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

XX/XX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my XXXX income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XX/XX/XXXX. OnXX/XX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XX/XX/XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Republic Finance is reporting late 's on my account. I just refinanced and don't understand why these late 's are notated on my account.I was never notified about being late and have never made a late payment on this account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/year> regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information. I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. 

The creditor, XXXX XXXX XXXX XXXX XXXX has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the XXXX timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of XXXX days to resolve this matter. 

XXXX XXXX XXXX XXXX XXXXXXXX Date of Incorrect Late Payment : XX/XX/year>
Product: Credit reporting

The Credit Bureaus were reporting a bankruptcy, but the courts do not verify a bankruptcy, the courts told me they do not verify that information. Therefore, that information was pulled out from a third-party reporting agency, therefore I demanded it must be all deleted because the court say they do not verify. And I would appreciate once its deleted I want proof that 's it 's been deleted. Thank you and god bless.
Product: Credit reporting or other personal consumer reports

I sent evidence of exact date I was no longer legally responsible for property as it was turned over to XXXX XXXX. I was fraudulently billed for XXXX, XXXXXXXX XXXX XXXXXXXX and information sold to a third party collection agency for debt that does not belong to me.
Product: Vehicle loan or lease

I purchased this car in XXXX of XXXX  and my Retail Installment Sale Contract Simple Finance Charge states the payment schedule was 72 months. The original loan amount total is XXXX. My payment is XXXX. I did place XXXX payments on the back for the duration of the loan, but they are saying I still owe a balance of XXXX. There is no way possible that I should still owe this amount. I can get that I still owe XXXX for the XXXX payments on the bank but there is no way I should owe XXXX, this would almost make me pay for the car twice. The interest rate on the loan is XXXX. This is predatory lending and false information based on what I signed. The car was purchased from XXXX XXXX XXXX XXXX and the purchase of the car was only XXXX dollars. The lender stated something about a daily interest and there was nothing discussed in regards to daily interest. This again is predatory lending. My account should only have a balance of the XXXX payments. I should be paying this account this year, but I will still go well into next year. This can not be legal and fair
Product: Payday loan, title loan, or personal loan

Kindly I had a car accident on XX/XX/XXXX My car was total loss ( XXXX XXXX XXXX ) My car loan was with Bank of America and I needed to payoff the car I had contacted Bank of America auto loan department many times and there was delay to provide letter of guarantee to my insurance XXXX XXXX I need them to provide my insurance 5is letter to help solve and speed up the process
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts with the US Department of ED that are showing on my credit report. These accounts have been closed for some time. 

They are showing missing payments from XX/XX/, XX/XX/ and XX/XX/ There was any agreement made and these payments were made up.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received both a phone message and email from my credit card company ( Union Bank of California ) about some potential unauthorized charges on my credit card account. I then found that my credit card was missing so I contacted my credit card company on XX/XX/XXXX to report that indeed, there are many unauthorized charges on my account. The card was then closed and a new card issued to me. The credit card company also removed all the unauthorized charges. 

Then, the same fraudulent charges that appeared on XX/XX/XXXX ~ XXXX reappeared on my account on XXXX of XXXX. I then called the credit card company on XX/XX/XXXXXXXX  and re-reported this issue. I called back again on XX/XX/XXXX to check on the status. I was told that the results of their investigation deemed all charges to have been authorized and that the case was now closed. 

All of the fraudulent charges appear to have been made in the XXXX XXXX area after a single authorized purchase during a day trip to XXXX XXXX from our residence in XXXX XXXX. 

The last authorized charge made before fraudulent purchases were made = XX/XX/XXXXXXXX  at XXXX XXXX XXXX XXXX XXXX for the amount of {$26.00} The 11 unauthorized charges that occurred between XX/XX/XXXX and XX/XX/XXXX after the final authorized purchase listed above = XX/XX/XXXX at XXXX # XXXX XXXX  for the amount of {$80.00} XX/XX/XXXXXXXX  at XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX  at XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX  at XXXX XXXXXXXX by XXXX for the amount of {$5.00} XX/XX/XXXXXXXX  at XXXX # XXXX XXXX  for the amount of {$80.00} XX/XX/XXXX at XXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX for the amount of {$220.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX for the amount of {$220.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00}
Product: Credit reporting or other personal consumer reports

Me. Cooper is reporting XXXX late payments on credit report. The time period of late payment was XX/XX/2020 to XX/XX/2020. Mr. Cooper approved a forbearance period during the pandemic as directed by the Cares Act. The company doesnt not provide the documentation where the forbearance was approved by their company.
Product: Debt collection

I was not notified that my account was being closed by comenity bank. I was only notified that there hsn credit card accounts were being transferred to XXXX.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.
Product: Mortgage

XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$150000.00} to CITIZENS MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX XXXX ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : XXXX : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. 

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to issue a final demand regarding the continued presence of unauthorized and invalid negative items on my credit report. Despite multiple disputes and clear evidence of discrepancies, these negative accounts remain improperly reported.
Product: Credit card or prepaid card

On XX/XX/XXXX my credit card got compromised, I got a text message approving the transaction which I did not approve, and we called Barclay, they promised me that the charge fraud will be resolved, on XX/XX/XXXX they charged me for the fraudulent transaction
Product: Mortgage

I applied for a partial loan modification with Citizens Bank on XX/XX/XXXX. I was told it would take approximately 30 days to review and approve. On XX/XX/XXXX I called to see if any new information was available and was told my application was in review. I called again on XXXX and was told they showed no application on file ... would I like to submit. I have now called two more times to be told that my application submitted on " XXXX '' is still in review. 
My forbearance reached the 18 month deadline on XX/XX/XXXX. 
I believe Citizens purposely held my application back so that my forbearance would end and my credit history would be severely damaged. I feel this was malicious and not a limited information or labor issue. 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a law firm XXXX Beling & Associates XXXX to litigate or otherwise resolve private student loans for consumer rights violations made by the private student loan companies. I have a contract with the attorney 's office which lists those loans. I was recently sued by one of the private student loan companies for a student loan which is in the contract and which my attorney was supposed to be negotiating ( I have the contract and e-mails with the law firm regarding the potential settlement of these loans with the servicer ). Upon receiving the complaint filed by the student loan company, I tried to reach out to my attorney both by phone and e-mail, several times, and have yet to receive a response in over 6 weeks. They have also taken no action with regard to the lawsuit filed against me and I am currently handling the matter pro se,  in spite of already having paid the law firm to deal with this loan. There is a second pending action against me ( I have not yet been served but service was attempted ) for another loan listed in the contract with Beling & Associates, which was also supposed to be in the process of negotiation, or that was the status of these loans based on the last correspondence received from Beling & Associates. 

Payment amounts ( I have bank statements confirming ) : XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} I made attempts to contact this firm by email on the following date ( I have copies of the emails ) : XXXX XXXX XX/XX/XXXX XX/XX/XXXX I made other attempts to contact this firm by phone. I can provide phone records of those but I do not have the exact dates at this time. Every time it says that I can not leave a message because the mailbox is full.
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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a 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 or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the following items, or inaccurate information, from my file immediately & send me the results to the address 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
Product: Money transfer, virtual currency, or money service

Venmo has locked my account for zero reason, and they refuse to tell me any details on why it was frozen, and they refuse to unfreeze it. I was sent XXXX dollars for some personal items I sold, and they are holding onto it with no verbiage that Ill ever get it back. This is immoral and unethical. They need to be held accountable as they have done this to numerous other people I know and never give a reason, because I dont believe there is a reason, they want to steal peoples money.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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 a 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 or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Product: Debt collection

THE ACCOUNTS LISTED ON MY CREDIT REPORT IS NOT MINES AND ALSO THERE ARE SEVERAL INQUIRIES ON MY CREDIT REPORT ARE NOT MINES AND THIS IS STRESSING ME OUT AND DAMAGING MY LIFE. I CAN'T SLEEP NOR EAT PLEASE HELP ME RESOLVE THIS ISSUE ASAP.
Product: Debt collection

Collection agency, Jefferson Capital Systems LLC, reports debt in the amount of {$5800.00}, with original creditor as XXXX XXXX on credit report. I have disputed the account through XXXX and XXXX, still no verification supplied. Original creditor has dissolved the company and I was unable to locate a past due amount with the company that took the open loans. I called collection agency on XX/XX/21 and requested details of the debit by mail but was unable to secure an expected time frame for the information. Collection agency stated they did not know when they could provide. To date I have been unable to receive any verification of this debt and my records and credit report show all loans were paid in full with XXXX XXXX, Jefferson Capital Systems continues to report the collection.
Product: Checking or savings account

I deposited XXXX into my account and the atm said it couldnt process it and it didnt want to give it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all the credit bureaus and informed them of the idenity theft on credit. They have not assisted me with correcting the information. I don't know what to do next. I need this situation resolved. It is really affecting my life.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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: Checking or savings account

Opened new account, checking, with Bank of America in XXXX XXXX, Fl in XXXX. I was employed with XXXX XXXX. A XXXX XXXX XXXX, actually a fortune top ten. This was on a Monday morning around XXXX XXXX. My check was for about $ 4200.i ask the teller when the funds be available, she said 3 to 5 business days. I ask here to explain business days and why it varied 3 to 5 days. She said because it was a out of state company. The VP over heard our conversation and came over and introduced herself to me, she was very knoledgeable about XXXX, she made the comment to the young teller and me that XXXX had more money than XXXX XXXX, and XXXX had no long term debt. The VP told me she would approve deposit that day by XXXX XXXX. I then proceeded to write out all my monthly bills, ( 17 total ) all but one for less tha 100 dollars. due to I was going to be away from home for 2 weeks. When I got back home and opened my mail I found out I had been charged for 17 over draft fees of {$35.00} each, total of {$590.00}, then another fee of {$590.00} for the 17 checks because it had been over 5 business from the first charges, a grand total of {$1100.00}. I naturally closed my account and told XXXX to XXXX XXXX XXXX. They have since charged me over an additional fees and put this on my credit report, and on some type of national bank registers that prevents me from opening another account with another bank.