23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number for Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ describe the inaccurate account and collection ]. These items are inaccurate and do not reflect my actual credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. 

According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. 

Therefore, I expect XXXX to conduct a proper investigation and provide me with the results. 

If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. 


The list of accounts appearing on my credit files by Transunion, XXXX and XXXX below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. XXXX XXXX XXXX XXXX {$990.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$86.00} - Acct # XXXX XXXX. XXXX XXXX- {$1100.00} - Acct # XXXX XXXX. XXXX XXXX- {$730.00} - Acct # XXXX XXXX. XXXX XXXX- {$1500.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$890.00} - Acct # XXXX XXXX. XXXX - {$1100.00} - Acct # XXXX XXXX. XXXX - {$700.00} - Acct # XXXX
Product: Credit card or prepaid card

I am writing out of extreme frustration with Citibank. I had a dispute that was resolved by both the merchant and Citibank. However, Citi refuses to remove the amount ( {$4900.00} ) from my account. Even though it is not on the full balance taken out each month, the figure remains on the statement, subtracted from the credit line and is reported to the credit bureaus. The dispute resolve was in XXXX of 2021. I can not count how many times in the last 2 years I have called and spoken to representatives. There have been such quotes as we are aware of the problem, and you should receive a call back in the next few days once fixed. No promise has ever been kept returning a call. I even emailed the CEO with no response. After all these years of dealing with Citi on this matter, I do not know what else to do and would appreciate your help!
Product: Student loan

I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Javitch Block LLC filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing XXXX XXXX XXXX XXXX and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but XXXX XXXX and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SELF-REPORTED XXXX Balance : {$100.00} XXXX SELF-REPORTED XXXX Balance : {$260.00} XXXX SELF-REPORTED XXXX Balance : {$48.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$400.00} XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days later I have not received a response yet I feel like I am been taken advantage of and ignored of my disputes. Section 61 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from y credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been trying to dispute negative accounts from my credit report, several times. And recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are my negative accounts : XXXX XXXX amount : {$560.00} XXXX XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$230.00} XXXX  XXXX {$110.00}
Product: Debt collection

In a recent review of my credit report, XX/XX/XXXX I noticed the addition of a company called XXXX XXXX. I received no form of communication such as a phone call, a letter, or the like. In my attempt to contact the company, the unnamed representative, curtly stated to me : 'We purchased the debt from Lendmark Financial in your name and social and they state you owe a balance of {$1100.00}. ' I quickly asked where was the communication to substantiate said debt? She alleged that a letter was sent to the address that Lendmark provided to them and by law that is all that ( we ) are required to do. She further stated that she had been a debt collector for more than ( 20 ) years and she knew the laws. If in fact a letter was sent, it would have been returned. From XX/XX/XXXX to XX/XX/XXXX, I was XXXX. I had no fixed address and was essentially living on the streets, in a car, or a hotel when funds were available. My decent into XXXX  stemmed from a job loss. Presently, I am attempting to restore my credit ; but when companies such as this impede my rights to challenge any debt prior to reporting, it becomes extremely difficult.
Product: Debt collection

I have filed a complaint with XXXX XXXX  concearning my complaint against XXXX XXXX XXXX phone number XXXX x XXXX ( XXXX XXXX XXXX XXXX, suit XXXX XXXX XXXX XXXX XXXX of the over payment of {$1300.00} that was made on XX/XX/year> of my complaint and was asignned case number XXXX with XXXX  XXXX. XXXX XXXX falsely charged my credit card account {$2900.00} which only {$1600.00} was due to PayPal which included {$240.00} that PayPal withdrew from my bank account and failed to give a credit on PayPal statement. 

I have request the tape conversation that XXXX XXXX made during the phone conversation of XXXX in collecting the debt for PayPal. XXXX stated that no interest or penalties would apply if I would pay what was charged on PayPal account that day. 

XXXX failed to give any receipt of the charge from my credit card or any statement what was due. 

I have requested XXXX XXXX only to pay XXXX XXXX to pay the undisputed amount of {$1600.00}. So far XXXX XXXX has failed to only pay the undistputed amount.
Product: Credit card

I had scheduled payments to pay off my balance within the promotional period and due to issues with setting up my account on their website, difficulty navigating their payments page, and ultimately a typo made out of human error, I was charged a {$30.00} returned payment fee. My initial payment on the balance on XX/XX/XXXX processed correctly. Additional payments I had set up used a saved account number ( for the same account ) that I did not figure out how to save until the second payment I had scheduled ( which then carried onto payments scheduled through XX/XX/XXXX ). My original intention was to set up autopay but I could not access it on their website. I do not feel this penalization is fair and was not notified of the issues until today ( XX/XX/XXXX ) when I received a call for a due payment which I had thought to have already been paid. Additionally, the phone representative informed me that this fee would have accrued interest while paying off my promotional balance and I requested that this have payment allocated to it first to negate additional interest fees. Lastly, the phone representative informed me that he could not assist me to rectify the issue with the future scheduled payments I had used the same incorrectly typed account number on and told me I would have to login via computer ( not possible on the mobile website ) to cancel the payments. He was able to help me set up autopay going forward but said if I didn't cancel the previously scheduled payments each one would accrue the same {$30.00} late fee and he had no way to help intervene over the phone.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Product: Mortgage

I came out of forbearance last year in XX/XX/2020 and have a deferral agreement from the bank. On my bank statements it has an Outstanding Principal amount and states my deferred balance. 

The problem is when I'm on the website is shows both amounts and adds and has a combined balance. I've been calling the company for two weeks and have spent over 3 hours on the phone with them and no one can explain why my deferred amount has been added to my starting principle. 

Every time the call ends with a supervisor will call you within 24-48 hours and no one calls me. I ask to speak with a supervisor and they tell me they can not transfer me to one.
Product: Student loan

I have attempted for two years to get details of addition fees and charges they continue to charge me, I have never received any explanation of these fees and when I relented and paid for them, they charged me for a new set of fees and added them to my monthly total again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name changed with unconscionable errors. I.e. no attempt at accuracy at all by comparison with existing info.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased 2 suits on XXXX totaling {$470.00}. I subsequently returned both suits to XXXX because they did not fit. on XX/XX/2022 I was refunded for one suit totaling {$230.00} to my Dick 's Sporting Goods Credit Card. I call XXXX customer service let them know they had only refunded me for one suit even though I returned both suits. The agent I spoke with said he issued the remainder of the amount to be refunded and it would be credited to my Dicks credit card in 4-5 business days. The refund never came through so I filed a dispute with Dicks Credit card. XXXX then issued the refund on XX/XX/2022. The charge was later rebilled on XX/XX/2022. I call XXXX once again on XX/XX/2022 and the agent indicated that because they had already issued the refund and Dicks rebilled it that I now had to take it up with Dicks. That same day I called the customer service number on my Dicks statement and was rerouted 7 times by the agent I spoke with claiming it was the wrong number to address my issue. I was looped back to the same agent repeatedly who insisted that he was unable to help me. I still need to be refunded the remaining {$230.00} by Dicks Sporting Goods. 

I also paid my bill on time by XX/XX/2022 and have the confirmation email to prove it and it shows online that my bill hasn't been paid and is late.
Product: Credit card or prepaid card

On X/X/17 at XXXX XXXX I went online to make a payment to pay my XXXX XXXX XXXX balance to a {$0.00} balance. I then reviewed my account and saw I was hit with a {$27.00} late fee And a {$1.00} Finance charge. When I contacted comenity I talk to 3 separate account managers all of them who said they will not remove my late fee because I paid the account 32 minutes after there cut off time. There is no where on the website that states their is a cut off time.
Product: Credit reporting or other personal consumer reports

To : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX agents , representatives , & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. 
VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice. 
I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing
Product: Credit reporting or other personal consumer reports

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. These are the fraudulent accounts left that you havent remove : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. Please remove these accounts ASAP.
Product: Student loan

I went to school at a school that has since closed. It went by many names ... ..XXXX, XXXX, XXXX ... ..to name a few. Anyway, I went to school XX/XX/XXXX and had a loan through Navient and have been paying them since then. They have threatened me with garnishments, made harassing calls to me, and forced me to set up payment plans. I recently went on a .gov website for some help because as often as the companies change, I can not keep track of who i 'm paying and how much or how long i 've been paying each company. Anyway, the .gov site chat sent me to NSLDS.ed.gov where I could see my loan history and there I found that Navient was paid off thru a consolidation loan XX/XX/XXXX! But they 're STILL TAKING MY MONEY, every month, right out of my bank account. I have requested my transcripts so I can try to get loan forgiveness since the school I went to just suddenly boarded up one day. I am also looking into Public Service Loan forgiveness, since I have worked in the XXXX since XX/XX/XXXX. But in the mean time, Navient has taken my money, for 11 years without me owing them ANYTHING. I have attempted numerous times to call them via their XXXX and local numbers and can never get a live person.
Product: Vehicle loan or lease

The loan XXXX  with Santander consumer USA these are deceptive practices in which this company is already been involved in and lost a multi million dollar lawsuit right before my car was financed with this company in which I have experienced the same issues and interest-rate which I was not told about in the beginning that you can not refinance nor will they change payments or posting for interest only without anything posting to the principal so the amount you owe on your vehicle never goes down they report incorrectly to credit reporting almost making it impossible for you to trade or refinance the vehicle for a less interest rate the biggest thing though that I think I noticed is there auto payment system everyone needs to check their accounts because what has happened to mine is it is set on a auto draft setting that they claim they cant remove so upon logging into the account it appears that your payment is already set up to deduct from your account so of course you dont want to make a double payment and return what happens is the payment is never processed in which it makes you look like youve missed your payments and Ill top of that they charge a late fee so if you think about all the millions of people that have auto loans financed through this company still if everybodys accounts are set up like this theyre making a ton of money just off of late fees because I know myself and my family because when I work out of town its left with somebody else who will pay bills on my account anytime theyve ever tried to login it says that the payment is already scheduled obviously theyre not going to schedule another payment so I know around that theres been times that I have missed two payments in a row thinking the payments are being made this is a complete scam from start to finish I have contacted multiple times about all of the situation my loan at one point was more than what I purchased the vehicle for because of their late fees and posting all of my payments towards interest in nothing towards a principal very little has been posted to the principal on my car in the year and a half that Ive owned it they should be shut down for what they do
Product: Credit reporting

I did not get a response and it 's been months. I just want these hard injuries off of my credit because I did n't try to open the accounts they have listed.
Product: Credit reporting or other personal consumer reports

Notification there still working on the issue as all the others THEY ARE DOIN NOTHING so as of today all complaints that are filed will be forwarded to THE DEPARTMENT OF JUSTICE fraud division