23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe are both inaccurate and incomplete. The following accounts have been reported with information that is in violation of the Fair Credit Reporting Act : XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX Upon reviewing my credit report, I have identified multiple instances where the information provided is incomplete and inaccurate. The discrepancies in reporting not only misrepresent my creditworthiness but also constitute a violation of the Fair Credit Reporting Act. I am formally requesting that these accounts be thoroughly investigated and, if found to be inaccurate or incomplete, be removed from my credit report immediately. 

I am aware of a specific case where Experian was sued for violating consumer rights, and I am prepared to escalate this dispute further if necessary. To ensure a fair and impartial investigation, I will be copying the Consumer Financial Protection Bureau ( CFPB ) and the Attorney General 's office on this correspondence. 

Enclosed with this letter, please find supporting documentation highlighting the inaccuracies and incompleteness of the information reported. I kindly request that you treat this matter with the urgency it deserves and provide a written response within the 30-day timeframe mandated by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following have violated my rights : XXXX XXXX account XXXX XXXX XXXX accont XXXX *XXXX XXXX XXXX 1 account XXXX XXXX XXXX XXXX  account XXXX *XXXX XXXX XXXX account XXXX 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.
Product: Checking or savings account

Hi, My checking account with Chase has been frozen without a good reason. And I can not use my own money that my employer deposited. 

Chase wrongfully accused my money came from illegal source based on a false claim from someone I don't know. Chase decided to frozen my checking and my own money without notifying me since XX/XX/XXXX. They locked my own money for over two weeks with XXXX solid evidence that my money are illegal. All my money in my checking account came from my employer. 

After found out this unusual situation myself on XX/XX/XXXX, I called Chase customer service for over 2 hours. Two representative and two senior managers talked to me, although admitting with no evidence, they still decided to keep block my own money. 
On XX/XX/XXXX, I went to a Chase branch locate in XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The banker there fully understand my situation, and helped me argued with Chase claim department. However nothing can be done. Chase ask me keep waiting, while they did nothing to solve my issue. 

As a result, all my credit cards charged me interest fee and returned payment fee. Four of my credit cards from XXXX got cancelled. My Chase account has over XXXX dollars, and I can not use it to pay any of my credit cards balance or buy grocery for my XXXX kids.
Product: Debt collection

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the PMAB LLC and all 3 credit bureaus a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Debt collection

I am writing to dispute a debt that is being reported by XXXX XXXX XXXX under account number XXXX. This debt is being incorrectly assigned to me, and I am requesting its immediate removal from my credit report. Here are the details of my situation : Insurance Coverage at the Time of Service : At the time of the XXXX XXXX in question, I had valid health insurance that should have covered these expenses. I have confirmed with my insurance provider that they received and processed claims for these services. No Outstanding Balance : According to my insurance records, there should be no outstanding balance for these XXXX XXXX. The debt reported by XXXX XXXX XXXX does not belong to me and is a result of an error either in billing or insurance processing. Request for Validation : I have previously requested validation of this debt from XXXX XXXX XXXX, but have not received satisfactory evidence that this debt is mine or that it is owed. Given these circumstances, I am requesting the following : Immediate Removal of the Debt : Please remove this erroneous debt from my credit report as it is not valid. If there is any documentation that proves this debt is mine, I request that you provide it. Otherwise, this collection needs to be removed to reflect accurately on my credit report. I appreciate your attention to this matter and look forward to resolving this issue promptly.
Product: Student loan

Navient has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment for my private loans. 6 months after graduation, I reached out to Navient to discuss my repayment options since my salary was not adequate to make payments and was told that my payments could not be adjusted to my income.Instead, I was told the only I options I had was graduated repayment which lowered my overall monthly payment by {$200.00} and increased {$400.00} after 1 year or deferment. Although I was willing to make monthly payments that were adjusted to my monthly salary, they would not work with me on finding alternative income-driven plans. Although my salary has not increased in the last year, my payments have increased tremendously. I can not sustain these payments much longer.
Product: Debt collection

Credit Service CO is reporting on my credit and attempting to collect on a debt that is erroneous and past the statute of limitations. 
This debt is from 2011 and I am a XXXX I was in a XXXX XXXX XXXX and had to go to the hospital. So for one this debt was covered under workers comp! For 2 it is past the statute of limitations in UT.

Last, they are in violation of the FCRA for continuing to update the LAST ACTIVE date. The LAST ACTIVE date is when payments are being made. So they continue to update this date monthly which will keep this erroneous debt on my credit report. 
They are obviously in violation and if they do not fix this then the next correspondence will be from my attorney. I XXXX XXXX for a living and these guys harass me for years on a debt that was paid and is old. Someone needs to do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with them THE CREDIT BUREAU - EQUIFAX They double billed me. 
I called to complain They made me answer 30 questions to " verify my identity ''. 
They apologized 10 times but never got anything done. 

Made it horrible to cancel the monthly plan.
Product: Checking or savings account

I requested a refund for {$1200.00} sent to my energy company because I received a government grant. I was denied my refund 4 times and Ive been asking for 2 weeks why my dispute was denied. They still havent sent a response. The XXXX suggested a complaint to this agency because its illegal to not tell why a dispute was denied. I would like my refund because I am on a fixed income.
Product: Credit reporting or other personal consumer reports

Account is not correct. In Collections/Charge-off needs to be removed. Account status should be close and paid in full.

We have not received the PAID IN FULL Letter from Hyundai.

Responding to Company remarks on XX/XX/year> : - Never received final letter invoice/must be paid in 30 days.

- I have proof of the conversation for approval of paying balance in XX/XX/year>. 

- Auto Payments were never late. Hyundai stated they never received the cashier check - but the supporting documentation provided shows Hyundai received check from USPS with signature. We had to wait 90 days for the cashier check to be returned due to Hyundai 's negligence.

- After I submitted my proof and on behalf my husband ( joint account ) Hyundai requested additional time to research and respond to this complaint. My husband and I have not received a response.

- Two Payments were made on XX/XX/year>. This Conversation was tape recorded with Hyundai 's representative XXXX. I informed him ( XXXX XXXX XXXX XXXX ) I was using my husband debit card ( XXXX XXXX XXXX )- which is link to our joint account with XXXX XXXX Bank. 

- Payments were received per conversation from XXXX and from XXXX XXXX XXXX  documentation. 

About 2 hours later - Hyundai " Charged my husband Debit Card Without His Authorization - leading to cancellation of debit card for Unauthorized Charge.

A Police Report was file for record and XXXX XXXX XXXX  submitted transaction made from Hyundai, but it Declined due to wrong expiration date.

Now I truly fear this company because they have my personal information including my husband. My husband and I don't feel safe with this company. What they did was illegal at both state and federal level. There are no trust.

Supporting documentations are provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

C/o Security Finance XXXX XXXX XXXX, SC XXXX Good morning, On XX/XX/2018, I paid my account completely off with security finance. I was told by many representatives that negative status would be removed from my account and it would show " Paid as agreed ''. I have called and complained numerous times and nothing has changed. As of today my account is showing closed, account status is still showing I'm 90days pass due on the account which is affecting my credit. Previously my credit score was over 700 until I ran into a financial hardship, my husband was in an accident and my income was the only resource in the household at the time. Once my husband returned to work, I started working on my accounts and paying the balance off. all of my account is showing paid and payment status is showing current because the balance was paid off.
Product: Credit card or prepaid card

My wife and I have a joint Fifth Third MasterCard. My wife 's card was stolen on X/XX/2017 and was reported to Fifth Third Bank that day. I was told that our account was deactivated and cancelled and that new credit cards with new account number would be sent to us. Yesterday, X/XX/2017 the new cards arrived in the mail. They were new cards with the same account number as the one that was stolen and supposed to be cancelled. I called 5/3 and talked to XXXX. He said someone must have made a mistake and that he would send us new cards with new account number.
Product: Consumer Loan

I attempted to take advantage of the below payment plan offered by Paypal Credit, however, the rep I spoke with previously by the name of XXXX insisted on a monthly payment of XXXX for six months which I can not afford. If I could afford such a high payment then the account would not be past due and over limit, which is obvious. Why Paypal still offers a plan with a high payment, I have no idea. I think the settlement offer is reasonable, considering there is fraudulent charges from an Ashford.com which run into the thousands. However, Payal Credit now insists on a payment amount of XXXX for six months. Paypal did offer two other payment plans, however, they do not offer any settlement which is reasonable as there is fraud on the account as stated before. I 've called in to Paypal Collection dept and reps like to lie stating there is a cease and desist order on the account when there is not, this is so they do not have to discuss the account prior to closing at XXXX EST. They will also breath into the phone, then hang up if it is a few minutes before closing. Please advise Paypal I will accept settlement plan below due to fraud charges, however, I can not afford XXXX a month. I can afford XXXX. 

Settlement : Settlement offer of {$2800.00}, which is XXXX % of your current balance of {$5700.00}. If accepted, your account will be considered settled for less than the full balance due after you send a payment for the full amount of {$2800.00} on or before XX/XX/2016. Alternatively, you may make six installment payments totaling {$2800.00}, the first of which must be no less than {$110.00} and must post to your account on or before XX/XX/2016, and the five remaining payments, totaling {$2700.00}, approximately {$550.00} per month, must post to your account on or before day 20 of the following five months, respectively.
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 Original creditor : XXXX XXXX XXXX XXXX 
# XXXX, Account name : XXXX & XXXX Original creditor : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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, 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. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX 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 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I took a small {$800.00} loan out with XXXX  on XX/XX/2017 ; I asked that the re-payments be made in three equal installments, after the first discounted installment. The first payment was taken out on XX/XX/17 in the amount of {$100.00} ( 1 payment ) and they have taken subsequent payments every two weeks in the amount of {$200.00} ( 4 payments ) which equals {$910.00}. I called in and asked why they were taking that amount out and was told to " look at your contract '' which I did and it showed the interest rate in excess of 651 %! I was livid and I told them to go back and LISTEN to the recording where I requested my payments be made in 3 equal payments. They did not. I finally called again today and was told the payoff ( with their discount ) was {$870.00} and change. I asked why after they had taken out over {$900.00} on an {$800.00} principal amount was it still in excess of {$800.00}!! I was told it was " interest ''. I told them to remove my name and that I would be filing a complaint. I was told to go ahead.
Product: Student loan

I am unable to contact Mohela about my student loans and student loan forgiveness. When using the " Contact Us '' on their website, they never provide an email address or contact form to fill out. It keeps cycling though their FAQs which are not helpful or informative. When I called the XXXX number, I was not able to connect to a person and was told to go to their website. This is ridiculous! 

I am have received an email from the XXXX XXXX. of XXXX stating the some or all of my loan were forgiven and they would send that forgiveness information to Mohela on XX/XX/2023. However, Mohela sent me a bill with a due date of XX/XX/2023. Am I required to make the payment or not?
Product: Mortgage

On XX/XX/year>, I upload all documents and applied for a home loan modification before I became delinquent. I was told I qualified for a FHA modification. I received a denial of modification on XX/XX/year>. The reason provided for denial was " Loan paid off or Reinstated. '' Either of these reasons for denial are inaccurate. I was not reinstated nor brought the loan current. I was communicating with my mortgage servicer that I had a dire hardship and needed to take steps before I became delinquent.

I was NOT provided with the NPV calculations that the investor used to decide my denial of modification.
I pointed out the items needing to be addressed in my Notice of Error and UWM failed to provide me by law what is required.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 XXXX and XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also consumer reporting agency can't furnish an account without my written instructions.

15 U. S.C. 1681B Permissible Purpose of Consumer Report
Product: Debt collection

Representatives from XXXX ( XXXX ) googled me ( I 'm assuming ) and contacted my dad 's wife and left a voicemail that had my last XXXX of my social and a threat that if I did n't call them back they would show up at my job. There was no way they could 've known she was affiliated with me and there 's NO reason to leave my name and the last XXXX of my social on a voicemail of someone who could 've been a complete stranger and done something with that information.
Product: Vehicle loan or lease

I leased an auto with u s auto sales. And I was not behind on payment. In XX/XX/XXXX my car was repossessed by west lake management group now they are trying to get me to give them XXXX for a car that that repossessed but us auto sales apparently went out of business and did not inform customers. And shared no payment information. I wake up and car was gone out of my driveway now they are harassing me by email and mail coming to my home demanding payment but they have the car. I just want them to do what they choose with a XXXXXXXX XXXX XXXX and we call it even. But they have added bad debit to my credit and I never even had any arrangements with them. And had no idea they are taking over in house financing that us auto sales gave their customers. It was totally unfair. And we as the customers should have been offered an apology for the harsh way they have treated us because we were unknowingly put in this position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

People pulling my credit reports with out my concend 2 reports every month for over a year time period.
Product: Credit reporting or other personal consumer reports

PERSONAL INFORMATION UPDATE LETTER XX/XX/year> To Whom It May Concern : This is my second time writing to you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : Sincerely,
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

this complaint is against Cashapp ( block , inc ) for fradulent transactions on the following dates : 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