23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax I am writing to request that you remove an item from my credit report that I believe is in violation of the Fair Credit Reporting Act. After reviewing my credit report, I noticed that there is a negative item on my report that should not be there. The details of the item are as follows : XXXXXXXX XXXX XXXX, account opened on XX/XX/2016 I believe that this item is in violation of the Fair Credit Reporting Act because [ this account has not reported all on time payment from XXXX ( XXXX ) XXXX ( XXXX ). I am requesting that you investigate this matter and take appropriate action to remove this item from my credit report. As you are aware, the FCRA requires that all information reported to credit bureaus is accurate, verifiable, and timely. This item is causing harm to my credit score and my ability to obtain credit, and I would like to see it removed as soon as possible. 
In addition, I have attached a second note to this letter to provide further details on the issue and evidence that supports my claim. I am willing to provide any additional information or documentation that may be necessary to assist with your investigation. Please let me know if you require any further information or if there are any questions about my request.

Thank you for your attention to this matter.

Sincerely, Upon checking transunion, experian. They all reporting accurately on o time payments but Equifax is lacking some work. I will sue if this is not rectified!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, XXXX send by XXXX with proof, attached ). Transunion listing is XXXX, XXXX XXXX XXXX, XXXX CLOUD, MN, XXXX Phone # : XXXX They have failed to validate over and over. This is not the first time I have reached out to the company. Since then XXXX and XXXX have removed the listing because of this but transunion has not. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. I contacted the XXXX credit reporting agencies. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any  qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I have also requested this information before and they failed to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my XXXX report that doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I filed a dispute online with Tower Loan through their online Customer Service Issues about the balance on my account and the date of last payment being wrong that was reported to the Credit Bureaus pertaining to my account with Tower Loan. Tower Loan had not been reporting as the company should have, and there for the information on my Credit Report was incorrect. I presented this information to Tower Loans, but Tower Loan never tried to make any corrections or contact me, until I stated that I would file a Class Action Lawsuit against the company. I filed another complaint on XX/XX/2018, and at that time I also made a call to the XXXX XXXX office where my account is located to find out who the Area or District Manager was and how I could contacted him. I first spoke with XXXX XXXX and Mr. XXXX forwarded some papers to me through an email showing that Tower Loan had been made aware of the problem and was trying to correct it. To make a long story short, Tower Loan would have not tried to correct this issue ( and it still isn't corrected as of today ) if I had not brought it to the company 's attention. Tower Loan is still not reporting the correct information on my account, I have only received one phone call from XXXX XXXX about this issue ( after I made three calls to Mr. XXXX ) and he was very rude and arrogant about the situation.Mr. XXXX XXXX 's tone of voice was like I was stupid and he was not concern about the issue. Mr. XXXX XXXX the Compliance Manager, never called me back, but responded in a letter, passing the buck off on the Credit Bureaus. Tower Loan does not have a reliable office telephone, because the phone listed on the  Complaint Form that is online, is a cell phone listed as " XXXX 's Work '', and the call that I received from XXXX XXXX was from an office in XXXX, MS . If Tower Loan home office is supposedly located in XXXX XXXX, MS , why is it that this company does not have a legal telephone for the consumers to contact the Home Office at the phone number given for the company? As of today, Tower Loan is still reporting the wrong information on my account. Tower Loan has three different balances that is owed on my amount reported to the Credit Bureaus as the pay off amount, date of last payment is wrong, and there is no working with Tower Loan about correcting this. I am sure that there are others who have or have had the same problem with Tower Loan and I am struggling and striving to pay this account off and I will not recommend this company to anyone to do business with. I was also send a copy of some emails where I was rudely talked about and these emails show and are dated on the date that Tower Loan did not think about or try to answer my complaint until I mentioned filing a Class Action Lawsuit against the company.
Product: Debt collection

According to my consumer law 15 USC 1681 ( E ) B it states that " They must follow reasonable procedures to assure maximum possible accuracy of consumer reports1. " While this company is reporting a current charge off on my credit report, according the irs charge off is a paid of debt that the agency already collected which is now income according to the irs. Income should not be reporting on my credit report. A charge off is taxable income.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I responded to Synchrony Bank 's letter for a request they made to me to supply additional information for a Lowes Advantage card. The Lowes ad states no effect on credit rating. There was no effect on my credit rating until today after I refused to comply with their request to send them a video of myself. Apparently, the representative took offense to my not wanting to do a video, and after I told her to discard the application and after I discontinued the contact, she did a HARD pull with XXXX XXXX which resulted in my credit score going down XXXX points. I have several requests, I want to file a complaint with both the federal and state against the Bank, but to whom do I fill with? Second, can I file a lawsuit in small claims court? This is both malishish and resulted in the lowering of my credit standing. I am available to provide additional information 24/7 as I am XXXX I intend to contact the Bank later today and file a complaint with them seeking a correction and compensation for the loss of my time rectifying their error.
Product: Mortgage

Predatory Billing Practices of SPS Select Portfolio Servicing , Inc . This mortgage company, I believe, is illegally charging fees for monthly mortgage payments to be made both over the phone and online on their site. In addition, they do not accept electronic transfer payments through XXXX 's Bill-Payer system.

My previous loan company XXXX XXXX XXXX never charged fees for their online service, by phone fee was nominal. SPS charges {$10.00} online from the XXXX XXXX ( there is a XXXX day grace period ) {$15.00} after & phone. 

The loan is FHA and according to research I've done, the illegality is collecting fees for a specific payment method where the mortgage agreement stipulates that charging a fee based on payment type is not allowed they are in violation of their own agreement since they've bought this loan from XXXX XXXX. 

It is noteworthy that, circa XXXX, XXXX, XXXX & XXXX XXXX have all in the past got in trouble for these practices. I was with XXXX who sold to XXXX who became XXXX XXXX who now sold to Select Portfolio Servicing , Inc. Shady goings on if you ask me! 

If there was no fee to use online with XXXX and XXXX XXXX, then SPS should have followed suit. 

The resolution I am looking for : eliminate all fees for making payments or force SPS 's hand to set up with XXXX and every other bank out there as a participating vendor for electronic drafts on the Bill-Payer system. People have the right to handle their own money and pay their bills as they see fit and as they are able to NOT when the SPSs of the world dictate. Yes by all means, please allow me to pay you to pay you ... Ridiculous!!!
Product: Checking or savings account

I have contact cfpb 3 years ago about my chase bank checking account! And when I try to open join account with my gf, they closed immediately after 7 days! They said my ac count has been colsed for some reason happen 5 years ago! Now, they closed my old checking account too, I dont get it for this! Please help me! 
My phone number is XXXX
Product: Debt collection

Senate Bill 332 By : Senators XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX, XXXX of the XXXX and others AS PASSED SENATE A BILL TO BE 7 BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA : 1 To amend Chapter 1 of Title 10 of the Official Code of Georgia Annotated, relating to selling 2 and other trade practices, so as to provide for certain disclosures by third-party high-volume 3 sellers of consumer products on online marketplaces ; to provide for definitions ; to require 4 online marketplaces to provide certain notifications and a consumer reporting mechanism ; 5 to provide for civil remedies ; to provide for a short title ; to provide for related matters ; to 6 provide for an effective date ; to repeal conflicting laws ; and for other purposes. I have never acquired debt with the following/ Have never received a call or letter from agency @ this time they are presented violation of the bill passed and FDCPA OF 1973 XXXX XXXX-XXXX XXXX XXXX  {$2200.00} WAS BOUGHT TO MY ATTENTION AFTER RECEIVING A FREE CREDIT REPORT RECEIVABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid as agreed to whom debt belongs to purchase and reported on credit without my knowledge or consent reported to credit in error SECTION 1. 9 This Act shall be known and may be cited as the " Inform Consumers Act. '' Nothing about the reporting of these accounts are FAIR and ACCURATE! I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence.
Product: Debt collection

They do not reflect my accurate credit history. 
As per the Fair Credit Reporting Act, I kindly request that you initiate an investigation into this matter, and subsequently, upon verification of the enclosed documents, remove this collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

We took advantage of XXXX XXXXXXXX XXXX  XXXX 6 month relief program after paying our XX/XX/XXXX mortgage payment. We relieved ourselves early from the program on XX/XX/XXXX, paid the amount that had been deferred, as well as our XX/XX/XXXX mortgage payment. We were then reported to the credit bureaus for not paying our mortgage. After 7 phone calls between XXXX XXXX XXXX to the mortgage company, we were informed on XX/XX/XXXX it had been fully taken care of and would be removed from our report. 
After being denied for a ( unrelated ) credit card due to delinquency on an account, we called XXXX  to be informed not only had they not been contacted to remove the error, we were still listed as our account being deferred - despite making monthly payments since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the Equifax data breach and XXXX  XXXX data breach. I would like for the following accounts to be removed from my Equifax, XXXX and XXXX credit report immediately. I would like for the XXXX credit account and XXXX credit builder loan from the following company XXXX XXXX XXXX removed from my Equifax, XXXX and XXXX credit reports. I also would like for the following company XXXX/XXXX XXXX  loan account to be removed from my XXXX, XXXX and Equifax credit report. All three accounts was fraudulently open without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Inquiries on my credit reports for XXXX XXXX XXXX I have disputed these inquiries multiple times. 

Fraudulent Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 I had tried to get into my account to pay for my Hoa dues for XXXX XXXX XXXX XXXX XXXX and was not able to. I reached out to them and asked why. I was told that it was frozen due to payments owed. Previously I had spoken to my hoa company XXXX XXXX XXXX XXXX XXXX and told them about my situuation due to covid restrictions dealing with employment and a divorce and previously before that, they stated that they would work with me. XXXX XXXX XXXX had given my account over to Sbs lien company and was demanding that I pay the full amount. I was trying to do a payment plan but it was to high so I was trying to work things out with the homeowners association and sbs lien company ( XXXX XXXX ). On XX/XX/XXXX XXXX I gave ( wired transfered ) XXXX which they received and on XX/XX/2023 I sent an additional XXXX which totals XXXX which is the full amount due with everything included. I asked Sbs lien company for their ledgers of the total amount due before and this was the total amount due. Now that I have paid everything sbs lien company says I owe more. They have been tacking on fees and other things. Please help. 

SIncerely, XXXX XXXX
Product: Credit card or prepaid card

I have HSBC Mastercard Credit card. I had already made the automated payment setup from XXXX XXXX account ending in XXXX more than a month back.

Problem with HSBC : They are so weird and strange. Very different from regular/normal banks or credit card Website is so overwhelming or confusing - all the global products and everything in one place that very simple stuff like seeing the credit card statement and making the payment is absolutely impossible. I got the call from them during morning at XXXX XXXX from XXXX who was stating that minimum payment is not done and make the payment. When i asked - i am on website and how to do that ... she stated she doesn't know. When i asked when the automated payment is already setup then why it is not working? She said that XXXX XXXX takes 1-2 billing cycles to go into effect, which would be why you're not seeing it working yet. 

Essentially this company is involved in some massive fraud out here. They are deliberately not providing the very basic service of automated pay and delaying it in order to make the customer miss the payment and thus they will earn hefty fees and charges from the customer for the missed payments for which customer is not at all responsible. 

Please investigate this fraud HSBC and save US customers.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I called the company to try and get more information about the debt because I felt that this debt had been paid through a Federal Student Loan. The account manager, XXXX XXXX, felt differently. She was very hostile, raising her voice and insisting that she was not removing it from my credit report. I advised her I made the dispute through XXXX XXXX because of this reason and she flew off the handle. I asked her to not be so hostile, that it wasnt necessary and she insisted that she wasnt. However, when she continued to accuse me of trying to not pay the debt and I kept trying to explain that, I am just trying to get more information, she agreed that now she is getting hostile because she doesnt need to hear me say it one more time. I told her, at XXXX months XXXX, I dont need to be treated this way or be yelled at in such manner and she continued to tell me she wasnt going to sit on the phone because I am XXXX and she doesnt want anything to happen because of her. Overall, she said shed send me a letter from the school certifying the debt, which if she had been kinder and more forward about that from the start, it would have been what I was asking for. I dont think this behaviour is acceptable or productive.
Product: Credit card

Good Evening I am submitting a complaint against Citibank Best Buy Retail Services due to over charged interest on a deferred purchases dated XX/XX/year> - {$460.00} and XX/XX/year> for {$480.00}. 

The total amounts increased due to added amounts total purchases {$170.00} ( {$460.00} ) and {$520.00} ( XXXX ) for a total of {$440.00} in interest charges. 

The balances subject to interest changed to {$590.00} ( interest charge {$170.00} ) and {$660.00} ( interest charge {$180.00} ) In addition, a payment was made in the amount of {$120.00} on the deferred purchase of {$460.00}. 

Your assistance with this Citibank interest overcharge issue will be greatly appreciated. 

Thank you
Product: Vehicle loan or lease

I sent a notice of Rescission to XXXX XXXX, C/O XXXX XXXX XXXX and am now informing Bridgecrest Acceptance Corporation , C/O XXXX XXXX, and XXXX XXXX, XXXX The entire contract was one sided and I never received any valuable consideration.

This letter serves as formal notice to immediately cease and desist all illegal activities related to the rescinded contract. Specifically, you are demanded to : - Stop all collection activities - Stop all communications related to the rescinded contract - Destroy all personal information related to the rescinded contract Your failure to comply with this demand within 7 days from the date of this notice will be considered continued willful violation of my rights. I will pursue all legal remedies available to me, including filing a lawsuit and seeking damages.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$2700.00} - Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Owed : {$2700.00} - Chargeoff XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX {$0.00} - Late/closed
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with the fact that I submitted a complaint to the CFPB in regards to inaccurate reporting AND missing information in reference to Equifax and XXXX. These 2 bureaus all advised that my credit report is true and accurate. I submitted documents with MISSING and INCONSISTENT information within the account information profile. I also submitted documents with INACCURATE and INCONSISTENT payment reporting between these 2 bureau 's. This is violating federal law and I want these accounts reflected in the attached documents to be deleted due to the credit agencies listed above violating federal law and none of them rectifying this problem or I will seek litigation against them. I am very disappointed that a federal entity, such as the CFPB, would allow this type of inaccurate reporting from these companies stand. Furthermore, letting it stand when the complainant is in possession and also producing legitimate and tangible proof, such as a credit report with all of the reporting agency information listed. These credit reporting agencies are also under investigation under the United States Congress in reference to millions of consumers submitting disputes and them not being rectified as well as submitting complaints from the CFPB and nothing changing.