23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay. anymore.
Product: Payday loan, title loan, or personal loan

Scratch sold my loan to PatientFi, but on XX/XX/2022 they took the auto withdrawal from my checking account and as of this date has not provided the payment to PatientFi. I am getting harassing phone calls and letters from PatientFi. All PatientFi says is that it is just something automatic in their company, but I am not coming up on almost being 30 days late. No one is helping me at PatientFi, XXXX, and they just say that if they report it late then they will fix it. This is not acceptable to me. I paid on time, I do not want my credit report affected because these two companies can not figure this out. I have made several calls and requested to speak with a supervisor. I was told that it takes 3-5 business days for a supervisor to return a call. I am frustrated and upset. I worked very hard to get my credit back up and now they putting me in jeopardy. I just keep getting the run around.
Product: Checking or savings account

The reason why Im writing is when I called Discover on XX/XX/XXXX regarding my XXXX XXXX credit card payment of {$280.00} Discover agent told me I had nothing to worry about that the payment went through. The original reason for my call is regarding the {$30.00} XXXX that was reversed that I XXXX myself. I still dont have the {$30.00} XXXX back in my XXXX XXXX account it never came back. When agent told me that the {$280.00} went through I decided to get something to eat at the XXXX XXXX for {$16.00} I was assuming since the {$280.00} went through I was using the {$16.00} out of my {$200.00} line of credit that Discover Debt allows you to use. The {$280.00} did not go through so when this happened I called XXXX credit card and the agent told me there I needed to make a payment and I ask him several times was the {$280.00} going to retry he said no so I made a payment of {$280.00}. The {$280.00} did retry. Then I disputed the {$280.00} I didnt have enough money in my Discover account so it rejected then the {$280.00} retry when I got paid. I disputed and did a stop payment check on the {$280.00} and I still dont have the {$280.00} provisional credit I have two scheduled bills coming out. Im not understanding why wasnt the {$280.00} put back immediately because this is an urgent matter. None of this is my fault it started with the {$30.00} XXXX that I XXXX myself that was reversed for some odd reason and then I brought something to eat for {$16.00} assuming it was coming out of my {$200.00} line of credit because your agent told me the {$280.00} did go through but it didnt. Its a huge mess that keeps continuing because if I dont have the {$280.00} back in my account asap then its going to result in more fees from the two bills that are processing to come out. I already received two fees from XXXX credit card. This is so stressful from the XXXX not going through and getting wrong information from Discover agent and XXXX XXXX agent. I just need the {$280.00} back in my account please. Thank you for your time. Have a wonderful day!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I submitted CFPB complaint # XXXX requesting my account be investigated due to a billing error. I gave notice that I, dispute, all past outstanding amounts and, present, or future debts and ask that the account be placed into cease and desist status. Capital one was also notified of several other violations to my reputation including but not limited to late payments and account balances. 

On XX/XX/XXXX Capital one closed my accounts ending in XXXX and XXXX without specific reason or proof for why my accounts required closure or how I may have violated the terms of their user agreement. This was done simply in discrimination due to me exercising my rights under the Consumer Credit Protection act and opening my complaint on XX/XX/XXXX. 

Capital One has continued its abuse by reporting monthly late payments to the credit reporting agencies XXXX, XXXX and XXXX despite my instructions to cease communication for my privacy and due to the lack of sufficient evidence bearing proof. 

Capital one has also sold the alleged debt to a debt collector XXXX who simultaneously reports the same inaccurate information to the credit reporting agencies XXXX, XXXX and XXXX further harming my reputation and opportunities to credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Security Finance C/O Security Finance XXXX XXXX XXXX, SC XXXX Account number : XXXX Account number : XXXX Original creditor : Security Finance Subject : Cease and Desist Request for Deletion of Collection Account Dear Security Finance, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. Collections Account is listed twice, account balance is higher than the high balance, and the date of last activity is wrong on my XXXX and XXXX reporting companies report. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt. 
XXXX. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : XXXX. Immediately cease reporting the collection account associated with my name. 

XXXX. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request XXXX result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA, XXXX XXXX XXXX XXXX/XXXX/2025 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX File # XXXX Equifax XXXX XXXX XXXX XXXX GA, XXXX Report # XXXX Experian XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Investigation and Removal of Inaccurate Charge-Off Accounts To Whom It May Concern, I am writing to formally dispute the accuracy of certain charge-off accounts that have been reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be complete, accurate, and verifiable. The following accounts do not meet these legal standards and should be removed immediately : XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXAccount # XXXXXX/XX/XXXXAccount # XXXX These accounts contain incorrect and/or unverifiable information, which violates the provisions set forth by the FCRA. Under Section 609 and 611 of the FCRA, I request a detailed investigation into these accounts, including full documentation proving their validity. If these records can not be verified as 100 % accurate, I demand that they be removed from my credit report immediately.

Additionally, I request that you provide me with all records associated with these charge-off accounts, including signed agreements, payment history, and validation of the reporting. If you can not provide such documentation, you are required by law to remove these inaccurate records from my credit file.

I have attached copies of my identification and supporting documentation to assist with this investigation. Please provide me with a written response within 30 days confirming the deletion of these inaccurate accounts or evidence proving their accuracy.

Failure to comply with this request may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of Government-Issued ID Copy of Credit Report Highlighting Disputed Accounts
Product: Credit reporting

This has to do with EQUIFAX, In the past week Iv'e called Equifax at least 3 times now in regards to Credit Fraud ( INQUIRES ) on my credit report. Everytime I call there they keep transferring me to somebody different to talk to in the the Special Handling Department!!!!! to handle my complaint which still has n't been taken care of as of toDAY .... All 3 times EQUIFAX!!!!! said that THEY would do their investigation on my Fraud INQUIRES my investigations all XXXX would be closed out in a couple of days. ACCORDING TO THE ( FCRA ) SECTION 611. WHAT EQUIFAX DID TO ME IS ILLEGAL!!!!!! THE FCRA SECTION 611 STATES " if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, CONDUCT A RESONONABLE INVESTIGATIGATION TO DETERMINE WHETHER THE DISPUTED INFORMATION INFORMATION IS ACCURATE AND RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH PARAGRAPH ( XXXX ), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECIEVES THE NOTICE OF THE DISPUTE FROM THE CONSUMER OR RESELLER ''. In other words, when you make a dispute, they EQUIFAX MUST!!!! investigate it free of charge within 30 days that 's 30 DAYS $ $ $ $ $ or delete the items. If they do n't have proof of their validation, they EQUIFAX have to FIX the problem ... ... ... ... .... 
FRAUD INQUIRES THAT NEED TO BE DELETED 1. XXXX BANK 2. XXXX XXXX XXXX 3. INFORMATIVE RESEARCH BANK OF CALIFORNIA XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX CU 6. XXXX XXXX CC ( XXXX ) 7. XXXX
Product: Debt collection

I keep getting calls asking for someone else. Explained they have the wrong number but would not remove. They kept asking for my personal information and I refused to give them any. Very rude over the phone.
Product: Checking or savings account

As of 2021 XXXX or XXXX I was receiving child tax credits for pandemic funding for Americans in need and I've been not able to log into my account online or from one of the ATMs located at the bank and I have not been able to open my account since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX  and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Product: Credit card

I would like complaint XXXX re-opened. In response to the companys response- The companys response is inaccurate. I reached out and submitted dispute on XX/XX/2022. The complaint was re-raised on XX/XX/2022, after it was closed. Included in my original submission is a screenshot of correspondence on the XXXX portal. Where you will see a dispute was started on XX/XX/2022. The customer service representatives closed that dispute on XX/XX/2022 citing ( XXXX ) credits were provided. These credits were not for the defective item but for being overcharged twice. I had the dispute re-raised 7 days after receiving the decision. As I was always disputing the remaining charge for product defective.
Product: Credit card

I checked my credit report recently and I keep seeing a debt from Bloomingdales credit card on my report at all XXXX bureaus the charges were fraudulent and the balance is not mine fees interest etc seems to have been added for charges I do n't owe. I received a XXXX form from IRS stating that I was required to report this old item as income I did just that because I do n't play around with IRS now every month this nightmare item that was fraudulent to start with is being reported as a new and current debt I claimed it on taxes against my own will and now this this is fraud unfair and I want an investigation immediately
Product: Student loan

I am having a lot of trouble with Sallie Mae. I called them three months ago for forbarence and they said it was not an option for me. I have all my public loans consolidated through the government and all my private loans through Sallie Mae. I am on Income based repayment for my public loans and I can barely make that payment let alone XXXX payments. I have been told that it is impossible for me to consolidate my public and Private loans through the government so I can have XXXX Income based repayment. If I had XXXX income based repayment, it might be possible for me to live, save money, and try to build my career, let alone buying a house. My credit is in Shambles and now Sallie Mae is going after my parents who are on the verge of retirement. I do not know what to do since I can not have these loans discharged in Bankruptcy. I have not been able to pay either public or private student loans in about 4 months. HELP!!!
Product: Mortgage

I received a letter from Gateway, the title of the letter states Escrow Checks. There was over a {$900.00} surplus as of XX/XX/XXXX ; however, Gateway mortgage never sent me the escrow surplus check. It was sneaky how they titled the electronic escrow letter as Eacrow check but did not send to me. Rather, they transferred my account to a new serviced and said I have to speak with the new serviced about the escrow surplus check. Why is that since Gateway Mortgage serviced my loan the entirety of XXXX and even prepared the Escrow Analysis for XXXX.
Product: Credit card

Identity theft someone try to get me pay for what they did and I also dont recognize the charge
Product: Credit card or prepaid card

I disputed a charge on a credit card with 5/3 Bank Mastercard. I unfortunately got sucked into a scam with a company called XXXX  that offered services that supposedly helped businesses get small business loans. It turns out they just opened credit cards in my name and told my I could get cash from them. the fee for getting me what turned out to be four consumer credit cards that I could have applied for on my own for free was almost 7,000.00. That fee was charged to the XXXX XXXX that they had opened in my name. When I realized what was going on I called the credit card company and closed the account and asked to dispute the charge. After not hearing anything back for about a month I called to follow up on the dispute. The fraud department informed me that tis kind of charge can not be disputed, and that it ti a XXXX Policy. I asked to speak with someone else and a supervisor came on the line and told me " sorry, you have no recourse, there is no dispute possible with this kind of charge ''. He also told me there was no one else to talk to. I asked him for the contact info at XXXX, was told they did n't have that. I asked who gave the resonce from XXXX and what Department and was told the email was n't signed. He suggested I could XXXX  XXXX and try and get in touch with them. Also that 5/3 considered the charge valid and would be expecting my payments.
Product: Payday loan, title loan, or personal loan

I received an email ( XX/XX/21 ) from a XXXX XXXX stating that she is doing business as XXXX XXXX XXXX ( Speedy Cash ). The email states that I have committed fraud and am subject to a court hearing. They also threaten to contact my employer. I am to contact the following address via email : XXXX The instructions states than I am to email " us between working hours XXXX to XXXX '' There is no phone number to call. 

I have not used this company for a payday I am currently working with several day payday loan companies. This is not one of them. 

According to the email, I have late payment costs of {$100.00}, interest costs of {$63.00}, an account value of {$580.00} and a total debt of {$780.00}.
Product: Credit reporting

This is not a Duplicate. 

I have tried to escalate this matter to Experian multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXX Certified mail - XX/XX/XXXX - XXXX have tried bringing this to Experian multiple times notifying them that the Collector agent did not validate this account within the XXXX required by the FDCPA and Experian repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for ExperianXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. Experian mailed me a few reports which state the repetitive response that Experian verified this account to be a collection from XXXX XXXX XXXX for a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing and for a different amount while I was living at another location in XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. Experian allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information, account closed or no balance., Companies give me the runa round send me to employees that can not help or has no information
Product: Credit card or prepaid card

hi i have an apple card which is run by Goldman sach company. they charged me {$75.00} interest even if i paid on time. they always say a supervisor will help you but no one comes to the phone and then they say they will call you no one reached out to me they make false promises of supervisors who dont realy exist. if they do, why did they reach out to me? 

then i canceled subscription and i told them but they still charging me for that subscription. 

XX/XX/XXXX they charged me {$74.00} that did not get resolved after making many calls and i paid on time. they charged me for XXXX  XX/XX/XXXX that i already canceled.
Product: Prepaid card

first off let me inform you that throughout this whole process ive been in the hospital having XXXX XXXX XXXX and im unable to get out of bed and have no access to the info required. i gave my debit card to my brother inlaw and asked him to go get me something to eat he came back and told me that the card had insufficiant funds so i called the automated number to check the balance and all it let me inter is the last 4 on my card and it sent me straight to customer service when they asked me to verify the card info they told me i had the wrong phone number the wrong address the wrong pin number and the wrong email address and in order to fix it i would have to go in person with my id to the social security office after a few days i was able to talk my sister into going there in my behalf and she got them to talk to me on the phone and they changed the info back on my card and in the mean time i had ia direct deposit added to my account and i had already called the bank to dispute the original transaction of {$250.00} on my card the very next morning i tried to use the card to pay my copay at the hospital and the card was declined i called the bank and my credentials had been changed agin and {$1600.00} had been removed from my account so i had to dispute all charges made and none were made by me the bank says they sent me a letter requesting more info that i never recieved some of the money was put back into my account i had allready got a new card today i got a letter saying that a claim for {$650.00} was denied and they had closed the dispute i have to have that money and they dont want to give it to me i still have 6 unpaid disputes that have not been paid back to me only 3 disputes were paid out of 9