23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays date is : XX/XX/XXXX Regarding Account : CERTIFIED MAIL RETURN RECEIPT REQUESTED Dear Sir or Madam, After obtaining my credit report, I noticed that it shows late payments on the above account with your company. This has damaged my XXXX XXXX and is extremely troubling. 


Account Name : Account Number : XXXX XXXX XXXX : KIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware and understand that it is required by law that your company must take proper care in ensuring the accuracy of this information with my account ; adhering to this of the utmost. 

You are required to send my statements or bills to my correct address, take care to respond to my change of address requests and accurately record my payments in a timely fashion. 
Also, make sure late fees are accessed properly. 
In this regard, I hereby request the following steps to remedy this situation. 

To ensure compliance with all provisions of the Fair Credit Billing Act, please send me a notarized statement attesting that you have complied with this act regarding my account. 
Im requiring written evidence for all the payment you claim that I was late according to my obligations with your company.

Im seeking written evidence of timely billing and the posting of all payments I made on this account, regardless to whether you claim they were late from the time this account was opened to this present date. 

If you are not able to provide me this evidence that I am legally entitled to have in writing, I affirm that you please delete all negative references of these late payments entries by your company on all CRA as they were submitted e.g. XXXX, XXXX and XXXX, and any others. 

If I have not received this itemized documentation within the period prescribed by law, I will expect to receive written notification that you have deleted all late entries that Ive disputed off my credit report. 

Im thanking you in advance for attending to my requests promptly To verify my Identity and my address, I am enclosing copies of identifying documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

False reporting was not made by me below XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

You obtained my credit report from XXXX XXXX XXXX on XX/XX/XXXX and the inquiry was coded as if I had applied for credit, insurance, housing, etc. You also failed to respond to my request for your permissible purpose which you received on XX/XX/XXXX. I can only assume now that you had no permissible purpose. As your legal department knows, civil liability in this matter is {$1000.00} in damages. I am offering to settle this matter as follows : Permanently delete the inquiry, or overnight me a cashier 's check for {$1000.00}. I will give you 20 days to make a decision. 

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

I have disputed this credit several times because the creditor keep re-aging the debt. The first date of delinquency was XX/XX/2015. The automobile was returned to the creditor in a XXXX XXXX XXXX  filed XX/XX/2015 by the joint borrower. The creditor placed a repossession on my credit file at that time and has been re-aging the debt and reporting the loan as an open delinquent account. The credit bureau after disputing the inaccuracies of this creditor states they have validated the information with this creditor which is impossible if the account was first delinquent a XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please produce the contract used to verify these accounts because I have none with them and the information you have is inaccurate. Additionally, I called the furnishers and they don't have any proof the accounts belong to me. They realized they reported the wrong information to my file and agreed to remove it. Please remove them instantly! 

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

The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to XXXX  XXXX XXXX XXXX XXXX The following inquiries are not mine reporting to XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to XXXX  and Experian XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX The following accounts are not mine and reporting to Experian and XXXX  XXXX XXXX  XXXX   {$950.00} XXXX  XXXX  XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}
Product: Credit reporting or other personal consumer reports

I called the company in XXXX in order to enter into a payment plan to avoid a charge off. I was provided incorrect information and the account was charged off. After many attempts the company refused to resolve the issue and reported it incorrectly. The debt was then sold to third parties who referred me to XXXX XXXX for the XXXX and XXXX XXXX stated that i need to reach out to the third parties. I have spent years attempting to get this resolved. I have paid in full. The company refuses to acknowledge their mistake. XXXX also erroneously responded to a previous CFPB complaint regarding the same issue stating their information was correct. The XX/XX/XXXX letter confirms the allegation in question was correct and XXXX XXXX once again provided incorrect information to myself and the CFPB. 

On XX/XX/XXXX I received a letter stating that they acknowledge that I was not provided accurate information and offered me {$35.00}. I filed a claim for more and was again given the run around. At first my claim was ignored, then I was told I was approved for additional compensation, then I was told that was incorrect. I followed up repeatedly to understand why my claim was denied and I have been ignored.
Product: Credit reporting or other personal consumer reports

World acceptance is listing a charge off on my XXXX report with a balance. I never received a copy of the 1099C.
Product: Payday loan, title loan, personal loan, or advance loan

so i contacted explore credit multiple times and was eventually to get {$100.00} payment for XXXX pay periods jsut to the original payday loan but then they went back on their words and said it was actually XXXX every XXXX weeks for a year and i dont have that money nor can i pay in full with the XXXX  % interest
Product: Credit card or prepaid card

I opened a paypal account back in early XXXX to purchase and retrieve goods online. However, somewhere down the line that paypal account turned into a SYNCB/PAYPAL Credit Card account without my knowledge until I received a credit card in the mail that stated paypal. Long story short all of my transactions appeared to be not coming out of my bank account attached to my paypal account anymore nut towards this card. For a few years I just paid the card account off until one day when trying to log into to pay my bill it stated that I was locked out because I had a huge balance. I called paypal and made a payment but when I tried to get back into the account I still couldn't so I called them and they stated that the payment I made was to the credit card not to my actual paypal account debt which was confusing to me. After like almost 2 hours of back and fourth with several representatives I gave up. Then I started receiving letters with a bill and then one stating that my account had been closed to further purchases until I paid off the balance. Continuously making payments monthly I looked at my credit report and I saw that there was a SYNCB/PAYPAL Credit Card account on it but the account stated that it was closed. However, daily like 4 to 5 times a day I would get calls from them about the debt and I would make minimum payments to keep down the calls until I noticed that they wasn't even reporting it to the credit agencies correctly. I noticed that they would never allow the late payments to go past 90-120 days of me missing payments even if I did ( this was in order to ensure it never gets charged off ). So I called them and asked them about my payments once again the run around stating I had 2 accounts one a normal paypal and a charge card and I still don't understand that. However, when a friend of mine told me about a consumer enforcement that I should have been included on I did some research and I saw that I was enrolled into this additional account which should be cleared. XX/XX/XXXX I received a settlement offer letter from them stating that if I pay a sum of about {$350.00} dollars or somewhere around that figure they would clear the rest and report the account as paid on my credit report. Here it is XX/XX/XXXX and the full balance is still showing unpaid on my credit report and consistently being reported as late to the credit agencies and Paypal still has this account locked to where I cant access it to see anything.
Product: Checking or savings account

I checked my account yesterday and it was active and online. Today, we closed on the sale of several properties. Wires were scheduled to go into the account. I checked the account just now for the wire transfers and instead, CHASE CLOSED my account automatically last night - WITHOUT any notice! I called and spent close to FOUR hours on the phone ; mostly on hold, then passed around, then more hold. Finally, after escalating the call, I was told the computer automatically closed my account due to inactivity and they could not re-open it. They stated it was impossible. I asked to speak to a supervisor and was told he does NOT take calls! He can schedule a call back but they can not schedule a call... .he will just call any time at his convenience. I was told I could drive to a branch with no guarantees. I wanted the supervisor to call the branch to see if the account can be correct6ed BBEFORE I take the afternoon off of work!!! And drive over an hour to my branch ( in the midst of COVID ). Anything done inside a branch should be able to be done without contact!!! The supervisor should be willing to call the branch and request them to re-open the account. I used tow phones all day to get help and ZERO. One phone still has close to 2 HOURS of wait time and STILL on HOLD. Wires are NOW being sent to WHERE... they are already in transit!!!! I want this account re-opened immediately. I have been a customer for over 30 years ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Child Support Enforcement : Account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request verification of this debt. I previously sent a written request for validation, including a request for a wet signature, which was received by your office on XX/XX/XXXX. However, to date, I have not received the requested validation. Furthermore, I believe that your failure to provide the requested validation constitutes a violation of the FCRA. The FCRA requires that consumer reporting agencies, such as XXXX, follow reasonable procedures to ensure the accuracy of the information they report. By failing to provide validation of the debt, Trans Union, XXXX is not meeting this requirement. Please be advised that I am requesting the following information as part of the debt validation process : Verification of the debt, including the original creditor, account number, and date of the debt. Proof of your authority to collect this debt. A complete payment history, including the original balance, any interest or fees added, and all payments made. A copy of the original signed contract or agreement related to this debt. I request that you provide this information to me within 30 days of receipt of this letter. If you are unable to provide the requested information, I request that you remove the disputed item from my credit report in accordance with the FCRA. This is hindering my life progress
Product: Debt collection

UPSTART NETWORK. 
XXXX XXXX  Formal Dispute of Charge-Off Account Reporting Associated with Account Number [ Account Number ] Dear [ Credit Reporting Agency/Creditor Name ] , I am writing to formally dispute the reporting of the charge-off account associated with [ Account Number ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), I am entitled to request and receive complete and accurate documentation to verify the accuracy and legality of this accounts reporting. 
Additionally, under [ Your State ] law, I am requesting proper validation of this debt. 
To properly validate this account, I am requesting the following : 1. Authenticated Double-Entry Accounting Records : I am requesting full double-entry accounting records for the account mentioned. This should include a detailed breakdown that shows how all transactions were debited and credited, ensuring compliance with standard accounting principles. Please note that I do not wish to receive a simple list of charges or statements. I expect authenticated evidence of the debt.

2. Authenticated Evidence Based on [ Your State ] Law : In addition to the accounting records, I require authenticated evidence, in compliance with [ Your State ] debt collection laws, that you have the legal right to report and collect this debt. This includes original signed contracts or agreements that show my obligation to pay the debt and your legal right to enforce collection and report it to credit bureaus.

Without this evidence, the continued reporting of this debt may constitute a violation of both federal and state consumer protection laws.

3. 1099-C Form : If this debt has been forgiven, canceled, or settled for less than the full balance, I am requesting a copy of the 1099-C form filed with the IRS, which is required if the amount of canceled debt exceeds {$600.00}. If you have not provided this documentation, the debt may be considered discharged, and it should no longer be reported as owed on my credit report. 
In the absence of the requested documentation and verifiable evidence, I request that you immediately delete this account from my credit report in compliance with the FCRA and [ Your State ] state law. Failure to do so will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies to enforce my rights, and submitting a Suspicious Activity Report ( SAR ) to the IRS for suspicion of fraud.

The SAR ( FinCEN Form 111 ) will be filed if you continue reporting inaccurate and unverified information without providing the required documentation. 
Please respond within 30 days of receipt of this letter. I look forward to receiving the required
Product: Student loan

studentaid.gov I submitted two forms for certifiying my TEACH Grant through them. I uploaded them on the exact website that customer support keeps giving me. ( https : //studentaid.gov/status-center/upload-tool ) The forms continued to magically disappear after I submitted them despite me getting e-mail confirmations that the website received them. I submitted a feedback case ( # XXXX ) asking for assistance with this on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I followed up on the website by entering messages on the case itself and never received a response. 

I've tried chatting with them numerous times on their website and continue to get the run around so I decided to just resubmit my forms and this time they actually stayed. However, they have been " in review '' since XX/XX/XXXX. I've attempted phone calls ( which I get left on hold for hours or hung up on or told to call someone else ). I've attempted chats ( where I get the run around and they just copy and paste information from their website that doesn't answer my questions ). I asked for a log of my chats and where to find them. Apparently they don't allow us borrowers access to that and only they can see them so I can't even provide proof except for the one time I saved it before she ended the chat ( XX/XX/XXXX ). 

If they don't approve my certification forms by the required date, they will convert them into direct loans + interest DESPITE the fact that I have completed my portion of the agreement I signed with them to receive the TEACH grant in the first place. It is not acceptable for them to not hold up their end of the LEGAL agreement but require me to. Especially since I did hold up my end. I submitted a second complaint on XX/XX/XXXX ( # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these line items however, I have not been successful.
Product: Checking or savings account

I deposited money into my Marcus account starting XX/XX/XXXX. On XX/XX/XXXX, I received voicemail asking for me to call Marcus. I called Marcus that day and was told that because Marcus could not verify my ownership of the account from which the deposited funds were sent, Marcus was going to reverse the transfer within a week. By XX/XX/XXXX, I noticed that my deposits were not reversed and so I called Marcus only to find out that my Marcus account was frozen. The Marcus agents I spoke with could not tell me why my account was frozen and they were unable to send passcodes to my registered phone number on my account to verify my identity. I called again on the XXXX and was told that someone would reach out to me within XXXX business days to fix the issue. No one has reached out to me and so I called today on the XXXX and was told that someone would reach out to me within XXXX business days. This issue has caused a lot of stress given that a majority of my funds are in this account. I would appreciate your assistance in resolving this problem as quickly as possible.