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

Subject : Demand for Immediate Removal of Fraudulent Accounts and Cessation of Related Activities To Whom It May Concern, I am writing to formally demand the immediate removal of fraudulent accounts and inquiries that have been identified on my credit reports. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently become aware of XXXX fraudulent accounts listed on my consumer credit reports from XXXX, Equifax, and XXXX. These accounts are not authorized by me and are the result of identity theft. The details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Account Additionally, the following inquiries have been made on my report without my consent and are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These accounts and inquiries have not only damaged my credit rating but have also caused significant distress. 

I previously submitted an FTC Identity Theft Affidavit regarding these matters. Under the FCRA, I have the right to dispute items on my credit report and to expect a timely response. Therefore, I am demanding the removal of these fraudulent accounts and inquiries from my credit reports within XXXX days from the receipt of this letter. Additionally, I request that all related collection activities cease immediately. 

Please confirm in writing that these actions have been taken and provide me with updated copies of my credit reports reflecting these changes. 

If these matters are not resolved promptly, I am prepared to take further action as necessary to protect my credit reputation. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Debt collection

I have sent may letters to Spring Oak Capital requesting them to verity this account. This account is unfamiliar to me. Spring Oak Capital has not sent me any information to verify that this account is mine.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX was stolen and hacked with Discover credit card loaded to XXXX wallet XXXX Late Morning : Authorized user ( mother ) notified of declined purchase at XXXX. Immediately called Discover to report fraud and file dispute. 
XX/XX/XXXX : Notified dispute was not accepted despite taking immediate action against fraud and called Discover support to which they justified their investigation through verification of card payment through phone number of stolen phone. Reappeal process has been filed but want to let CFPB know that Discover is trying to hold me liable for unauthorized fraudulent transactions
Product: Debt collection

They have called on multiple occasions. I tell them I do not want them to contact me anymore and I am going to press harassment charges and them tell me they will continue to call me and thwy will disconnect the call. They also will call and if I do not tell them my name they will not tell me what company they are calling from and disconnect the call. They are always very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. XXXX XXXX Balance Owed : {$980.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX National Credit Systems XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company is reporting incorrect information to my consumer report
Product: Checking or savings account

My account was overdrawn due to money not being deducted properly
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The reason for my CFPB complaint is I met the Citibank promotion requirements for their Basic Checking Accounts for two separate accounts, one for me and one for my wife as described below, and Citibank should deposit {$200.00} each into our accounts. Here are the details : On XX/XX/2020 I responded to Citibanks public offer for new checking account promotions. I opened a Citi Basic Checking account # ending in XXXX for myself with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct for 60 days. 

On XX/XX/2020 I spoke with the Citi Customer Service Representative to ask what address I should send my {$5000.00} deposit check to, and he responded : XXXX XXXX XXXX, XXXX, KY XXXX. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Separately, my wife XXXX XXXX XXXX also opened a Citi Basic Checking account with the promo terms of {$200.00} with a {$5000.00} deposit maintained in the ckg acct XXXX for 60 days. I arranged for online payment of this check for {$5000.00} from my XXXX XXXX ckg acct on the following day, XX/XX/XXXX. XXXX XXXX # XXXX was confirmed received by Citi on XX/XX/XXXX via a letter from Citi Cards - Payment Investigations. I received a copy of the cancelled check. 

Therefore these two checks were confirmed received by Citibank, but never deposited in the newly-opened Basic Checking Accounts. I contacted Citi numerous times by telephone and in writing instructing them to deposit the two checks in the respective accounts for myself and my wife, and they never did this. 

Citi returned the $ XXXX funds to us separately on XX/XX/XXXX for my wife and XX/XX/XXXX for me. 

In separate emails sent to my wife and myself on XX/XX/XXXX, Citi states weve determined you havent fulfilled the Offers eligibility requirements for the following reason : The required deposit balances were not met during the offer period. 

My position is that both my wife and I met the promotion requirements since Citi held our $ XXXX funds for well over 60 days, and therefore should deposit the promo reward of {$200.00} each in our Citi ckg accts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Product: Credit card

I received a letter from debt collection agency that I owe Macy 's $ XXXXI contacted Macy 's and found out that they did not have my address and phone number. 
When I created the Macy 's credit card, I provided all the information. 
Yet the information is never entered. They encourage customers to open a credit card account to receive discounts. 
They told me to wait for the bill since the balance will be different because of the discount. 
I never received and soon forgot the bill. 
Initially the balance was {$99.00} and now it is ballooned to $ XXXXIf I had been notified, I would have done something. 
What is interesting is the debt collection agency knows my address. 
I wonder why Macy 's did not send anything.
Product: Credit card or prepaid card

My husband and I traveled on a XXXX XXXX cruise in XX/XX/2018. Based on a program offering 12 months of no interest, we purchased two fairly expensive watches from XXXX XXXX, a company based in New York. We were informed that as long as we made 12 equal payments on time no interest would be charged. I made every single payment on time as agreed. My last payment was made in XXXX and was only {$26.00} because we had paid so much down already. I was shocked to receive a bill in the mail for all interest that would've been due had I not made any payments. I called XXXX on XX/XX/XXXX, the day I receive the bill to figure out why I am being charged. They basically explained that even though the last payment of {$26.00} was not due until several days after it was received ( I paid it before the due date ), the 12 months no interest program expired a few days before the payment was actually due. So basically I got charged over {$570.00} for a {$26.00} final payment that was paid early. I have excellent credit and strive to always pay my bills on time. I have never filed a complaint or had an issue with a 12 month no interest arrangement. This was extremely deceptive. Even the representative I spoke to thought it was unfair, but there was nothing he could do. 

Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX IN. XXXX ' Acct # 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: Vehicle loan or lease

I am a XXXX veteran who co signed on an auto loan with my XXXX  XXXX veteran brother who has XXXX. 

Complaint # 1 I was not informed that late payments would be reported to my credit report because the Dealership nor G.M.Financial Corp.did not provide a seperate co-signer notice as stated below by CFPB Regulations, until I received a phone call from G.M. Financial on XXXX-19 after payments was 3 months passed due. After the call I immediately checked my credit score and was devastated to see that my score had decreased each month by a huge decreased amount and now below 600 fica score. G.M. Financial and the Dealership must be held legally accountable and correct this illegal act. 

CFPB Regulation as follows : As co-signer, you should receive a separate notice by the lender prior to signing the agreement. The notice will contain the following information : You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesnt pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. 
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. 
The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record. 

Complaint # 2 During the phone call mentioned above on XXXX-19. I informed G.M. Financial that my brother was having XXXX Behavior episodes and that I as the co-signer which to surrender the vehicle that is in default because I didn't know the each late payment would be reported monthly on my credit report. I was informed that it was an option and my right. Then I was told that I had to find the vehicle and have it in my possession even though I am the co-signer and don't have a tracker on the vehicle as G.M. Financial does and I don't know the location of the vehicle. G.M. Financial must be held legally accountable and correct this illegal act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for verification information on the verification process and details on how the information was verified as accurate. I also requested a timeliness for when the issue was resolved. I also requested details on how They verified the accuracy of said accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

my identity was compromised through XXXX. this account was opened due to that breach, i have been trying to get this debt removed for 3 years to no avail.
Product: Credit card or prepaid card

Golden one has still not addressed the issue properly as a business institution should. There have been claims that my story has changed which again is falsified information. My story never changed. It has been stated that I was given multiple reasons why my claim was denied which again is incorrect. My claim was only denied based off of speculation on where the card had been used. So I need documentation and proof of evidence stating exactly why my case was denied and the evidential factors as to why my case was denied. I have filed a police report in this matter and need sufficient reasoning as to why my case has been denied. Extensive research was supposedly conductive but during this research XXXX stated I used my credit card at an ATM which again was false information. She was adamant about this and stated I had been using my credit card at the ATM which let me state again never happened. So I have been targeted by XXXX which what seems to be a personal vendetta during this claim investigation rather than any help what so ever and shes suppose to be a manager. Very disappointed in Golden 1 and how this claim has been handled. Golden 1 even makes false claims on their website stating members have zero liability for fraud. So yes I need a letter and documentation of the evident golden 1 claims they have on this claim which should be no problem for them since they conducted extensive research. Type it in a letter in depth and with great detail. Thank you.
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 ) ( 1 ) ( 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 deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

on XX/XX/XXXX I called the Citi Bank Visa card customer service number to close my credit card account and I wanted to do it before the annual {$99.00} fee was due. My card balance is paid in full except for the {$99.00}. This card was a AAdvantage Platinum Select Card. After XXXX hour and several customer service people I was told they were unable to help me or my wife and to call back. We were further told my name is no longer on the account and would only speak to us if my wife was present, which she was. We called back on XXXX XXXX XXXX XXXX, and finally today XX/XX/XXXX. After about an hour each time I was told to call back that they we unable to access my account and close it. After all of our attempts my wife and I are at our wits end, and all this just to close my account. At this point we are just asking this Federal Agency to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account # XXXX Subject : Request for Account Information Dear, Apple Card/ GS Bank US I hope this letter finds you well. I am writing to request specific information regarding my account with your organization, which has been charged off. 

Please note that I am not disputing the validity of this charge-off ; rather, I am seeking clarification on the following dates pertaining to my account : 1. Date of First Delinquency 2. Date of Last Activity 3. Date Charged Off This information is important for my records and for any future financial planning. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chase bank illegally closed my account and seized funds in the amount of {$3700.00}. They claim they are holding the funds indefinitely, because there is some kind of an investigation. 

They have provided no proof of investigation, they have not called me to ask me any questions, they are fraudulently holding my funds. I have repeatedly contacted them to request return of my funds with interest, they have refused. 

There is no investigation into anything, they are breaking the law and stealing money
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with FedLoan Servicing. 
I was told that there was a mix-up with my social security number and that Fedloan Serving was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but Fedloan Servicing refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE IDENTITY THEFT ON MY EXPERIAN REPORT XXXX XXXX XXXX XXXXACCT XXXX XXXX, AND XXXX XXXX XXXX ... ACCT XXXX ... XXXX ON XXXX XXXX. 
THESE ARE FRAUD ACCOUNT I HAVE BEEN DISPUTING FOR 2 YEARS AND THEY REFUSE TO REMOVE THEM. I HAVE SENT SEVERAL DOCUMENTS FORM THE CLERK OF THE COURTS, AND XXXX COUNTY CLERK SHOWING I HAVE NOT LIVED OR EVER BEEN EVICTED FROM THESE PLACES. THE CREDITOR DOES NOT EVEN HAVE MY SOCIAL SECURITY NUMBER ON THESE ACCOUNTS. XXXX XXXX AND XXXX  ALREADY REMOVED THEM DUE TO FRAUD BUT EXPERIAN REFUSES TO REMOVE THEM/. THESE ARE NOT MY ACCOUNTS THE IDENTITY ON THEM IS NOT MINE. PLEASE HELP ME TO GET THESE REMOVED I AM XXXX XXXX XXXX XXXX THE FRAUD ACCOUNTS DO NOT MATCH MY NAME OR SOCIAL SECURITY NUMBER