23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
CAPITAL ONE XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or CAPITAL ONE customer service representative.
Product: Student loan

I am enrolled in the Pay as you earn plan through XXXX and also in the Public Service Loan Forgiveness Plan. I have been in this program since XXXX and have renewed it the same way every year- with the application, check stubs, and my W-2. This year I turned the application and supporting documents in on time. On XX/XX/XXXX I received a letter stating I also need to turn in my 1040 which was sent in on XX/XX/XXXX. I received a letter on XX/XX/XXXX that said I have been approved and to continue making my normal monthly payment ( {$39.00} ) until XXXX and then the amount would increase to {$46.00}. I made that payment on XX/XX/XXXX but saw the amount that was due is {$240.00}. I thought this was just a lag in the system and things would catch up since my paperwork was still being processed. I received texts and emails stating I was overdue on my payment and still owed the {$240.00}. I called on XX/XX/XXXX and spoke to 4 different people including the supervisor at XXXX. They said the letter was from XX/XX/XXXX and that turning my 1040 in on XX/XX/XXXX was more than the 10 days late that they allowed. The letter I have in my paperless inbox is dated XX/XX/XXXX and turning the letter in on XX/XX/XXXX is less than 10 days from that date. She said that the bill came out while my paperwork was being processed and there is no way this can be changed to the normal monthly payment of {$39.00}. I asked why they are unable to change this since the paperwork has been processed and was turned in on time. I was repeatedly told that my paperwork was turned in late and it should have been turned in earlier. I asked why I need my 1040 this year and they said because I checked the box that said to include my taxes. I have looks at my other applications and this box has been checked on those and I have never had to do this. I have only needed check stubs and my W-2. Everything was turned in on time. Since I have been told there is nothing they can do about this and this is the amount due, they told me to do a forbearance. I can not afford this payment which is why I am in the Pay As You Earn Plan. I have XXXX XXXX, a mortgage, bills, and limited income. The customer service I received was terrible. I did everything I was asked, turned everything in on time and because it took almost a month to process the paperwork, I was stuck with this amount and had no choice but to do a forbearance for this month.
Product: Debt collection

Caller call me XXXX XXXX, XX/XX/2018 ; stating the call was being recorded and requesting me to verify who I am, and my address.. Caller refuses to tell me who they were or what the call was about.
Product: Student loan

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include section 1681s3 of this title THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account ( s ) ( A ) subject to, any ( i ) report containing information solely as to, or ; experiences between the consumer and the person making the report transactions. A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The following items are listed below : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX WEBBANK ) XXXX Balance : {$9000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Debt collection

I paid the settlement amount and they promised to delete it but it still remains on my credit reports as opened
Product: Debt collection

Re : Notice to Cease and Desist To Whom it May Concern : While checking my credit report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your company formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this communication, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 


If you do not cease communication a lawsuit will be commenced against you.
Product: Student loan

My senior year of college, I needed {$18000.00} to financially clear and graduate. Unaware of the dangers, I signed up for a private student loan with a variable interest rate. Again, I had no clue what troubles lie ahead - I just wanted to graduate. I defaulted on the loan and it went into collections. XXXX became Navient and along came the calls. After a lot of back and forth we arrived at a settlement of sorts. Since that time, not one payment has been missed or late. Navient is being sued by the government, so I decided to check my account. In spite of the regular and on time payments, my account said that I was late and that late fees would be charged. The most strange thing, was Navient did register the correct date and the correct amount of my payment. I called Navient to address this issue. The person handling my case was both rude and condescending, when I asked about the contradictory information on my account. After telling me the account would be in collections until it was paid off, I was offered another settlement. I asked for the offer in writing and was rebuffed with " we do not provide anything in writing ''. I told the representative that I was looking at a document on their letterhead, with the reps name and signature on it, which was to function as a contractual agreement. So, I knew that they do provide documentation. In the end, I had to get off the phone due to the representative 's attitude. My account information is still inconsistent though.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXXDate Opened : XX/XX/year> Balance Owed : {$68000.00} Chargeoff-
Product: Debt collection

The week of XX/XX/2020 I rented a vehicle with XXXX XXXX from their XXXX XXXX office. The amount of the rental according to the reservation was {$290.00}. However, without disclosing the extra fee, the clerk added an extra driver ( who never drove the car ). She tacked on the surcharge of {$100.00} without showing me the charges or offering me a receipt. I never signed for these charges nor saw a receipt until returning the vehicle. Upon inspecting the document XXXX claims I allegedly signed, the signature does not match any known signature of mine. I was suspicious that XXXX XXXX XXXX had engaged in fraudulent activity and contacted my credit card, XXXX, to partially dispute the charge ( I was happy to pay the amount for which I had reserved the vehicle ). I sent documents showing that my signature did not match on the higher charge as well as photographs of the paper receipt I was given ( the only docuemtn ) showing the original charge of {$290.00}. XXXX agreed that this activity was duplicitous and partially charged back the fee. 

XXXX requested payment for the remaining amount in early XXXX. Using the FTC 's suggested letter for disputing a charge and seeking an investigation, I wrote a letter and provided documentation as I did in the XXXX dispute. This letter and packet of information was mailed via certified mail to XXXX 's billing department on XX/XX/2020, for which I have a receipt. I never received a response from XXXX via mail as I believe is required by the FTC. Instead, I received notice in a letter dated XX/XX/2020 that XXXX had sent the debt to be collected by XXXX Debt Collection agency, having not sent the required response to me concerning my right to investigate the debt and fraudulent activity I reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking a look at my credit so I can begin to start looking for a home once back in the US and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 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 i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( 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: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

An account listed on my credit report is inaccurate and erroneous. And according to the fair credit reporting act. 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. 

Account # XXXX XXXX XXXX is inaccurate and should not be listed on my credit report. Dates are not reporting correctly, date last active, date of last payment, 30/60/90 are different on credit reports. This account was already removed from one report for multiple violations of the fcra. Ive attached screenshots of this account from two different credit reports. And they differ greatly, and at the same time both are wrong. 

Account # XXXX XXXX XXXX XXXX. This account is not mine. This was originally a XXXX account. It was disputed and removed previously. The account was sold to XXXX where they reaged and relisted this account in direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Debt collection

Hi Synchrony Bank - Corporate Consumer Relations, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was endorsed and deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) into a Misc Deposits account. After realizing the payment was missing, I opened 4 disputes with JCPenney XXXX Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

XXXX XXXX ( Corporate Consumer Relations Senior Specialist at Synchrony Bank ) suggested, I contact XXXX XXXX XXXX ( XXXX ) via phone at ( XXXX ) in addition to the Consumer Financial Protection Bureau complaints ( Complaint Number ( s ) for XXXX are XXXX and XXXX ) for further investigation. 

XXXX XXXX XXXX suggested XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) conduct an investigation by reviewing their remote deposits report from XX/XX/2022 and confirming the check is on the Remote Deposits Report. After I contacted XXXX XXXX XXXX via phone at ( XXXX ) and the Consumer Financial Protection Bureau ( Complaint ID # XXXX and XXXX ) regarding pulling their remote deposits to locate the missing check and provided them with my full social and spelling of my name, I was told several times, they will not conduct further research or an investigation with an account number. 

After reassuring XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) I have never had and do not currently have an account with XXXX XXXX XXXX, XXXX XXXX XXXX ( the title company that issued check # XXXX ) started the process to open a claim and investigate the improper endorsement. For XXXX XXXX XXXX ( the title company 's bank ) to complete this process, they are requesting a representative of Synchrony Bank complete a Declaration of Unauthorized Endorsement or Altered Item form and return it back to me. I have attached a copy of the form. Please sign and return the attached Declaration of Unauthorized Endorsement or Altered Item form to submit to XXXX XXXX XXXX. 

Thank you for all your assistance!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

IN REGARDS TO : SANTANDER XXXX XXXX XXXX. BOX XXXX XXXX XXXX TEXAS XXXX. I REQUESTED A DEBT VERIFICATION AND VALIDATION WITH PROOF OF ORIGINAL CONTRACT BEARING MY SIGNATURE THROUGH CERTIFIED XXXX DELIVERED ON XXXX/XXXX/XXXX SIGNED BY AGENT XXXX XXXX. TODAY WHILE CHECKING MY MAIL I RECEIVED A LETTER OF VALIDATION WITH MY NAME AND SOMEONE ELSES INFORMATION IN THE STATE OF OHIO. I ASLO RECEIVED MY XXXX AND XXXX REPORT WITH INACCURATE REPORTING ON MY REPORT. XXXX TRULY FEARFUL THAT MY INFORMATION MAY HAVE BEEN COMPROMISED AND SANTANDER HAS DONE NOTHING TO RECTIFY THE PROBLEM. NONE OF THE PAPERWORK THEY SENT VERIFIED THE DEBT WAS MINES BUT THEY HAVE IT UNDER MY NAME AND SOCIAL SECURITY NUMBER. THERE REPORTING REMAINS ON MY CREDIT REPORTS AND I NEED HELP IMMEDIATLEY.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - attempted to get a copy of my free credit report through Transunion online, received the message " Unable to Complete Your Request Online ''. I contacted support who referred me to XXXX which also gave me an error message. I asked for a copy of my report to be mailed but I never received my report. 

XX/XX/year> - I had again the same experience as above, and was referred to technical support. They alerted me that there was an " error code '' on my account preventing my report from being accessed, and that a supervisor would need to look into this. I have never been a victim of fraud - there should be no flags on my account. They said it would take XXXX business days to be contacted. I'm extremely fed up with this as this is not acceptable.
Product: Debt collection

I purchased a foreclosed home and have continued to receive collection notices for the previous owner. I contacted the collection agency Rushmore Loan Management Services and explained the situation to them. The agent laughed at my circumstances after verifying that I do not have any 'accounts ' with them and directed me to fax a notice to their department of consumer affairs. The collection notices have continued to appear after I completed this action and the agent working on their behalf is taking photographs of my property.
Product: Credit reporting or other personal consumer reports

I have two accounts on my credit report showing balance and they are paid off. I have submitted paperwork proving they are paid off and still show open with a balance. 

The credit reports are not being reported correctly causing me many issues. 


XXXX XXXX XXXX  Balance {$42000.00} Balance updated XX/XX/year> XXXX Balance {$36000.00} Balance updated XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, XXXX, and Equifax. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.