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 {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
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. 

-- AUTO ACCOUNTS -- XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- OTHER ACCOUNT -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.
Product: Debt collection

Barclays is attempting to collection on a debt not owed. I didn't know about this debt until I checked my credit. As soon as I found out about the debt I called and paid it immediately. I don't recall any statements, calls or notifications regarding this debt. I believe this violates my 30 day right to dispute.
Product: Bank account or service

Opened a new account checking with Citibank. I was supposed to get a bonus deposit as part of the account opening terms. Citibank has not given me this bonus after almost 3 months of having met the terms of the agreement.
Product: Debt collection

I have been trying to get this off my credit report since 2 things off my credit report. I never lived at this place and don't owe them anything. i talk to the leasing company and was told they was going to fix it and it will be removed give 30 days nothing happened I see that they sold it to a collection company. 

National Credit System {$6300.00} XXXX {$450.00}
Product: Credit reporting or other personal consumer reports

Kia America Finance / Hyundai Capital sold my information to a debt collection company called XXXX XXXX. This company then called me about a collection and I ask this company to provide a contract between them and I & they couldnt. Therefore that account isnt mine. Also, Kia themselves are reporting on my credit report that this account is a charge off and according to the IRS the canceled debt is gross or ordinary income and income does not get reported on your consumer report. Therefore this charge off is an inaccurate account. Also this company was suppose to send me a 1099-C form within 30 days of the debt cancellation. Ill also be filling out another form due to this. Also, this account would not be a charge off or in collections if Kia would have sent me the documents requested Ive been asking for since XXXX XXXX  XXXX on why I still had a balance after my insurance and gap company made payments. I just received these forms in XXXX XXXX XXXXXXXX after filing a complaint. I also was aware that if anything was to happen to my vehicle 100 % of my loan would be paid off, so I was confused as of why I still had a balance. If Kia would have provided me with the documents I requested in XXXXXXXX XXXX XXXXXXXX instead XXXX XXXX  XXXX this matter would have not happened. Now I have inaccurate reporting on my credit file due to Kias customer service not doing their job.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year>
Product: Debt collection

Navient Solutions LLC has continued to contact myself, my family, neighbors, and acquaintances after I sent a cease and desist letter on XX/XX/2019 disregarding federal debt collection laws.
Product: Student loan

I have help to write this letter for help. I am currently on XXXX I started drawing this in 2010. I was referred by XXXX worker to Legal aid to assist me with getting XXXX because I was struggling in the program tanf. I tested in the program with XXXX program and my results were very low and under testing requirements low math scores and cognitive scores showing I had scored low intellect scores in many areas. I struggled all through school I graduated but I'm sure they just passed me through. so I eventually tried the 2 year college I scored low but financial aid obviously pushed loans that I never understood the whole process of even where to get my books. so I never completed to gain credits. How could they allow me to enroll and receive fincial aid knowing i couldnt complete. when I clearly struggled to even find the classes. even in school I was not offered special classes when I showed failing always. XXXX sent me to test in many areas and I was shocked when an advisor give me my results basically I had many learning problems. I started Adult ATTN ( ADD ) medication as an adult it helped but I developed insecurities over the years from losing employment I still feel humiliated from so many comments on my ATTN issues math XXXX and on how it takes too long for me to learn tasks. I'm now responsible for these loans that I never gained a degree for with so many attempts to try again to fail ..I wish someone could have not allowed this financial hardship and prevented such a waist of funding with out special placement of some kind.
Product: Prepaid card

Trying to use American Express XXXX card. Put in all relevant information on XXXX. Card keeps getting declined. Checked card on website and cant get a verified balance. Through robot call says XXXX transactions for XXXX each were processed. Waited over an hour to speak with a service rep no answer. Very shady company in my opinion ripping off consumers. Tells me to go use card somewhere else????
Product: Mortgage

I sold my house on XX/XX/2014 and paid the money at closing to Bank of America. They went and reported me late to all XXXX credit bureaus thus causing an issue with buying a new home. It still shows up on my new credit report.
Product: Mortgage

My Name is XXXX XXXX my email is XXXX. My Cell number is XXXX. I have been a chase mortgage customer since XXXX of 2009 Chase keep denying my refinance loan first they claim their processing fee was too high. Now they claim my student loans even though I gave them a mortgage letter that shows them how much I pay monthly that I am in an income driven program and all student loan will be forgiven after 10 years of payments. I have been their customer for 11 years and I have the same student loans for 8 of those 11 years. My credit score is in the high 700s no other major debt. The loan is only {$50.00}, XXXX. If they decline my refinance which would actually make the payments lower and easier I would still remain their client because I am already a chase mortgage customer. This makes no sense at all to me and no one as a straight forward answer. I believe this is common practice of chase to prey on minorities. I have already pull a case that they have done this in another state. Something needs to be done. I have 11 years of on time payments with this bank. Why would you deny a defiance to a customer already a client for me simply for one reason to leave the customer with a higher interest paying loan because after the denial I am still your customer what is the risk for the bank?????
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX from XXXX. I consolidated my XXXX loans to XXXX XXXX. Transunion had them as being collection accounts with a XXXX balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. Transunion said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. Transunion then told me they would only be on my credit report til XX/XX/XXXX, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/XXXX never told me the transfer to XXXX. I am tired of fighting these loans.
Product: Debt collection

I am writing to formally dispute the accuracy of the Portfolio Recovery account currently being reported on my credit file. I have noticed discrepancies and inaccuracies with this account that violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. **Inconsistent Reporting Across Bureaus** : The account in question is not being consistently reported across all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX The Fair Credit Reporting Act requires that all information provided by furnishers be accurate and consistent across all reporting agencies. The discrepancies in reporting dates, account balances, and payment history constitute violations of FCRA, specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. This inconsistency alone is grounds for the removal of this account from my credit report.

2. **Lack of Proper Verification** : When I requested verification of the debt as required by the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I was provided with a list of charges rather than documentation proving that I owe this account. Under 15 U.S. Code 1692g ( b ), the debt collector must provide the consumer with written verification of the debt, which includes a signed agreement or other proof tying the debt directly to me. A mere list of charges does not meet this requirement, and I have yet to receive the required " wet signature '' or legitimate documentation validating that this debt belongs to me. Therefore, this account must be deleted from my credit file. 

3. **Fraudulent Account Opening Date** : Furthermore, the Portfolio Recovery account is being reported as having been opened in XXXX. However, the list of charges provided by Portfolio Recovery shows transactions beginning in XXXX, indicating that this account was fraudulently opened. This discrepancy between the dates further supports that this account was not initiated by me and was opened under fraudulent circumstances. The Fair Credit Reporting Act prohibits the reporting of fraudulent information, and this should result in the immediate deletion of this account from my credit report. 

Please be advised that if this issue is not resolved promptly, I may take further action to protect my rights under federal and state laws. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I 'm having problems with Equifax not correcting info on XXXX public records they have listed. I disputed with XXXX & XXXX 30+ days ago & they deleted XXXX of them & corrected the info on a XXXX. This is the 2nd time I 've disputed with Equifax & both times they came back " completed '' in just a few short hours. The other XXXX CRA 's took almost the 30 days allowed to delete/correct the info. The fact that 1 ) it took Equifax a couple hours to " complete '' this " investigation '' & 2 ) they state the info is correct when it absolutely is not correct, tells me they are n't even attempting to verify & correct this information on my credit report with them. I have been to the courthouse in person & have seen the correct info, and the other XXXX CRA 's have actually investigated these listings like they are supposed to, and already deleted/corrected the wrong listings. If a CRA is going to take the time to include public records which is EASY to verify if they actually did it, then they need to take the time to make sure this info is correct. This is my credit report & is very important, and as such it needs to contain correct info, not junk they just throw on there, without making sure everything is kosher first. This affects my life to a huge degree in every way imaginable, from getting credit to getting a job. As I stated, this is my 2nd attempt to get this info fixed with them, and both times they were negligent ( in my opinion ) in fullfilling their purpose & duties as a Credit Reporting Agency. They most obviously are n't actually investigating these incorrect listings when the info listed is STILL wrong, and the other XXXX CRA 's already actually investigated these and found them to be incorrect & deleted XXXX that are due to fall off soon, and updated the newest one with the correct info. As such, I would like Equifax to completely delete all XXXX of my paid medical judgements they have listed, since they are obviously not interested in displaying the correct info & just want to show whatever they feel like without regard to the very real problems that an incorrect credit report causes in peoples ' lives. And for the record, Equifax 's online dispute system is complete rubbish compared to the others '. Half the time you get errors when answering the questions that identify you, or it states your answers are incorrect, when in fact they are correct. Also, Equifax 's dispute system does n't allow for any notes to be added to the dispute like you can with XXXX 's & XXXX 's. That is just plain stupid, but does n't surprise me considering they do n't seem interested in making sure peoples ' reports are accurate & just spit back " completed '' investigations, when none ever actually took place.
Product: Credit reporting or other personal consumer reports

There is an unrecognized account on my credit report that does not belong to me, and I suspect it may be due to identity theft or fraud.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigstion of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither contacted nor removed disputed items despite the evidence and information I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

Pursuant to Complaint Nos. XXXX  and XXXX, the description of the relief granted was that the " interest capitalization on XX/XX/XXXX for Loan Sequences 4, 7, 8, and 12 will be reversed due to a processing error. '' In a later complaint, Complaint No. XXXX, my attempt to address the interest capitalization on Loan Sequences 1-3, 5, 6, and 9-11 failed, but the response explicitly acknowledged that it was " honoring the initial promise to reverse the interest capitalization effective XX/XX/2016 on loan sequences 4, 7, 8, and 12 ''. However, in looking at my account online, the interest capitalized on those four ( 4 ) loans has, in fact, NOT been reversed.
Product: Payday loan, title loan, personal loan, or advance loan

Total loan is {$14000.00}. On XX/XX/year> the lender sends the first billing statement with a due date of the first payment due on XX/XX/year>. They then send 4 more bills at the same amount ( {$240.00} ). After 5 payments the send a bill increasing the payment to {$240.00} effectively reducing the term of the loan from 60 payments to 59 payments. No where do they disclose that they have the right to change the term of the loan. They refused to provide an amortization schedule and assert that they should have billed the first payment a month earlier. The fact is they did not bill a month earlier and the term should be 60 months not 59. They are obviously changed the amount of the payment in order to recover the value of 60 payments over 59 payments. What they should do is return the payment to a 60 payment schedule rather than a 59 payment schedule. While this is a rather small amount, the issue is disclosure and transparency. The borrower should not be required to fix a problem that they did not cause or the lender should disclose that can change change the term at their option.
Product: Debt collection

Received a letter in the mail, XXXX. On the letter I received, an Affidavit for Renewal of Judgment, there is no date. 
As I understand this letter is about an unknown debt for {$720.00}. Owed to Midland Funding. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attorney for Plaintiff I am unaware of this information and am on XX/XX/XXXXand am not employed for garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX Bank is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate XXXX THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$46.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX