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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of XXXX, XXXX, {$700.00}, XXXX. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$8000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 












-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$1400.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Product: Debt collection

I received an email from Genesis debt collectors on XX/XX/20 that I owed a debt. I was then called one single time by XXXX XXXX while I was at work on XX/XX/20. On Friday XX/XX/20 she called my place of employment 3 times trying to get ahold of me. I told her that I was unable to talk at that time and I would call her when I got out of work after XXXX XXXX. When I called her after work she proceeded to attempt to force me into placing the $ XXXX debt on my credit card in order to save my credit and I didnt qualify for a payment plan as I have not personally been effected by COVID-19. She then proceeded to bully me into gathering my card number and information and post-dating a payment for the debt.
Product: Vehicle loan or lease

This is the second complaint that I have filed against this company in the last month. They are trying to collect fees from me that I do not owe them and are using illegal tactics to collect them!! This account was reported as closed and paid in full with the credit reporting bureaus in XXXX. I received a statement from them in late XXXX showing account paid in full and even showed a negative amount of - {$200.00} .... I have since then been contacted by this company stating I still owe {$200.00} in late fees but I have statement showing account completely paid in full and account closed with major credit bureaus.. Yesterday XX/XX/XXXX I received notification from all 3 credit bureaus that now the account has a 30 day late mark on my file for this account!!!!! How is that possible if account was closed out and reported as paid in full, this is a violation of the Fair Credit Reporting ACT!!!!!! I need your help holding this company accountable for their actions against consumers and the way they try and collect fees. Very unprofessional
Product: Debt collection

Made several attempts to resolve with Southwest Credit Systems. During the time of services, I was XXXX.
Product: Debt collection

I never received any notification concerning this debt and never even had the opportunity to dispute the validity of this debt. This company is in direct violation of the Fair Credit Reporting Act, I should of been given written notification of this debt and 30 days to respond but was not.
Product: Credit card or prepaid card

Good Afternoon, I received a XXXX XXXX XXXX  as an award from my employer. When I went to use it for the first time today, I became aware that the balance was {$120.00} instead of the {$150.00} as expected. I called XXXX XXXX XXXX who has up to an hour customer service wait time. After getting a hold of an agent, they stated there were charges from CA. I live in CT. They said they would need to open an investigation that would take 45-90 days. I said in the mean time can you give me a new card as this is a gift card and not a debit card or credit and I have never used it? They said no. They were obviously compromised and nothing I did wrong on my end. As I spoke with the agent, i started to wonder if this is a legitimate company? I asked to speak with a manager and they put me on a long hold and then hung up. I tried to call back and could not get anyone. I even looked on XXXX for management and could not find anyone. It funny that I work in fraud and have never had an issue with a debit or credit card but I get a GC as an award and its compromised. Their customer service is horrible and im sure i am not the first complaint and i am looking for help in retreiving a new gift card with the original balance. 

Sincerely, XXXX XXXX XXXX Last 4 of the card:XXXX Email sent to : XXXX XXXX
Product: Payday loan

Trying to figure out if the company is charging me the guidelines of interest for an online pay day loan of ohio
Product: Debt collection

This is a debt that I don't owe and it was reported before and resolved, now a new collection agency is trying again but is not right. 

Please help the company is XXXX  and is using a new billing company : Southwest Credit Systems , LP this was resolved before and by error, it looks they send it wrong to a new agency.. which is hurting my credit again If you see I have excellent credit that I have been working hard.
Product: Student loan

I am writing to express my extreme dissatisfaction and frustration with the lack of assistance and the prolonged delay in processing my income-driven repayment plan. As a borrower who has diligently adhered to the necessary steps and provided all required documentation, the lack of progress in this matter is unacceptable. 

Despite submitting my application for an income-driven repayment plan well within the stipulated time frame and fulfilling all necessary requirements, there has been a glaring absence of any proactive assistance or updates from your end. It has been [ insert duration ] since I submitted my application, and I have yet to receive any confirmation or indication of progress. 

The purpose of income-driven repayment plans is to provide borrowers with a manageable and equitable method of repaying their student loans based on their financial circumstances. However, the current situation has left me feeling overwhelmed and unsupported. The burden of uncertainty regarding my repayment options is exacerbating my financial stress and negatively impacting my ability to plan for the future. 

Furthermore, the lack of communication and assistance from your customer service representatives has only served to compound my frustration. Despite repeated attempts to seek clarification and guidance, I have been met with vague responses and empty assurances, which have done little to alleviate my concerns. 

I urge you to prioritize the processing of my income-driven repayment plan without further delay and provide me with a clear timeline for resolution. Additionally, I expect to be kept informed of any progress or updates regarding my application. 

Furthermore, I request that you implement measures to improve the efficiency and effectiveness of your customer service channels to ensure that borrowers like myself receive the support and assistance we deserve. 

Failure to address this matter promptly and satisfactorily will leave me with no choice but to escalate my complaint to higher authorities and explore alternative options for resolving this issue. 

I trust that you will take immediate action to rectify this situation and provide me with the assistance and support I require.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$10000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$110.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Mortgage

I applied for a refinance of existing mortgage and requested additional funding of XXXX to the loan to pay off home equity. T hey denied the first one due to the fact we are both retired. I called her a few weeks later and said the tax return for 2022 was amended because the contents were inaccurate and didn't show my income along with the sale of my business. She requested that I send over the amended return for them to look at. 
That was 2 months ago. I requested an update or a denial letter and as of today have heard nothing..
Product: Vehicle loan or lease

I just need another copy of the PDF file of all the interest and payments made to the account if possible. The recent one sent was not legible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year mortgage company Planet Home Lending put a mark on my credit, stating that my mortgage payments were delinquent. Ive contacted them PLENTY of times over the last year to correct this. Ive submitted proof of a wire transfer that wasnt marked until months later. The company assumes responsibility but will not, will not correct it with the credit bureau. Weve escalated the issue is all I hear from them. Im in the process of refinancing my home and I can not do so because there is a mark on my credit report that was not my fault. In the interim, not only is planet home lending failing to update my credit with the Credit bureau, but they refused to write a detailed letter. For the last few months I have specifically requested an email and hardcopy letter stating that it was their fault that my account was delinquent for the specific months. Ive been getting the run around. On XXXX of XXXX I submitted a complaint with consumer finance and that was answered rather quickly, what is the issue with responding to a corrected letter to fix my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing properly with Equifax to have XXXX XXXX XXXX removed from my credit report. I have filed numerous disputes and they continue to leave on my credit report, and it should have been removed, should be removed where the 7-year statutory reporting period has long since past from the first time it was reported to them as late. 

I have a document that I will send to you dated : XX/XX/XXXX, that supports XXXX reported the account late on XX/XX/XXXX for  the first time, and this is nearly ten years later and it is still on my report, the vehicle was voluntarily surrendered in XX/XX/XXXX when both my parents became terminally ill and I could no longer afford. 

I need your assistance, I have tried and tried. 

The seven-year statutory period has long since past and it should have been removed, it is causing me severe hardships when applying for my student XXXX Plus loans I continue to get denied due to this and have to explain and appeal each year. This is something that should have been taken care of years ago. 



Very truly yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i HAVE REQUESTED EQUIFAX BLOCK THESE ACCOUNTS AS A RESULT OF HUMAN TRAFFICKING A MONTH AGO STILL NO RESPONSE I PREVIOUSLY HAVE BEEN A VICTIM OF IDENTITY THEFT AS WELL APART OF THE EQUIFAX BREACH THEY ALSO FAIL TO REMOVE UNAUTHORIZED INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru Citi Bank issued cards stating that they were lowering Credit Limit to {$7200.00} from  XXXX Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru XXXX XXXX XXXX XXXX I call XXXX & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease. Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

today I received a call at work from Cardinal - XXXX XXXX at XXXX and my cell phone using the number XXXX x XXXX. She is threatening to prosecute and have me picked up. they want {$2700.00} and then changed the amount to {$500.00}. They are calling me at work. They are calling my family. They called my dad last night in Illinois. we are all on the do not call list. I filed a report with the FTC ref # XXXX. This is a Scam. I want it stopped and I want them to quit calling family. They are leaving automated messages and leaving messages for me on family phone numbers. they are crossing the line at calling me at work. Please HELP!!!!! 

I have no idea what they are doing other than trying to collect money, which they are not going to get. I have never heard of this company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. someone used my personal information to open accounts in my name without my permission. According to US Section 605B consumer reporting agency shall block reporting of any information of a consumer file that the consumer identifies as identity theft. The following accounts are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$180.00} I have reached out to these debt collectors and requested information and provided the with identification and request that the following fraudulently obtained accounts be deleted from my credit file.
Product: Mortgage

I was not informed of an increase in my monthly payments on my mortgage. I was notified by mail on XX/XX/2023 of a shortage and late payment. We have paid through my credit union bill pay with no negative history. Our monthly payment was sent to a different file due it not being a complete payment. I contacted them on XX/XX/XXXX ( Monday since they are closed on weekends ), and they advised that as long as the payment is sent in and " Date time stamped '' by the end of the month we would not be in default. They advised it would take several days to process but as long as that it is sent by the end of the month there would be no issues. I paid the balance through bill pay with my Credit Union on XX/XX/XXXX. They received it and sent it ( according to their records ) on XXXX XXXX. It was not processed until XX/XX/2023. 
I have contacted Gateway Morgage multiple times and they have refused to acknowledge their error. Even when they listened to the recording where we were specifically given the stated information, they still refused to fix the issue. My last conversation with a supervisor she acknowledged that we were given improper information by their representative, but she still refused to provide any assistance. My wife 's and my credit rating both dropped significantly due to the incorrect information that their representative gave us. Furthermore, they have absolutely refused to assist us in any way. Our credit rating has been excellent with no issues in the past.
Product: Credit reporting or other personal consumer reports

They would put my account in the negative state and cause my account to be overdrawn charges where more than what was stated when signed up
Product: Debt collection

XXXX XXXX invoiced me without submitting to my insurance company. I submitted the claim and my insurance covered 100 % ( the full amount was discounted according to my insurance company ). XXXX XXXX has sent the full amount to collections. I have repeatedly sent the explanation of benefits to the collections agency and XXXX XXXX and they continue to harass me for payment.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA XXXX Closed. {$22000.00} written off. Is reporting the vehicle to my credit report although they were sent notice that I do not recall having the vehicle. I ask for validation of the debt with proof the debt belongs to me with a contract bearing my signature. They refused to send any validation or proof. They were also provided an ftc report in which they refused to abide by. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of this account is violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : They were sent a debt validation letter in which they have yet to provide proof this debt belongs to me XXXX XXXX. 

Furthermore, the account is a charge off, but it is being reported inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts to reach out to XXXX regarding the inaccurate information it continues to report to my credit file. XXXX special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. The following accounts need to be deleted due to ID THEFT. 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX So XXXX doesn't make the excuse that I didn't do this dispute myself Im including a copy of my drivers license and Social Secuirty card along with a police report and fraud affidavit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.