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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( a consumer contract with my signature on it ) and under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXX Principles ( XXXX XXXX ). 

Please remove these unverified and incomplete items listed below : XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Product: Debt collection

I used to have a XXXX account, and I left XXXX because my bills were always over XXXX a month just for XXXX phone lines. XXXX XXXX, XXXX I went o XXXX and signed up with XXXX. I understood I had a balance due with XXXX and I tried many time to make arrangements with XXXX to continue t pay XXXX a month until this bill is paid off because as of now that is all I could afford. XXXX itself kept not corporating with me, and on XXXX XXXX, I started receiving calls from a XXXX person saying they are a partner with XXXX and want to collect a debt, I explained my situation to them explaining I am not working right now I am recoving from a XXXX and I can XXXX  between XXXX and XXXX a moth. they said if I want to return to XXXX I had to pa XXXX a month, I explained to them again, I can not XXXX this so I will not be returning to XXXX. the person I spoke with was XXXX who said she can set up arrangements and on XXXX XXXX, I paid XXXX to the XXXX PARTNERS OF XXXX. today, XXXX, I received a call from a gentleman from XXXX stating I had to make payments of XXXX. I said I had arrangements set up for the XXXX of every month to pa XXXX or XXXX he said well those are no longer good arrangements and I am only going to accept XXXX or more with new arrangements. that is against the law and I am not going to keep being harassed every day 5 times a day by this company. if I continue to stay under stress the next XXXX will kill me my doctor said. and it is very easy now for me to have another XXXX since I just had XXXX. I thought it was against the law for a company to do this to a consumer. I thought as long as a consumer makes payments a company can not do anything to them or put nasty negative things on their credit report. I want this matter handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain Financial has shown up on my credit report as hard inquiries multiple times to include as far back as XX/XX/2021. One address is local in my town of XXXX, SC XXXX which I called and was spoken to very rude and Inappropriately. The other one is out of XXXX, IN which I tried calling and got disconnected or hung up on. Attached is information to include emails I sent and their responses.
Product: Credit card

Subject : Request to Reopen Fraud Dispute on Gas Card Balance Dear Citi Bank Customer Service, I hope this message finds you well. I am writing to formally request that you reopen my fraud dispute regarding the balance on my Exxon Mobil gas credit card. I previously reported the transactions on this account as fraudulent and informed your team that my card was lost/stolen. However, I was recently informed that my claim was denied due to an alleged lack of a report regarding the card 's status. 

I would like to clarify that I did indeed report my card as lost/stolen at the time of the incident. It is crucial that my dispute is taken seriously and that the fraudulent transactions impacting my account balance are investigated thoroughly. As these transactions are not my responsibility, I request an adjustment of my account balance to XXXX. 

Additionally, I want to stress the urgency of this matter, as I am hearing impaired and can not easily communicate by phone. I kindly ask that all correspondence regarding this matter be conducted via written communication ( email or mail ) as I rely on these means to assist me. 

Further, I would like to highlight that reporting this balance as late or past due to the major credit bureaus would be a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 623 ( a ) ( 1 ) ( A ) of the FCRA mandates that a creditor must not furnish information to a consumer reporting agency that the person knows or has reasonable cause to believe is inaccurate. Since the transactions at issue are fraudulent, I trust that you recognize the implications of reporting this information inaccurately. 

Please confirm receipt of this request, and I urge you to prioritize this matter and conduct a thorough investigation. Your prompt attention to this issue will be greatly appreciated as it affects my financial standing and credit history. 

Attached is my secure email using my online account to try and resolve the issue but despite telling that I am hearing impaired and have no other means to contact the response to my secure emails was to call in using phone or TTY. See attached. 

Thank you for your attention to my request. I look forward to your timely response.
Product: Debt collection

The loan company has been giving my information to my spouse which is illegal in the state of South Carolina. After I have called them to request a payoff, they are refusing to give it to me due to the current situation I have discussed w/ them. I have called them 2 times within a 30 minute period for my payoff & they keep putting me on hold & then saying they have it taken care of. 3 hours later, no payoff faxed to me or no phone call back to let me know what info I have requested.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I made a police report about my identity being stolen. I recently tried to apply for my first credit card and when I denied from it I discovered I had a credit history on my bank app going back 11+ years ago. I was XXXX at the time. These accounts have been in my name owning multitudes of money. One being an XXXX XXXX card and another bing discover bank card and 3 other closed accounts and 6 hard credit checks. I am XXXX now and this is very serious considering my credit is poor and me myself has never personally had a credit card before.
Product: Checking or savings account

Cash App refuses to remove the {$60.00} temporary authorization hold from my account ( from XX/XX/15 at XXXX ), despite the fact both myself and the general manager of XXXX XXXX XXXX  XXXX provided the necessary letter ( see attached ) to have the hold immediately removed. They are blatantly trying to hold on to my money for 14 days as a way to make interest for their company off of my money. This type of practice is wrong on so many levels and banks need to be held accountable for these deceptive and dishonest practices. I have both called and emailed Cash App support NUMEROUS times over the last three days and they absolutely refuse to help in any way. Im homeless and living in my van and I need access to my {$60.00}. I advised Cash App of this as well and they have absolutely ZERO empathy! When you call you cant reach a US based customer service team and thats half the battle. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a Equifax represenative to call back on XX/XX/2021 for statutus of an existing dispute filed XX/XX/2021. I called in today and the customer service agent hung up on me after I asked for information of the dispute status. The agent refused to give me any information and told me to resend all documents to start a new investigation. I have sent in proof of FTC report with id, social and all required dispute letters. I have been going back and fourth with Equifax for 6 months now and each time I ask if the items were 100 % verified with proof of all required documents due to me being a victim of identity theft they never can provide an answer. By Federal law each credit bureau is required to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, THEY MUST VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. Equifax have not provided me a copy of ANY original documentation required under sec 609 ( a ) ( 1 ) ( A ) ( A ) consumer contract with my signature on it. ACCOUNT DISPUTE # XXXX AND DISPUTE ( XXXX XXXX XXXX. I SENT MY IDENTITY THEFT REPORT FOR BOTH ITEMS.
Product: Vehicle loan or lease

Hello, I wrote XXXX this letter and they stated to me that there was nothing that they could have done to help me. 

( Dear XXXX, I am writing to explain the late payment that was reported on my credit report in XXXXXXXX XXXX XXXX At the time, I experienced an unexpected financial hardship due to a family emergency, which required me to take time off from work and incur additional expenses. 

Unfortunately, this situation made it impossible for me to make my payment on time. I was unable to secure additional funds through credit or loans, and my limited financial resources were focused on covering basic necessities and medical bills. 

However, I have since regained my financial stability and have made consistent payments, keeping my balance up to date. I have taken steps to improve my financial situation, including seeking additional sources of income and creating a budget plan to manage my expenses effectively. 

I understand the importance of maintaining a good credit score and take my financial responsibilities seriously. I hope that you can take this into consideration and remove the late payment from my credit report. 

Thank you for your time and attention in this matter. If you require any further information, please do not hesitate to contact me at XXXX  I appreciate your assistance in the removal of this 30 day late payment by XXXX in XXXX XXXX XXXX 

Sincerely, XXXX XXXX ) They did not respond to me at all. I had to call the company for them to tell me that they will not remove the 30 day late report to the creditors. Please help me to remove the 30 day late mark on my credit report. 

Thank you
Product: Debt collection

I was contacted via mail by Credit Control LLC XX/XX/2021 for payment of an alleged debt. I immediately responded via certified mail asking for them to validate the debt not just by the collection agency standards but in accordance with the FCRA, section 609 ( a ) ( 1 ) ( A ) original documentation & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and 611 ( 5 ) ( A ) they were required to promptly delete all information which can not be verified and they have failed to do so properly but refuse to remove the debt from my credit report, which is illegal and a form of defamation. I've sent them several letters since then asking for proper validation and they only responded once saying the same thing they said in the first letter and sending me blank pages. It has been over 90 days since they have responded to me and according to the FCRA they have 30 days to validate my debt. I never signed any contracts and this is a direct violation of my rights! They have ignored my cease and desist and have demonstrated negligent noncompliance and committed several other FDCPA violations. I've also requested Proof of their right to own/collect this debt, license proof to collect debt in my state, verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor and a printed list guidelines to the FDCPA 15 U.S.C 1692. They have yet to respond to me. I've sent letters every month since XX/XX/2021 and the last letter I received from them was dated XXXX XXXX, they have yet to properly validate the debt or to even respond to me which is technically omission by silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not take out a credit card with Synchrony bank nor have I lived in Indiana, this is fraud.
Product: Mortgage

On XX/XX/XXXX, I received a notice from JP Morgan Chase, threatening to purchase condo insurance coverage, at my expense, as they stated they lacked proof of my own coverage. I immediately called to rectify the situation and was told by a Chase representative that, " this was our mistake '', " not to worry about it '' and " the situation has been corrected ''. They also advised that, while proof of the XXXX XXXX 's master policy was not required, it was still recommended that I submit proof of coverage. The following day, I contacted the association 's insurance agency and requested proof of coverage be provided. They forwarded a copy of the policy to Chase via email and I received an email from Chase to confirm the documents had been received. They promised to review and confirm but I never received a response. On XX/XX/XXXX, I received a second threatening notice from Chase, stating the same lack of proof of insurance and again threatened to purchase coverage at my expense. I visited their web site to try and upload copies of both my own personal coverage plus the XXXX XXXX 's master policy and found that both current, unexpired policies were already on the web site. I would look you to investigate this unfair and abuse practice and request an immediate cease and desist from any further threats against me. Thanks.
Product: Student loan

Consistently tried to get a Income Redriven payment plan. But was not allowed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two unverified accounts that I have already file a complaint about the inaccurately. 
XXXX XXXX XXXX, XXXX XXXX XXXX. I have some issues also with inquires that are not mine Please delete : XXXX XXXX XXXX, XXXXXXXX XXXX  via XXXX, XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX via XXXX.
Product: Credit card or prepaid card

On XX/XX/2020, I identified a number of fraudulent charges on my account, and immediately notified the Bank of this. I was in the belief that I had successfully submitted a claim for these items. However, the Bank 's agent failed to complete the process. I was therefore forced to initiate the claim a second time. A number of the Bank 's communications were flawed and confusing. Given all this, I have concerns about the timely and fair resolution of my claim. I have attached a letter that goes into much more detail on these matters.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX My name is XXXX XXXX and my account was limited {$420.00} I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money. I haven't received any emails. I tried withdrawing funds and it will not allow it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts arent mine, I never Authorized those Accounts to be opened. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Two banks CITI and XXXX XXXX XXXX are now saying they will stop doing business and extending credit with business and maybe in the future people who are involved in the gun industry and rights.

These activities are legal under law and the banks are using their power to dictate what happens in the US shutting out business and people who they disagree with then controlling the public. 

This tactic in the future could be used against anything they disagree with or want to control or sway in the country. 

This situation sounds highly worrisome.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently pulled my reports after you verified the account XXXX XXXX XXXX XXXX XXXX as accurate and noticed you are still reporting inaccurate information. The " date of last payment '' is reporting as XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, and XX/XX/XXXX for Transunion. This date would change the statue of limitations for this account which would mean the account would come off at different times. Since information is not accurate, this means the account has not been properly verified. Please delete this account immediately
Product: Money transfer, virtual currency, or money service

I submitted multiple wire transfers to scammers account numbers at banks in US
Product: Student loan

Student loans were consolidated with XXXX XXXX, at which time a graduate payment schedule was set up. The servicing of the loans was transferred to XXXX XXXX and then to AES ( current servicer ). AES 're-disclosed ' ( AES term ) my loans, which changed the originally agreed payment schedule. This change made by AES ultimately extends the term period and charges more interest than agreed with XXXX XXXX. On XX/XX/2017, I contacted AES and filed a compliant, explaining that this is a violation of UDAAP and possibly Reg Z. I was told I would hear back in XXXX business days. On XX/XX/XXXX, I received no correspondence from AES so I placed another call. I spoke with XXXX different levels of Customer Service Rep. and they all told me there was nothing they could do, because their system was unable to accommodate the initial payment schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student Loans are current and in good standing with XXXX  XXXX XXXX, however my Experian report shows the same accounts as delinquent. This is False, I contacted US DEPARTMENT OF EDUCATION/XXXX  on XX/XX/20 and they said the correct information was submitted to Experian on XX/XX/20 showing the accounts are paid in full and not 180 days past due as it is being falsely reported by Experian. Experian has failed to update my credit report with the accurate information after US DEPARTMENT OF EDUCATION/XXXX has already submitted the accurate information to them. 

As a result this has hindered me from obtaining new credit, purchasing a home, business expansion as well as unwarranted stress having to deal with having negative credit which is in turn causing me to seek professional help for calmness as I feel emotionally distressed & powerless over my own credit report.
Product: Checking or savings account

On XX/XX/XXXX ask for my debit card limit to be taken up only to purchase furniture for XXXX  only for my XXXX  transactions to keep being declined because someone had my card information and was using it unauthorized they used my card information in a XXXX XXXX store and purchased something for XXXX i did not authorized i called the bank to try to stop but unfourtunley they told me i had to wait for the transaction to post before they can help me and file a fraud claim, the transaction posted on XX/XX/XXXX its was assigned and denied on XX/XX/XXXX without a proper investigation the card was canceled at the time but whom ever had my information was trying this same tranaction at another XXXX XXXX in another state not knowing my card was canceled i want my money back i didnt authorize transaction
Product: Vehicle loan or lease

Santander Consumer USA is practicing unfair   auto loans, interest is added to your loan daily which is NOT on your loan contract. Santander als o cons their customers into making their payment turn out to be late despite being made on time by taking extra long during their processing. All  XXXX  of my car payment have all been applied towards interest only. My auto loan has decreased a total of {$50.00} in 3 years! Please help do something about this company! I am begging! I have paid almost {$14000.00} on this loan and I am currently {$12000. 00} upside  down! I am unable to trade in the car to get a new car now that my credit is great. Please help me get this rectified so that my principal balance is lowered and I am able to get out of this horrible situation!