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

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Product: Debt collection

i received a call from a lady named XXXX with the phone number XXXX XXXX XXXX XXXX and shed said they were issuing a subpoena for court to be sued. She then directed me to call XXXX XXXX XXXX to see the reason why i was being sued. XXXX then asked for the number XXXX gave me which was XXXX XXXX XXXX so i gave that to her and she came back to me with the reason i was being sued was for a debt with HSBC which was a credit card debt that was back in XXXX they have called me XXXX times threatening on this matter. telling me that the debt will XXXX if they have to take me to court and trying to force me to pay the {$1400.00} something that i owe. my dad private attroney said to file a complaint
Product: Student loan

On  XXXX   XXXX ,  XXXX , I was approved for a {$680.00} monthly IBR payment based on my tax information and ability to pay  (  see attached letter ). My status has not changed since that time.     I have paid {$680.00} each month using the  Direct Debit  feature ( see attached document ). Occasionally, I will pay a little bit more in monthly finances allow.     My most recent Monthly Statement indicates I continue to owe {$680.00} per month under the terms of my IBR  Plan   (  see attached letter ).     FedLoan Servicing unilaterally and without warning/notice increased my monthly  Direct Debit  amount to {$1300.00}.     If there was supposed to be a change, FedLoan Servicing did not send me any emails or letters. The last account-related email I received was tax documentation  XXXX   XXXX   XXXX  see attached ).     I wrote and demanded an explanation on  XXXX   XXXX ,  XXXX  ( see attached document ). FedLoan Servicing failed to respond. I sent a followup email on  XXXX   XXXX ,  XXXX . The reason I wrote was because I wanted any and all explanations in writing in case this happens in the future or in the event a service representative reneges on promises or assurances  (  unfortunately, this is common with student loan companies ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deleted 2 unverifiable and inaccurate accounts from my credit report and I sent Experian and XXXX proof that XXXX could not verify the account so XXXX deleted the accounts. I sent a copy of the deletion for the 2 accounts but Experian and XXXX ignored/neglected my letter and still claims to verify the accounts without the creditors actually verifying them.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2024, I took out a loan of {$3000.00} at 24 % to help a friend buy a car. In XXXX of 2024, Balance Credit pulled out a payment of over {$500.00} from my XXXX XX/XX/XXXX Account. I closed the account and reported the suspicious financial behavior to XXXX. The bank agreed and blocked Balance Credit 's advances. I called Balance Credit to complain about this type of extortion, given they were threatening and began charging me daily interest on the increased balance at a rate of 224 %. There is no financial ethical or justifiable explanation for this business behavior. I have reported this firm to theXX/XX/XXXX. I also noticed on several websites that I am not alone in the " loan shark '' behavior only notice in the fine print. I am happy to get the loan back at a reasonable interest rate. I will not pay for this. I am receiving harassing emails and calls. They are not professional, and they do not seek resolution. They are predatory. They are affecting my very good credit. This should be illegal. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even affecting my XXXX XXXX XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Product: Mortgage

Wells Fargo said I was approved for a refinance and everything was great until they took the inspection fee of XXXX XXXX House appraisal great, my credit score was great, and been on my job over 5 plus years. Con me out my money and never answered my calls to finish the process.
Product: Checking or savings account

Donut is an application that offered a 5 % return on savings accounts through what they called decentralized and collateralized lending. They materially misrepresented themselves as diversified and safe when in actuality, 95 % of their assets were loaned through XXXX, which just declared bankruptcy. As a result, do not users have been locked out of their funds since XXXX And are being told that it will probably XXXX more months before they have access again. Their XXXX and websites still advertise them as providing a great return, and having easy access to your money, yet theyre holding everyones deposits hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling conducted a pre-employment check, and pulled information that is inaccurate and outdated. I was associated with a state that I have never lived, visited, nor want to. This was a County Court Search ( Validator ) using my previous last name from over 25 years ago. 

There is also a last name used that was NEVER my legal last name nor one I have ever used. So I can't see how the information was validated. 

The Company also did a XXXX County Court Search using names that weren't mine and did searches in places I have no prior history living in. Some adverse information within this XXXX yr Search collected information that was XXXX old and is being used to disqualify me from employment.
Product: Debt collection

I don't recall having a contractual relationship with this collection company DIVERSIFIED ADJ SVC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Mortgage

While filling out the application I was asked my race and sex. According to the Fair Lending Act, a lender can not ask questions like that. It could make there decision very discriminatory. This was done by Rocket Mortgage.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I started school back in the late 90 's, it took me over 13 years to finally complete my Bachelor Degree as I was working two jobs and attending school part time off and on. I have been a single parent since 2007, I have worked 2 to 3 jobs at a time to make ends meet so I had to keep deferring but I finally have a job where I can afford about {$200.00} a month to start paying back my student loans.

( I used the maximum amount for my Bachelor which is XXXX and I took only two semesters toward my Masters ). 
Now that I am able to pay my loans back, my total amount due is {$170000.00}!! I emailed Federal Aid and told them there must be a HUGE mistake because I only borrowed about XXXX and they wrote back and told me the interest has been accruing daily for {$25.00} per day. So, I have {$100000.00} in interest which makes my payments about {$900.00} a month! I also saw on my portal that if I pay off my loans by XXXX, then I will have paid over {$300000.00} for my Bachelor Degree! I am literally sick over this and not sure where to turn because I don't want to have my wages garnished and a lien on my home I have worked so hard for. I worked for XXXX XXXX XXXX for 16 years and I didn't even know that the interest would amount to this much! Please help me. : (
Product: Debt collection

I C System is collecting on a XXXX account in the amount of {$1700.00}. I noticed this on my credit report and I hadn't receive a notice. I called the collection agency on XXXX spoke with the first rep XXXX employee # XXXX XXXX was requesting a validation of the debt since it was in collection. He stated that he couldn't provide validation of debt he could only provide a verbal authorization, the second rep I spoke with XXXX employee # XXXX and she pretty much said the same thing. I then sent 3 letters certified. The first on XX/XX/2022 asking for validation of debt and another on XX/XX/2022. The last one was on XX/XX/2022. Attached is the information from the debt collector which is uploaded. The collection agency did not follow the XXXX notice of debt validation on the letter sent from them on XX/XX/2022. Please review. 

clear for me to understand ; I was also told to print the information off on their website which I provided a copy of. The name they have is XXXX XXXX it supposed to be XXXX XXXX XXXX That was another issue that isn't followed on the cfpb guidelines and there was not an itemization of a letter sent to me from the company per the model that wasn't followed
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Report Number : XXXX XXXX XXXX XXXX : Account Number XXXX**** This in response to a dispute I sent experian that opened an account dispute XX/XX/XXXX. This results of this dispute stated the account was updated, but nothing in the account information updated. This account continues to report inaccurately and illegally. Experian shows date last reported as XX/XX/XXXX. How can this be when I disputed this account XX/XX/XXXX. This means no re-investigation was done, you are also refusing to remove this fradulent account. This has not been legally verified and because Experian continues to report it this is a FCRA violation. 


Inaccuracy # 1 Date of Last Payment Experian shows a date of last payment as XX/XX/XXXX XXXX shows date of last payment as XX/XX/XXXX Inaccuray # 2 Date Last Active Experian shows a date last active as XX/XX/XXXX XXXX shows date of last active as XX/XX/XXXX FCRA violation : Experian shows date last active as XX/XX/XXXX, but Experian also shows Date of last payment as XX/XX/XXXX. How, When a late payment is considered activity for an account? 

Experian and XXXX both report inaccurate high balance : Experian shows : {$11000.00} Equifax shows : {$11000.00} XXXX XXXX Explanation of Calculation of Surplus or Deficiency : shows {$12000.00} If XXXX and XXXX  are getting the same information from the same creditor, then why does this account show inconsistent information? 

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Please send me the documents that prove Inaccuracy # 1 & inaccuracy # 2 are reporting correctly. Because of this obvious neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this account immediately. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 




Documents enclosed are as follows : I have enclosed a notice I received from XXXX XXXX which shows the high balance for Experian and XXXX reports is inaccurate. Please see XXXX XXXX XXXX - Explanation of Calculation of surplus or deficiency Aggregate unpaid balance of agreement as of XX/XX/XXXX - {$12000.00} This is what XXXX XXXX documents show is the accurate high balance. 

I have enclosed a screenshot of this account for you to view. Please see Date last reported, Date of last Payment, Date Last Active.
Product: Debt collection

This company has still not provided proof of the debt and keeps calling me on my cell phone with their auto dialer even after requesting to be removed.
Product: Debt collection

I had a Discover charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm XXXX XXXX XXXX XXXX  formerly known as XXXX XXXX XXXX filed and garnished my paycheck. Case XXXX XXXX file number XXXX filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from Discover with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. XXXX XXXX XXXX  is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
Product: Debt collection

This dispute was origianlly filed under XXXX but was closed as a duplicte which it was not and if it had been looked at the difference in account number and balance stated would have been recognised. 

In XXXX my identification was compromised in a breach by a professional service provider business and I believe that my identification was used to obtain services in the years that have followed. After accessing my credit report on XX/XX/XXXX I found an entry reporting as an open account that was unknown to me in the amount of {$410.00}. I disputed this with the bureaus and as a violation of the FCRA and FDCPA and I requested in writing full validation under the Violation of the Fair Reporting Act from XXXX XXXX XXXX with the account number XXXX who were reporting for their client XXXX XXXX XXXX. See attached XXXX XXXX report number : XXXX dated XX/XX/XXXX. On XX/XX/XXXX I had a telephone conversation with an agent of the collection agent who is reporting the account # XXXX to XXXX XXXX. I was advised that the unknown account was validated and I request to know who validated this account as mine. I was also advised by the agent that the total reported as past due on this account was {$410.00} and opened XX/XX/XXXX. I am appalled that my statements and requests have fell upon dead ears therefore, I challenge the accuracy, compliance and reputability of this listing. I require that XXXX XXXX XXXX  validate this information they are reporting against me and provide me with copies of documentation associated with this account, bearing my signature and my image. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful records of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Product: Checking or savings account

Hello. I was the victim of ID Theft. Someone pretending to be from the bank contacted me about my account. The person then requested access to my account to verify my identity. I am XXXX years old, this is my first account and I did not know this was fraud. I provided this person with my account username, password, social security number, birthday to verify my account. The person then used that information to make unauthorized XXXX transactions from my account to other people that I do not know. Before this happened, I had NEVER used XXXX. There were 15 transactions made. I have contacted Chase Bank to help me recover some of my losses to no avail. These transactions were not authorized and done without my knowledge. These same people applied for a PPP loan in my name, committed XXXX XXXX fraud, applied for Unemployment Insurance in Indiana in my name, accessed my email, my XXXX XXXX, my phone, XXXX account, and my XXXX  account. I have filed a police report, reported my social security number stolen, got a new ID, I put a fraud alert on my credit reports, and filed an FTC Complaint. I don't know what else to do. I just want my money back. Please help. 
XX/XX/2021 {$5.00} XX/XX/2021 {$100.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$320.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$400.00} XX/XX/2021 {$1000.00} XX/XX/2021 {$500.00} XX/XX/2021 {$500.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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
Product: Credit card

Around XX/XX/year> I started receiving calls and emails about purchases made at XXXX  on my card. I was away on vacation at the time and rushed to call the synchrony to report the unauthorized charges and then called XXXX to see if they could possibly stop the fraudulent orders. The XXXX  representative canceled and refunded the orders but now synchrony is trying to add these charges back to the account for purchases that I didnt make. Synchrony has now said theyve completed two investigations and are saying that I somehow benefited from transactions that were fraudulent but were cancelled before anything else could happen. I couldnt have benefited from a transaction/sale that was canceled. I shouldnt be held liable for a random person hacking in to an online account and making charges
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 hard inquiries were reported on my credit report. They were not given permission by me. I contacted both XXXX and XXXX multiple times to have this resolved and removed from my report. This company has either pulled via XXXX and/or XXXX. 

I did not authorize these hard pulls on my credit report. And they have not sent me any signature from me allowing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX performed a hard inquiry to obtain my credit score but was unable to obtain my score and my credit report dropped 70 points,
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support enforcement I have disputed this erroneous child support account from account. Credit Bureaus and original creditor declines to take it remove it even with documentation sent to them from the court. This has hurt my ability to obtain credit and they assigning the dispute as verified without looking at documentation. I never owed this date. I went to court with lawyer, judge dismissed case and ordered records purged. They keep marking account as verified when it's not.
Product: Credit reporting

It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the three main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
Product: Debt collection

Wetman, Weinberg, and Reis Co., LPA have called me repeatedly. They use automated calls that leave long messages on my answering machine. They are looking for somebody. I am not that person, but to get the phone calls to end, they want me to call them back. I should not have to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I was personally involved in a identity theft involving Equifax