23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for XXXX for XXXX XXXX in Navy Federal bank because XXXX XXXX XXXX member in Louisiana they charge me over and over and a purchased was authorized on my credit and I called to stop payment ( stop order ) from that customer and they charge me over again and they won't fix the rate I'm still XXXX XXXX and they charging me over 18 % I can't afford all that stealing.
Product: Debt collection

I received notification of a collection account reported on my credit report. In reviewing my file there is an open collection with Midwest Recovery Systems opened XX/XX/2018 with an original creditor listed as XXXX XXXX XXXX XXXX. I have received no notice of this account and do not recall any business with either company. The balance being reported is in the amount of {$1000.00} which I need removed from all reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX, VA XXXX Dear Portfolio Recovery This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I am requesting Portfolio Recovery cease all communication with me regarding the alleged debt associated. I am explicitly instructing you to stop all forms of communication with me, including but not limited to : Written correspondence, Telephone calls or messages, Email communications, and Reporting or furnishing information regarding this alleged debt to any credit reporting agencies, as such reporting constitutes a form of communication under the FDCPA. Any further communication from your company in violation of this notice, including indirect communication through credit reporting, will be considered harassment and a violation of my rights under federal law. Please be advised that continued non-compliance may result in legal action against your organization, including seeking statutory damages, legal fees, and other remedies as provided by the FDCPA and other applicable laws. This notice is effective immediately upon receipt. I kindly ask for written confirmation of your receipt of this letter and your compliance with my request. Additionally, if you claim that this debt is valid, please include any substantiating documentation to support your claim in your final correspondence. I reserve all rights under the law, including my right to dispute the alleged debt and take legal action if necessary. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone try to open many the credit card under my name. 
And balance past due XXXXXXXX XXXX is more than 30 day on XXXX, XXXX effect to my credit score go from XXXX score down XXXX. 
Multiple credit card inquiry happened since XX/XX/XXXX till now including XXXX XXXX  XXXX  XXXX, XXXX. 
Most of the inquiry is credit card inquiry.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX BANK XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX  - XX/XX/2025 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX ( XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Student loan

On or around XX/XX/XXXX of last year, I noticed that the total balance the consolidated loan had increased substantially. As I remember, I did make a call at the time and was not given a response in a understandable manor or there than the account information and terms were correct for the balance. Still the balance of payoff had changed. recently, I have filed a complaint with the CFPB noting that over the course of 10 years I have paid over 40k and still owed XXXX on the loan I have been paining over the month payment requirements. Today, I received an email saying that there were documents were sent to me from Navient on the Navient website. With some difficulty, I was able to find where the documents were and opened them. to my dismay there was 2 documents that were there dated from XX/XX/XXXX of last year. I never received copies of these documents in my email or in the mail. basically they said that due to the fact that my loans that where consolidated had different closing dates and that they had to be the same by federal law. It also stated that they " Navient '' was extending the loan term to the maximum amount allowed by law. I did not consent to this change nor was I informed of this process to object to it. This allowed Navient to basically steal 10 years of payments received on the account. This also in basic terms reset the loan length to accrue more payment and interest that they could have attained by any other process. This is dishonest and deceptive practice as well as fraud. this adds to the fact that the loans were consolidated without my consent. As the documents that they sent to me for the consolidation of the loan was an electronic signature and I did not consent to the consolidation. That being said, changing the length of a loan term without informing me of the issue or receiving my approval by the normal means of communication was a subversive attempt and deception on the part of Navient to lock a loan in for a much greater time frame and payment. This also increased the interest generated per month on the loan.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX, XXXX, XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

I did not subscribe to XXXX. My demand requires you to investigate every claim of impropriety on my credit report. It includes : 1. Contact with alleged creditor ; 2. Request for signature exemplar ; 3. If none is produced, please remove the derogatory information ; 4. Remove all hard inquiries on my credit report if NO signature exemplar is provided.

This is a final goodwill attempt to have you clear up my record.

This is a formal notice that this account ( s ) are disputed. Please note that wrong information is a violation of FCRA & FDCPA. 

XXXX XXXX, XXXX/XXXX XXXX XXXX   ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX AMOUNTS : {$540.00} ; {$300.00} ; {$540.00} ; {$1300.00}. 
XXXX XXXX XXXX XXXX, XXXX, NC XXXX Remove these four credits information from my report. XXXX XXXX XXXX on Tel : ( XXXX  ) XXXX was a billing company and a creditor mentioned by XXXX XXXX , XXXX . 
these accounts are not mine. It must be removed immediately.
Product: Mortgage

My loan was paid in full on the XXXX of XXXX XXXX I was told it takes 21 business day to have my escrow account balance mailed to me. I waited until the Week of XXXX XXXX and when I had not received it I called Mountain West Financial to see if they mailed it to the old or new address. They had mailed it to my old address so I asked the gentleman on the phone to please cancel that check and reissue it to me at my new address. I was told this process will take 48 hours and my check will be reissued then. I wailed until XXXX XXXX and called again when I did not receive my check and was told by the young woman that my check had never been reissued and they would put a rush on it and have it out to me in 48 hours. I waited until XXXX XXXX and still did not receive my check when I called they said that it takes 15 days from when I asked for the canceled check and that they could not send it to me any earlier than the XXXX of my. When I asked for a supervisor I spoke with a woman who said that it is not their fault that they had miss informed me and that the can not send me my money any earlier than the XXXX. I feel like I was lied to about time lines and that they are being deliberately deceptive in their process for reimbursements.
Product: Debt collection

XXXX 2017 I received a letter from Hunter Warfield claiming I owed over {$3500.00} for an apartment complex. I called Hunter and requested a debt validation as I had not heard from the complex in question. Hunter Warfield claimed they had not received any statements from the apartment but would get one and mail it to me. I did n't hear from them again until XXXX 2017 when I received a notification via XXXX XXXX that my score had dropped due to a collection. Of course, Hunter Warfield had added themselves to my credit report as a new collection. I immediately called them again and was told that there was nothing they could do. They looked in their notes and saw that I did request to have the debt validation sent and they just had n't done it. The only way to remove it from my credit was to pay the full amount due and they would report it as paid. I tried for a supervisor and manager who all said the same thing and that it was too late now as it was reporting to my credit. I needed to " get over that fact and just pay them what is due or they 'll make my credit even worse. '' I asked what that meant and they said they had ways of making people pay whatever they wanted. I hung up and tried to get someone else and once my file was accessed, I was put on hold for 34 minutes and then hung up on. My old complex is not sure what is going on but says they are out of it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I have previously filed a complaint about this company Santander Consumer USA inc. The case id for my previous complaint is ( XXXX ) Santander restored my account to an active account and immediately placed in the collections department and demanding the back payments for months of dispute of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was not made active until approximately XX/XX/XXXX. They are attempting to make it appear as I have just not made any payments for no reason other than just not paying them. I am seeking that my account be listed as active and current and to begin making payments again as scheduled once the dispute is resolved. I believe it is unfair for Santander to unwrap my loan then reactivate it and place it in collections as being three ( 3 ) months behind when thy cause the problem to begin with. I want my payments to restart on XX/XX/XXXX without any additional interest or back loading of the loan. I made the first six ( 6 )  payments without fail. I want to resume with the seventh ( 7th ) payment and not have to pay Seventh ( 7th ) thru Tenth ( 10th ) all at once. Every bit of this situation could have been avoided had Santander informed me at any time during the first six months of my account. I firmly believe that Santander consumer USA inc. is a predatory lender preying upon person at a disadvantage. Please Help!
Product: Credit card

I have been a Barclay Credit Card holder since 2014. After reviewing my payment history I discovered that they were taking XXXX dollars a month for interest which only 10 percent of my payment was actually going towards paying down the balance. Their terms and agreement page is misleading and unclear.
Product: Debt collection

I requested Professional Adjustment Corp. SW FL, Inc. to send me a copy of HIPPA form to verify the debt. To date, I have not received any signed HIPPA form with my signature.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information in my credit history. Specifically, this pertains to the XXXX  XXXX XXXX account with the partial number XXXX. This account contains substantial errors that have negatively impacted my credit profile.

Specific Issues with the Account 1. Incorrect Status : The account is reported as " Collection/Chargeoff '' by Experian, while other credit bureaus provide different statuses for the same account, highlighting a lack of data consistency. 

2. Inaccurate Payment History : Delinquencies, such as 30- and 60-day late payments, along with a " Chargeoff '' status, are recorded for XXXX and XX/XX/year>. These dates do not match the information provided by other credit reporting agencies. 

3. Date Inconsistencies : The date of last payment and the date of last activity on the account are inconsistent with records maintained by other credit bureaus.

FCRA Violations 1. Section 607 ( b ) : Accuracy of Information Experian is required to ensure the accuracy of all data reported. The discrepancies in account status, payment history, and dates violate this requirement.

2. Section 611 ( a ) : Reasonable Investigation of Disputes Despite prior disputes filed regarding this account, Experian has failed to conduct a reasonable investigation and correct the inaccuracies, as mandated by this section.

3. Section 605 ( a ) : Reporting of Obsolete or Inaccurate Information Experian continues to report information that is inaccurate and outdated, which is prohibited by this section.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> EQUIFAX have failed me To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s 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 XXXXXXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Subject : Urgent Dispute of Persisting Inaccuracies on My Credit Report - FCRA Request Dear Sir/Madam, I hope this letter finds you well. I am writing to you for the third time with an increasingly heavy heart regarding the unresolved discrepancies in my credit report. Despite my previous attempts to rectify these issues, the inaccuracies persist, causing undue distress and impacting my financial well-being. 

Address Discrepancy : Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Explanation : This address, which I have never inhabited, continues to mar my credit report, despite my repeated requests for its removal. The Fair Credit Reporting Act ( FCRA ) safeguards my right to an accurate credit history, and I implore you to please eliminate this erroneous entry from my XXXX report. 

Incorrect Employer : Current Employer : XXXX XXXX XXXX Incorrectly Reported : XXXX XXXX XXXX XXXX XXXXXXXX Explanation : My employment at XXXX XXXX XXXX remains erroneously reported as XXXX XXXX, XXXX XXXX XXXX. This misrepresentation adversely affects my credibility. I beseech you to rectify this discrepancy in compliance with FCRA guidelines across all credit bureaus. 

Late Payment Inaccuracy ( XXXX ) : Account : XXXX  Account number XXXX Discrepancy : Discrepancy in dates of late payments and account activity among credit bureaus. 
Explanation : The inconsistency in reporting my XXXX XXXX  account undermines the accuracy of my payment history. Despite my assurances of timely payments, these errors persist. Please rectify these discrepancies promptly to ensure the fidelity of my credit report in accordance with FCRA regulations. 

Unauthorized Inquiries : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX  - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX  - XX/XX/2023 Explanation : The multiple unauthorized inquiries continue to cast doubts on the integrity of my credit report. I have no recollection of authorizing these inquiries and suspect potential fraudulent activity. It is my right under the FCRA to dispute and request their immediate removal to safeguard the accuracy of my credit profile. 

I earnestly plead with you to investigate these persistent discrepancies diligently and rectify them without further delay. Enclosed once again are documents substantiating my claims, affirming my correct address and employment details. 

Your immediate attention to this matter, acknowledging my rights under the FCRA, would alleviate my deep concerns. I implore you to expedite the resolution of these disputes and provide written confirmation upon their rectification. 

I am truly grateful for your assistance and eagerly anticipate your swift response. 

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

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX, XXXX and TransUnion. XXXX sending them the last letter dated XX/XX/, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX, XXXX and TransUnion have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX