23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently discovered my XXXX XXXX account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or XXXX XXXX Card. 
I am only willing to pay for the purchases made on the account. 

Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed. 

Again, please note that I never received any calls, billing statement summaries, or XXXX XXXX Card. I am a college student trying to establish credit and I do not want this to affect my present or future credit history. 

When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.
Product: Vehicle loan or lease

I Recently phoned us auto and requested a reduction in my payments or to refinance the vehicle, but I was told that usauto didn't do that. During that time I had to make repairs to the vehicle on numerous occasions shortly after the purchase totalling XXXX which forced me to request a deferment for that month. I'm not even sure if usauto reported my payments to the credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX LAST XXXX of XXXX : XXXX Account Number XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX To whom this may concern, I am writing to file a formal complaint against XXXX XXXX XXXX for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : XXXX XXXX XXXX has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ).

Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Use of False, Misleading, and Deceptive Means : XXXX XXXX XXXX has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge you to protect consumer rights. Do a thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX
Product: Credit card or prepaid card

I've filed a dispute with XXXXXXXX XXXX XXXX XXXX where I have been XXXX  in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Where I am XXXX  at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my XXXX  XXXX  Identification with my Social security card. which could've all been verified by the XXXX  XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX  for the past XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Credit card or prepaid card

I made a purchase for XXXX hockey tickets. The game was for XX/XX/21. The game was moved, other ticket companies have offered refunds and other options to compensate the issue. The company will not give me a refund, I have been asking Wells Fargo to dispute this transaction to work to get my refund. I am out {$1700.00}. It is a very large amount of money to continue taking this long to resolve my dispute.
Product: Credit reporting or other personal consumer reports

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

" "
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report. 

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX  XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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: Money transfer, virtual currency, or money service

Last month me and my friend, tried to buy an XXXX throw XXXX. The scammer told us to send XXXX dollars throw XXXX. At the end I did not accept it. Later on I got inside my bank account and I didnt have XXXX dollars, on wells fargo and XXXX XXXX. So I called both banks to report it as a fraud transaction. The next days when my friend told me that he did made the transaction. We went to the police station, we contacted XXXX but they told they would not be able to do anything. 

At the same time XXXX XXXX answered me saying that they could not process my claim so I would not get my money back. I expected the same from Wells Fargo. So we did not change our claim. 

Days pass and we recieved an answer from wells fargo saying they would not be able to refund me the money. 

So this is my last option.
Product: Student loan

My student loan was with XXXX XXXX, XXXX was my loan company. XXXX has now changed its name to XXXX. My loan should have been forgiven completely because my college was fraudulant- we were told by XXXX XXXX XXXX that these loans would be forgiven. Now XXXX is sending me letters saying my loan is past due and they want to " help '' me. XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Checking or savings account

Subject : Urgent Request for Master Promissory Note - Dodd-Frank Mortgage XXXX XXXX/ Loan Number '' XXXX Dear CrossCountry mortgage, LLC, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter regarding the mortgage servicing protections outlined in the Dodd-Frank Wall Street Reform and Consumer Protection Act. 

I have made several requests for the master promissory note associated with my loan, identified by the loan number XXXX. Regrettably, CrossCountry Mortgage, LLC has yet to comply with these requests and has not provided the requested documentation. 

As you may be aware, the Dodd-Frank Act establishes crucial protections for consumers, including the right to access relevant loan documentation promptly. I am concerned about the lack of response from CrossCountry Mortgage , LLC and seek your assistance in resolving this matter promptly. 

I kindly request that you intervene and ensure that CrossCountry Mortgage, LLC complies with the Dodd-Frank Act by promptly providing me with the master promissory note associated with my loan. Your attention to this matter is greatly appreciated, and I look forward to a swift resolution. 

Thank you for your time and assistance. 

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

My credit score continues to decline due to old fraudulent debt that continues to reappear on different bureaus. Wells Fargo added charged off debt from 2016. They have me owning a vehicle that they took. They have not sent me any documentation that shows I had a loan with them. They added it to my credit reports after the credit bureaus removed the debt. This continues to happen over and over again. I thought it was illegal for creditors to add debt with different dates to all three credit bureaus. I am XXXX XXXX XXXX and have been fighting all this fraud on my credit for years. I dud hire an attorney but he needs documentation. He also stated in my case that Wells Fargo should not be showing anything on my credit report due to this being disputed. He also stated that no one can add debts with different dates on my credit report after it was removed due to me being an identity theft victim.
Product: Checking or savings account

My card was charged {$470.00} on XX/XX/2019 at a establishment ( XXXX XXXX XXXX XXXX  ) I havent ever been or ever brought from in witch i didnt authorize the transaction i called and had the charge disputed with the fraud department i told the gentleman that i didnt have the card when the transaction took place and he put on the report that i said i did have the card witch was wrong and now citibank is saying the charge was rejected and charging me for the {$470.00} i have sent information from the merchant saying it was a big charge at their store and they would refund me back i filed 3 letter of appeal with the bank but they keep closing the case and isnt trying to XXXX  me with the process
Product: Credit card

I was approached by XXXX at Home Depot, Store # XXXX, XXXX XXXX XXXX, NY XXXX, to open a credit card account. Heopened an account and told me no interest for 6 monthson purchaes for {$290.00}. So I bought a small refigerator formore than {$290.00} on XX/XX/XXXX. I made min. payments on time. But in XX/XX/XXXX theybut they added interest from XX/XX/XXXX, despite what XXXX, their employee, told clearly that interest would accrue aftersix months. So this is totally wrong and has to be correctd by Home Depot.
Product: Credit reporting or other personal consumer reports

The XXXX name XXXX. I saw this credit in my credit report without any contact details. I dont know this creditor neither do I opened any account with them. 
INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, Phone number not available ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated; Original Charge-Off ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this account appears on your credit report following our investigation. 
Date Opened : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Revolving Account XXXX XXXX Balance : {$11000.00} Date Updated : XX/XX/XXXX Payment Received : ( {$0.00} ) High Balance : {$11000.00} Original Charge-off : {$0.00} Pay Status : Terms : >Account 60 Days Past Due XXXX {$370.00} per month, paid Monthly Past Due : Estimated month and year that this item will be removed : XXXX/XXXX Credit Limit : {$10000.00} XXXX $ XXXX XXXX Delinquency of 60 days in XX/XX/XXXX for $ XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I learned of a derogatory item on my consumer report : an account with XXXX XXXX XXXX that I didn't recognize, and that was apparently in collections. I contacted Experian immediately to initiate a dispute. In the meantime, I was able to identify that the original creditor on the account was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and after navigating through phone trees and long hold times, was connected with XXXX XXXX XXXX, which determined, in relatively short order, that the account was created as a result of fraud. XXXX XXXX XXXX 's XXXX XXXX XXXX department issued a letter ( attached ) that shows the account was fraudulently obtained. 

Experian has two ways to submit documentation related to a dispute : 1 ) you can send it by mail, along with a copy of a government-issued ID, a copy of a utility bill/bank statement, and a copy of your Social Security card ; or 2 ) you can use their " secure document document upload service, '' at experian.com/upload, which isn't accessible from Experian 's " Dispute Center. '' My problems are that 1 ) after multiple attempts, I've been unable to successfully use the upload service, and gotten only error messages ; and 2 ) to mail in the documentation, I have to include information that is a ) cumbersome to obtain and b ) subjects me to further risk of identity theft. 

This experience has been maddening. XXXX XXXX XXXX also happens to be my current mobile provider, and I pay my mobile phone bill on a timely basis monthly, but XXXX XXXX XXXX seemingly never attempted to contact me regarding this account ( apparently tied to a California address ), and instead chose to send it to collections. Experian 's a consumer reporting agency, but not only is their website littered with cleverly disguised advertisements for expensive credit monitoring services, they also have no consumer-friendly way to submit documentation regarding a disputed item. I think that's pretty ridiculous.
Product: Student loan

Hello, I was forced to take out loans with  XXXX   XXXX  when I went to school as I went to  XXXX . No other loan companies would lend to me.  XXXX   XXXX  then sold   XXXX  of my   XXXX   loans to Navient and retained   XXXX  .       Navient has been completely unhelpful in helping me to repay my loan. I have only recently returned to the US and the only " help '' they were willing to offer was to charge me {$150.00} to enter into a 3 month forbearance. Navient will not give me a repayment plan based on my own funds. They say they will use my finances to consider lowering my monthly payment but insist on including my co-signer 's income. My grandmother is my cosigner and lives in another city and is currently  XXXX  in hospital. I also do n't have any faith that they will be reasonable in what they consider to be " lower ''. I am nervous about handing over our financials and agreeing to their program then still being trapped in a situation that I can not manage. In addition to that, Navient claims  that I owe  ~  {$90000.00} on the loans they hold. I do n't understand this because the loans total ~ {$60000.00} in principal and I left schoo l in 2015. I   do n't understand how my loans increased by 50 % in a little over a year.     I have done everything I can. The fact is that I am earn less than {$500.00} a week and supporting myself and my husband. My other loan providers put me on an income driven repayment plan without hesitation but these two companies treat me like I just do n't want to pay. I am only a year out of school. I have finally gotten a job in my industry and I am struggling to put food on my table. The added pressure of Navient treating me as if I am willfully withholding money from them is a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dci is a collection agency used by XXXX, after multiple attempts to correct this problem with both companies it still appears on all of the Credit Bureaus as an account opened in XX/XX/XXXX when this account was closed in XX/XX/XXXX. This is a re-aged debt which is illegal under the FRCA.
Product: Credit card or prepaid card

I tried to pay my bill and was told that they close my account. I was not given any pre notification to allow me to work out any arrangements before they close my account.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 


Subject : Final Notice : Immediate Deletion of Inaccurate Information or Legal Action To Whom It May Concern, This letter serves as my final notice and demand for the immediate deletion of inaccurate Information from my credit report. Despite my previous attempts to resolve these issues in good faith, your continued negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ) has left me with no choice but to take aggressive action. 

I have previously sent dispute letters on XX/XX/year> and XX/XX/year>, requesting the removal of the following inaccurate information : XXXX. XXXX - XXXX - {$3600.00} XXXX. XXXX - XXXX - {$5600.00} XXXX. XXXX XXXX XXXX XXXX  ) - XXXX - {$17000.00} To date, you have failed to adequately investigate these disputes or provide any substantiated evidence that supports the accuracy of this information. Your inaction and disregard for my rights under the FCRA are not only unacceptable but also illegal. 


If you do not immediately delete the disputed information listed above from my credit report, I will be left with no option but to file a lawsuit against your organization for willful noncompliance with federal law. This will include claims for : 14. Violation of the Fair Credit Reporting Act.

15. Defamation of character due to the reporting of false information.

16. Damages for the financial and emotional distress caused by your negligence.

I demand a written confirmation that the erroneous information has been permanently removed from my credit report within 15 days of receipt of this letter. Failure to do so will result in my immediate commencement of legal proceedings. 

Please be advised that I will also be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Additionally, I will seek compensation for all legal fees, costs, and damages incurred as a result of your noncompliance. 

This is not a request but a final demand for immediate action. You have an obligation to ensure the accuracy of the information you report. I trust you will take this matter seriously.
Product: Credit reporting or other personal consumer reports

Under Experian Membership # XXXX Section XXXX XXXX reporting only. 

XXXX Experian and XXXX seem to be correct. 

I only have 17 open accounts and NOT 19 what XXXX is stated. 

The extra two accounts are listed duplicate twice ...... 


I dont know who is at fault, but somebody needs to look into this issue immediately. 

I DO NOT have 2 of the same XXXX XXXX XXXX XXXX XXXX XXXX 

It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.
Product: Money transfer, virtual currency, or money service

Hey Im filing against cashapp due to lack of security on my account. The action is cause for me to be evicted because nobody returned calls or voicemail when I try to reach them.Cash app fail to protecty funds or account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX XXXX XXXX Balance : {$930.00} XXXXXXXX XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct or fix the inaccurate items information as quickly as possible.
Product: Credit card

I have been saving my GM Card points to purchase a new XXXX XXXX XXXX. I'm now finding out they only are offering the points on a XXXX model of the vehicle I wanted. Issue is there are XXXX new XXXX ' model left in the US. They will not allow me to use my points on a XXXX ' model.
Product: Credit reporting or other personal consumer reports

The bankruptcy currently reflected on my credit report is inaccurately represented. The case indicated as valid and accurate is, in fact, erroneous. There has been no trial or judgment associated with this case. Without a judgment, there can be no valid case. 
It is imperative that you promptly remove this account from my credit file. The bankruptcy XXXX  XXXX case number XXXX should be deleted immediately as it is fraudulent. 

Failure to rectify this situation and continue reporting inaccurate information will compel me to pursue legal action. I have consulted with my attorney, and if the matter is not resolved within 30 days of this letter, legal action will be initiated.