23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX agreed that if I paid the total amount I owed on XX/XX/2023 of XXXX, they would remove it from my credit report. However, the debt has been paid, and they haven't removed it from my credit report. Therefore, the representative agreed to DELETE it if I paid in full.
Product: Mortgage

XXXX XXXX, XXXX. 
In XX/XX/XXXX I bought a home in an over-55 development and took out a bridge mortgage until I sold my other home. 
The original mortgage was with XXXX XXXX, who then sold it to XXXX. I was notified on XX/XX/XXXX. Then, I was notified that LoanCare LLC would begin collecting my payments on XX/XX/XXXX, and thereafter. 
The sale on my original home closed XXXX XXXX and on that date, I sent a FAX to LoanCare LLC asking them to please send me the amount of the payoff effective XXXX XXXX and my bank would wire the money to them. 
To this date, I have not received a quote. The most recent email from them, dated XXXX, said : Please note duplicate inquiries may prolong your time for resolution. And lastly, Please allow 3 business days for your payoff quote to be processed. 
I filed a complaint with the XXXX XXXX XXXX and on XXXX XXXX they forwarded a letter from XXXX XXXX, who says he represents XXXX. He has instructed LoanCare LLC to investigate my concerns. Ive heard nothing to date.

Im sure that a substantial amount of interest has built up, which I do not feel I should have to pay considering I have done everything correctly and in a timely manner.
Product: Credit card

I did not authorize for this account to be opened. My information was included in a data breach and Ive been trying to get this removed from my credit report.
Product: Debt collection

I am writing this letter to dispute a negative collection account that was posted to my credit report that showed up yesterday via my XXXX XXXX Account at XXXX. 

I received a letter dated XX/XX/XXXX that states that I have 30 days after the receipt of the notice to verify the validity of my debt with them ( see attachment # 1 ). The letter also states that my credit report may have a negative impact if they dont hear from me. On XX/XX/XXXX at XXXX I received notice that my credit report has been updated as delinquent for the debt from Eastern Revenue. I called and left a message at XXXX to let Eastern Revenue know that I am interested in settling my debt and that they reported my account to the credit bureaus ahead of schedule. I also sent an email at XXXX stating this ( see attadchment # 2 ). 

The call was received and verified that I did in fact call at XXXX when I spoke with the Floor Manager, XXXX XXXX and XXXX XXXX the general manager the following day. At XXXX XXXX I received a call from XXXX XXXX who also took my complaint and request to settle the debt. My name and credit has been tarnished by this company fraudulently because they did not allow me the full 30 days as required by law under the Fair Debt Collection Practices Act to first verify the validity of my debt before reporting to the credit bureau. When I spoke with XXXX about this he stated that he is doing as the creditor wishes which was to report me by the XXXX and was well within the rights applicable by law to do so. I requested from XXXX, XXXX XXXX and XXXX that the debt be immediately deleted from the Credit Bureaus and that they send me a confirmation letter stating that this is what they are going to do. Only then can I with good faith pay in full the debt owed. Before speaking to XXXX I spoke with XXXX XXXX who said I have only 2 options : option 1 # put my account in dispute status to which I will receive a letter verifying the validity of the debt or option # 2 pay the debt in full and then and only after paid the debt will be deleted. I told him and XXXX that I would not settle for anything less than having a fraudulently placed debt removed immediately from my credit report as I am complying within the terms of the letter they sent me and also the Fair Debt Collection Practices Act section 15 USC 1692c 805 ( b ) and 15 USC 1692g 809 ( b ). I was told by XXXX XXXX that he needs 24 hours to investigate the claim and asked me if he has 24 hours to investigate. I again relayed the message that I have no problem settling a debt that I owe however I need an invalid and erroneous reporting to my credit to be removed immediately and I need documentation this will be done. In short : this company has violated the Fair Debt Collection Practices Act by not allowing me the full 30 days as stated by law and by their notice to verify the validity of the debt before sending derogatory information to Credit Bureaus. They have damaged my name and credit as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus is reporting my name wrong and they refuse to remove it. I have sent in multiple letters asking them to update the correct spelling of my name and they refuse to do it. This has been a frustrating process and its hindering me from moving forward. The credit bureaus is violating my right by reporting inaccurate information on my credit file. 15 USC 1681 ( a ) ( 4 ) -There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
The credit bureaus did not do their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

FA Peaks just started reporting to my XXXX  credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with FA Peaks. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the FCRA and FDCA. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with FA Peaks (  who is currently in a class action suit for fraud ) and XXXX  for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my report.
Product: Prepaid card

On XX/XX/2016 I used my American Express serve card to try and withdraw {$200.00} from my account at a ATM. There was an error on the transaction and no money was dispensed but {$200.00} came out of my account. I reported the dispute that night and did everything required on my end but still have n't received a provisional credit and they still have n't resolved the issue. It 's been past the 45 days they said would be the maximum time it would take to resolve. Everytime I call, they tell me different information and will not let me contact the dispute team. I am very unsatisfied with this company.
Product: Credit reporting or other personal consumer reports

Criminal background info is incorrect. 
Date of offense is reported as having occurred on XX/XX/21 Correct date is : XX/XX/21.
Product: Credit reporting or other personal consumer reports

They say they ran a report i dont have knowledge off this action that was done and why was it done
Product: Checking or savings account

I have overdraft protection turned off on my account. I did this so that I wouldn't go into a negative account balance, with the expectation that any transactions would be declined that would put me into a negative balance.

When I saw that not only did Chase allow for these transactions to occur, but I was charged {$34.00} overdraft fees PER TRANSACTION, one of which was under {$10.00}. 

I called Chase and they said that, regardless of me declining the overdraft " service '', that ultimately it was " to Chase 's discretion '' which transactions were covered and that Inhad no control over which transactions were declined or not. 

Per H.R. 4277, the Overdraft Protection Act. " Specifically, the bill would require financial institutions that offer overdraft coverage for accounts to disclose : ( i ) the specific amount of overdraft coverage fees ; ( ii ) that the consumers transaction may be declined if there are insufficient funds in the account; and ( iii ) that the consumer will not be charged a fee if the transaction is declined. The bill also requires prompt notice of an accounts overdraft status, limits the number of overdraft coverage fees a consumer may be charged in a given month and year, requires that such fees be reasonable, and prohibits a fee if the overdraft results solely from a debit hold amount that exceeds the actual dollar amount of the transaction. Finally, the bill further restricts financial institutions from charging a NSF fee for any ATM or debit transaction and from reporting negative information regarding consumer use of overdraft coverage to any consumer reporting agency when the overdraft amounts and coverage fees are paid under the terms of an overdraft coverage program. ''
Product: Debt collection

On XX/XX/2021, I received a collection letter from XXXX, XXXX,. on behalf of XXXX, for a bill of {$56.00} that I had never seen, threatening legal action if the amount was not paid in full. The letter was dated XX/XX/2021. I hold a XXXX  account and no such bill had ever materialized. After researching other consumers ' experiences with this, it seems such issues with XXXX and XXXX have happened in the past, including action with the CFPB. 

The letter gave me 30 days to dispute ; I payed the amount to stave off the collection agency while I contact and work with the CFPB.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Thus us a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax and XXXX Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts my be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My pet required an emergency visit to the XXXX and because of the high-cost bill, they recommended we use " Scratch Pay '' to apply for a loan to pay the bill in installments through a third party. On XX/XX/XXXX I applied through scratch pay and was " matched '' with XXXX XXXX as a loan lender. 

I applied for an emergency personal loan and was approved for a loan of {$900.00}. Scratch XXXX advertises that their loan matches have " affordable rates, '' " No prepayment penalty. No deferred interest. '' and " XXXX XXXX XXXXXXXX, '' however after I signed the contract agreement with XXXX XXXX I received an email detailing that my loan has processed to my account as well as a payment schedule that outlined a financial plan of XXXX payments of {$160.00} beginning XX/XX/XXXX and ending XX/XX/XXXX. Immediately, I knew the math was adding up for a {$900.00} loan that supposedly had no XXXX, but regrettably, I hadn't read the agreement before signing. 

So, on XX/XX/XXXX I called XXXX lending and asked them what the interest rate of the loan I had agreed to really was. They informed me that it was over XXXX XXXX and accrued daily. I informed them that was unacceptable and they asked if I wanted to negotiate a lower rate, to which I said I did. They then told me that they could lower it to XXXX XXXX daily interest and that their loans were intended to be paid of quickly and were not long-term solutions, but even if I paid the loan off as soon as my next paycheck, they would have net an extra {$200.00} on the XXXX XXXX  daily interest, so I told them to cancel the loan. They obliged and revoked the loan money from the account. 

Though despite the fact I did not end up taking part in their services, the fact that my XXXX XXXX is as high as it is and their initial daily interest rate was over XXXX XXXX that is incredibly predatory and completely unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XXXX XXXX XXXX XXXXXXXX, TX XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

To whom It may concern, These are some of the obvious errors in some of my accounts. Please delete these items, it looks like someone literally started a life using my information. I have always paid cash for things and was astounded when I had someone look at my credit. I had previously hired a credit repair company to handle this for me a couple of months ago. However, I think they are used to dealing with clients who are GUILTY. So, I am trying to handle this myself. At the very least please delete these items below until a thorough investigation has taken place by the Fishers Indiana police Department. I can now barely purchase my needed food, gas, and rent to stay afloat. I have attached my social security card and state ID to verify my identity for you. I assure you none of these accounts will have my SIGNATURE. Any signatures you may have been due to the person mentioned in the Identity Theft report stealing my identity and literally starting a new life with my information. This is not a dispute letter but a letter of suppression of the items stated below due to identity theft. 

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

I sent letters to XXXX XXXX, Certified Mail w/return receipts, on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. In the 3 letters, I made XXXX XXXX clear that I know my rights through the FCRA and FDCPA and requested validation of the debts they claim I owe, along with competent evidence that an agreement was ever made between XXXX  XXXX and myself. In the first letter I sent, I specifically requested XXXX  XXXX to provide me with : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' XXXX  XXXX responded with billing statements and a separate letter stating, and I quote, " Dear { My Name }. 

Thank you for your recent inquiry regarding your application with XXXX XXXX. The application that you refer to was taken over the phone or the internet, so, unfortunately, we don't have a paper copy to send you. We're sorry for any inconvenience ... '' This is an extremely clear admission from XXXX XXXX that they have no proof of a paper copy of any agreement made between Me and them. XXXX XXXX also failed to provide me with all the requested information. 
I sent my second letter which informed them they had not met the validation requirements as required by law. They responded stating, " According to our records, We received your application by Internet on XX/XX/XXXX and your account was opened on XX/XX/XXXX ... '' Yet, again, they sent nothing to validate I applied for an account with them. 
I sent a 3rd letter specifically asking for a recording of the alleged phone conversation or a copy of the alleged online agreement ( since they aren't even clear on how the alleged agreement was made ) showing clear undeniable proof I agreed to acquire the debt in question. To no surprise, they weren't able to provide either and responded again stating they, unfortunately, don't have a copy of the agreement to send me. This further proves they're unlawfully trying to collect a debt I do not owe, and reporting false, unvalidatable information to the major credit bureaus ( TransUnion, XXXX, XXXX ) which has caused immense damage to my credit score! They can't even specify how this non-existent agreement was made! 
Also, XXXX XXXX has somehow managed to convince the major credit bureaus this debt is validated yet as clearly documented by certified mail and multiple attempts from me, XXXX XXXX was unable to validate I owe this debt.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Equifax
Product: Credit card

I was one day late on the following cards because I have been moving from one city to another. The fees exceed the {$8.00} dollar amount for being late that I should be paying. They have called my phone over 500 times being not even a month late. 

XXXX XXXX XXXXXX/XX/year> LATE FEE {$29.00} XXXX XXXX XXXXXX/XX/year> LATE FEE {$29.00} -- -- -- -- -- -- -- -- -- -- -- -- {$58.00} dollars in fee just a single day late. 

Capital One PAST DUE FEE Fee ... XXXX {$25.00} PAST DUE FEE Fee ... XXXX {$25.00} PAST DUE FEE Fee ... XXXX {$28.00} -- -- -- -- -- -- -- -- -- -- -- -- - {$78.00} dollars in late fees from Capital One ( A single day late. ) XXXXXXXX XXXX XXXX  XX/XX/year> LATE FEE Fee {$29.00} Milestone XX/XX/year> PREVIOUS CYCLE LATE FEE Adjustment {$29.00} XXXX  XX/XX/year> PREVIOUS CYCLE LATE FEE Adjustment {$29.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX - {$87.00} dollars in late fees not even a month late Total in Late Fees : {$220.00} - Not even 30 days late.