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 {$5400.00}, {$19000.00}, {$25000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4300.00}, {$3900.00}.

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 XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

4. XXXX/XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

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


-- PERSONAL LOAN 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 


-- OTHER ACCOUNT 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Formal Complaint Against Experian for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$4000.00} Despite providing evidence that the charge off account is incorrect, Experian has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against Experian for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for Experian 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXX/XX/XXXX XXXX : XXXX
Product: Debt collection

This company continues to be deceptive and invade my privacy. They are reporting and damaging my credit, they communicated with me several times in regard to a alleged debt. I have expressed to them, I dispute this alleged debt. Ive called and put in complaints to the CFPB, as well as the XXXX Within the XXXX they state I owe this alleged debt. Which is false and misleading. As well as obscene and profane language. Ive asked for ALL accounting, and documents related to this alleged debt. They sent me some invoices from some other company as well as a blank paper with some times and dates " that claim they called in regards to this alleged debt. They we not looking for location information from their supposed notes. These look to be repeated harassing calls in connection with a alleged debt. Further violating my rights as consumer and violating my privacy. I don't know how they received my personal information to even contact me. I have never consented to do any business with Kings Credit Service nor have them invade my unalienable right to privacy. I have given there company several laws they have broken as well as spoke to their Attorney XXXX XXXX. He was suppose to be getting back to me, with ALL information I have requested. The File labeled XXXX XXXX is the supposed verification and validation, they claim they have given me. There is no forward flow agreement or bill of assignment, if this is my alleged debt and they have any rights to collect. The amount they are alleging I owe is a positive amount. This we be my last act in good faith to resolve this matter.
Product: Credit card

For many years now I have been paying my Discover credit card balance on time but recently decided to look into in more details, it seemed that little was applied to my principal, the worse is that I noticed for many years now the " BALANCE SUBJECT TO INTEREST RATE '' on purchases decreased while " BALANCE SUBJECT TO INTEREST RATE '' on cash advance has been increasing at much higher interest rate has increased month after month for many years since as far as XXXX ( Discover statements are not available past that year XXXX XXXX for me to assert with full certitude that the practice did not start at a earlier date ), in XXXX XXXX my cash advance balance was at {$1600.00} and it is now in XXXX XXXX at {$6900.00}. The cash advance as of XXXX XXXX was at {$0.00} and it has been at {$0.00} to this date in XXXX XXXX, so I am not quite sure how it is possible for a " BALANCE SUBJECT TO INTEREST RATE '' on cash advance to increase on that basis, on the other hand allow " BALANCE SUBJECT TO INTEREST RATE '' on purchases shifted/moved to " BALANCE SUBJECT TO INTEREST RATE '' to cash advance at a much higher rate all the sudden for years. The XXXX Card Act is very clear on the rules on payments allocations and for years it was not done putting us through financial distress for years now.
Product: Debt collection

Have not received any communication, release of judgment, removal of debt from Midland credit management, and removal of debt from my personal credit reports etc. Invoice of total owed received on XX/XX/2023. Check in the full amount of {$4900.00} was mailed out on XX/XX/2023. According to records check cleared in early XXXX. Again! have not received any communication, release of judgment, removal of debt from Midland credit management, and removal of debt from my personal credit reports etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Serious delinquency, number of accounts with delinquency. Not true. If it is, show me. What is my true credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

- When my loans transferred from XXXX to XXXX, I was told that all information including my XXXX plan information, my payment amount, and direct debit information would transfer with it. 
- My loans were transferred as of XX/XX/XXXX due to participation in XXXX - XXXX was not able to give me any information regarding my loans from XX/XX/XXXX through XX/XX/XXXX with no explanation ever given. 
- On XX/XX/XXXX, I was told that my payment amount would be $ XXXX, on an XXXX plan - I paid the XXXX amount and set up direct debit for the regular monthly payments - On XX/XX/2017, I paid a lump sum on a single loan that I wished to pay down the principal of. I chose a high interest loan that I wanted to pay down at an accelerated rate. 
- My online account continued to reflect a monthly payment of $ XXXX - XXXX week later, I received a letter in the mail, dated for XXXX/XXXX/XXXX, stating that my monthly payment would be $ XXXX, due to my XXXX having expired. I had renewed my XXXX in XX/XX/XXXX, with XXXX, so this did not make sense to me. 
- I called XXXX who were unable to explain why my online account still stated a monthly payment of {$290.00} and I got a letter stating {$2800.00}. They refused to attempt to contact XXXX to confirm that I had renewed my IBR. They stated that I had to pay {$2800.00} for XXXX ( which was XXXX weeks away ) or put loans into forbearance. 
- Therefore, I asked for PART of the lump sum ( {$2800.00} worth ) to be reallocated to the XX/XX/XXXX payment so that it would be covered while I reapplied for XXXX due to the error in loan transfer. 
- Instead of reallocating part of the loan, they instead just redistributed the lump sum to " pay my account ahead '' in spite of my express wishes to use the majority of the lump sum to pay down the highest interest loan. 
- I have called twice since this occurrence to ask the the payment be appropriately allocated, and they still have not corrected the error. 
- In addition, they received faulty information from XXXX that my loans had been in forbearance from XX/XX/XXXX through XX/XX/XXXX. This is inaccurate. I paid monthly PSLF-qualifying payments to XXXX from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX payments by my count. They refused to contact XXXX to correct this misinformation and have therefore given me no credit for XXXX PSLF-qualifying payments during the time I was at my former employer. I sent the documentation proving that I had made payments and have received no response regarding the matter. 
- At this point, I have called XXXX XXXX times and spent about XXXX hours of my time on the phone with them. I work as a busy primary care physician and XXXX hours of my time is approximately {$400.00} based on my hourly wage. Every time I call they state they will correct the error only to generate new errors or fail to correct existing errors.
Product: Credit reporting

I recently signed up for credit mointoring on Experian 's website and noticed erroneous account on my report. Following this discovery I sent Experian correspondence dated XX/XX/2015 ( see attacehed dispute letter ), alerting them of the frivolous information and requesting an investigation. I also sent Experian a copy of my driver 's license, SSN card and recent utility bill. To my bewilderment, Experian responded back with a notice stating they received a " suspicious request for investigation '' ( see attached response ) and claimed the person that sent this dispute was not me and hence Experian refused to investigate the frivolous items. 
This issue made me refer the matter to my legal council, who assured me that Experian is required by the Fair Credit Reporting Act to maintain accurate report information and is duly responsible to investigate any questionable items, which in this case they have blatantly refused to do so. Ironically, XXXX of the collection companies reporting on Experian that I called by phone, XXXX and XXXX were able to withdraw the accounts from Experian by acting unilaterally. 
Once again, the items I detailed need to be rectified or I shall have no choice but to pursue this matter using judicial means.
Product: Checking or savings account

Recently, I experienced the distressing situation of misplacing my phone, which contained both my phone and card within its case, at a local park. After several days of utilizing the XXXX XXXX XXXXXXXX feature, I was relieved to retrieve my device, only to discover unauthorized transactions totaling {$470.00} had been made through XXXX XXXX to an unfamiliar recipient.In response to this alarming discovery, I promptly filed a police report and initiated a claim with Wells Fargo the following day. However, to my dismay, I received disheartening news on the XXXX. I was informed that Wells Fargo has decided to close my account within a mere 10 days and, furthermore, my claim was unjustly denied.Ive attached the police report for your reference.
Product: Credit reporting or other personal consumer reports

Wrong code entered for insurance claim which is now having a negative impact on my report
Product: Debt collection

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts/Inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

This reported late credit card payment on Transunion was disputed with XXXX XXXX  and they cleared it over a year ago. 

Please fix this error or show me a letter from XXXX XXXX  stating otherwise. 

Thank you! 

XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I engaged a lender to start the refinance process of my home and gave that lender the right to pull credit reports for my wife and myself. On XX/XX/XXXX, I received an email from Ditech, my current servicer, indicating they received a notification when customers have a credit inquiry from another mortgage lender. Within that email was an incentive from XXXX XXXX with Ditech indicating that if we chose Ditech to refinance a {$250.00} Visa gift card would be sent to me. 

Such an incentive is an unethical way to obtain business as is any system set up to trigger an alert if a customer has a credit inquiry from another mortgage lender. It is an unfair and deceptive technique to use to obtain business and any incentive given for using a lender is unethical.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that QUALITY ASSET RECOVERY would verify the debt. So I took it upon myself to ask QUALITY ASSET RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

The issue is during when XXXX was servicing the Loan. See attached file. 

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans.

Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived.

A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance.

My Navient student loans were owned by the Department of Education ( proven by the Department of Education TDU approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. 

XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XX/XX/XXXX ant XX/XX/XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX XXXX. XX/XX/XXXX
Product: Consumer Loan

They added insurance without my permission and will not take it off the account. I sent them a fax that the auto was not insurable and they have not responded for two years. They now say the loan is delinquient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Trying to get a payoff on a Truist Mortgage. Called BB & T and Suntrust and neither can access account. They supposedly have merged! 

Have been on the phone with Truist XXXX number and they have a wait time of greater than 25 minutes. They say to call back in a week or so. That will just add interest to the payoff amount.
Product: Checking or savings account

I had been fraudulently charged by a credit processor in XXXX when my card was stolen, the charge was resolved. Months later yesterday they reversed it and shut my account down without warning.
Product: Vehicle loan or lease

My husband and I bought a used XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. There was a ding in the back bumper and also a scratch on the bumper. There is also some " bling '' inside of the car. All of these things were promised to be corrected and it was put in writing at the time of purchase. We were also forced to purchase a {$2000.00} clear/protectant coating that has never been applied to the car, we were told it was mandatory for any car sold at XXXX XXXX. My husband has been trying for XXXX months to schedule a time the car can be taken in and these things fixed or applied. XXXX XXXX was the salesman and we have in writing these things will be corrected. He always has an excuse of why the car can't be brought in or says he will call back, but never does! I spoke to a general manager today and he was no help at all! This is fraudulent and a scam!
Product: Debt collection

As I called to get more information about this medical debt reported on my credit report that dropped my score XXXX points. XXXX XXXX XXXX explained that it could be issued by error on their part. The charges were made on XX/XX/2020 at XXXX XXXX XXXX and apparently it was a XXXX surgery on XXXX XXXX and the party was billed for the anesthesiologist bill was never paid. 

I have never been to this place nor have done any surgery on my XXXX, nor do i even LIVE in this area! This was incorrectly reported on my credit profile and is now hurting my credit reporting XXXX score. 

This is unfair that the medical billing and collections agency, try to put anyone responsible for others bad debts. This is affecting my ability to close on my home loan!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX Account # XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

ACCOUNTS : DEPARTMENT OF EDUCATION # XXXX