23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Here is a draft for a letter you can submit to the Consumer Financial Protection Bureau ( CFPB ) under the Fair Credit Reporting Act ( FCRA ). Please review and tailor it to fit your specific situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act Dear CFPB Representative, I am writing to formally submit a complaint regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this issue directly with the credit reporting agency " Radius Global Solutions '' and/or the information provider " Radius Global Solutions '', the dispute remains unresolved. 

Summary of the Issue On XX/XX/XXXX, I reviewed my credit report and identified the following inaccurate information : Radius Global Solutions : [ Account Number ] [ Describe the issue, e.g., " Account is reported as delinquent, but I have proof of timely payments. '' ] I contacted [ Name of Credit Reporting Agency ] on [ date ] to dispute this information and provided documentation to substantiate my claim, including [ e.g., payment receipts, correspondence, or other supporting evidence ]. Despite this, the inaccurate information has not been corrected or removed from my credit report. 

Applicable FCRA Provisions Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed if it can not be verified. Specifically : Section 611 ( a ) ( 1 ) ( A ) : Credit reporting agencies must conduct a reasonable investigation into disputes.

Section 623 ( b ) : Furnishers of information must investigate and report the results to the credit reporting agency within 30 days. 
Requested Resolution I am requesting that the CFPB investigate this matter and ensure compliance with the FCRA by all parties involved. I also ask for the following : Immediate correction or removal of the inaccurate information from my credit report. 
Written confirmation of the changes made. 
Assurance that my credit score will be adjusted accordingly to reflect these corrections.

Supporting Documentation I have included the following documents for your review : A copy of my credit report with the disputed information highlighted. 
Copies of my correspondence with [ Name of Credit Reporting Agency and/or Creditor ]. 
Copies of supporting evidence, such as [ payment receipts, proof of identity, etc. ]. 
Thank you for your time and attention to this matter. I look forward to your prompt response. Should you require any additional information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

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

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX there was roughly XXXX used by my debit card in various places and in a row the bank could not show me any videos, I only use my banks atm not 3rd party. They said there was not enough evidence which is a false statement as they reimbursed me XXXX XXXX in XXXX but then took it back. I since changed cards, but my account money is still gone
Product: Credit card

We applied for a Chase Marriott Rewards Visa card for my wife several months ago. The promotion was for XXXX free Marriott Rewards points after {$2000.00} in spending during the first 2 months. We spent over {$2000.00} in the first two months and paid off the balances in full each month. We did not receive the rewards. When I sent an email inquiry to Chase detailing the problem, they responded by telling me that I had 3 days left to spend a total of {$3000.00}, not {$2000.00}. I reiterated the conditions of their $ XXXX/2 months promotion and asked them to honor the agreement. I still had the original promotion printed out and in my possession. They closed the account instead. Our FICO credit scores are in the low XXXX. This is not the first time I 've experienced this type of problem with Chase Bank. It will certainly be the last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : The Company XXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XXXX of XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX XXXX XX/XX/15 XXXX XXXX
Product: Student loan

Today I received 3 envelopes from Navient -- one for bill/statement due for $ XXXX dollars due in a few days, one for 3 different minimum payments, one for how my payments would be processed. The one with the due bill showed that my student loan increased and I had to pay a sum I was unable to afford since I am a participant in the income-based repayment plan. Since I only recently attained a full-time job, I had n't been able to pay my loans before this year and only just managed to save enough money to not worry about paying my loan with my other bills. I never received any notification that my IBR plan was up for renewal ( which it normally is around tax season ) through the mail or an email. When I called Navient to ask about my IBR, I also asked why my student loan suddenly increased from about XXXX to XXXX ; I was told that I was being charged interest when in previous years I was told I was not going to be charged interest since I was a student taking out the loan rather than a parent, etc. I was also told that I would not be charged interest on a subsidized loan but would be charged interest on an unsubsidized loan -- I have both and saw on my online account that I was being charged interest for BOTH my subsidized and unsubsidized loans, from both of the universities I attended. I am being charged 4.5 % interest on the subsidized loans and 6.8 % on my unsubsidized loans. I even picked another month at random to check, and I picked a statement from XX/XX/2016 and compared it to the statement I was mailed ; the XX/XX/XXXX statement was the original amount I knew I owed WITHOUT any interest. I just applied to renew my IBR plan ( now I just have to wait to hear back after my application is processed ) and the representative who helped me put a forbearance through for this month so I would n't have to pay an amount I ca n't afford at the moment. I still do n't understand how I am being charged interest suddenly when I was under the impression the last few years that I would n't be charged interest and I could pay my loan without worrying about accruing much, if any, interest.
Product: Mortgage

Quicken Loans Inc. is my current mortgage service provider - mortgage is owned by XXXX XXXX.Quicken Loans notified me by email on XX/XX/2019 about change in service provider to XXXX, XXXX effective XX/XX/2019. There was no online documentation on the portal indicating the change in service provider. The online portal still shows a payment due to them XXXX XXXX - this is just wrong! I have not yet received anything in regular mail regarding this from Quicken Loans. In my call with their service representative today XX/XX/2019, they said they have mailed a document which I should be receiving today (apparently through pre-sorted first class mail without any postmark). Notification by email exactly 15 days before effective date of change in service provider is not good practice - no phone call, no online portal document. What happens if they send the notification by second class mail and it takes 10 days to get to me? In the age of so  much junk and spam email, I do not even know if this email is kosher or not or just another spam email. My email provider (XXXX) could just have thrown this in Junk or Spam folder which does not ensure that I would have viewed it.The new service provider, XXXX, XXXX, notified me by email today XX/XX/2019 about the service change. This is not compliant to the CFPB mandate. Again, it was through email and not regular mail. Does CFPB mandate of minimum 15 days notice on change of mortgage service provider allow notification by email? Who is to blame if the next monthly mortgage payment does not make it to the new service provided?
Product: Checking or savings account

I typically receive my paycheck through direct deposit every other Thursday. This last Thursday XX/XX/year> I did not receive my pay check. On XX/XX/year> I still had not received my paycheck. I split my check between XXXX banks. I received my pay at the other bank. However, I expected to receive {$3100.00}. I still have not received it as of XXXX XXXX time on XX/XX/year>. 

This bank has a responsibility to give people their money. They should be fronting everyone their money until they fix their technical problems. People will not be able to pay for their groceries, their child care, gas. This is a nightmare for any family. 

The bank needs to be held accountable.
Product: Credit card or prepaid card

I applied for a Chase United Explorer card in XX/XX/2018. I was promised XXXX XXXX bonus miles if I spent XXXX dollars within first 3 months. Since I didnt activate the credit card as soon as I received it, I called the customer service number in XX/XX/XXXX and asked if I would still qualify for bonus miles now if I go ahead and activate the card. The representative told me since the card had not been activated, as long as I spent the money within 3 months of activation I would get the bonus miles. I have since spent the required amount and Ive been getting runaround to receive my XXXX bonus miles. I have since called severa times and was told I would receive them and still no miles. Then I sent XXXX emails and was told I dont qualify and they will investigate. I just want my bonus miles because thats the reason I called prior to activation and asked if I would qualify and I was told yes or I wouldnt of activated card. Your assistance in resolving matter is appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING IS REPORTING IN ERROR. I HAVE CALLED ALL COMPANIES AND THEY HAVE SENT BUREAUS AUTHORIZATION TO DELETE. XXXX  HAS DELETED. TRANSUNION NEEDS TO DELETE. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Home Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXXXXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

I have had a business checking account with First Citizens Bank for only a little over 2 months and since opening I have been penalized with overdraft fee a total of 59 times for the amount of {$2100.00}. The reason for this is that it seems that when processing occurs at the end of each business day any and all debits are processed before and credits no matter what time the credits or debits were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

Today XX/XX/2021 i received my son 's Way2Go prepaid benefit mastercard through mail. 
Unfortunately the {$100.00} balance was to be spent untill XX/XX/XXXX I checked the ballance online and it is {$0.00} today What can i do? 
Please advise
Product: Credit card

Chase bank card was paid in full and closed in XX/XX/2023. I never charged anything with this card for a long time because they charged 30 % interest and A yearly fee. I shopped around and found XXXX at 0 % for 2 years and transferred the amount from Chase to XXXX. Chase is still trying to tell me I owe them money but I do not owe them anything. After 60 days, Chase sent me XXXX bill saying I owe them {$150.00} so I called them and told them I owe them nothing for their card was paid in full and closed. My account with Chase # XXXX. And their customer service is horrible with all XXXX  people that should learn XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX  This is in accordance with the Fair Credit Reporting Act611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identity item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit accounts, judgment, etc. 

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account from my credit report to prevent further damage. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint in regards to fraudulent activity/information on my reporting on my credit report. DSNB MACYS with account number XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) reporting on XXXX and XXXX does not belong to me. XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) on XXXX and XXXX doesn't belong to me and lastly, XXXX XXXX  ( Original Creditor : XXXX XXXX ) doesn't belong to me as well.
Product: Debt collection

This bill was created when I was in the hospital with XXXX. I had created a payment arrangement with the facility. I made payments to them until I got XXXX again. The amount of the bill isnt correct. Ive sent the collection agency the paid bill and the credit reporting agencies keep putting this on my credit. Considering that the world was going through this more time and compassion should be shown to XXXX  survivors because we still have a long road to recovery
Product: Mortgage

On or about XX/XX/XXXX I purchased a piece of land from my brother-in-law that ajoined my property. When my brother-in-law received a loan modification on his mortgage his lender made a mistake and included the land I purchased in his new mortgage. I have been in the process of refinancing my mortgage since XX/XX/XXXX. My brother-in-laws lender has not granted the necessary release so that I may move forward on my refinance. This delay has already cost me an additional {$610.00} to extend my rate lock and I do not want to incur any additional expense through the fault of somebody else 's mistake. I will attach my email and contact information for my brother-in-laws lender Chase Mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Inaccurate payments dates. Inaccurate full name, inaccurate address. Please delete from my report, as it is affecting my score and account is paid and full. Please do not violate my rights.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a notice stating I was in default of {$2100.00} for an account ending in XXXX on approximately XX/XX/XXXX. I did not recognize this account and sent a letter dated XX/XX/XXXX requesting documentation of this account. Approximately 2 weeks later I was informed that the account was fraudulently opened and to sign their affadavit attesting to this. I mailed this response approximately XX/XX/XXXX. Today I received a letter dated XX/XX/XXXX informing me that the account ending in XXXX belonged to me based on identifying information they confirmed. I called XXXX for the Fraud Investigation Team and XXXX informed me that this account was in XXXX and that she could not see details and would forward a request to an investigation at Synchrony. I also took down my Fraud file # XXXX and an address to continue with my complaint. In looking through my XXXX bankruptcy documents filed in XXXX, I located an account # ending in XXXX for Paypal with the same disputed amount. I had not heard from this company in years which is why I was surprised to hear about a deliquent balance since I have worked very hard to limit taking on any debt I can't afford. I need your assistance in resolving this matter for a discharged debt that Synchrony/Paypal is trying to recover almost 5 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is a complaint against Wells Fargo and their credit Card Services. Wells Fargo illegally opened a credit card for me on XX/XX/XXXX and my identity was stolen erroneous charges were made to the card causing me financial hardship as a newly XXXX year old with a minimum wage job that was never able to recover from. I went into a branch and made them aware of the charges and they told me I had to pay them here was nothing they can do. This event caused me to sink into a financial debt i never recovered from until this card was charged off in XXXX. I submitted a fraud claim they never fully investigated at the time and now on XX/XX/XXXX they send me a letter saying that after further investigation that they were wrong and that I WAS a victim of identity theft reimbursing me the funds that were erroneously charged to my credit card years prior that put in SUCH a financial constraint I was never able to recover from and ultimately caused my credit card charge off in XXXX.
Product: Credit card

XX/XX/2014 I forced into purchasing a time share owned by XXXX XXXX at the time I was forced and when my husband and myself wanted out they refused. So we were charged by Bank of America {$2900.00} and they refused to help. Bank of America has a link to XXXX XXXX and refuses to help. It was fraud and Bank Of America is refusing to corporate with us. My husband and I just want our money returned and case closed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an inquiry on my credit report from a companythat i dont recognize and they did not have my written consent to do so and are in violation of 15usc 1681b afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX