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

Dear [ XXXX/Equifax ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report.

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA
Product: Payday loan, title loan, or personal loan

I took a loan thru spotlon.com and paid that loan in full on XX/XX/19 on the amount of {$740.00}. 
On XX/XX/19 spot loan debited my checking account {$41.00}. I contacted spotloan and they acknowledged the debit was done in error and I would receive a refund. I have contacted them several times since and have been given the run around that my refund was being processed and they need to verify my mailing and email addresses. Ive verified them 3 times now and still have yet to receive a refund.
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX, XXXX on all accounts create

d by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding
Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX  about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.

14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal
identification information without prior consent and creating an account in my name without my knowledge.

18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Mortgage

I am financed through freedom mortgage, my insurance is through XXXX XXXX. My house had numerous trees down including one on top of my roof. XXXX XXXX issued me a check for XXXX to fix my roof that has holes in it and added freedom mortgage onto the check. Freedom mortgage has had my check since XX/XX/XXXX and I am now at XX/XX/XXXX with no roof fixed because they keep making me go through different processes then saying 7-10 business days. I had my air conditioner replaced and trees removed and their inspector has come out to verify that. Three years ago I filed bankruptcy so they put me on a monitoring program for my insurance money. I am risking getting further damage because I have no insurance money to give contractors to start work Freedom Mortgage has had my payment for 7 weeks and deposited in their bank for a month now. I am wondering if they are enjoying getting interest off other peoples money. I am current on my payments due all past due payments were in my bankruptcy filed in XXXX. I have called 20 plus times and asked to speak to a supervisor everytime I call they say that they are busy. Im very dissatisfied with their loss draft department and being blown off when I have a hole in my roof and a cracked window
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) (
1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Synchrony Bank. I am enrolled in " auto-pay ''. This past XXXX, I tried to change the amount and what happened was the auto-pay got cancelled. I did not know it got cancelled. 

I have been an on time payor. Synchrony has damaged my credit score by marking me with a 30 day LATE. In XXXX, XXXX and XXXX I did not receive a call or email, or mailing saying I was 30 days late. If I did I would have corrected it immediately. 

I spoke to them, 3 times, supervisors ' etc. I disputed the account with them while they investigated it. 

I just received a letter saying they will NOT remove the 30 day late. My credit score has plunged XXXX POINTS today. 

I made a double payment last month once I was the reduction in credit score. I have had problems with Synchrony in the past on another account and find them to be AWFUL and no leniency at all for any reason. 

Please assist me in restoring my good credit rate which was over XXXX. I regret I have to take these measures. I feel I have been grossly " mistreated by this company.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX The Branch Manager For Republic Finance XXXX Called My Place Of Employment. The Manager Told Him I Was Not Available As We Are Not Allowed To Receive Personal Calls. XXXX Then Told My Manager This Is XXXX At Republic Finance Can You Have Her Give Me A Call Back Because I Am Trying To Save Her Account From Being Charged Off At The End Of The Month.
Product: Credit card

I signed up for a Home Depot credit card with Citibank. The application requires my residence address and mailing address which is different. About 4 months later I received a phone call from Citibank when they told me that I had been charged a late fee for not paying my bill.

In discussing this with Citibank, They realized that they had sent the original billing to my residence address rather than my mailing address so I never received the bill. I asked them to mail me a bill to my proper mailing address and I would pay it when the bill came. The b ill came around XX/XX/year>, the account had a late fee on it. On XX/XX/XXXX, We paid {$73.00} the amount of the charge on the bill but did not pay the late fee as it was not our fault, About a month later I received another and this bill charged me a late fee for not paying the late fee on the original bill. I called Citibank and spoke to one of their escalation agents. I explained that the original late fee was improper because we hadnt received the bill on time to pay it on time. She told me they could remove one of the late charges from the bill, but not the other one. I explained that they were charging me a late fee for not paying an improper fee, but the woman told me that the company policy was not to remove two late charges. Ive been receiving phone calls from Citibank. Ive told them that Im not going to pay this fee because its improper. I continue to receive phone calls requesting payment. 
The account currently shows a balance of {$64.00} with a past due amount of {$29.00} I am requesting your assistance to contact Citibank to have them clear the account of these improper late fees, and I intend to close the account at that time Thank you kindly for your assistance in advance
Product: Debt collection

I have attempted multiple times through the month of XX/XX/2022 to pay a debt owed by contacting both the creditor and their 3rd party collector, midland credit, to arrange payment. I had set up an agreement with XXXX XXXXXXXX XXXX a year ago to consolidate debt, and after consulting an attorney I dissolved that agreement and cancelled any and all power of attorney on my behalf. I have alerted Midland of this on multiple occasions and attempted to pay the debt. Midland refuses to speak to me. I have audio recordings of these conversations verifying I am no longer represented by an attorney, and that I am calling to pay a debt. They consistently insist they have to receive verification directly from XXXXXXXX XXXX XXXX  that they no longer represent me. I have told them they can not legally speak on my behalf, and this is my account. They still refuse to speak to me. I can not discharge the debt, and its still reported to my credit by both Midland Credit Management and the creditor, with literally no recourse to pay or have it removed. This is an unfair reporting practice.
Product: Vehicle loan or lease

I contacted XXXX finance through Chase bank about the problems of the car that Chase XXXX XXXX sold and finace an incompleted car and not delivering the complete car
Product: Credit reporting or other personal consumer reports

I am writing to report a case of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. The following fraudulent accounts have been reported on my credit profile : 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 reporting, credit repair services, or other personal consumer reports

This is my second time disputing the following accounts : -CAPITAL ONE BANK XXXX XXXX # XXXX -XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE  AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between mid-XX/XX/XXXX and XXXX 2017, hackers gained unauthorized access to certain files at Equifax , Inc . 

Equifax announced this security breach on XXXX XXXX, 2017. 

I went to the website Equifax set up to address this issue, equifaxsecurity2017.com, and once I entered my last name and partial Social Security number, I received this message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have taken action to place an initial 90 day fraud alert with Equifax that is supposed to also go to XXXX  and XXXX. 

While I understand that this event was not anticipated by Equifax, I feel that Equifax did not take strong enough precautions to protect my personally identifying information. My name, social security number, birth date, address, and possibly driver 's license number and credit card numbers, could be in the hands of people who could sell it. I am concerned about potential identity theft and I also feel like Equifax should have notified the public sooner, particularly those individuals affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

Chase Bank has been falsely reporting information on my credit report. I have disputed the information with the credit bureaus and they continue to verify the many inaccuracies on my profile. 

I went through my records and found a monthly statement and it shows how Chase has provided fraudulent documents on my statements. The amounts of debt it stated I owed and other account details were inaccurate. The complete pay history is inaccurately reporting. 

How can they report inaccurate information with any care to how it may affect my credit. The terms balances etc all vary from the documents they have on file
Product: Credit card or prepaid card

I have written a letter and called multiple times ( mostly to be hung up on after waiting patiently for 20 minutes/or more ) to understand what a charge on my card is for, no one has be able to answer my questions and so tired of calling to be transferred and they say it's under investigation and no more information. I keep asking for clarification for a debit adjustment charge of {$66.00} on XX/XX/XXXX and no one can provide any answers and keep getting the run around. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent transunion certified mail ( tracking # XXXX ) they received the mail XX/XX/XXXX. The mail consisted of a notarized letter from myself that I am aware that I am being violated pursuant to 15 us code 1681b any reporting agency may only furnish a consumer report with written permission of the consumer and that I never gave them permission to report my information. I sent them a cease & desist notice demanding that they remove all collections, charge offs, negative remarks late payments and clear all my balances to PAID in FULL. I also sent an affidavit of truth and a demand that I am paid {$1000.00} for EACH violation. Transunion received my disputes XX/XX/XXXX and sent back the return receipt XX/XX/XXXX but has not responded to my demands, paid me for my violations, or made any corrections and or changes to my credit report which is a violation of my consumer rights.
Product: Debt collection

we have used this company for years never had an issue but remarkably once i had cameras installed i noticed that the service that normally takes 30-40 minutes took 8 minutes. I then called them and they didn't want to listen so i advised them that i had the video and still they didn't want to listen. i told them to cancel my services and will pay them there regular fee but refused to pay them for a service that they did not provide as usual, this service they provided before and i was there every time except that one day in questione, this service always took 30-40 min when i tried to explain the issue but they totally did not want to here it, i told them i could show them the video.and again they did not want to hear that, I was very concerned that this could even happen. The cameras found that problem and who knows how long this has been an issue when a customer is not on site making sure they did there job. i cancelled them only because they were not interested in viewing that they had some problems
Product: Checking or savings account

They said without having provided ANY information that it is in their fraud dept. I have no idea why since I have to go into their physical branch to do an ID verification. They gave me no other information except that, " my money is safe. '' They froze my account and have not given me any information since XX/XX/2024.
Product: Student loan

I've been paying on my private student loans since XXXX, my Navient ( Then Sallie Mae ) XXXX Education loans currently stand at {$160000.00}. 


I went to the school " XXXX XXXX XXXX XXXX  '', a branch of the " XXXX XXXX XXXX XXXX '', in XXXX and Graduated with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This school has since closed down. 
When I took these loans out, I did so under the impression that it would be possible to pay them back, or at least pay them down. This was an impression that was instilled in me by the school 's financial department when I first visited the campus in XXXX VA. In addition to this, I was repeatedly told that I did not qualify for any other financial assistance, and that these loans were the last and only way. 


When I first began paying back the loans, I was given a monthly payment of $ XXXX to begin with, and was given six months as an initial grace period. The XXXX XXXX itself did next to nothing to assist me in finding work, instead just pointing me to a freelancing site. I struggled to find any employment in that six months, and soon needed more time. When I went to Navient ( Then Sallie Mae ), the forbearance they offered at the time costed {$150.00} each time and only lasted for ~three months each to the best of my knowledge. Due to the level of difficulty I had finding work, my forbearance was used up very early on, and I can no longer rely on them as an option. 


When I eventually was making income, I struggled immensely to make payments each month, as the Navient payments were not the only loans that had been taken out when I was going to XXXX. For many months most of my income was dedicated to student loans and little else. There were times when I was able to get on to an Interest Rate Reduction program with the Navient loans, but those were temporary and my loan amount would quickly balloon again since the interest rates were 13-16 %. As of this day, my normal payment is set to {$2000.00}, and even going on a payment plan will only decrease it to $ XXXX. Despite the difficulty, I managed to keep paying my loans without defaulting, which unfortunately made me intelligible for the Attorney General settlement debt cancellation in XXXX. As time continues, the loans will only increase in price and the monthly payments will become so high that even a payment plan won't make them manageable. 


All this for a school that was closed down due to foul play and has not given me the employment opportunity it claimed it would.
Product: Credit reporting or other personal consumer reports

Ive attempted before and willful non compliance of the fair credit act the FCRA states ( cite the law ). Since you are collecting this information directly from ( creditor ) and this is an experience between me and this person, clearly this a violation and should be removed immediately.603 ( 3 ) ( e ) the term on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with TransUnion for almost a year about this bankruptcy and have inaccurate credit reports impair the efficiency of my credit worthiness from XX/XX/2023 XX/XX/2023
Product: Credit reporting or other personal consumer reports

I like to file a complaint for an unidentified fraudulent item as a result of possible identity theft on my credit report for the following : XXXX XXXX XXXX I have attached a copy of my FTC ID theft report with this complaint. Please remove this fraudulent item from my creit report immediately.