23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Spring Oak Capital SPV LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation account # XXXX Dear Spring Oak Capital Credit, I am writing to request validation of the debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : 1. Please provide documentation proving that I am responsible for the debt in question, including the name of the original creditor and details of the account. Communication that I agreed to the debt and proof that the debt has been verified and I am responsible for it.

2. I request written evidence showing that your agency has the authority to collect this debt on behalf of the original creditor with Chain of title and Original Contract with my wet signature 3. Please provide a full accounting of the alleged debt, including the original amount, any fees or interest added, and any payments or credits applied. My last payment was made to you.

4. I request if any of the above are not valid to delete this account. Request to be disputed and please update all three credit bureau. 
Until the requested information is provided, I respectfully request that you cease all collection activities related to this debt, as required by law. 
Please send your response and documentation to the address listed above no later than 30 days. 
I also request that you do not contact me by phone, but only in writing. 
Thank you for your attention to this matter. I look forward to your prompt reply. Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a written request to the three major reporting agency ( Experian, XXXX, and XXXX ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.
Product: Student loan

I consolidated my student loans to Direct Loans in order to qualify for a loan forgiveness program.  Navient was given my Direct  loans. On  X/XX/2017   , I go to make my first payments and I choose to pay the  XXXX   XXXX , a private loan throug h Navient, a nd  XXXX  of the  XXXX  consolidated loans,  XXXX  amounts :  XXXX  $ and  XXXX   . I  go in to pay the other loan and noticed the loan due date did not advance on the student loan I paid.  Navient had  applied both payments to  XXXX  loan. So, I try working with customer service person to get the payments correctly applied. On  X/XX/17   , I pay the other loan according to what is on their website,  XXXX   . T hey apply the payment to the  XXXX  college loans and had reallocated the first payment incorrectly so I showed a delinquency on the training loan. I fe el Navient is at tempting to prevent borrowers from taking advantage of loan forgiveness programs by manipulating payment histories to reflect non-payment. I feel that the application of payments are contrary to what the borrowers believe are being done, by applying them to whatever loans they feel like instead of what the borrower has, causing borrowers great inconvenience and confusion by having to call to get funds reallocated. Furthermore, on the private loan, the associate and the manager treated me like I was willfully trying to get out of paying my payment when I was trying to figure out why amounts I had paid were not properly allocated. I will admit I was annoyed and rude, but it seems my dealings with Navient are constantly at odds based on how they handle payments and them giving me conflicting information on how to reapply for income driven or income based payment options. I feel Navient uses unfair, deceptive and abusive practices with borrowers.
Product: Credit reporting or other personal consumer reports

I have been attempting to create my account with Experian since XXXX XX/XX/year> in order to unfreeze my credit file. Each time I have attempted to complete my account, I receive an error that they need additional information or there is a server error. I have twice provided the required information of drivers license, current bill, and unfreeze request form using Experian 's upload system. The most recent upload was on XXXX XX/XX/year>. I have called Experian at least twice a week since XXXX XX/XX/year>, but can never get to a human and the automated responses provide my assistance other than to refer me to creating an account online. Because I am unable to unfreeze Experian, I am unable to apply for a credit card and can not apply for an apartment for school starting in XX/XX/year>.
Product: Credit card or prepaid card

They sent me an airline miles offer direct to my home address with my airline miles number included. I submitted an application was approved and was sent a card. I needed to spend XXXX number of dollars to receive the miles. They charged me {$450.00} for the annual fee. American Express said I didn't qualify since I already had that card even though I was just {$250.00} short after the required time which started the day they approved XXXX card not the 2 weeks later or the day my card was valid so I didn't receive the bonus the XXXX time. This time they charged me {$450.00} for an annual fee and said since I already had the card and was not receiving the bonus, as I was not eligible, but they refused to refund any or all of my annual fee.
Product: Credit card or prepaid card

My bank, XXXX XXXX XXXX XXXX, online bill pay service issues a check and mails it two days before due date that I set in bill pay. In this case XX/XX/XXXX was due date to pay credit card Co BBVA Compass. I confirmed with my bank online bill pay that check was cut and mailed for XX/XX/XXXX. 

Problem is the credit card company, BBVA Compass, receives payment check issued by my bank, XXXX XXXX XXXX, on XX/XX/XXXX then has slow processing with check posting on XX/XX/XXXX ( the XXXX as a Friday ) thereby incurring me a {$27.00} late fee and minimum interest charge of {$1.00} I called BBVA and they reversed both fees after much discussion as to why I should no be held responsible. However, when I explained that the late or slow processing is the cause of the problem at BBVA, her response is that I should be paying 2 to 3 days before the due date in order to avoid the late fee.

I do not have this problem with ANY of my other bill pay banks ... ever.

She did not seem to grasp the concept that

BBVA 's processing a payment two days after its arrival is not acceptable nor their responsibility. Hence my complaint. I have attached proof copies of payment dates and check clearing dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data breach has exposed my personal information through negligence, and other companies such as Transunion and XXXX charge or make their credit freeze options difficult to access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes on XXXX, XXXX, and XXXX to delete the inaccurate addresses and names that are listed on my credit report. Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information reported should be accurate and up to date. I've sent over my ID along with the requested information with the address where I live and the company refuses to delete the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX, Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit reporting Act, this creditor has violated my rights. Under 15 USC 1681, section 602, states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I submitted complaint XXXX and Transunion responded that they are working and it will take 60 days. Per the law they have 14 days to supply me with the verification method or the erroneous accounts described in the attached letter that I sent certified on XXXX XXXX need to be removed. Transunion has had more than enough time to send over the verification methods they used to verify said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was paid off in XX/XX/2021. I am in the process of approval for a mortgage and Ally submitted a " 30-day Late '' to the bureaus in XX/XX/2021 that the XX/XX/2021 payment was received late. As a result my scores decreased by more than 50 points and I am in danger of the loan not going through. 

I have contacted Ally MULTIPLE times and each agent has verified that my XX/XX/2021 payment was NOT more than 30 days late. It was verified today that my normal due date was the XXXX of each month and my XX/XX/2021 payment was received and processed on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax recredit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I am writing to request the removal of the unauthorized credit inquiries on my credit report. My credit report shows XXXX credit inquiries from Ally Financial XXXX and XXXX that I did not authorize.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$870.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX  XX/XX/XXXX
Product: Debt collection

dear American Express I am filing this complaint with the cfpb because you guys have not taken my identity theft seriously. on XX/XX/XXXX the Permanent Fund Dividend Division of the state of Alaska lost my name my dob, social security number, my address everything that on my my birth certificate and all my bank info as well. after I submitted my application for my yearly PFD the page reloaded with someone else 's information. i contacted that person to let them know what happened and then contacted the state of Alaska to let them know what was going on with there website but because it was a weekend and a holiday there offices were closed. so i did the next best thing i called all the local news stations.so they can warn people what was going on they come to my house and did a interview with me so other Alaskans would know not to file there pfd until the state fixed there website the media was also able to get hold of the governor and he order the state to shut down the pfd website. the following Monday I contacted the three credit bureaus and put an extended fraud alert on my credit report but that haven't seem to stop the people who have stolen my identity from opening accounts in my name i have sent you copy of my police report and other documents showing i am a victim of identity theft and you guys mailed me a letter on XX/XX/XXXX saying i made payment arrangements therefore I'm accepting responsibility of this account i XXXX XXXX have never made payment arrangements with American Express so am not accepting responsibility for this fraudulent account. 

i do have some questions that I would like answered? 
I would like to know why you never contacted me after running my credit report and seeing there was a fraud alert on there? 
and according to my XXXX credit report the credit limit was XXXX dollars but the person who stole my identity was able to spend XXXX plus dollars how did this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with Synchrony and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information XXXX sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from XXXX. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to Synchrony, they told me to contact XXXX as their decision to close my account was based on a letter sent from XXXX. When I reached out to XXXX, they told me to contact Synchrony. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the BoA account is in good standing, my communication with Synchrony regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, XXXX
Product: Debt collection

The debt Collector company by the name of : I.C System INC has be harassing My Credit and Damaging it out of Spite! They told me that they would purposely Ruin my credit Score. And now they are sure FLAGGING MY CREDIT 3 or 4 Times in less than a Month which I believed is illegal! Company phone number XXXX address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX. My name is XXXX XXXX, phone # XXXX i had to changed my number! Listed creditor : XXXX, XXXX XXXX XXXX Reference ID : XXXX. My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX. The last representative i spoke to i told him i did not have because Im struggling to pay my bills, i also told him that they are harassing me, and i need it to stop. He then told me that the are going to Damage my credit since am so rude telling him about harassment. I need my credit scores to be replaced asap! I.C System Inc FLAGGED MY CREDIT on XX/XX/21, XX/XX/21 & XX/XX/21. XXXX  times that i can show that the action is to damage my credit out of spite. I need help please. They are abusing there authority. Thank you, XXXX.
Product: Checking or savings account

I was charged monthly maintenance fees and overdraft fees within the last XXXX  years. I have not been able to change my account type either
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX to the point where I'm having trouble XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account