23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX CT XXXX, Ga XXXX [ Suntrust Bank ] [ XXXX/XXXX/XXXX ] To [ Suntrust Bank ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, [ XXXX XXXX XXXX ]
Product: Checking or savings account

Package never was delivered. Packages in my area are coming up missing left and right. Chime dosent wan na dispute and the merchant is giving me a hard time about refund
Product: Credit reporting

I disputed an account with XXXX XXXX XXXX XXXX with Equifax. 
This account was removed from my from my credit report, after my dispute. Then, it appeared back on my report. 
I disputed it again, and once again it was removed. 
Now, it is back and showing active since XXXX XXXX. THIS IS WRONG. 
This account was closed in XXXX, is not active, and has NOTHING owed.
Product: Vehicle loan or lease

I have an account with Chrysler Capital with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX, XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.
Product: Credit card

I am writing to report a problem with Costco Anywhere Visa Card by Citi. Citi issued the card automatically because I had a Costco membership account. However, I have not been to Costco for over two years. I called the number in the back of the card XX/XX/XXXX to request the cancellation. The representative told me that she put in the request right then and I was all set. Yet I am still receiving bills and now this enclosed letter showing that my account has not been cancelled and that I owe money on the account for the yearly Costco membership fee. I never applied for the card, never used the card. I sent a letter to Citi on XX/XX/2016 requesting my account be closed and the outstanding balance be cancelled. I still got an email this morning from Citi telling me to pay the balance to avoid penalty fees. I am deeply disappointed in the customer service of Citibank. I hope CFPB will help me put an end to the outstanding balance of this credit card account, and that this account will be closed for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to you today regarding the removal of the disputed fraudulent items reporting on my Crediet Report. It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. I need the Credit Bureaus to please comply with the law so this matter can be handled swiftly. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX  Inquiry Date XX/XX/2021
Product: Debt collection

I had medical coverage with Nevada  XXXX , I should never have been billed for this visit.
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 15 USC 1681. 

Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX # XXXX, XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : 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, 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 an 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

I filed a complaint with CFPB back in XX/XX/XXXX Against my current mortgage lender. The company in question New Rez LLC. has rejected my application for a refinance once again. My original complaint # is XXXX. Please help me get out of my adjustable Rate mortgage and into a fixed rate mortgage with this company so I don't lose my home. They are my current mortgager and are not working with me to keep my home. I've been trying to get a fixed rate mortgage with them since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$37000.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late/Open XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Late/Open Chapter XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Late/Open
Product: Credit reporting or other personal consumer reports

Re : CBNA/MEIJER XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX I am writing to formally address a serious issue regarding my account with CBNA/Meijer XXXX XXXX I was not provided with a credit card statement for XXXX XXXX XXXX either by mail or email. I never received a phone call, voicemail, email or text message. Despite this, my account was reported to the credit bureaus as having a late payment, which has caused significant damage to my credit score. 

Upon investigation, I discovered that my account was enrolled in paperless statements without my consent. Furthermore, I did not provide an email address for such notifications, meaning I was unable to access my statements or payment reminders. In addition to the damage to my credit, I have also been charged excessive fees as a result of this situation. 

This lack of communication and unauthorized enrollment violates fair lending and billing practices. I respectfully request the following actions : 1. Immediate removal of the late payment record from my credit reports with all credit bureaus ( XXXX, XXXX, and XXXX ). 
XXXX. Waiver of all late fees and other associated charges incurred due to this issue. 
XXXX. Confirmation that my account will revert to paper statements, as I did not authorize paperless billing. 

Please have Citi bank provide a written response to this letter within 14 days, including an explanation of why this occurred and the steps your company will take to rectify this situation. 

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

Sincerely,
Product: Debt collection

Received a letter in the mail today that alleges to be a court record but it is not. XXXX XXXX XXXX has failed to provide the following. Legal Basis for Challenge This challenge relies on the following provisions of federal law : 1. 26 U.S.C. ( Internal Revenue Code ) : 26 U.S.C. 6201 authorizes the IRS to make assessments based on accurate, verifiable records. Since no account under the referenced identifiers exists, any presumption of tax obligation is without statutory backing.

26 U.S.C. 6404 allows for abatement of assessments lacking a reasonable basis. In light of documented confirmation that no debt or account exists, any assumption of tax or financial responsibility should be fully abated.

2. 45 CFR ( Code of Federal Regulations ) : 45 CFR 302.56 mandates that child support calculations and presumptions be based on verified financial information and provide a fair opportunity for rebuttal. Here, the lack of an active account negates any basis for presuming a debt, obligation, or lien.

45 CFR 303.101 requires that all child support enforcement actions adhere to procedural fairness and transparency. Failure to disclose valid records or provide evidence of an active account undermines any presumptive enforcement.

3. 2 CFR ( Uniform Administrative Requirements, Cost Principles, and Audit Requirements ) : 2 CFR Part 200, Subpart D, particularly 200.336 and 200.337, stipulates that agencies maintain accessible, comprehensive records for all enforced claims and financial obligations. The absence of an account or documented debt directly conflicts with these requirements.

2 CFR 200.470 prohibits the imposition of fees or costs that are not allowable or properly documented within federal awards or program funds, which further invalidates any support lien or debt presumption in this context.

Request for Immediate Action Given the lack of any legally valid records or documentation supporting an enforceable obligation, I formally request the following : Acknowledge and affirm that no account or debt exists under the identifiers provided ( XXXX, XXXX XXXX Id. XXXX and SSN XXXX ) within your debtor systems. 

Rescind any liens, garnishments, or related enforcement actions associated with the unsupported presumption of debt, if any have been initiated. 

Provide a written confirmation of the above actions to fully resolve this matter. 

If the Department does not respond with confirmation that all presumptions have been rebutted based on the absence of any account or debt, I reserve the right to pursue further legal action, including filing for relief in federal court for procedural and substantive due process violations. XXXX XXXX XXXX XXXX XXXX employee XXXX XXXX the any of the accounts listed exist in XXXX database or upon XXXXXXXX XXXX XXXX The account has been closed by accord and satisfaction and draft note deposit.
Product: Student loan

I never missed a payment or never defaulted on my student loans since XXXX ( end of grace period ). Navient become a my loan servicer on XX/XX/XXXX. 

1st incident- I made an on-time payment for {$380.00} to Navient on XX/XX/XXXX ( due date the XXXX of every month ) for XX/XX/XXXX payment. However, on XX/XX/XXXX, Navient never posted my on-time payment. As a result, I faxed a letter dated XX/XX/XXXX, with document proof from my bank to Navient, in regards to mishandling my incoming payments and its effect on my credit report. 

2nd incident - I made an on-time payment for {$380.00} to Navient on XX/XX/XXXX for XX/XX/XXXX payment. However, on XX/XX/XXXX, Navient never posted my on-time payment. On XX/XX/XXXX, I spoke to a woman named Ms. XXXX, a Navient representative, at XXXX XXXX. PST in regards to this recurring issue of not posting my on-time payments. As a result, I faxed another letter dated XX/XX/XXXX, with document proof from my bank to Navient, in regards to mishandling my incoming payments and its effect on reporting to credit agencies. 

As a borrower, I am performing my due diligence and also relying on Navient to perform its due diligence as well.
Product: Credit reporting or other personal consumer reports

To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my XXXX file with the XXXX CRA ( XXXX, XXXX, Experian ) in regards to late payments that they are continuing to report false and inaccurate. Each time all XXXX CRA ( XXXX, XXXX, Experian ) has responded that the information I have disputed was " verified '' as accurate but each time all XXXX CRA ( XXXX, XXXX, Experian ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.
Product: Mortgage

Back in XX/XX/XXXX, my account, which is shared with my husband, had one last payment on a zero APR promissory note provided by RI Housing. The account was set up to draw out {$95.00} a month for autopay from my checking account. There was a {$25.00} balance left on the account, which the {$95.00} would have covered the last payment. Due to the last payment, RIHousing turned off the autopay and did not make us aware of this fact. We received our past due statement after the due date of the following month. 

It two months and numerous calls for them to figure out that it was their fault and me threatening to contact the CFPB. They stated they would fix our credit reporting and could only accept check due to their bank error. 

They fixed two of the three major bureaus ( not sure about the 4th one, because we are unable to see that in our annual free credit report ). We are showing a 30 day past due on XXXX   reporting. We need this to be fixed. 

I contacted them again on XX/XX/XXXX, because I was made aware that we have a derogatory mark from them. This has been effecting our credit this whole year and it was their fault, which they agreed and stated would correct, and now knowing has given us lower scores and higher rates. I called again on XX/XX/XXXX, and was told that they are closed to the end of the month, except for one guy and the receptionist. I left another message for XXXX XXXX. 

This needs to be fixed by them and asap. This should have been taken care of a year ago. There is no reason why they shouldn't have fixed all three credit bureaus and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Nelnet purchased two of my student loans.  I was in deferment at the time.  In XX/XX/XXXX Nelnet reported to the credit bureau I was late on my payments.  I never received information regarding the purchasing of my acct.  My one phone gets about 20 robo calls PER DAY.  I have had to ignore/turn off for peace of mind.  If they tried to call I probably couldn't tell due to the tobo calls.  I discovered Nelnet when I obtained a credit report.  Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info.  I would have to have a complete XXXX  discharge that dated back before the report to the credit bureau occurred.  That I signed a paper in XX/XX/XXXXthat I would keep the loaner informed with contact info.  I still live here but phone ??????  Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?.  I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones.  Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer.  Now I have 7 to 10 yrs of bad credit from it.  I trusted the system when I filed for the deferment to keep it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/2024, I identified the following discrepancies : ________________________________________ XXXXncorrect Information to Be Removed : 1. Incorrect Names : XXXX XXXX XXXX XXXX XXXX 2 . Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

There are multiple issues with MOHELA, I have submitted the XXXX correspondence for review XX/XX/XXXX nad XX/XX/XXXX XXXX. There are XXXX different account # on the correspondances 2.I graduated in XX/XX/XXXX and there is no additional school attendance, need the disbursement date of XX/XX/XXXX explained who signed and who received this money, again graduated in XX/XX/XXXX with no additional school attendance, I am questioning the Validity of this loan. 
XXXX. This is the big one on XX/XX/XXXX MOHELA reports amount of loan XXXX and on XX/XX/XXXX they report. XXXX how is this possible to have fees and interest for 4 months in the amount of XXXX this really needs to be explained!
Product: Credit reporting or other personal consumer reports

Inaccurate reporting, the account is in litigation. Under the doctrine of Estoppel by silence, ENGELHARDT v. GRAVENS ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.
Product: Checking or savings account

On XX/XX/XXXX, XXXX transactions from an ATM of {$200.00} each for a total of {$600.00}, was taken from my account all the way from South Carolina. Im from and currently in XXXX York. I didnt get any notifications somehow, didnt see it until XX/XX/XXXX. Called immediately to dispute the charges but was denied the next day because ( this is what I was told exactly ) Our research shows this transaction occurred with a chip card at a chip enabled terminal. 

I will be calling again to dispute the decision
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/XXXX -- {$110.00} XXXX # XXXX XX/XX/XXXX -- {$50000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$34000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$15000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX