23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I requested through XXXX XXXX to lower my payment. I was told that the loan term would be extended out and would remain around $ XXXX monthly. In XXXX XXXX I was notified by the new Servicer, Navient, that my payment was increasing from {$69.00} to {$320.00} a month and that it was not going from interest only to principal and interest. I have been disputing this increase since I was first notified in XX/XX/XXXX. I also asked my cosigner be released as I have been paying timely for about 8 years and only 24 monthly payments are necessary to take off a cosigner. I was told because I was on interest only, I could not take my cosigner off the loan because the payments needed to be full principal and interest which again was never disclosed to me. Navient has sent me letters they are researching the matter but have not sent me anything in writing as to their decision. Finally last month I was advised that they listened to a call from XX/XX/XXXX and it was not clear I was explained the terms properly. On Thursday after being on the phone for an hour an a half they realized I should never have been on interest only but said they can not go back in time and only forward. They will not disclose their findings in writing. They offered to extend the terms of my loan only lowering my payment to {$200.00} a month. If i wanted a rate reduction my cosigner would need to call. He called and I was told they can not reduce me at this time because my expenses are too high. I am once again on a forbearance but interest is continuing to accrue. I was originally told in XX/XX/XXXX my payment would be {$69.00} a month because the terms were being extended out and once again the same thing in XX/XX/XXXX. I can not afford {$320.00} a month or {$200.00} a month and these errors by XXXX XXXX and Navient need to be resolved and my debt reduced.
Product: Credit card or prepaid card

Tried to use the card at XXXX XXXX 's but was not accepted. 
I called Vanilla Gift Card and was asked to submit a copy of the Gift card & ID and was given a reference number XXXX. 
I got a reply asking me to provide the receipt of purchase. 
( How can I provide the receipt when I received the card as a gift ) I also tried their website XXXX time : vanilagift.com But every time I tried, an error occurs.
Product: Credit reporting or other personal consumer reports

Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. 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  Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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

on XX/XX/XXXX I contacted XXXX XXXX to pay a old debt was on my report XX/XX/XXXX as a charge off the company offered a settlement to pay account in full of XXXX and told me they would update my account with XXXX XXXX and contact them, well they did not I had to contact them twice to get a letter stating account settled in full .now XXXX XXXX has reported a charge off on my credit report a month past due on my credit written account off yet again on remainder balance of of XXXX which I had told them I would pay full amount on the phone at collection agency .I should not be getting hit with something when I have a letter saying account balance XXXX account setteled in full they have ruined my score it has brought my score down by 30 something points this month I had just moved up from the fair mark I have worked very hard to clean up my past mistaske this is taking to long to fix when it is clearly in black and white this is very unfair and unjust
Product: Debt collection

Phone number XXXX has called me numerous times with threats of suing for a 10  year old " zombie debt '' with Citibank. Citibank discharged the debt long ago and it has moved from one collection agency to another. The statute of limitations for state of Virginia and where the debt was originated has long run out. I have received nothing by USPS or otherwise i.e.. no documentation but only threatening phone calls. This phone number has other known complaints against it from other individuals claiming a false attempt to collect a debt that is very old or was never a debt to begin with.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, a woman and a consumer who is a victim of identity theft. Someone has stolen and compromised my identifying information causing my credit standing to be damaged. My credit reports with XXXX XXXX, Experian, and XXXX have all been compromised due to the theft, and there are accounts being reported that include negative information as a result of the ID Theft. The accounts are : XXXX XXXX amount : {$10000.00}, XXXX XXXX amount : {$18000.00}, XXXX XXXX amount : {$17000.00}, and XXXXFraudulent amount : {$1300.00}. I have filed an identity theft report and seeking remedy for the compromised accounts to be permanently deleted from my credit reports from all three credit reporting agencies. I need these accounts to be blocked, deleted, and removed from my credit report within 4 business days as required under FCRA Section 605B. I do not known anything about the crime or the suspect. I just want my credit standing restored. Please see my attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and its causing me unnecessary stress. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. XXXX was not able to verify these accounts showing any of them belonging to me and they have deleted these accounts. I have attached a copy of the report showing where XXXX deleted such accounts. And according to the FDCRA unverfied inaccurate reporting is a Violation. So how is it that you are saying you verfied these accounts I do not believe anything has been done at this point. I need this problem fixed immediately and I should not have to wait another 50 days just to receive a response saying I'm not who I say I am because its clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly isnt that what the law states.
Product: Payday loan, title loan, personal loan, or advance loan

ACIMA opened and charged off my card in the same year of 2019 that's fine but it has been on my credit report for five years. Negatively impacting my credit score and chances at my unlimited credit. Charged off accounts can not be on my report for several reasons.

-it is inaccurate reporting once charged off report positively or remove from credit. there is no reason for them to keep reporting negatively on my corporation. that illegal -charged off is a zero certificate of indebtness which means it is reporting as income, and income can not be on my report. correct me if I'm wrong, i am not an attorney. it needs to be removed immediately. The company was already paid, they are greedy and want to be tendered again, when they received their write off already. I want the 1099 B they filed on me too. They are so greedy and im sick of it.

this company can not collect on a charge off because its a benefit of the tax deduction of bad debt. I have suffered injuries as XXXX has been reporting falsely on my account to all 3 reporting agencies. They damaged and ruined my credit by reporting " non payment '' knowing they received a write off. " internal credit " they never reported my account to XXXX Acima closed my acccount, charged it off, got a write off, then i paid IN FULL.

Im tired of the scams AND FRAUD!!! 

I want my MONEY BACK!!!
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$54000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$49000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$49000.00} XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$59000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$69000.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$17000.00} XXXX CARD - XXXX - XX/XX/XXXX - {$00.00} The unauthorized inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

Complaint summary : On XXXX XXXX, I pre-paid in FULL, the amount of {$530.00} for PET DAYCARE services for my pet dog. 
Note : Services NEVER rendered. 
Start date : XXXX XXXX End date or good through date:1 year. 

Issue : On XX/XX/21, XXXX XXXX ( XXXX XXXX, NV ) company notified me via email, that theyre filing bankruptcy and going out of business and will NOT refund the monies paid for services already paid for but not yet rendered. 

Applicable regulations : UDAAP Unfair and Deceptive Acts and practices for bait and switch in charging and receiving funds or payment without services rendered or merchandise received, which is interrelated with Reg Z for billable dispute.

Reg Z : Conduct a reasonable investigation within 30 days. Note : How do you dispute an amount paid to a company that is CLOSED and filing for Bankruptcy out of the blue? 

Desired resolution : Full refund back to my credit card totaling {$530.00}. 
pursuant to the Regs above. 

Next steps : In filing this Federal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX ( XXXX ), I will send this copy to the Nevada Office of the Attorney General and Local channel XXXX Action news to shed light and awareness to other innocent consumers/victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/XXXX Information on Former or Current Employers missing or current Employers not showing. I have uploaded a current XXXX from 2 Employers as proof. 1 not showing and others missing in the past correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Current since XXXX XXXX XXXX  XXXX Current XXXX XXXX XXXX Current XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX XXXX Past XXXX  XXXX XXXX Past XXXX XXXX XXXX Past XXXX XXXX XXXX XXXX Past Position : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting Under FCRA Laws Dear XXXX, XXXX, Equifax, XXXX I am writing to formally dispute the inaccurate reporting of late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I have identified late payment entries on my credit report that I believe to be erroneous and request an immediate investigation into their validity. 
The specific account ( XXXX ) in question : Creditor Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the following federal laws, I request that these late payments be removed if they can not be properly substantiated : 1. 15 U.S. Code 1666b - This law requires creditors to promptly post payments upon receipt to avoid misrepresentation of late payments. If my payment was processed incorrectly, this may have led to an erroneous late mark on my credit report.

2. 15 U.S. Code 1681a ( 2 ) ( 1 ) - This section defines credit information as sensitive consumer data. Inaccurate reporting of my payment history misrepresents my financial reliability and constitutes an unfair practice under the FCRA.

3. 15 U.S. Code 6802 - This law governs the disclosure and privacy of financial information. If my payment history was shared inaccurately, it is a violation of my consumer rights.

4. 15 U.S. Code 1637b - This section pertains to creditor billing practices and ensures that any adjustments or changes to an account are handled fairly. If my payment history was misreported due to incorrect creditor adjustments, this law supports my right to dispute such errors. The information in section 1637b was mailed to consumer not later than 21 days.

I request that you conduct an investigation into these late payment reports and provide me with a written response confirming their accuracy. If the reporting creditor can not verify the legitimacy of these entries, I expect them to be removed immediately, as required by the FCRA.

Please update my credit report accordingly and send me a revised copy reflecting the corrections. If the investigation does not resolve my dispute, I request a detailed explanation of the findings and the method used to verify the accuracy of the information.

I appreciate your prompt attention to this matter. Per the FCRA, please complete your investigation within 30 days. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account name XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or concern.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX  Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I tried to fixed this so many time but still bureaus nit response. Please delete the following accounts and inquires now. Here 's the lists XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry XXXX XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX & XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

RE : Dispute of Inaccurate Information Account # XXXX I am writing to dispute the reporting of a charge-off on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is KIA.

According to the IRS, a charge-off is considered gross or ordinary income because it represents canceled debt. Under U.S. tax laws, canceled debt is classified as income, and as such, income can not be legally reported on a consumer credit report. Reporting such an account as a charge-off on my credit report is a misrepresentation of the nature of the debt and its treatment under federal law.

A charge-off, as income, should not be considered a credit obligation under the FCRA and thus should not be reflected on my consumer credit report. Reporting it in this manner is misleading and could result in inaccurate information being used to assess my creditworthiness. 
In accordance with Section 611 of the FCRA ( 15 U.S.C. 1681i ), I request that this matter be investigated and that the inaccurate information be removed or corrected immediately. Please provide written confirmation that the charge-off has been removed from my credit report or that a correction has been made.

I have enclosed a copy of my credit report with the incorrect charge-off highlighted for your reference. I look forward to receiving your prompt response to this matter within the 30-day time frame as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my right.

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Im showing unauthorized inquires on my transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is regarding the final invoice for my XXXX XXXX XXXX XXXX leased from XX/XX/XXXX to XX/XX/XXXX. Leased out by Volkswagen ( VW ) financial. 

I have a copy of a work order from the XXXX XXXX ( Nevada ) service department that shows that I brought the vehicle in for repairs XX/XX/XXXX and the car was not repairable till the end of my lease in XX/XX/XXXX. I have basically had no use of the car despite having made payments on it for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had no idea that I had to do a formal turn in of a vehicle that was already at the dealership in a non-functional state. I assumed that they would have contacted XXXX XXXX to ground the vehicle at the expiration of the lease on XX/XX/XXXX. As soon as I learned that I needed to contact VW financial myself rather than the dealership, I did so on XX/XX/XXXX. 

I contacted VW customer service on the phone, and they recommended that I email the customer service for the financial department a document showing that the vehicle was in fact at the dealership through the end of the lease and not in use. I sent them that document and an email explaining the circumstances to them about 10 days ago and resent it 2 more times in the past week without any response. 

My request to VW is update the amount I owe after removal of the excess past maturity fees ( approximately {$900.00} ) and the late fees ( approximately {$50.00} ) since I was not even using the car past the lease date. 

Thank you. 
Sincerely XXXX XXXX and XXXX XXXX