23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CHRYSLER CAPITAL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Comply with the Federal Law, Fair Credit Reporting Act section 605b, and have the disputed accounts and information removed as soon as possible.
Product: Debt collection

I was paying them off, I owed {$410.00}, I was going to pay {$200.00} on  XXXX  but they said it had to be in  XXXX . Someone from  XXXX  called and blocked their # and said call  XXXX , they were with  XXXX  County and were going to serve me with papers tomorrow between  XXXX  and  XXXX  and I must have a valid government issued ID. I called  XXXX  County Court s ( Civil and Circuit ) and a sked if they had any cases with my name, they both said no. I called the  XXXX  number and asked who it was they said  XXXX , I asked why there were representing themselves as  XXXX  County and they said they were retained by Spot Loan but now the case has left their office and I better pay Spot Loan before they take further legal action. I 'm sure I have paid them way more then the original principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Upon accessing my credit report to check on my score before applying for a new apartment I was shocked to find accounts and addresses that didnt belong to me. My initial response was to contact the original creditors, and submit an FTC to said bureaus and clear my report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit and qualify for my own apartment for an undisclosed amount of time. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. These bureaus were denying federal law and I had to pay the price of Experian, XXXX XXXX XXXX delinquency. 

There was over XXXX in collection debt, XXXX addresses that were being reported and closed accounts that were repeatedly being reported as past due and miss pays.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed XXXX, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on Transunion it's ( XX/XX/XXXX ) and XXXX is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Account is not mine. 

Account Name : XXXX XXXX Account Balance : {$7000.00} Account Number : XXXX
Product: Credit reporting or other personal consumer reports

stating {$1000.00} balance is on my credit report after they have charged it off.
Product: Credit reporting or other personal consumer reports

XXXX is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Act ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 

There is no contract or written permission where I { put your name } gave any written permission. 
If you XXXX believe that I have given you this permission I am requesting the document pursuant rule XXXX. 

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission. 
I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.
Product: Debt collection

This company keeps intentionally reporting inaccurate information on my credit report. The company refuses to validate the debt which is violation of the FDCPA AND THE FCRA due to inaccurate information. They will not comply with the federal laws of the UNITED STATES. This debt was dismissed in court.
Product: Mortgage

I asked my lender B B & T how to eliminate my monthly PMI payments and I followed all of there instructions and after getting the runaround for over 3 months they keep changing there guidelines, now they said I had to contact XXXX XXXX which I did and they said I qualified for the reduction and I had to go thru my lender and now B B & T has come up with something totally different
Product: Credit reporting, credit repair services, or other personal consumer reports

PIONEER CAPITAL SOLU Reported : XXXX XXXX XXXX {$490.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

I was supposed to receive interest on my account until XX/XX/20. Wells Fargo is telling me that I don't get interest on the last day of the expiration date. On my statement It says the interest rate expires on XX/XX/20 but they are telling me I don't get interest on XX/XX/20. So they will only pay me up until the XX/XX/20.
Product: Debt collection

I spoke to XXXX XXXX from UC RB on XX/XX/XXXX after he left me a voice message on my cell phone. He told me there was a complaint filed against me to commence legal proceedings. He then requested I make payment arrangements to stop the processing, which I did. On Friday morning of XX/XX/XXXX, I received a phone call from XXXX XXXX at XXXX XXXX I was not able to answer and thought it was odd to call before XXXX XXXX. I then received another call at XXXX XXXX, but I was at work and not able to answer. XXXX XXXX left another voice message on my phone. 
I had my representative call to speak to him and got XXXX XXXX instead. He was told that he was in violation for calling before XXXX XXXX and XXXX XXXX wouldn't allow my Rep to speak, he would interrupt her and even started to use profanity. He was very rude and decided he didn't want to continue to speak to her so he discontinued the call while she was on the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Transunion and XXXX are reporting a monthly payment of {$1900.00} and XXXX is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX and XXXX  are reporting XX/XX/XXXX. Transunion and XXXX are reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX XXXX is reporting XXXX XXXX is reporting it as XX/XX/XXXX. ALso Transunion and XXXX are reporting it as 120 days late but XXXX  is reporting payment status unknown. There are so many obvious FCRA violations
Product: Student loan

MOHELA does not allow payments to be made on accrued interest for existing loans if you continue to borrow. So you can not reduce the interest that will be owed on your loans when you graduate. This information is not clearly available anywhere on their website, and when attempting to pay off my accrued interest via phone, which is apparently the only way to direct payments, the representative assured me that my payment would be applied as directed. It was not until checking my account the following week that I was made aware of the error. Finally after calling another different representative they finally informed me that their rules did not allow my intent.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within XXXX  days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX XXXX - XXXX - {$4000.00} XXXX XXXX - XXXX - {$18000.00} XXXXXXXX XXXX - XXXX - {$22000.00} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance  : {$0.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00XXXX 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

I had a Synchrony Bank credit card XXXX account that was charged off. I settled this account out directly with Synchrony Bank for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called XXXX XXXX trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help
Product: Prepaid card

I have been on hold for hours and have called multiple customer service lines only for the customer service rep to not understand my complaint or the situation that is occurring. Also the customer service reps are obviously non-native XXXX speakers which isn't an issue but it is frustrating when I can not understand them and they can not understand me. AMEX claims that this card can be used anywhere and I tried to use it at an authorized retailer ( walmart.com ). AMEX is accepted at XXXX and XXXX. I am trying to purchase a bedframe for {$150.00}. The remaining balance on the gift card is {$940.00} so there should be no problem at all to use the card since the balance exceeds the purchase amount. It is very frustrating that I receive this gift card for all my hard work and that I can not even use it at most places even when amex has posted on their website that XXXX is an authorized retailer. Customer service reps continue to transfer me to different departments and hanging up on me and none of them seem to know the correct answer or how to help me. Then they asked for my email address and physical address which I provided since that was another " security verification step '' that was needed even though I have never had to do that with a gift card before. I have also called XXXX multiple times and they say that the problem is with Amex. I call Amex and they say the problem is with XXXX. So no one seems to know who is at fault or how to help me. They want me to use a different form of payment but that is literally the reason I got the gift card so that I could use on this purchase!
Product: Credit reporting or other personal consumer reports

After receding my recent credit report, there is an inquiry dated XX/XX/year> that was not authorized. I requested documentation for verification of inquiry and have not gotten a response.
Product: Student loan

My experience with XXXX/Navient mirrors the current CPFB complaint. When I was unable to make full payments on my loans, both XXXX and Navient representatives recommended deferment and forbearance rather than income-sensitive repayment options that were also available. I did tell the reps that I could pay something but I was told that forbearance was a better option. This has led to a staggering amount of interest that continues to compound, essentially nullifying my monthly payment. The whole payment goes toward interest rather than principle, it does n't seem that the loan will ever be paid. Although I did apply for and was approved for an income sensitive repayment plan, it 's too late. 

A second issue I encountered was with the service provided when XXXX transitioned to Navient. I was told that I could continental to make payments online, however that was not the case. I thought I was making my regular payments and receiving email confirmations. However, I actually needed to call and have a rep set me up for online payments. I never received any notification that my payments were n't received, which meant that more interest and fees were added. 

When I read that the CPFB was investigating this, I immediately recognized my own experience and wanted to register my complaint. I hope that there is some relief in sight that does n't involve bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever had identity theft. I'm not sure the reason behind this, but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items. Thanks!
Product: Credit card

I purchased a product from XXXX. I never received the product d/t to exceptions from the delivery company. The product was returned to the seller as a result. Seeing I have a payment due on the XXXX of XXXX for a product ordered XX/XX/XXXX and never received I reached out to seller and Loan Company Affirm. Affirm requested evidence and when I click on the link to submit evidence it says page not available. Customer service must be overseas because there is a language barrier, and they make it very difficult to request a dispute. The email correspondence has no contact information for an agent or representative that may be working on the case. The email itself is a " no reply '' address.

Your Loan Breakdown With Affirm, you'll never have to pay compounding interest, hidden fees, or unexpected costs. 
{$760.00} Loan amount The amount of credit you borrowed {$760.00} Total of payments The amount you will have paid after making all scheduled payments {$0.00} Finance charge The amount this credit will cost you to date {$0.00} Remaining {$760.00} Processed : XX/XX/XXXX {$760.00} Due : XX/XX/XXXX {$120.00} Due : XX/XX/XXXX {$120.00} Due : XXXX XXXX {$120.00} Due : XX/XX/XXXX {$120.00} Due : XX/XX/XXXX {$120.00} Due : XX/XX/XXXX {$120.00}