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

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account XXXX : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Student loan

original loan amount = {$53000.00} payments made to date = {$38000.00} current balance as of today = {$61000.00} They keep increasing my interest rate, so I'm hardly paying any principal. Some of my loans have an interest rate of over 10 %. I'm never notified of these increases either. Not to mention I've never once received any information on the current payment plan I'm on. I was told I had fixed payments, but they increase my interest as an excuse to keep raising my payments while I have it set on auto-pay. 

Currently my loan payoff date is scheduled for XXXX and XXXX. 

Never expected that getting a degree was the worst mistake I've ever made in my entire life, and Ill be regretting it until the day I day, which will probably happen while I'm at work struggling to pay off my student loans.
Product: Debt collection

The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been applying for credit using my personal identity without my authorization and consent. I have contacted the creditors and the credit bureaus, however no one seems to be wanting to help me out. I have also placed a fraud alert on my credit report ot stop any further fraud from occurring. I have disputed the fraud inquiries countless amount of times, however the credit bureaus do not want to help me. I have ALSO filed a police report! 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX violated my rights. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was scammed Into paying a bill through cash app, two payments of XXXX, upon the second 1 the number changed. I told cash app because they advertise that they'll protect you and just open up a claim. I opened a claim, two, they did nothing not even declined just left in limbo.
Product: Debt collection

I am writing to formally dispute a {$400.00} debt that has appeared on my credit report, allegedly associated with an apartment complex I vacated over a year and a half XXXX XXXX XXXX in XXXXXXXX XXXX. After investigating, I discovered that I was never notified of this debt nor provided any opportunity to dispute it before it was sent to collections. This failure to notify me violates several provisions of federal and state consumer protection laws. 

Firstly, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I should have received written notice of this debt, including the amount owed and the name of the creditor, within five days of the debt collector 's initial communication. I never received such notice, and therefore was not given the legally required opportunity to dispute the validity of the debt within 30 days of that communication.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies and furnishers of information, such as debt collectors, have a legal obligation to ensure the accuracy and completeness of the information provided on a credit report. The fact that I was not informed of any outstanding balance prior to vacating the premisesconfirmed by property management at the timefurther suggests that the reported debt is inaccurate. 

Upon reviewing public feedback from former tenants, it appears that XXXX XXXX XXXX has a documented history of engaging in similar questionable practices, raising concerns of fraudulent or deceptive conduct that may violate state consumer protection laws as well. 

I demand that this debt be removed from my credit report immediately, as it was reported without proper legal notice and is invalid. I also request confirmation that this matter has been resolved, and the erroneous debt has been cleared from my credit report. 

If this issue is not addressed promptly, I am prepared to pursue legal action under the aforementioned statutes for the damages caused by these violations.
Product: Credit card

I have reached out to creditor 's and asked them to provide me with amount owed and the amounts keeps increasing on my credit reports without providing me with validation
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN I WENT TO GO PURCHASE MY VEHICLE I WAS TOLD THAT MY CREDIT REPORT WILL ONLY BE PULLED BY THE ACTUAL COMPANY ... I NEVER AUTHORIZED FOR ANY OTHER COMPANY TO PULL MY CREDIT OUTSIDE OF XXXX 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account Number : XXXX Dear Sir or Madam, I am writing to dispute the reporting of an alleged debt under account number XXXX as listed on my credit reports with XXXX, XXXX, and XXXX. This account was previously disputed and subsequently removed from my credit reports. I am astonished to see its reappearance, which I believe is due to a serious error or potential identity theft.

I have no knowledge of this account. Upon contacting the original creditor, XXXX, I was informed that the account is categorized under a business account, which strengthens my belief that there has been a mistake or misuse of my personal information.

As required by the Fair Debt Collection Practices Act ( FDCPA ), particularly under Section 809 ( b ), I am requesting immediate verification of this debt. This includes, but is not limited to, a copy of any contract or agreement I supposedly signed, and a detailed account statement showing the derivation of the balance claimed.

Additionally, under Section 609 of the FDCPA, I am exercising my right to request all documentation that the furnishers have concerning this account, including proof of any original signed documents.

Considering that this item could potentially be the result of identity theft, I formally request its immediate removal from my credit report pursuant to the guidelines of the FDCPA. Until and unless this debt can be fully verified and validated as mine, it should not be included in my credit history.

Furthermore, I had no prior notification before this account was placed on my credit report, which is a violation of my rights under the FDCPA that mandates advance notice to consumers. This lack of notice prevented me from contesting the debt before it impacted my credit.

Please treat this matter with urgency and ensure the removal of this unverified debt from my credit files. Should you fail to remove the item, I request a written explanation of the decision, including the certified documentation verifying this debt.

I appreciate your immediate attention to this matter and expect a response quickly. Please send all correspondence and proof related to this dispute to the above address.

Thank you for your cooperation.

Sincerely,
Product: Credit card

On XX/XX/XXXX, I was contacted by XXXX from Visa/XXXX  XXXX XXXX Chase ) regarding two questionable charges in my credit card. I verified that the two charges were not made by me and they are erroneous/fradulent. XXXX cancelled by card and had Visa issue me a new card. On XX/XX/XXXX I opened my Statement and and saw dozens of new charges from the same merchant ( XXXX ) in the amount of {$4600.00}. I immediately called Visa aXXXX XXXX XXXX. and spoke with XXXX. She agreed that the new charges looked suspicious and questioned why the electronic wallet feature had NOT been disabled by XXXX when my new card was issued! She issued me another new Visa card and agreed to have Visas Fraud Department review all of the XXXX charges. On XX/XX/XXXX I received a letter from Chase informing me that the original two charges were unauthorized transactions and therefore were not my responsibility and would be removed from my credit card. However, on XX/XX/XXXX I received another letter from Chase informing me that all of the subsequent Revolut charges were my responsibility and therefore would be added back to my most recent ( 3rd ) card! I have had multiple conversations with various individuals from the Chase/Visa Fraud Department XXXX XXXX. XXXX on XXXX XXXX ; XXXX on XXXX XXXX ; XXXX on XX/XX/XXXX ). They keep insisting that Im responsible for the charges because someone used the electronic wallet feature on my phone, got my credit card number, and used that information to run up dozens of fraudulent charges through XXXX. The total of the disputed charges is now about {$17000.00} and I cant seem to get these fraudulent charges removed! 
P.S. Ive had a XXXX XXXX XXXX card since XXXX and I always pay the full balance every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX COMENITY CAPITAL BANK added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, COMENITY CAPITAL BANK has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I went to my mailbox and retrieved several pieces of mail in that mail was a XXXX debit card issued from TD Bank that I never applied for. 
Further inside of the mail was a statement issued from TD Bank of a returned check that was deposited to this account and an overdraft fee associated because of altered or fictitious check. 
This check was deposited in XXXX Maine TD Bank I contacted their fraud department and I have reported this they have intern began their investigation of this so now I am reporting this particular issue to you There are also several others within the mail which I will file complaints with also after I have contacted these companies to file complaints Check deposit date of XX/XX/2022 Check was identified as fictitious Check was drawn from bank labeled XXXX & XXXX for an amount of {$1900.00} & labeled as a XXXX  check On the signiture is the name XXXX XXXX XXXX and typed for deposit only
Product: Credit reporting or other personal consumer reports

Theses Inquiries are fraud and is an attempt to get credit in my name. Never applied for these companies to access credit XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit card or prepaid card

I had two capital one accounts and still do, this incident happened over two years ago, my daughter suggested I try filing a complaint through the CFPB because Capital One is not willing to properly resolve my dispute. They have taken no measures to contact me or resolve as I previously filed a dispute through creditkarma.com and still the issue has not been resolved. I never opened two capital one accounts I just opened one but for some reason I show as having two capital one cards with two separate online profiles and it is just really wacky. I it is strange because I had set up my online profile with Autopay and would have done so with both cards had that been set up correctly but because CapitalOne failed to mention that these are two separate profiles not even attempting to combine them in any way to help the consumer. As I kept going to the one online profile and making sure auto-pay was set up. There is no reason for me to be late on a credit card. I pay off my credit and the online profiles should be together, after all it is the same company. I have one credit card separately and the other with my auto-loan. Mistakenly not realizing that the one account was missing I thought that the auto-pays were being sent. Until I got a bill then I just paid by check but got a late fee. I called to make the payment but not after being penalized with a credit report ding in XX/XX/XXXX. This repeated as when I would call capital one they would confirm that I do have Autopay enrolled and that it would draft the next time. I called again in XX/XX/XXXX after while as I new I had made purchases during the holidays again, and they said that it had not drafted then I got another late fee ( which was reversed ) and a credit reporting ding. I stopped using the card because I was so confused I went online. Then again I made a purchase in XXXX and this time I called them to make sure and they confirmed again, little did I know that I actually had two capital one cards that looked the same when I thought I only had one so that is why I would see that Autopay was enrolled and then another payment incident happened where capital one switched me to online statements and this was in XXXX of XXXX. I fault myself but also feel that capital one should take ownership, I have asked them to combined my profile since these incidents but they do not do. I am not happy with the level of customer service that I received because they did not think to check my other account for auto pay feature. I think they should have done it and set it up on the phone while I was on the phone with them.
Product: Debt collection

I haven't lived in XXXX XXXX in 5 years and when I talked to them on phone the debt was for 2 years ago. Now there is more debt on account and they were very rude from the beginning. They have multiple accounts where dates don't match. I have lived in XXXX since XX/XX/2015. Last time I talked to them was a couple of weeks ago and been about a year the time before that
Product: Credit reporting or other personal consumer reports

In the week of XXXX XX/XX/year> I attempted to log into my account at my.equifax.com to manage my report freeze. I could not log in, but supposedly the problem was temporary. I tried again on XXXX XX/XX/year>, and could neither log in, nor reset my password. I called Equifax, and their advice yielded the same failures. Equifax opened a ticket for this problem and said they would respond by email or telephone the next business day. By a week later, they had not. They also could not look up the ticket by number without identifying me, by more rigorous methods than earlier. 

Equifax leaked enough information to make it advisable to freeze credit reports, but now deny me the possibility of temporarily thawing my report. I keep good track of my passwords; perhaps Equifax leaked my password, then changed it for my own protection.
Product: Debt collection

The debt collection agency, Williams & Fudge, incorrectly reported to credit reporting agencies that I owed a tuition debt to XXXX. I did not attend XXXX in XX/XX/2014-XX/XX/XXXX. 
This false reporting of a debt I did not owe, caused me to be declined for a credit card through my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2015 .  XXXX  reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. Thank you.
Product: Student loan

Hello, Please note, this is a follow complaint that I have filed between XX/XX/2023 and XX/XX/2023. I do not wish to waste your valuable and respected time. 

However, I have found documented information that suggests that my contract has been breached and there has been evidence of predatory defaulting practices or starting to steer me into defaulting, refinancing, or bankruptcy which also suggests financial misconduct. 

I have attached new findings based on the refused credit card payment on XX/XX/2023 in which I had offered but was refused twice which triggered fees late my accounts on XX/XX/2023. 

First and Second complaint that I had filed on XX/XX/2023 & XX/XX/2023 : XXXX XXXX XXXX refused my payment of {$1400.00} or XXXX on XX/XX/2023 Representatives were not clear on what I owed I was asked to make a payment on the following week I called back as requested the following week and late fees were posted to my account in which it was around {$3400.00} Please note, I had already reported this to the CFPB Here are my new findings with supportive documentation : XX/XX/2023 statement indicates late fees would be added by the XXXX However, XX/XX/2023 late fees were added instead on the XXXX. 
Contract shows that late fees will not excessive based on the contract agreement I was billed {$3.00}, XXXX in late fees in which breaches the contract agreement indicating that fees should not exceed more than {$25.00} Since the late charges, I have been receiving harassing statements indicating that accounts will be reported to collections and credit agencies prior to the XX/XX/XXXX deadline. 

Also, on the XX/XX/2023 statement indicates that I was charged with variable rates when I have a contract agreement for fixed rate. 
You can see that payment of {$25.00} was required which is a fixed rate. 

My statements and past statements show that Sallie Mae has been charging me variable rates when I have always via contract, made an agreement to pay a fix rate amount which is {$25.00}. In which the organisation has always received my pay ahead amounts of {$25.00}. 

Another important finding : I have noted my phone call with XXXX on XX/XX/XXXX when I spoke with XXXX XXXX no : XXXX in which she gave me specific instructions to call the resolution department which is XXXX to call between XXXX XXXX Monday thru Friday. 

It turns out XXXX XXXX XXXX : XXXX was looking to collect large sums of money in which she would have received a commission or was required to collect large payments based her role at Sallie Mae. 

I was billed for the late fees clearly when the XX/XX/2023 statement indicated that late fees would only apply by the XXXX. However, I was billed the late fees the week of the XXXX. Also, I was billed {$3400.00} instead of {$25.00} as the contract indicates. 

This was an attempt made by XXXX ref no : XXXX to make more money for commission or as a requirement in which this suggests the actions of the organisation and the rep were deliberately misleading and predatory. 

Best Regards XXXX XXXX
Product: Mortgage

My wife and I were denied access to information ( appraisal ) on a new home purchase, have not been able to obtain a copy of our appraisal for over 4.5 months. In addition we received critical disclosures late and were notified after closing our home with in a flood hazard.
Product: Debt collection

XXXX/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and XXXX  and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), XXXX and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.