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

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XXXX/XXXX/XXXX  Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. After reviewing my credit report, I have noticed that these accounts have violated several laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts are listed on my credit report with inaccurate information and/or have violated consumer protection laws : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Account Please note that the following violations have occurred : FCRA violation : The information reported on the credit report is inaccurate and does not reflect the true status of the account. 
FDCPA violation : The debt collection agencies did not follow the proper debt collection procedures and harassed me. 
FACTACT violation : The information provided is not accurate, complete, or up-to-date. 
TILA violation : The lenders did not provide me with proper disclosures and/or charged me fees that were not properly disclosed.

RESPA violation : The lenders did not provide me with proper disclosures about mortgage loans.

ECOA violation : The lenders have discriminated against me based on my race, gender, and/or national origin.

FCBA violation : The creditors did not properly handle billing errors and disputes.

I demand that these accounts be immediately removed from my credit report and that any negative remarks or late payments be corrected. I also demand that any debt collection agencies that have violated the FDCPA be reported to the proper authorities.

I am emotionally distressed by the impact these inaccuracies have had on my credit score and financial well-being. It is unfair that these violations have occurred and I expect prompt action to be taken to resolve these issues. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been a victim of identity theft and current bank and XXXX XXXX refuse to reimburse my money even though I have a police report and have sent them all the information
Product: Checking or savings account

In XX/XX/year>, I received XXXX attempts back to back to steal money from my account. The first about was in {$300.00}, the second was in the amount of {$3200.00}. 

Capital One rejected the second claim for {$3200.00} as fraud. They honored the {$300.00}, and stole the money from my account. 

I have been battling them since this occurred. Capital One gave me a temporary credit for the {$300.00}, then on XX/XX/XXXX, they took the funds. 

I have filed appeals. I have provided them information from the XXXX ( Maryland ) XXXX Police Department showing them I am a victim of a crime. 

I went to XXXX XXXX office. They are liars. All of them. They play with peoples money, steal and then force people to fight them outside of Capital One. 

I believe XXXX XXXX is involved in money laundering and other criminal activities based on the treatment I have received. 

I was denied any rights to cancel an unknown subscription as required by the FTC. I want XXXX XXXX held accountable too. He used his power to hurt a XXXX man. Hes a real scumbag
Product: Credit reporting or other personal consumer reports

I have two late payments reporting that shouldnt be reporting according to 15 USC 1681 A ( 2 ) ( I ) which stats the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; MY TRANSACTIONS are my payment history therefore the accounts shouldn't be reporting late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX MOBILE, AL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX typeSingle family XXXX HERITAGE XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info XXXX have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX 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

am a victim of XXXX. The information listed below, which appears on my Transunion credit report, is the result of that XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have disputed accounts with XXXX, Equifax and XXXX. Accounts XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have reported on my credit report. I have requested documentation from all companies listed above including all credit agencies. 

What was requested : Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX has never responded but credit agencies reposed as validated and never supplied proof which was requested. 

XXXX is now being sued by me in regards HIPPA violation and still reporting as valid with no proof from credit agencies. 

XXXX XXXX XXXX never responded to the original letter and should have been removed after 30 days of no response. Credit agencies still report as vaild without validation. 

XXXX XXXX has not been validated there has never been any business conducted with myself or this company and has not been validated but still reported as valid. 

The credit reporting agencies have ignored my request and have not supplied any supporting documentation that these accounts are valid.
Product: Credit card

I got a Care Credit card at my children 's dentist office, we were told that we had a certain time to pay off and if it was n't paid off in a certain time then we would have to start paying interest. I ended up using the card again for other medical bills, and later found out that the money I was paying was going toward the most recent transaction instead of the oldest, so I started getting billed interest. So now I was paying on bills and interest that I should have never had to pay. I actually called a few times and customer service put my payments on the old transactions for me and actually told me that was what I would need to do in order to have my payments go toward the right transactions. And I actually found out that I was still paying on a bill for XXXX years ago that should have been paid off long before now. So basically since this company is making sure that it can charge interest from its customers even if they are never late and pay over the minimum payment. I also found out today that I was charged {$700.00} interest. When I called they said that it was deferred interest, but when I signed up for the card I was told that interest would be deferred for however long depending on the transaction amount and if it was n't paid off THEN I would have to start paying interest, not pay all the back interest. When I looked up the deferred interest time for my last bill for last summer that I am being charged {$700.00} interest on, it says that transactions {$2500.00} and over have a XXXX month deferment period, and I had at least a {$2500.00} bill, so why did I only get XXXX months? And now I wonder if all my bills were given less time then they say. Their bills do not break down every transaction you 've made so that you can see which transactions you are being charged interest on, just the most recent and a total of the rest. I have been misinformed, scammed, lied to, cheated. This company makes it impossible to even pay back anything on time if you have used the card on more than XXXX bill. Had I known how this company worked I would 've never gotten this card to help with medical bills! I got this card to help pay medical, dental, and optical bills for me and my children and to not have to worry how we are going to pay all of this, and now somehow I am paying XXXX and XXXX times as much because of the way this company is handling the billing. They get you to get their card and then make it impossible to pay it off without interest being charged.
Product: Debt collection

Two weeks ago, family members began telling me that they were receiving odd messages on their home answering machines concerning me. Some of them were threatening legal action and demanding a return call and many answered calls continued even though this company was told that I could not be reached at their numbers. These are the first of many collection violations under the FDCPA, FCRA, and Texas Finance Code. There are even FTC violations occurring as well. My family members have saved and given me every single voicemail that was left by this agency and one particularly resourceful person was able to record a threatening telephone conversation between themselves and an agent of this company. This company made claims of a civil case being processed against me, however, a good friend works in the city office and assured me this is not the case. This is a common harassment technique used by unethical debt collectors. Yet again, another violation of numerous debt collection governing agency laws. 

I looked up the contact information for this company and sent them a cease and desist notice and a debt validation request, as I was unaware of what this company wanted me with. These letters were sent by certified mail and delivered on XX/XX/2018. This company has persisted with collections and has now even reported to XXXX and XXXX credit bureaus without validating the debt, which is now yet another violation to add to a long list of actions that are for liable for damages under numerous governing agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was signed for by someone else in XXXX. I was given keys to property even though my signature, nor lender, nor sellers signature appears do not appear on the final paperwork. I was unaware it was never completed until XXXX. I have tried many times to resolve with OCWEN. But they are not who had the original debt, they acquired it. 

I have been victim of ID theft more than 3 times since age XXXX. I have filed police reports and attempted to fix credit reports over the years. I have lost my wallet and/or ID twice this year alone. 
I filed paperwork with FTC recently when found out about new laws. Sent required papers to company for them to contact original debt holders ; where they obtained the information regarding the original debt per the law and instead they sent me papers asking for a copy of my signed social security card, and an notarized affidavit. Additionally they requested that I not send the form to the FTC or any governmental agency. 

Also I filed bankruptcy to try to get them to stop putting this erroneous info on my reports. They sent me information saying I had no personal liability if I filed bankruptcy. However, they still try and collect a debt that has NEVER been mine and that has ruined my credit!
Product: Debt collection

My name is XXXX XXXX, i've banked with Citibank for countless years. I've spent several weeks and countless hours trying to get to the bottom of the account this complaint is in reference to, the account number is XXXX. The account is a closed credit card opened XX/XX/XXXX and last active XX/XX/XXXX. I have received not one piece of mail regarding a remaining balance on this account and had no idea it was effecting my credit until I recently went to get a mortgage and a loan officer discovered it. It has been near impossible to get a hold of the department managing and collecting the debt. After several hours of phone calls on different days, I've finally gotten a hold of someone and they are essentially telling me they're unable to deliver any information on the account to me in writing. I've sent them a money order check for {$330.00} because that's what my credit report stated and now they're telling me it's short XXXX cents. 1. i never received in the past several years one piece of mail regarding this debt and what the balance is. 2. i mailed in a check for the amount listed on the credit report and they are now telling me over the phone that there is a XXXX cent balance remaining and I have to mail in another check to pay the balance - there is no other option. 3. they will not provide me with a written statement with the account information. I feel powerless and a slave to the bank and unable to resolve an issue that in hindering my ability to get a mortgage loan. All I want is a statement from the debt collector expressing who is collecting and the amount. I am been exercising every possible method I can to accomplish this and am completely frustrated and powerless. This is a bank that has my money and is effecting my credit score. The ID number of the individual that has attempted to help me is # XXXX.
Product: Checking or savings account

I've only been a customer for citibank for relatively less than a month. They closed my checking account due to alleged fraud '' although there hasnt been any fraud since the account has barely been used. Citibank won't let me know the reasoning behind the closure as well as if I can withdraw my funds and have access to my account. Everytime i call the customer service number im read a pre automated message from a customer service representative and then told that there isn't anything further they can discuss and will disconnect the call. The unprofessionalism and unknowledgement with this company is atrocious. I as a customer should know the reasoning behind my funds being on hold and me not having access to them as well as to why my account is pending closure and the fact that it will take 30-60 days to gain access to those funds again. I have bills to pay I want my money BEFORE 30-60 days!!
Product: Debt collection

I received a letter dated XX/XX/ from " Spire Recovery Solutions '' stating that they are trying to collect a debt that I owe to " XXXX XXXX XXXX XXXX '' in the amount of {$1900.00}. 

I have never heard of " XXXX XXXX XXXX XXXX ''. I have had no contact with that company, and have never taken out a loan or debt with them. 

I have taken action to formally dispute the debt with Spire Recovery Solutions. I submitted my dispute through their website at " https : //spiresupport.freshdesk.com/support/tickets/new '' and I have mailed my formal dispute to them. 

So far I have not received resolution to this fraud claim. 

I also had credit freezes in place with XXXX, XXXX, and XXXX. I have placed a fraud alert with all 3 agencies to try and help prevent against similar cases of fraud like this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to Experian disputing inaccurate items on my credit report and so far I have been getting ignored by the company.
Product: Student loan

Hello : I am in the XXXX program for my student loans via XXXX. I have worked for the same employer ( a local government ) for 8+ years now while in this program. This year XXXX has been unable to accurately service my loans. It's been three months and they keep failing to properly process my Employment Certification Form and send me erroneous, misleading, information. The first letter they sent XX/XX/22 showed the same number of qualifying payments as the previous year, alarmingly pushing back my estimated forgiveness date, despite them being in receipt of a completed form at that time. They obviously didn't process the form and decided to send out wrong information and create confusion. I called their customer support and waited an absurd amount of time to only be told by an agent that they could clearly see it was a mistake, but all they could do is make a note in my file to process the form correctly. Ok, I give benefit of the doubt, wait.. Now, they send correspondence on XX/XX/22 that says my XXXX form is incomplete and can't be processed! This is patently false, as I can retrieve the file I uploaded to their website still in the outbox and see that the items they are claiming aren't filed out are indeed completed! They said I need to contact them AGAIN! As I write this I am on hold for an hour already still trying to get a simple form processed correctly. This is insanity! I feel completely abandoned by XXXX and they are clearly unable to do this work anymore. This XXXX program feels predatory now like my own servicer is sabotaging me when I've done everything right and am almost at 10 years. PLEASE HELP.