cash advance an is apart of each billing cycle that amount is being charged and then rolled over into the principal amount of the cash advance causing the cash advance to continue to increase without being used beyond the amount originally used by the card holder. Why should the amount being charged every month for the cash advance for interest and being included in the monthly statement as part of the payment an being paid within the billing cycle that amount is being rolled over onto the principal of the cash advance causing the cash advance to increase dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX and 5 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This request requires special assistance and can not be processed online. Please contact us at XXXX so we XXXX better assist you with this item. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX  XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For
Product: Student loan

My student loans were put into the XXXX program. Nelnet is suppose to not be charging me interest per the mandated forbearance. I login in this am and see there is {$5300.00} worth of unpaid accrued interest through XXXX XXXX!
Product: Consumer Loan

I have been leasing a XXXX Chevrolet Volt through Ally Auto XXXX a division of Ally Bank XXXX. The is reaching maturity and I was investigating an extension for 1-3 months while I waited for my XXXX Volt to arrive, which has suffered from production delays. When I contacted Ally to get an extension, I was told the monthly payment would increase by over 50 % and there would be no additional mileage allowance. I have leased several cars in the past and never experienced this kind of behavior. In the past, the other finance companies simply extended the lease on a month-by-month basis at the same monthly payment offered under the terms of the lease contract, and they included additional miles based on XXXX of the annual mileage allowance as specified in the lease contract. Ally is doing none of this. 
Ally Bank used to be XXXX XXXX, a division of XXXX, before getting spun off in the early XXXX 's. It was announced earlier this year that XXXX is going to move their leasing programs back in-house with a new XXXX XXXX division. Is it possible Ally is penalizing XXXX customers for this change? 
Regardless, I have found their behavior to be highly questionable. Beyond the issues listed above in attempting to get an extension, Ally also took the extra step of deleting all online access to my account after the final lease payment was made, despite the fact I still have possession of the vehicle. I lost all access to my payment history and account details.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unwarranted decrease in my credit score reported by Experian. My Experian credit score was previously XXXX. Recently, I paid off my credit card balance with XXXX XXXX in full, reducing my balance from {$2300.00} to {$0.00}. Despite this significant reduction in my credit card utilization, Experian has since lowered my credit score from XXXX to XXXX a decrease of XXXX points. 

This reduction is inaccurate and unfair, as paying down credit card balances should positively impact my credit score, not decrease it. I have managed my credit responsibly and paid down my balance, which should reflect as a positive change in my credit utilization ratio, a major factor in credit scoring. 

I am requesting a review and correction of my Experian credit score, as the current score does not accurately reflect my recent credit activity or responsible financial behavior. 

Please let me know if you require any additional documentation to expedite this review. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX  XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX . Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law.

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report.

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect.

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account XXXX XXXXXXXX XXXX XXXX 
Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report :XX/XX/XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance XXXX {$0.00} ; XX/XX/XXXX XXXX Balance : {$5400.00} ; XX/XX/XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

I owed XXXX XXXX XXXX for a checking acct. RJM acquisitions XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ; XXXX purchase the debt and offered a reduced payback. I have been paying them for over 2 years and have a current settlement balance of {$340.00}. Recently another Debt collection Agency reported to my credit report that I owed them {$700.00} for XXXX XXXX XXXX with no acct # attached. When I tried to make my current payment as usually to RJM the website is no longer accessible. XXXX XXXX is the collection that attached a claim to my credit but In have n't received any info from them and they reported I made a payment to them in XX/XX/XXXX for the same I paid to RJM in XX/XX/XXXX. I have paid 1/2 my debt settlement to RJM. I disputed the complaint with XXXX and only received a response that they updated my account but when I reviewed XXXX XXXX was still there. I do n't have a problem paying the debt but I do n't think another debt collector should be trying to collect on a debt I 'm already paying with no contact and the amount they are charging is double of the balance left owed to RJM because I have been making the payments.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

They are reporting this collection with a past due amount. This is inaccurate reporting and needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/2022 XXXX XXXX  XXXX : XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2022 Experian Inquiry date XX/XX/2022 2022
Product: Checking or savings account

Initially, on XXXX XXXXXX/XX/year>, I was contacted by Ally Bank 's fraud department. Out of an abundance of caution and to prevent potential fraud, I hung up and called Ally Bank back using a known Ally Bank phone number. I had to call Ally bank numerous times to get someone to transfer me to their fraud department. Ally staff were NOT helpful. 

Once I finally reached Ally Bank 's fraud department and answered their questions, I was informed that I had been cleared and their concerns had been resolved. This matter involved a large personal check that I had written to myself and deposited into a newly opened checking account at XXXX XXXX XXXX 

However, the very next day, XXXX XXXXXX/XX/year>, when I attempted to log in to my Ally Bank online banking account, I received a notification stating that my access had been blocked. 

I immediately called Ally bank and was told after answering extensive questions that their fraud department was closed and would re-open at XXXX XXXX the next morning. 

I called Ally bank again on XXXX XXXXXX/XX/year>, and once again after answering numerous questions was told that their fraud department was closed and would re-open at XXXX XXXX 

I called again after XXXX XXXX XXXX and was then told that Ally 's bank fraud department was not available despite now being open and that I would need to call back again or that the fraud department would reach out to me. 

No one at Ally Bank helped me and I spent HOURS of time dealing with this throughout this week. I am currently locked out of all of my accounts at Ally Bank.
Product: Student loan

During my deferment when I boulder pay my loans they continued to charge interest and raised my loan during that time. When finally making a large payment of {$2500.00} and asked to go toward smaller loan. They used all of it toward interests.
Product: Checking or savings account

On XX/XX/2022, I received an email from CITI that " Your Citi account ( XXXX ) will automatically close within 60 days ''. It writes " We periodically review customer accounts and assess account activity. Based on a recent review of your Citi ( R ) Accelerate Savings account, we found that you have violated the terms of your account per the client manual. '' I contacted them on XX/XX/2022, regarding this issue, but they didn't tell me which term I violated. And I was told to wait 30-60 days to get my money back and if I hope to get my money back earlier, I need to visit a local branch. But the closest CITI branch is over XXXX miles away. It is almost impossible. I save more than {$140000.00} in the CITI account and I urgently need my money. There is no way to get my money back earlier!! 

I have two complaints. First, please provide the exact term that I violate. Second, I have the right to take my money back as soon as possible.