23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes. 
Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law.

Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through Form 1099-C. Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.
Product: Debt collection

On XX/XX/2020, There was an account opened with XXXX XXXX XXXX. I got a derogatory remark on my XXXX credit repot stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me 30 days past due on XX/XX/2022. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, a number of fraudulent XXXX charges were made using my checking account/debit card. I called Chase to have this rectified about XX/XX/XXXX. I explained that the XXXX  charges between those dates will not made by me. 

However, Chase decided to cancel all of my transactions made during that time, including some legitimate ones. To my knowledge, I did not request this. This included {$4500.00} made out to the XXXX XXXX XXXX XXXXXXXX for my XXXX XXXX. My account was credited for all purchases made, legitimate and illegitimate, between XX/XX/XXXX and XX/XX/XXXX. 

I called again a few days later ( I can't recall exact date ), to ask that the credits for my legitimate transactions, especially my tuition, be reversed. I was told that when the investigation ended they would receive their money, and that I had requested the reversals. ( To my knowledge, I did not. ) On XX/XX/XXXX, the {$4500.00} credit was removed from my account, presumably sent to the XXXX. At this point, the original {$4500.00} I paid should have been in the XXXX  's hands, as the credit back to me was reversed. 

Recently, my XXXX XXXX XXXX told me that I had not paid for my XXXX XXXX I called Chase bank on XX/XX/XXXX to tell them the merchant had not received any money, but that it had been removed from my account. I was informed that the funds were removed, disbursed, and definitely sent to the XXXX. 

The XXXX XXXX XXXX XXXX  still could not find the payment, even with the date of the payment provided. They asked me to call Chase and get more information on the transaction. I called Chase ( Still XX/XX/XXXX ), who once again told me that the money had been sent out. I asked for details on the transaction so that the XXXX  could locate my payment. 

After an extended hold, they did not provide me with this information, rather that the XXXX  would receive the money in 3 to 5 business days, as they were sending it again. They said they would send it again if it was still not received. 

As of today, XX/XX/XXXX, the XXXX  still does not have any payment from me. The {$4500.00} has been removed from my account but has not gone to the XXXX XXXX XXXX XXXX XXXX. I would like to get this rectified, and either have my {$4500.00} returned to me or sent to the XXXX. I have contacted the bank a total of 4 times, and spent a good part of my time reexplaining the problem.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter
Product: Bank account or service

I took out a home project loan via a credit card at Wells Fargo, my normal banking institution. This was about 4 and a half years ago. It was a zero interest card as long as I made monthly payments and was not late. Well with three payments left, I get a new card in the mail and my old account showed as cancelled online. I called and they said that the automatic bill pay service was not active like it was on the old account, so I had to make a manual payment to avoid late fees and cancellation of my promotional interest rate. I did that, and then they proceed to take the original payment out as well. I am irate because I spoke with them about this beforehand and now they are holding on to more of my money that I do n't have access to. Very shady business practices.
Product: Credit reporting

This is written in reference to Transunion Credit Reporting Agency. I feel my federal rights have been violated in regards to credit reporting. I intend to file charges against this company. The lawsuit will be due to the utter lack of response from the company. When someone is a victim of wrong information being put on their credit file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit, documents with my signature constituting obligations that I have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So far none of them has been able to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any debt can be validated. Which leads me to wonder, how is Transunion stating accounts are " verified '' on my credit report. The letters I receive from Transunion states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to XXXX up numbers in their database is no sufficient verification. Now I am prepared to sue Transunion for being such a pain in the posterior to me. I have provided more than enough evidence to support my claim.
Product: Mortgage

During covid 19 I applied for a deferral online like requested from the bank. This deferral request was in XX/XX/2020 and I followed up with numerous phone calls to see if it was approved. I was assured it was received and they were working on it. I also received notifications about my loan being late which I called again and was told they were computer generated and they were still working on the deferral and were just behind because of being shorthanded. 

It is now XXXX and I am being told my deferral never went thru and the payments I have made since XXXX when I resumed making payments have all gone to Interest and late fees. I never received anything saying my deferral was not approved. 

I have contacted the bank and they tell me there is nothing they can do. This is clearly wrong, deceptive and fraudulent. This bank is preying on customers in a time of crisis.
Product: Student loan

My daughter attended XXXX XXXX XXXX back in XXXX. She obtained several loans to continue her education, however she continued to defer the payments, filed bankruptcy, I also filed bankruptcy, she continued her education and I feel that the school used her original FASA forms from XXXX when she began college to continue to file for funds for her education. She is now XXXX  and Navient ( who I believe holds the loan ) continues to call, harass me for payments. I don't feel that I should be responsible for this loan. Also the interest is 8.5 % and the original loan was {$10000.00} and because she kept deferring the interest continued with a student loan balance of {$24000.00}. Again, I don't feel I should have to re-pay this loan.
Product: Payday loan, title loan, or personal loan

I had got a loan with One Main Financial, made payments then fell behind, I called to see about setting up arrangements and they didn't know what office was handling my account, I gave them all the information and they said they would contact me and never did, I reached out to them again once to settle the debt again they didn't know where my account was located still never received a response. SO I filed a complaint with the XXXX, they then pulled my account from collections and made it current. Then when I contacted them again they STILL could not locate the account. Now its on my credit again and was sold and this is damaging to my credit. I made numerous attempts and complaints and nothing. This is over a course of 4 years. I am fed up with them reporting when they never tried to resolve it when I was initiating a response.
Product: Credit reporting or other personal consumer reports

Opportunity to Cure. I see that Equifax has removed XXXX XXXX XXXX from my report after I had complained about being violated by furnishing on my consumer report and my proof of claim will be attached below. I fully intend to pursue arbitration/litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance in reference to me being violated by the XXXX XXXX XXXX reporting under15 U.S. Code 1681n - Civil liability. I do not consent to e-OSCAR verification and want an actual living human to read this complaint. I will have my invoice for damages and federal consumer violations attached below.
Product: Prepaid card

Unable to receive my paycheck that 's been direct deposited.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. 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 investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$3000.00}
Product: Debt collection

This was a debt that originated with XXXX  XXXX XXXX and not this collection company. Debt was charged off by XXXX  XXXX XXXX then replaced back on as active by collection company. I informed them that I believe their actions to be illegal and representatives became very rude. I asked them to stop calling and notify me in writing, they have refused. It is my opinion that their actions are illegal and at best falsifying information on my credit report to cause me the most harm. They are intentially hitting my credit report as often as they can to make my score go down. Their actions have caused me to lose a federal job.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan from Credit FreshXXXX XXXX XXXX  in XX/XX/year>. Their loans are extremely predatory. I am paying {$240.00} a month for a {$2400.00} loan. Out of the {$240.00}, only {$40.00} dollars are going towards my balance, meaning Credit Fresh is charging me {$200.00} just for having an account with them or in what they call " billying cycle charges ''. 
Their system is designed for you to not be able to pay your debt unless you pay it all at once. This loan will take me about 5 years to pay off, in which they will pocket about {$12000.00} in fees. I can't recall if at the time they had the examples and loan/billing cycle charges, but they have modified the agreements, and I can not find the original one. The first one I see available for me is the amended one on XX/XX/year> and by the time, I had already been making monthly payments, since XX/XX/year>. Additionally, they included an arbitration agreement to their policies so that they can not be sued. 
There are multiple XXXX  complaints regarding this company. I urge to please look into them. I took a loan at a time of need, and I still find myself paying it 2 years later. They are draining my bank account every month. 24 months later paying 240 a month I have paid more than double what I initially borrowed.
Product: Checking or savings account

Opened an account with self lender in XX/XX/2021 because it was supposed to be a savings that helped to boost your credit and at the end you get all your savings back. I decided to close my account in XXXX when I realized this was a scam and in fact did nothing for my credit score. I understand there was a {$9.00} admin fee but attached you can see I paid {$160.00}. The {$25.00} payments didnt come out but thats not a late fee. Im having to wait over 2 weeks and my payout is only {$92.00}. I want the other {$75.00} I contributed to this account. This is a scam and theyre stealing peoples money
Product: Vehicle loan or lease

In XXXX of XXXX, I took out a lease on a XXXX XXXX. 

This account has been on automatic payments without fail. Moto Lease removed the automatic payment feature when the loan was " paid in full. '' XXXX of XXXX, I receive a notification that my credit report shows a delinquency. I found the error to be MotoLease. I called Moto. Moto stated that there was a balloon payment and they only accept cashiers checks. This was NOT conveyed to me and I never received a bill after the account was " paid in full '' MotoLease refuses to remove the late mark on my credit. I XXXX XXXX never revoked my payments nor authorized Moto lease to revoke my automatic payments. I have had flawless payment history and I am formally requesting through this complaint for Moto Lease to take the payment that is owed and correct the historical data with the XXXX and XXXX agencies as it is erroneous and not depicting an accurate representation of the account. Each day this information continues to report damages my credit reputation and causes more damage. Please advise.
Product: Debt collection

I recently sent a letter to Ad Astra making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
Product: Checking or savings account

I believe wells Fargo owed me back money on overdraft fees and insufficient funds fees I was charged from the bank when I actually did have the money in my account to cover the charges wells Fargo said the covered the charges because I didn't have the money in my account. And that was a lie
Product: Credit reporting, credit repair services, or other personal consumer reports

my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, Experian ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach
Product: Student loan

To whom it may concern, On XX/XX/2018 my XXXX student loan account # XXXX XXXX XXXX was paid in full. I received a Paid in Full Notification letter that I have enclosed. The account was closed and removed from my credit report and everything seemed normal and I believed it was a closed matter. Fast forward to XX/XX/2018, while I was on my monthly routine of checking my accounts I noticed I have a new balance on the closed account and I was surprised to see that on the closed old loan. I thought it was an error and it would just go away. I should have known better next month it was added to my bill doubling my monthly payment. After noticing this I immediately called them to ask them why was this account that was paid in full and that they had sent me a letter confirming that fact back with balance and with more interest than before. The representative said it must have been a computer glitch to what I replied I dont think you cant make a {$13000.00} error on an account. The representative asked me if I had any proof of the payment and I said I had not the proof at hand but that I had to locate it on my files. I also told the representative that I wanted to dispute the loan. He said he would send me a form for me to dispute it. I am still waiting for that form. Basically what I am getting from XXXX is that if I misplaced my information to proof that I have paid my loan in full I have to pay my loan again with interest just because they had a glitch. And unfortunately I have misplaced my documents showing my payment to the account! I think this is most concerning for people like myself that make the best effort to pay for their student loans and companies like this one have the nerve to tell you its just a glitch and you have to pay again. Having said that I have keep working with them so I can accommodate this loan in my monthly payment so my accounts dont default and stay current. I want this account closed and taken out of my credit report and of my student loan account. I sincerely ask for your help in this matter. Thank you. 
XXXX XXXX
Product: Credit card

Months ago I submitted a power of attorney document for a Citibank ( LL Bean Mastercard ) credit card account. Citibank acknowledged my POA status, I updated the mailing address, and I have been operating as POA on this account. Now they are telling me that I never should have had POA and that I can not access that card. That my documentation, which very clearly states a Grant of General Authority over ALL subjects, is not sufficient. I have to submit the POA documentation again and then wait weeks for it to be processed.