23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the alleged debt of {$910.00} that Pro Collect Inc. has attempted to collect from me. I believe this debt is invalid and improperly charged. I have not received any written notice detailing the nature of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

This charge originated from my lease with XXXX XXXX. I was entitled to one month of rent waived as part of the agreement, which was explicitly stated to me when I moved in as a student. Despite my attempts to resolve this matter directly with XXXX XXXX, including sending an email disputing the charge, they failed to respond and unjustly forwarded the account to your agency. 

As I do not owe this debt, I am requesting the following : Validation of the Debt : Please provide all documentation, including a detailed statement of the debt, the original agreement, and any other relevant records that substantiate this claim. 
Report the Debt as Disputed : Until this matter is resolved, I demand that this debt be reported to credit bureaus as disputed, as required by law. 
Cease Collection Efforts Until Validation : Under the FDCPA, you must cease all collection efforts until you provide the requested validation documents. 
I am XXXX XXXX with limited financial resources and should not be held accountable for a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter was sent to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX and the disputed amount is {$19000.00}. This account is past the statue of limitation for the state of Florida. This account has also been re-aged, and it is illegal to re-age any account. The date last active for XXXX is XXXX XX/XX/XXXX, XXXX   is XXXX XX/XX/XXXX ( currently listed as XX/XX/XXXX ), and XXXX  shows XXXX XX/XX/XXXX. It is illegal to re-age an account. This account has been re-aged. Delete this account immediately. 

This letter was sent to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the XXXX  Dispute Department on XXXX XX/XX/XXXX. The dated last active for XXXX  is XXXX XX/XX/XXXX, XXXX  is XXXX XX/XX/XXXX, and XXXX show XXXX XX/XX/XXXX. XXXX  shows this account payment history with a paid as agreed status in XX/XX/XXXX and it was placed in a charge-off status in XX/XX/XXXX by XXXX, this is a conflict. Delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX however Equifax and XXXX states XXXX was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting. 

UPDATE TO PAID ON TIME NEVER LATE OR REMOVE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my daughter XXXX XXXX has open accounts in my name. The ONLY account I have is with my daughter XXXX with XXXX XXXX. That is the only account I have just recently open. I have never open an credit card account. My daughter address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. She has her husband posing as me to open accounts and to lied to open new accounts. I'm XXXX years old and will be XXXX in XXXX so why will I open credit card accounts I never had before. Please help e to resolved this. She has recently changed my information on my credit bureau reports and I can't access my own accounts. I worked all my life and paid taxes. I'm XXXX. This should be unlawful that someone can open or change an account with showing proper identification.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

REF : ACCT # XXXX On XX/XX/2018 I processed my first Payment on a used truck in the amount of {$520.00} because the bill pay payment I had set up through my credit union did not process and I did not want a failed payment on my record. On XX/XX/2018 Bank of America processed an additional payment of {$520.00} causing an overdraft ti my account. I am a Single parent and a 100 % XXXX Veteran and unemployed. I do not have the means to make double payments and this additional payment placed my and my daughters existence in jeopardy. When I became aware of the double payment on XX/XX/2018 I notified the auto loan department and requested they reverse the unauthorized additional payment. I was told by the original person I talked to in that department that I needed the Payment reversed and returned to my credit union by ACH withdrawal as they had taken it as it had over drafted my account and left me with a ZERO balance and was told that a check would be mailed and he rudely hung up on me. I called back on XX/XX/2018 and spoke to a lady named XXXX of XXXX. she advised my credit union had to verify that the account was overdrawn and that they would not refund the money. I received the letter she requested from my credit union and  sent it immediately by email. She promised that she would expedite the payment upon receipt of the letter. My records indicate she received the letter by email within 30 minutes. After payment was not received I called Bank of America back on XXXX XXXX and was told the check was mailed from Delaware on was on its way. I was also told that they were waiting on verification from my credit union but the check had been mailed, I explained that I had sent it to XXXX by email and it was received. I called back on XX/XX/2018 and told my check would be mailed on Monday XX/XX/2018 from Florida. Florida is where our mail distribution center is located and usually mail received there is processed and delivered next day. XX/XX/2018 I again called Bank of America and was told my checked was mailed on XXXX XXXX from XXXX, Florida our mail distribution center. As of today XX/XX/2018 I have not received the payment mail is delivered next day after receipt at our distribution center in XXXX, Florida. Bank of America is not being truthful and has deliberately holding my much needed money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items if information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I contacted Affirm to update my phone number and email address. I first attempted to use the chat option to reach a XXXX agent but was unable to get past the automated chat bot. Next I tried to call a XXXX agent at XXXX ( XXXX ) XXXX and after talking with an agent for 29 minutes was disconnected after requesting a supervisor to assist me as I could not understand what the XXXX agent was saying due to their accent. Lastly, I tried to reach out again to a XXXX agent via chat, but was unable to move past the automated chat bot to speak to a live agent. My phone number or email has not been updated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a medical debt that has been reported on my credit file. The account in question, listed under XXXX XXXX XXXX, appears on my credit report. I do not have a contractual agreement with this entity, nor did I authorize them to report this debt on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I request a full validation of this debt, including proof that I agreed to be financially responsible and that this entity has the legal right to collect and report this information. If no such agreement exists, I demand that this account be removed from my credit report immediately. 

Please investigate this matter and provide me with written confirmation of your findings. If the information can not be verified, I expect the disputed item to be deleted in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Credit card

Starting in XX/XX/year>, I noticed that my credit card account fees had significantly increased. When I contacted the company, they informed me that I was being charged fees monthly, with some months exceeding {$100.00} and even reaching up to {$1000.00}. Strangely, these charges occurred despite the fact that I hadnt made any significant purchasesonly minor expenses like groceries totaling {$170.00}. Frustrated, I called again and closed my account, but I was informed that I still had to pay the remaining balance. Unfortunately, the charges continued to accumulate, even though I diligently paid my bills on time. This situation feels incredibly unfair to consumers like me, especially since the account is now closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for you to inform that I was a victim of identity theft. I am not responsible for this account. Please provide all verifiable documents only from the original creditor, if not please remove them. I was a casualty of savage wrongdoing. I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap. Per Fair Credit Reporting Act Section 605B you are required to remove undistinguished items on my credit report. These items seems inaccurate so remove these all from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 
amex XXXX
Product: Credit card

I wrote a letter stating that I wanted to opt out of all prior authorization. However, they continued reporting to the credit bureaus without my permission.
Product: Student loan

Discover Student Loan policies are designed to maximize interest charged. You are forced to sign up for autopay or you will pay 0.25 % more. The autopay can take out anywhere for 1 to 3 days to take out payment. I pay average of around $ XXXX/month or more in interest, so you are looking at up an extra {$60.00} dollars interest per month. 

In addition, the information in account balance, monthly statement and student loan history ( which can be requested after struggling with hours of arguing with customer service ). 

Any time you make any changes to your account, discover re-calculates your interest and increases it. 
There needs to be transparency and illegal practices need to be stopped. I would like beg to lawmakers or anyone who can help to please -please -please don't torture the payer. I am already paying so much interest and making on-time payments plus taxes. Can anyone help. I have paid more than originally borrowed amount. I am not asking for forgiveness, I am asking for transparency. I need to know where my hard earned dollars are going??????
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX This is a charge off account. The balance on this account is incorrect It should indicate {$0.00} and why is it showing a BALANCE {$4300.00} and the past due amount that is seriously damaging my credit scores. Please delete this inaccurate information from my credit report 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX This account is inaccurate Please delete this account and delete this immediately 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX. 
Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to BANK OF AMERICA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting BANK OF AMERICA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report in accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and fraudulent accounts have been created in my name without my authorization. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$880.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$660.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Dear CFPB, I desperately need your help. I'm being neglected by XX/XX/XXXX XX/XX/XXXX and Equifax. I sent them a letter sixty days ago regarding my disputes. I still haven't received a response yet. All three bureaus are in violation of the FCRA. I need these accounts be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE XXXX TO REFLECT SO.SEE CFPB COMPLAINT XXXX, DATED XX/XX/2016.
Product: Mortgage

In XXXX and XXXX there were incomplete XXXX  XXXX bankruptcies filed on my behalf that never went to court because of the erroneous filing. 

After this my mortgage company US Bank stopped reporting my mortgage payment. The XXXX XXXX  were erroneous filing and that should not affect the reporting of an account that has a 30 year term. 

In XXXX XXXXXXXX, the liability on the mortgage is an exception. Heres the part of the Bankruptcy Code that excludes long term debt like mortgage.

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due.
Product: Credit card or prepaid card

I paid my credit card balance of {$2600.00} that was due on XXXX/XXXX/17, one day late on XXXX/XXXX/17 by mistake. I have accidentally done this in the past during my 5 years of membership at American Express, and as long as it was only a few days, they said not to worry about it because I have been a loyal customer. 

This time, they charged me a {$27.00} late fee on XXXX/XXXX/17. And then, they charged me {$290.00} on XXXX/XXXX/17 for interest expense! For paying a balance of {$2600.00} ONE day late, I was charged {$290.00}, implying an annualized rate of over 1000 % APR! 

They explained to me that if I read the fine print, they calculate it based on my rolling balance since the closing date of my last bill too, but that just makes no sense because I was n't supposed to pay that new balance until XXXX XXXX. Even if it 's in the fine print, it 's very clearly just abusive and they could n't even still explain to me how they got to the interest expense. If they ca n't figure it out over the phone and that is their job and have to get back to me on how they got to that calculation, how am I the consumer supposed to be able to figure that out?! 

So in total, I am paying {$310.00} for paying a {$2600.00} bill one day late, when I have been a customer with XXXX for over 5 years that has never defaulted on a payment and have an excellent credit score of XXXX.
Product: Debt collection

I was paying XXXX a month for a year and they kept taking it on the wrong day and overdrawing my account which was costing me an extra XXXX dollars every time and I gave specific instructions of when I got paid so I had to stop paying it because they were costing me more than I could afford at the time and now my rents higher but my income hasn't increased and when I talked to them I only owed XXXX and now I got all these other amounts I'm just now seeing and I'll see what I can pay because they screwed my bank account up all the time
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach.