23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DATE : XX/XX/XXXX D.O.B. XX/XX/XXXX Name : XXXX XXXX XXXX SS # XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX XXXX Whom It May Concern : This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address : XXXX XXXX XXXX, XXXX, FL XXXX SINCE XX/XX/XXXX Please also update my new phone No. 

Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # XXXX XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$1300.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$950.00} Date : XX/XX/XXXX Creditor : ARS ACCOUNT RESOLUTION ACCT # - XXXX {$910.00} Date XX/XX/XXXX Creditor : XXXX XXXX XXXX ACCT # - XXXX {$790.00} Date : XX/XX/XXXX Creditor : XXXX ACCT # - XXXX {$570.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX ACCT # - XXXX {$300.00} Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. 

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete and correct any and all the item accordingly.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. 

Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

Sincerely, Name : XXXX XXXX XXXX
Product: Credit card

The credit card company started giving me unexpected fees before I called them, the military counselor told me that those fees were illegal I contacted them ( the credit card company ) and told them that the military branch said due to the military lending act that those fees were illegal, so on my milestone card, after I called them, the lady Canceled the fee. They asked me to send them documented proof of XXXX status in the military and I did, I sent my military ID. When I sent the information in, they were able to cancel the fees on the milestone card. However, my indigo card has a {$300.00} limit and unexpectedly and out of the blue, they charged me {$100.00} annual fee which Ive never had before, which took my credit usage Over 30 % which lowered my credit score a lot. That illegal fee has dropped my credit to the point to where I am looking like Im unresponsible financially, so it is definitely causing me harm. I called them at least 10 times and they asked me each time to fax them proof of my military status. Each time I faxed them a copy of my military ID front and back thats clearly states my XXXX  status. Each time they send me a letter back saying they are unable to verify my XXXX status. So, I showed this to the military counselor, and they said thats unacceptable because all you have to do is a soft pull and it would automatically trigger A red flag on my account because of my XXXX XXXX They wouldnt do it and they continue to keep the fees on my credit card, which is growing interest and causing me financial harm because my credit score has dropped, and lenders think Im a financial risk. I made my last phone call which was one week ago today and told them that if we can not resolve the matter finally that I will report them to the CFPB. Attached, I will have documents showing where I have faxed them the proof on several occasions. Please help me resolve this matter, because they are causing me financial harm by dropping my credit score, because the banks in the credit bureau think that I am utilizing too much credit. And on top of that, Im at risk of having a late payment put on my credit because they are wanting me to pay that fee.
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX Balance {$55.00} XXXX XXXX Balance {$450.00} XXXX XXXX Balance {$0.00} - XXXX  XXXX XXXX Balance {$680.00} XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$1200.00} XXXX XXXX  XXXX Balance {$17000.00} XXXX  XXXX XXXX Balance {$140.00} XXXX XXXX XXXX Balance {$220.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$110.00} XXXX  XXXX XXXX Balance {$68.00} XXXX  XXXX XXXX Balance {$180.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$690.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

They are a predatory lender. If you get behind, they pressure you to renew your loan. They call you constantly several times every day. Even if you tell them you will pay on a certain date, they will call at lease 2 times per day to make sure you are going to pay that day. They have already called me or left messages over 30 time in seven days. You can't get any work done at your job for their constant calling. If you don't answer your phone, then they immediately start calling your contacts. They do this to embarrass you at work and to disturb you at work. There is no reason for all these calls. You have such a hard time getting away from them.
Product: Mortgage

1. XX/XX/XXXX, I spoke with Wells Fargo mortgage rep, named XXXX, XXXX, ext, XXXX. She confirmed that my mortgage payment would remain the same, ( {$1200.00} ) from XX/XX/XXXX to XX/XX/XXXX. This was related to the escrow buy-down, I paid on XX/XX/XXXX, for {$410.00}. 
2. XX/XX/XXXX, an escrow analysis was generated for a shortage due, {$300.00}, due before XX/XX/XXXX. I called WF & advised of the payment arrangement given on XX/XX/XXXX. Their response was the agent made a mistake in calculation & will not honor it. 
3. If WF made the mistake, I should not be penalized. I am requesting that the mortgage payment stays at {$1200.00} till XX/XX/XXXX as arranged. 
4. Another major issue is that WF discontinued the escrow " buy-down '' process. This had helped in the past to control the payment, but now is discontinued. 
5. Wells Fargo is not customer friendly at all. I am just a number, & I have prefect credit with all my WF accounts. When a supervisor says they will return my call, they don't & never answer when calling their extension. WF is not interested in helping with my payment, which is very important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/22, I attempted to access my Credit Reports at XXXX. I was able to access my reports from XXXX and from XXXX without any issues. Equifax denied me access to my credit report, so I called Customer Service for assistance. The representative informed me that to see my Credit Report, I would have to set up an account which would require me to agree to their Terms of Service. I do not desire to have an account, nor do I agree with their Terms of Service for different reasons. The main issue that I have with their Terms of Service is that it requires me to agree that they may use and share my information with third-party companies. I do not wish to have my information shared. I want a copy of, or access to my Credit Report without any involuntary terms or conditions being forced on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX XXXX XXXX account number : # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX XXXX XXXX account number # XXXX, COLLECTIONS : XXXX 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 a account without my written instructions.
Product: Credit reporting

this company does not verified any dispute, they seem to generate a general letter wait 30 days and send out everything is good. the other agency validated the same account and the results was deleted i was not a member of XXXX until XX/XX/XXXX, but yet they have me owing them in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX was awarded the credit card debt in our XXXX per the XXXX decree XXXX XXXX XXXX XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the XXXX, he has neglected to pay them, and it has dropped my XXXX XXXX significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX Date Opened : XXXX XXXX, XXXX Account Number N/A Has violated my rights XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number N/A Has violated my rights XXXX Original Creditor XXXX XXXX Date Opened : XX/XX/XXXX Account N/A Has violated my rights XXXX XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX Date Opened : XX/XX/XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that 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 adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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 card

Dear Sir or Madam : I am a victim of identity theft. There are accounts that appear on my credit report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I was also informed that my information was a part of a medical facility Data Breach. 

There are also inaccurate addresses shown on my credit file. I have reported this information as fraudulent to the Federal Trade Commission as well as all bureaus. However, the fraudulent addresses are still are reporting on my account, which is making it more likely that someone can obtain credit fraudulently under my name. 

The correct and current and ONLY address that should be on my credit file is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have lived at this address since XXXX of XXXX. I have attached my lease. Prior to this from the age of XXXX old up to XXXX yrs old, I lived at my parents home at : XXXX XXXX XXXX XXXX XXXX XXXX 

Please delete and block any and all other address reporting on my credit file. 
The following addresses do not belong to me and I am requesting that they be deleted and blocked from reporting to my credit file, as they do not belong to me. I have never lived at these address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate and unknown things on my credit report here 's the list of all the companies, XXXX  XXXX ( bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX CXXXX XXXX XXXX  Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX CO XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting

I AM FILING BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THIS ACCOUNT UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint and request for investigation regarding inaccurate late payment information reported by XXXX XXXX , XXXX on my student loan accounts. This letter serves as my second request for correction after my previous attempt to dispute this error with the credit bureaus and XXXX XXXX , XXXX has not been appropriately addressed. 
The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) My credit report incorrectly indicates a XXXX late payment for XX/XX/XXXX, despite my payments being on time for XX/XX/XXXX and for the months following, specifically XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX XXXX reporting of a XXXX late payment for XX/XX/XXXX is inconsistent with the payment history before and after that period. 
Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute and correct inaccurate information on my credit reports. I believe that XXXX XXXX has failed to properly verify the accuracy of the information in question, and I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Given the nature of this error and its negative impact on my credit profile, I respectfully request that the CFPB require XXXX XXXX and the credit reporting agencies ( Experian, XXXX, and XXXX ) to investigate the matter and permanently delete the incorrect XXXX late payment from my credit file for the accounts listed. 
Enclosed with this letter, you will find : 1. A copy of my credit report, highlighting the disputed entries. 
2. Payment records for the relevant months, confirming my timely payments for the periods in question. 
I appreciate your prompt attention to this matter and look forward to a resolution within the required investigation period. Please provide written confirmation once this issue has been fully resolved.
Product: Credit reporting or other personal consumer reports

This is an addendum to the complaint XXXX. 

Dear CFPB, Thank you for your response and for forwarding XXXX 's reply regarding my complaint. 

Unfortunately, XXXX 's response is inaccurate. While they are correct that our son 's car was totaled on XX/XX/XXXX, their claim regarding GAP insurance is misleading. GAP insurance was never offered to us at the time of purchase, nor did we decline it. By the time we reviewed and signed the documents, the GAP insurance option had already been marked as declined, leaving us with no opportunity to opt in. However, that is not the primary issue at hand. 

The main concern is that we never received a payoff statement via email. Instead, after months of waiting, we finally received a letter from XXXX stating that we still have the XXXX  though the vehicle was totaled, and our insurance company issued a payment for the loss. Since XX/XX/XXXX, we have been waiting for a formal payoff statement or any correspondence from XXXX to finalize the remaining balance due. The only correspondence we have received is that we are late on payments, that they are reporting us to our credit and as of XX/XX/XXXX have reported this as a charge off. 


Despite our repeated attempts to resolve this matter, we received no communication until XX/XX/XXXX, when XXXX finally sent us a small printout of our payment historyrather than the necessary payoff statement or final settlement details and they are claiming we still have the car and will reposess it. 

We request your assistance in ensuring that XXXX provides a proper payoff statement and any remaining documentation needed to close this matter. 

Because we are getting no assistance with this matter we have retained a lawyer at our own expense. 

They are not being truthful with you. I have ALL OF THE DOCUMENTATION, all of the copies of my letters. They are not paying attention to the details of my case. 

Thank you for your time
Product: Credit card

I paid off the balance of my XXXX XXXX card issued by the Bank of America on XXXX/XXXX/2016 ( mailing date ). The amount paid was the total balance and it was paid prior to the due date on the bill. I sent the payment via USPS Priority Mail to ensure it arrived quickly. On XXXX XXXX, 2016 I received another billing statement from Bank of America indicating that I owed {$73.00} for interest charges. On XXXX XXXX, 2016, I mailed a letter via USPS Priority Mail to the Bank of America indicating that I was disputing the {$73.00} amount showing as owed to them. I paid {$78.00} to the Bank of America on XXXX/XXXX/2016 to close out the account. On XXXX/XXXX/2016, I received another billing statement from the Bank of America indicating that I owed them $ XXXX XXXX/XXXX/2016 at XXXX ( Eastern Time ) , I called Bank of America and spoke with XXXX XXXX regarding my dispute of the billing statements. She assured me that Bank of America would issue a credit for {$3.00} and send me a letter acknowledging that the account was now closed. To date, I have not received such a letter and I continue to receive billing statements.
Product: Debt collection

I paid XXXX XXXX  acct # XXXX in settlement XXXX. I never receive any letters from Convergent about this debt. They collected funds for XXXX open XXXX. The last time I knew about this account when XXXX XXXX  were handling this account inXX/XX/XXXX it were deleted from my credit file. They sent the account to XXXX XXXX, XXXX XX/XX/XXXX they decided to delete when XXXX told them to delete. This is the last time I saw this account on my credit file. When got notice from the credit bureaus about XXXX XXXX placing this account on my credit file. I took 5 years for this account to reappear on my credit file. Since I paid this account I want it deleted from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Transunion and XXXX, I disputed on numerous occasions ; latest being XXXX 2022 on collections subject to FCRA violations : 15 U.S code 1681a 2 as well as 15 US code 5 section 1681b and asked that collections be removed immediately. The only response I received was that they ( reporting agency ) were in compliance with FCRA and refused to provide from who or where they received info on my complaints. Transunion has denied me to dispute my concerns any further. I need these items removed as they are negatively impacting my scores. Below are the collections/charge offs I have disputed with the credit agencies : ( Transunion XXXX XXXX XXXX XXXX for {$2300.00} - XXXX {$540.00} - XXXX  {$310.00} - XXXX XXXX XXXX {$640.00} Thank you!
Product: Credit reporting

There are XXXX hard pulls in my credit reports that I did not authorize. XXXX are from before I turned XXXX. Also, on XXXX of my credit reports there is an address that is not/was never mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I apply for a credit card with XXXX XXXX, I am instantly rejected due to an invalid Security Alert. Experian reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. Experian said they had removed the fraudulent Alert after my first application for a Credit Card with XXXX XXXX, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to XXXX XXXX and have my credit restored so that it reflects my correct " perfect '' score of XXXX?
Product: Debt collection

Bay area credit reported a XXXX debt on behalf of XXXX XXXX XXXX  they never sent me any notices written nor by phone. I attempted to request details and validation of debt and they fail to provide details send bill with total but no details.
Product: Debt collection

This is a formal complaint against Capital Accounts located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Capital Accounts has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.