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

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX County XXXX of XXXX County informing me of a Data Security Incident in which my name, address, social security number and date of birth, were potentially used by an unauthorized actor. On XX/XX/XXXX, I checked my Experian credit report and noticed some inquiries that I do not recognize. I sent a dispute with a copy of the letter I received from XXXX XXXX requesting an investigation into these inquiries and immediate removal of said inquiries. I have enclosed a copy for your review. On XX/XX/XXXX, I received an email stating the results of their investigation report # XXXX were ready. 
15 U.S.C 1681 section 602 A. States I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I also filed a complaint with the XXXX Police Department in regards to this matter.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I began trying to inquire about an alleged debt from XXXXXXXX XXXX that is being fraudulently, inaccurately, and illegally reported on my credit report with inaccurate information submitted to the different credit bureaus which is continuously damaging my credit. I requested validation of the alleged debt and never receive any validation whatsoever, and only continued getting updates of inaccurate and false information being reported to my credit report on the bureaus. I have recently obtained a new credit report with still false and inaccurate errors being reported on my credit reports and have decided to submit this complaint since my investigation requests are going unanswered with the company and bureaus. All disputes continue to only cause harm to my credit and this must be deleted to halt harming my credit.
Product: Credit reporting or other personal consumer reports

I am REWRITING to EXPERIAN to dispute inaccurate information on my credit report. 
My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, AL XXXX. My date of birth is XX/XX/year>. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, TransUnion has not responded or addressed the following discrepancies. I kindly request your assistance in resolving this matter. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$13000.00} ) TransUnion has erroneously reported a late payment on the XXXX XXXX account. I want to emphasize that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$12000.00} ) TransUnion incorrectly indicates a late payment on the XXXX XXXX account. I would like to clarify that this account has never been late. Hence, I kindly request the removal of the late payment entry from my credit report. 

XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ) TransUnion includes a late payment record for the XXXX XXXX account. It is essential to note that this account has never been late. Therefore, I request the immediate removal of the late payment notation from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} XXXX TransUnion has provided inaccurate information regarding the XXXX account. I kindly request the correction of this erroneous data on my credit report.
Product: Debt collection

I am being sued in small claim s by Midland Financial/ Midland Credit Management .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX .     Without any prior contact I was sent a Summons to appear in Small Claims Court in  XXXX , GA. I am to appear in court on  XXXX   XXXX .     Because the claim did not have any contact information for the persons suing me, I had to look it up online. I found the address from where they looked at my credit history. I sent a letter requesting all informati on Midland had on my debt to be sent to me. They have failed to send me any such information.
Product: Debt collection

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report as provided by your agency. I have reviewed my credit report and found inaccuracies that need to be corrected under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

The item ( s ) I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( a ), you are required to investigate my dispute and correct any inaccuracies within 30 days of receiving this letter. 

Please reinvestigate and correct the disputed information at the earliest, and provide me with a written confirmation of the outcome. Additionally, please send an updated copy of my credit report once the inaccuracies have been corrected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am requesting a verification of debt from this debt collector that continues to harass my family and I by making false allegations of erroneous amounts being owed. 

VIA CERTIFIED PRIORITY MAIL TRACKING NUMBER XXXX ROSSIN & BURR, PLLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX RE : Cease & Desist from Collections Dear ROSSIN & BURR, PLLC XXXX XXXX  : On XX/XX/2022, XXXX of your employees or agents contacted me on behalf of your company and claimed that I owe a debt to ROSSIN & BURR, PLLC LAW OFFICES, AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under ACCOUNT & XXXX ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Florida [ XXXX ]. 

At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this inaccurate balance. This is the first allegation of any debt being owed via your correspondence on XX/XX/2022. I have never received a bill from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding any debt being owed whether expressed or implied. 

Your continuous harassment with letters & such conduct has caused my family and I to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort, defamation of character within our community and mental anguish. Not to mention our household has been severely impacted by hurricane Nicole and Hurricane Ian and are currently under a State Of Emergency in the State of Florida. 

Please take note that any future unsolicited forms of contact will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. 

I HEREBY DEMAND THAT YOU CEASE AND DESIST all future contact with my family and I and that you update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collection Practices Act. 



Very truly yours,, XXXX XXXX XXXX, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) Enclosure : VERIFICATION OF DEBT REQUEST
Product: Credit card or prepaid card

On XX/XX/2021 I filed a dispute against XXXX XXXX. I bought a wig from them in the amount of {$210.00} that I was not so satisfied with and decided to file a dispute without sending the wig back. Well bad bad bad idea for me to consider. Meanwhile, I decided to do the right thing and send the wig back from where it came from which is XXXX XXXX. All the while the dispute was still going on that I made back in XXXX. I sent the merchandise back on XX/XX/XXXX they received it on XX/XX/XXXX and even confirmed with me that have it and sent information to the bank on explaining to them to release my funds. Tracking number for that item is XXXX it was sent through XXXX. My dispute came back as denied as no error being made and there led to them to make the decision of no refund being made back to me. I have images and emails that follows my statements being said here today.
Product: Mortgage

I refinanced with another lender. Loan was paid off. I had {$6200.00} in escrow. Over 30 days ago. I tried calling old lender for my escrow refund. I am not able to speak to someone. I speak to automated teller with not option to speak to a live person. Did not receive my escrow refund. Bank was deceptive from the start. I'm afraid I won't get my escrow due me. I did not want escrow, bank agreed, they stated I would not have to pay escrow. I got the amount to pay for mortgage. But, at closing they instituted an escrow. Lied. Told me I could refinance after 6 months, and would not have to pay closing if I stayed with them. My lawyer said that is a lie, everyone pays closing for refinance. After 6 months I asked if I can refinance, the bank said No. I decided to apply to another bank, got approved. New Bank paid off mortgage. Now I can't speak to anyone from the old bank. They blacklisted me. The automated teller hangs up on me. I had 3 options 1. Request loan payoff letter, 3. Request lien statement, 3. Request tax statement. Those are my only options. It tells me to go online. I did that. I want to get my escrow Check. There is no information available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is violating the fair credit reporting act by listing a fraudulent account which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX, stress, and financial hardship.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Bankruptcy XXXX XXXX Reference XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

Fraud transactions not authorized. Bank doesnt want to do anything.
Product: Student loan

I am currently at 120 payments for PSLF. The only hang up is that MOHELA is not counting the last 15. ( their counter says 105 with 15 'pending ', which have been for months now ... even though it's the same employer ... a public school district ) In addition, I requested a forbearance over three weeks ago on XX/XX/XXXX from MOHELA so I didn't need to make my first payment on XX/XX/XXXX. ( I shouldn't have to, because I have reached 120 qualifying payments ). The agent let me know that it would take 2 business days. I have since called back at least 10 separate times, many times with the phone just hanging up randomly, no call backs etc and have been told it would be 5 business days, then 10, then 30 (! ). There is no consistency or rhyme or reason to the messages from agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrect phone number on file. REMOVE XXXX XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted several dispute complaints against all three credit bureaus in regards to my mortgage account with XXXX, they are reporting multiple delinquent payments when this is inaccurate. I have requested proof of how they are reporting this information with none provided. I demand they fix the late payments associated with this account immediately.
Product: Credit reporting or other personal consumer reports

American Express fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). American Express is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Student loan

After beginning to pay off my loan with XXXX/Navient, I had paid additional money to pay down the principle of the loan faster. This money was not correctly allocated and only pushed forward my payment due dates. By the time I had discovered this, I had accrued far more interest than was necessary. Additionally, when contacting XXXX/Navient to fix the way that this allocation was being made, it was made extremely difficult to have the money allocated in a way that would make the amount of interest I was paying lower. Navient consistently ignored my requests despite several calls to their service center asking for my extra money to be allocated to my highest interest loans and for the minimum to be paid on each of my others. When calling and complaining about this issue, I was told that I must have given incorrect instructions or that I had not provided the correct information for the payment to be processed correctly despite using the exact methods that I had been told to use in my previous conversations with customer service representatives. I believe that these were intentional efforts to force me to pay more interest on my loans and that XXXX/Navient are defrauding XXXX Americans who are simply trying to make good on paying for their education.
Product: Vehicle loan or lease

I bought a XXXX XXXXXXXX XXXX from Drive Time the first month I had it it needed over XXXX in repairs half of which was not covered in the warranty. I've maintained maintenance and regular oilchanges. But this vehicle was in bad shape when I bought it they claimed their mechanics did a thorough inspection but my mechanic said all the damage was old as it was very rusty. I have had nothing but constant problems with this vehicle spending thousands on repairs. Also they charged me a crazy amount of money for a car who's XXXX XXXX XXXX at the time of the sale was approximately XXXX. By the time my car is paid off it will be well over XXXX. They use predatory lending practices on people who desperately need transportation. I've been in XXXX with this vehicle. I'm poor and XXXX on a fixed income.
Product: Mortgage

Dear Sir, I am a regular mortgage loan client and have been using your website to make my monthly mortgage payments and I have always been on time. But I am very upset and disappointed in your service and handling this month 's payment. 

1 ) I scheduled online payment on XX/XX/21 to draft my bank for XX/XX/21 for {$1900.00} with confirmation XXXX XXXX ) I scheduled an additional principal payment on XX/XX/21 to draft my bank on XX/XX/21 for {$230.00} with confirmation XXXX I noted from my bank that only the 2nd payment of {$230.00} was taken. I called BBT this morning and your representative told me the {$1900.00} was not drafted as you can only draft one payment per day. That is ridiculous! You drafted my extra principal payment but not the regular monthly payment!! I was told my regular payment was cancelled and I have to make another payment. How frustrating is that? Your representative said he would take my complaint. 

3 ) After hanging up, I went into your online payment again to make a payment of {$1900.00} but now there is a late fee added. So I have to pay an extra {$98.00} late fee. My payment confirmation # XXXX in the amount of {$2000.00} was made. 

All this is due to a glitch in your website payment system. Your customer should not have to go through this trouble. I request that you reimburse me {$98.00} for the late fee as it was not my responsibility. I set up payment in XXXX for a XX/XX/XXXX bank draft. It was your ineffective banking system that caused the problem. 

XXXX XXXX
Product: Student loan

Account Number XXXX, amount of student loans totaling XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Navient misallocated my payments, steered me ; a struggling borrower toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans. Also credit scored dropped 46 points with XXXX  due to reporting from Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian, and XXXX are reporting accounts on my report that i have no knowledge of. I have disputed these accounts numerous times and yet they refuse to remove the unverifiable accounts from my report. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Product: Debt collection

On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me.
Product: Debt collection

I am formally demanding that LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my consumer reports. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), a consumer has the right to request a debt collector cease further communication. Moreover, a consumer report is considered a " medium of communication '' as established in the case XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. Therefore, the continued reporting of this debt on my consumer report violates my rights under the FDCPA. I expect immediate action to rectify this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.