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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 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 Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 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 Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service XXXX XXXX XXXX  This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.
Product: Payday loan, title loan, or personal loan

I am unable to pay back payday loan due to unfornate accident would like withdrawal from checking to stop in fact interest amount is ursury and illegal in my state and compensate see attached documentation for more details
Product: Debt collection

I received a phone call at work fro m McCarthy Burgess and Wolf  (  XXXX  ). They stated that I owed {$300.00} to  XXXX  resorts for a trip on  XXXX   XXXX . They stated I stayed at  XXXX   XXXX  on that night. I stayed at  XXXX   XXXX  for  5  nights in  XXXX . I did not book through  XXXX . I called the resort, and they said I do not owe any money. This is a scam.
Product: Credit reporting 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 violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 mailed MOV letters on XX/XX/XXXX Sent failure to respond letters on XX/XX/XXXX Sent 611 letters on XX/XX/XXXX Sent another round of MOV letters on XX/XX/XXXX just to be sure These letters were all pertaining to my bankruptcy record on my credit report. The bureaus have 15 days to respond showing how they verified bankruptcy, and did not respond either time. 

I sent each of these type of letters to ALL THREE BUREAUS. I have only attached those for XXXX to avoid redundancy.
Product: Student loan

I applied for the SAVE plan on XX/XX/XXXX. The StudentAid website showed that it was processed on XX/XX/XXXX. Several days pass, and I call Nelnet. I have to wait for over two hours before someone answers the phone and says it should take less than 30 days for my application to be approved. It is now XX/XX/XXXX, and I am still not on the SAVE plan. I want to be put on the SAVE plan immediately, or at the very least, an accurate estimated time of when I will be put on the SAVE plan. Nelnet has also failed to send me email updates every ten days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/EQUITY PRIME MORTG Account Number : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX XXXX/XXXX Account Number : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX XXXX Account Number : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the consumer reporting agencies to make sure everything in my report was complete and accurate to 15 USC 1681i ( 5 ). I waited over 30 days and noticed everything was the same. The consumer reporting agencies XXXX XXXX Experian did not accurately investigate. Dates open is not correct m, dates last active are incorrect on all XXXX reports as well as date of last payment. Which is a violation. This is impacting me from buying a home. 


Account Name XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

SYNCB XXXX, inquiry on XX/XX/year>2023 has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A. Section 2 : it also states a credit 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 may make any consumer report containing any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reason to believe that the information is inaccurate. Please help me.
Product: Money transfer, virtual currency, or money service

I purchased from XXXX money orders for the amount of {$100.00} weekly for 4 months starting in XXXX XXXX through to mid XXXX for rent/savings at the halfway house I was staying in XXXX When I graduated and moved out I had XXXX {$100.00} money orders remaining. On XX/XX/XXXX I went to XXXX to cash them in and was only able to cash XXXX. I was given receipts denying my attemps to cash the XXXX remaining money orders. When I called the # given on the receipt the automated service gave me several reasons why I could not cash them in. First being, Lost or stolen, or counterfeit, or the date money order was purchased and date I tried to cash too long. No where on the money order or receipt states that there is an expiration date for my money order. At most XXXX to 4 months old when i just attempted to cash these in. When I finally spoke to a human I was told I had to request a refund and fill out a refund request form for each money order and would be charged {$15.00} for each refund request totaling {$45.00}. I believe I am being defrauded! I should still be able to cash these money orders. The persons I spoke to and the automated prompt confirmed when i typed in money order # ( when checking the status ) of the money order plainly stated/confirmed to me that the money orders where still valid and uncashed. I should not be swindled out of {$15.00} for each money order that are only a few months old. I should be able to cash in for total value and avoid the insulting fee and fraudulent attempt to take my hard earned money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX account Acct XXXX XXXXXXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Attached is also the dispute filing in XXXX. This is my 2nd request asking for the 1099c and providing proof of the that this is incorrect. Attached is proof that there is a balance still showing on my credit report and this account was suppose to be deleted per a final decision made by XXXX XXXX XXXXXX/XX/year>. It has not been deleted and still shows on all three bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative.
Product: Vehicle loan or lease

Dear Consumer Finance Protection Bureau, My name is XXXX XXXX and I am filing this Complaint with your department a copy of the same was sent to FBI team and Federal AG XXXX XXXX XXXX Office also regarding the disasters done by Fifth Third Bank by not following the FBI Complaint that was filed on XXXX XXXX regarding the XXXX XXXX XXXX relief money that was delayed for 12 months and caused the financial burdens for me. I also sent the copy of the FBI Complaint to the XXXX and told them to put the account on hold as the delay occurred from the XXXX  XXXX XXXX department side and was not my fault. I have sent the regular loan payments from XX/XX/XXXX till XX/XX/XXXX and then had to stop the payment as I waited for the XXXX  XXXX relief money which I filed a complaint to the FBI after the delay caused. I have sent correspondences, phone calls and relevant documents which I will attach after filing this Complaint. The phone calls from XXXX team made me get XXXX XXXX and I was in Emergency with XXXX XXXX on XXXX XXXX and that's when I filed the FBI Complaint after coming from the Emergency. Inspite of me sending them the FBI Complaint on XXXX XXXX, they sent me a default letter on XXXX XXXX for which I corresponded asking them to put the account on hold until I receive the XXXX  XXXX relief money. They did not heed to my request and then they towed my car from the parking lot and my car went missing and I called XXXX and spoke to police department who said the car was repossessed. I then sent a letter to XXXX asking to return my car else I will take action on XXXX XXXX. They sent me a letter on XXXX XXXX that they have repossessed the car. I sent the documents to the XXXX XXXX XXXX asking for {$200000.00} plus the value of my car {$39000.00} and the interest I paid from XXXX till XX/XX/XXXX for causing me XXXX XXXX  and bodily injury along with not following the FBI Complaint of XXXX XXXX and wait for the resolution of XXXX  XXXX relief Orders from the FBI. Now I am without car for 58 days and renting and spent more than {$5000.00} in renting the Cars and taking XXXX to travel. Can you please get me back all these money as equitable relief for the damages done by XXXX so I can buy a new Car immediately. I am moving to XXXX and packed all the items for the move and put the US Mails on hold. Can you please call and email me only and send me the relief? Thank you so much for all your efforts in this matter and getting me the relief money after validating the XXXX  XXXX relief application, 3 months of Calls I made to XXXX XXXX team, FBI Complaint, Emergency visit and prompt loan payments till XX/XX/XXXX and my credit  score of XXXX sending in the attachments. 
Best Regards, XXXX XXXX XXXX
Product: Credit card

My XXXX XXXX payment was applied by XXXX XXXX on XX/XX/2024, which is XXXX days ahead of schedule. However, on XX/XX/2024, which is the due date, I was billed a {$30.00} late fee. I've attached documentation. I want the late fee to be immediately removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX, has violated my rights by reporting its fraudulent account to XXXX, Transunion and XXXX credit bureaus. I have no open accounts with XXXX, nor have I ever done business with XXXX or any business it XXXX XXXXepresent. I have had no communications with XXXX before its reporting of said fraudulent account. This is a snapshot of what was reported. 

XXXX XXXX XXXX Last reported XX/XX/2023 {$2300.00} Open XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX has violated my rights under these codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX - BALANCE {$470.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Mortgage

In XXXX 2015, I had water damage to my condominium from a ruptured sprinkler pipe in a neighboring unit. We began to repair our home during the spring and summer out-of-pocket before we got our insurance settlement in order to expedite our return home. In total, our repair costs were approximately {$40000.00} This loss was ultimately covered, in significant part, by my insurance settlement. I received {$33000.00} from my insurance carrier, which I remitted to my mortgage holder as loss payee as soon as it was received in XXXX, 2015. 

My mortgage company has been holding onto this money without a legal right to do so. Our mortgage agreement allows them to " hold such insurance proceeds until the lender has the opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction. '' They conducted this inspection on XXXX XXXX, 2015, and both the inspector and customer service department indicates that the work has been completed to their satisfaction. 

Nevertheless, they continue to hold onto these insurance proceeds, creating a financial hardship for me and my wife who had to repair our home without the benefit of having insurance. Meanwhile, the mortgage holder is profiting from the float. 

When I call their " loss draft department '' they come up with novel things that I have to do, including, most recently, that I have to write them a handwritten letter recapping what I sent is a series of other letters. None of this is allowed in the mortgage agreement. 

This is a classic example of consumer fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX XXXX for a XXXX XXXX XXXX. Throughout the entirety of the loan i made all payments on time. The last payment to be sent in to XXXX XXXX Bank would have been from the dealership. Since I traded it in to XXXX XXXX of XXXX. I have asked the bank repeatedly to fix the one late payment and they have refused. They also show the account as closed and not payed as agreed. I am being held responsible for the mistake of the Dealership. And the loan showing as a closed vs a Paid as Agreed account is really affecting my credit score. 
I have also recently contacted the bank directly and was asked to dispute this again but the credit bureau said that it has been disputed twice already.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming funds. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions/consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collections account. There are late payments and a past due on this account. This is a violation. Please remove this inaccurate account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Credit card

I have a Amazon Card through Synchrony Financial. I had a {$700.00} credit limit. I made my monthly payments until I could n't in XXXX of 2016. A rep from synchrony called me in XXXX of 2016 and we set up a repayment plan for six months so I could get my card back on track. Every Month through the six months the payment was a little more than the last. Well come to the end of the six months my account is still delinquent and closed. The rep told me that when I finished with the XXXX payments my account would be current, the late fees would stop and I would start making the usual monthly payments. I said ok. Well come to the end of the six months I talked to someone at Synchrony and they said that I was still {$170.00} behind and they keep putting late charges towards my account and they have closed my account. I told them what the rep told me when we started the repayment and they said that she should n't have said that and that you still have to pay all of this to get your account current. I refuse to pay this due to them telling me that it would all be current after the XXXX payments. I did n't set the amount to pay they did and I did n't set the length of time to make these payments they did. I just want them to make this right.