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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This section requires credit reporting agencies to block any information that a consumer identifies as resulting from identity theft within four business days upon receipt of a valid identity theft report. 
I have enclosed a copy of my identity theft report filed with the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, to support my identity theft claim. The information in question on my credit report is the result of identity theft and should therefore be blocked. 
The account listed below is fraudulent and does not belong to me. Under the applicable law, I request that this account be removed from my credit report immediately and that you provide me with written confirmation of the deletion of this information. 
Fraudulent Account to Be Deleted : Account Name : XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX received packet in Mail from BANK OF AMERICA- XXXX - inside was a VISA TRAVEL REWARD CARD with a limit of {$6000.00} - but what concerns me the most was a CREDIT SCORE LETTER on MYSELF! 

XX/XX/XXXX called the 800 number above no answer found another number : XXXX and spoke to XXXX in " California '' - XXXX declined to give me his name. I explained I did not apply and wanted to know who gave him my info to process my credit report and send me this card - he wanted my social, my cell, etc and I said I want your Supervisor. 

Was transferred to a very rude person named XXXX in " New York ''. When asked for her last name she sighed and said she needed my info I did not need her info. When I refused to speak to her, she said her last name was XXXX and yelled that into phone and overtalked me asking for my social, my cell, etc. 

I have all documents and of course will never use the card. I want to find out who gave my info to the BANK OF AMERICA to run a report and send me their reward card! 

Thank you in advance, XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit card or prepaid card

In XX/XX/2023, I received my statement from Avant credit card, the balance of which was {$270.00}. I decided at that time to pay the entire balance and close the account, which you can see by the copy of the check from my bank that I did so. The next month I received another statement ( XXXX ) showing the payment but also showing a fraudulent charge from somewhere in CA totalling with interest for {$100.00}. This was a good couple of weeks after I had closed the account and paid it off. I immediately called the company and explained that I had not made the charge and that the account had been closed. All they would do was ask me how much of a payment I wished to make. In XXXX the same thing happened again except now they added on a late fee. I called again and asked to speak to a supervisor and and again got the same result. I checked with my bank but since there was no product involved they said there was nothing they could do. There is a bit of a language barrier in speaking with the supervisors at Avant so I can't tell if they're understanding me fully or not. The last one I spoke to ( XXXX XXXX ) went through my file and all the copies I had sent and sounded like he knew what was going on and said it would be taken care of by the end of that week. I felt relieved and took him at his word. BUT ... not only did I just get a statement for XXXX in the mail, they have added fees onto it to total {$190.00}. Additionally they have begun harrassing me with text messages about making payment. I am quite furious but will try to call and speak with another supervisor today. I finally got your number through XXXX and was advised to file a complaint here as well. I realize this isn't a large sum of money but for a retired XXXX XXXX XXXX on a fixed income, I shouldnt have to pay for a charge I never made. 
Thank You, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I have reviewed my credit report and noticed several inaccuracies that are affecting my ability to get credit. I understand that you will investigate the following account to ensure its accuracy. Here is the account i am asking you to verify and validate XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Hi, I am writing this letter to bring to your attention a serious concern regarding the violation of 15 USC 1681, also known as the Fair Credit Reporting Act ( FCRA ). As a consumer, I believe that my rights under this important federal statute have been infringed upon, and I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate and take appropriate action against the party responsible. It has come to my attention that a credit reporting agency ( CRA ) or a creditor has willfully violated several provisions of the Fair Credit Reporting Act. The specific violations include but are not limited to inaccurate reporting by Sallie Mae and failure to investigate disputed information or creditor has inaccurately reported information about me to one or more credit bureaus. This has resulted in significant negative consequences for my creditworthiness and financial well-being. I have made diligent efforts to rectify the inaccurate information, but my attempts have been met with resistance and inaction. Despite notifying the CRA or creditor of the inaccuracies in my credit report, they have failed to conduct a reasonable investigation within the stipulated timeframe as required by the FCRA. This failure has further perpetuated the harm caused by their inaccurate reporting. I have reason to believe that the CRA or creditor has made an unauthorized inquiry into my credit history without my consent. This unauthorized inquiry is not only a breach of my privacy but also a violation of my rights under the FCRA. In an effort to address these violations, I have made multiple attempts to resolve the matter directly with the CRA or creditor. I have provided them with all necessary supporting documents, including evidence of the inaccuracies in my credit report and written requests for investigation and correction. These implications have a serious consequences. For example, my personal data including, but not limited to address, my full name, work number, social security number, etc. This had effected me financially and emotionally. This defamation of my character has hurt my credit score which I was threatened my credit score would suffer and the possibly of being taken to court as well when trying to understand my charges from Sallie Mae. Not to mention, my info that was leaked and apart of data breaches have also been leaked to third parties and the dark web according to XXXX XXXX.
Product: Checking or savings account

I was charged by a company called XXXX XXXX multiple times unauthorized. I contacted XXXX first to resolve the issue directly, and no resolve was as made. I called Bank Of America and started a fraud dispute process with screenshots, and attachments showing I tried to directly resolve with XXXX and my claim has been denied three times. I had done business with XXXX before and it was a non issue, until the week of XX/XX/XXXX through XX/XX/XXXX. I had redeemed multiple times from them before and never had issues but on these weeks they would deposit money into the account and then either take it back or post new fraudulent charges. On one week being the week of XX/XX/XXXX I was not able to get screenshots for but I had about XXXX in my account, XXXX deposited a little over XXXX in my account and it showed my balance at close to XXXX I cant remember the exact amount. In the morning that had changed to XXXX meaning I was charged while my phone was away. The following week same thing happened. I had about XXXX in my account and they deposited about XXXX in my account and I have screenshots for that one where it shows the amount deposited and my balance at close to XXXX and in the morning it went down to XXXX again and with no new charges. I sent an email to the support team with screenshots and explaining that this has been an issue for two weeks. They sent an email back telling me to wait and see if the deposit cleared because the bank might be holding it. I sent an email back telling them I would wait but had this issue the previous week and am still missing that money. After that I got no response back and next time I checked my account was banned with no access to my points or supposed purchases I made. I sent Bank Of America all this information and they denied my claim. This most recent time I got a letter from Bank of America that XXXX XXXX sent showing the charges but the billing address does not match my card. I asked the Bank representative if the charge should have gone through and they told me no if the billing address doesnt match. This case is still ongoing. I will attach all screenshots I have sent to Bank Of America
Product: Debt collection

XX/XX/XXXX CFPB : At my family 's homestead, XXXX XXXX XXXX, XXXX, IL XXXX, built by my parents, XXXX and XXXX, in XX/XX/XXXX, I have received JPMChase ARM Loan XXXX Payoff Statements, through First Class Postage USPS Delivery. The Payoff Statement received XX/XX/XXXX, was for {$84000.00}. The Payoff Statement received XX/XX/XXXX, was for {$88000.00}. Somehow, in the course of 24 hours, the JPMChase Texas Mortgage Servicing Computers calculated an extra {$4000.00}, that I was expected to pay. XX/XX/XXXX, JPMChase took all my Mortgage Payoff Statements from XXXX Bond, and refuses to return any of them to me. On the back of each such Statement, I printed, in ball-pointpen, the Date and Time that I had received each. I stored said Statements, with other Mortgage Documents,  in sealed, nested, re-sealable thick-walled transparent plastic bags. I demand, that JPMChase immediately send me the Originals of those XXXX Statements. If that is not possible, then I demand that JPMChase send True Copies, to be followed up with the Originals. Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Student loan

Nelnet has, on multiple occasions, denied/cancelled/returned my student loan payment, under the guise of my bank account having " insufficient funds. '' My bank account has been in good standing each time, as the account used IS ONLY used for student loan repayments and nothing else. A quick search on the Internet confirms that this is not isolated to just myself, and that many have suffered the same problem ( payment returned and interest added despite bank account being in good standing ). Nelnet also has an auto chatbot that does not connect a client to a representative, and only refers to the collected FAQs that do not assist with individual cases. The same can be said for their email and phone support. Nelnet is conducting shady business practices and should be thoroughly investigated for fraudulent activity.
Product: Prepaid card

I disputed a transaction with PayPal for {$430.00} PayPal refuses to refund me I contacted PayPal today. The representative had me on hold for over XXXX minutes. The total time I spent on the phone with customer service was a hour and XXXX minutes. I disputed a transaction because the hotel I stayed at had roaches and a nasty dirty filthy mattress Ive also submitted proof to PayPal and they just dont care
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Inaccurate Reporting Upon reviewing my consumer report, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on my accounts with XXXX  XXXX ( XXXX ) and XXXX XXXX ( XXXX ), where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed a payment on these accounts. 

I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claims of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports.

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
" 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

In accordance with the Fair Credit Reporting act Company : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Account : XXXX Company : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

My credit card company, Capital One is charging me an over the limit fee. The problem is that I make a payment during the month to get the account within the limit. However, at the end of the month when they add the interest they run the available to XXXX dollars and give me the over the limit fee. I look at that as unfair since there is no way I can get out of this trap that I have been put in by them. They want me to use their card, however, they are always charging me interest that cuts off my card and on top of that slapping me with a new charge, the over the limit charge. I make the payment but can not dig myself out because of it.
Product: Debt collection

A debt collection company by the name pf Phoenix Financial Services has placed an open account on my credit report on XX/XX/XXXX. In my research this stems from an ambulance bill. The service date was XX/XX/XXXX, I almost lost my life this day. The ambulance bill was taken care of by or should have been taken care of by the Texas XXXX XXXX XXXX XXXX, as well as my employer XXXX XXXX XXXX XXXX who had also insurance through XXXXXXXX XXXXXXXX. This was a work related incident. The originator of this bill was XXXX XXXX XXXX, hence XXXX. My credit score is now destroyed, prior to this collection that appeared out of nowhere, showed my credit report with good and exceptional credit. This fraudulent and erroneous collection that was placed on my XXXX score caused a plummet of XXXX points. I have disputed this with the 3 credit agencies, XXXX, XXXX and XXXX and deeming this as identity theft. The Workers Compensation is also reviewing as well and my pervious Employer, XXXX XXXX XXXX XXXX and XXXX XXXX. This company Phoenix Financial should have never put this on my credit report as a collection. This company according to complaints with XXXX and yourself is destroying peoples credit and life. Please investigate to close this company for continuing to destroy peoples credit with placing false collections of peoples credit report. They need to delete from credit report and reinstate the score prior to this fraudulent collections. How are they able to get away with identity theft and place it on someone's credit. This is clearly with so much evidence a workers compensation claim. If there are any one fighting to get their name cleared from these false collections, please share and help us fight so no one else is destroy by Phoenix Financial Services-Collection Agency .
Product: Credit card

I contacted this company to update my credit report with the late payment saying late for XX/XX/year>2024. This information is inaccurate. I contacted Chase to get a later date on my payment due to pay funeral expenses for my father. This account wasn't 30 days late. Also in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states Ihave a right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX