23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX I visited my dentist office to take care of what I thought would be a quick simple procedure. By the time I left I was sold a GE Care Credit Card with a $ 6.5K limit and up sold dental services which, looking back now, were clearly not needed. Young and naive, I did n't know any better and certainly did n't understand the racket I would be subjected to years to come. This credit card charged-off around XX/XX/XXXX because I was unable to keep up with the terms and conditions of the agreement ( Truth in Lending ), which was not presented to me. The payments I made were primarily applied towards interest due to an already high rate, but also due to a " penalty '' rate for making a payment late. I recall one-time being told that it would go back to the lower rate ( the lower rate being 25 % + or so ) once I made XXXX on-time payments. It 's hard to negotiate with XXXX but I tried, but ultimately lost and stopped making payments because I refused to be subjected to their XXXX, threats, and abusive lending practices. 
This account has ruined my credit. I see now that this company was fined by the CFPB and ordered to pay restitution to its victims. Although I took the card in XX/XX/XXXX -before their 0 % debacle started in XXXX it 's clear that this company was NEVER operating under prudent and fair practices. The practices that they were fined for do not show up out of now where ; this company 's divisiveness and lack of transparency was embedded deep and was chronic behavior. I honestly do not know what rights I have as a consumer at this point but thought I would start here to see what assistance I may have in clearing this negative account from my credit report. I 'm happy to see that this company had to pay for their misdealings and hope that those misdealings result in the removal of this charged-off account.
Product: Credit reporting or other personal consumer reports

Re : Demand for Removal of Incorrect Late Payment Reports and Non-Public Private Information Dear Experian, I am writing to you on behalf of XXXX XXXX XXXX XXXX, who has recently discovered inaccuracies in their credit report that require immediate attention. My client has identified the following issues that need to be rectified without delay : 1. Incorrect Late Payment Reports : My clients credit report inaccurately reflects late payments that were not reported in accordance with federal and state regulations. Specifically, the Office of Attorney General of Texas account no-XXXX date opened on XXXX alleging {$22000.00} balanced up dated XX/XX/year>. These inaccuracies are a result of reporting errors and are not reflective of my clients true payment history. 

2.Non-Public Private Information : The credit report also contains non-public private information that is not relevant to my clients creditworthiness. Specifically, child support late payments from the attorney general of Texas.. This information is not only irrelevant but also a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ).

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Furthermore, under the FCRA, consumers have the right to dispute and request the removal of any inaccurate, incomplete, or outdated information from their credit reports.

Please direct all correspondence and documentation regarding this matter to my attention at the address listed above. Should you require any additional information to facilitate the investigation, do not hesitate to contact me directly.
Product: Checking or savings account

I have been put on XXXX and XXXX for fraud activity due to a closed account from Bank of America .. since then I have disputes this information with ews and fraud activity has since been removed by Bank of America .. Bank of America has yet to remove this same information from chexsystems and I was recently able to open an act with XXXX XXXX after calling and verifying that the information was updated an removed but a day later my act was closed because it was not fully removed pm paper ... please remove this ASAP
Product: Credit reporting or other personal consumer reports

I am writing to formally request validation of the debt referenced above. As the account in question is being reported as a collection account on my credit report, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request verification of this debt. 

Please provide me with the following information : 1. The original creditors name and address. 
2. A complete account history, including any charges, payments, or fees that have been added to the account. 
3. Proof that you are legally entitled to collect on this debt, including a copy of the assignment contract or any agreement transferring the debt to your agency. 
4. A copy of the original signed contract or agreement that created this debt. 
5. Verification of the amount claimed, including any interest, fees, or other charges that have been added to the balance. 

According to my records, the details of the account are as follows : Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Type : Collection Date Opened : XX/XX/XXXX Status : Collection account, {$6000.00} past due as of XX/XX/XXXX Balance : {$6000.00} Please be advised that you are required to provide this information within 30 days of receiving this letter. If you can not provide adequate proof that this debt is valid and that you have the legal right to collect on it, I respectfully request that you cease all collection efforts and remove this account from my credit report. 

I would appreciate your prompt attention to this matter and expect a response within the 30-day period as specified by the FDCPA. 

Thank you for your cooperation. 

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

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate reporting on my credit files with XXXX, XXXX, and TransUnion. The information being reported contains incorrect original credit amounts, dates, and installment details, which is unfairly impacting my credit score and financial profile. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX XXXX corrects these errors and updates the information accurately across all three credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Reported Issues : Incorrect original credit amount, incorrect dates, and inaccurate installment type reported inconsistently across XXXX, XXXX, and TransUnion Issue Summary : XXXX. Inconsistent and Inaccurate Reporting : XXXX XXXX XXXX has reported incorrect information across the credit bureaus. These inaccuracies include incorrect original credit amounts, inaccurate dates, and the wrong type of installment structure, creating a misleading view of my creditworthiness. 


XXXX. Failure to Correct Errors : I have attempted to resolve these inaccuracies directly with XXXX XXXX XXXX. However, no corrections have been made, and the inaccurate information continues to appear on my credit reports, unfairly harming my financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies and inconsistencies, I am requesting immediate correction and alignment of the information reported by XXXX XXXX XXXX XXXX XXXX, XXXX, and TransUnion. 

XXXX Requested : Immediate correction of all inaccurate information reported by XXXX XXXX XXXX, including original credit amount, dates, and installment type on XXXX, XXXX, and TransUnion. 

XXXX that XXXX XXXX XXXX will update its records and ensure accurate reporting practices going forward. 

Confirmation that XXXX XXXX XXXX has provided the corrected information to each of the three major credit bureaus to prevent future discrepancies. 


These reporting inaccuracies have caused significant harm to my credit report, and I am seeking the CFPBs support in ensuring that my credit file is updated fairly and accurately. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

This company has contacted me numerous times saying I owe them money last time I was contacted was XX/XX/. I have asked them for the contract that was signed with my wet ink signature and they have failed to present this information to me. I have told them to stop contacting me via mail if they could not send the request contract with my wet ink signature. I have disputed this information numerous times and even gave them the chance to provide me with the debt validation and I still haven't received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf.They have just stopped sending me all correspondence all together. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently closed and paid in full an account with XXXX XXXX XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all 3 credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all 3 credit bureaus have failed to do a proper investigation.
Product: Student loan

I received a loan in XXXX through Sallie Mae for XXXX dollars for the XXXX program. My XXXX co-signed for me to get this loan. 

I have had it deferred and also have paid. In total I have paid XXXX and my loan amount has actually gone UP. I now have a balance of XXXX. Now that sallie mae is under Navient I have tried to talk to them last year and have gotten nowhere. The payments I made last year have only gone to interest. Also my XXXX who co-signed the loan is not showing on he loan at all anymore. I dont know how you can take someone off a loan but I didnt do that so with how things are being handled there is something suspicious and fraudulent going on. I am struggling to understand what I can do since there is no help for private loans. I have contacted legal services and there are similar cases to mine but I do not have the money to pay an attorney to fight this. I have attached my payment history. Navient has a class action lawsuit against them and I have contacted them via phone and email for the class action case but no update.
Product: Credit card or prepaid card

I recently ( to be an exact XXXX of 2020 ) purchased some material to remodel my home from Floor & Decors Branch in XXXX XXXX, CA and at the cashier, they offered me 0 % financing for 1 year to be paid in full. I found it attractive and I took the offer and started to make payments on the loan ( {$4500.00} ) until recently when the 1 year passed and I noticed there was a huge finance charge of {$1300.00}. was added to my remaining balance of about {$1600.00}. when I called Floor & Decors Financing they told me, since I did not pay all of the balance in full then I had to pay interest of 29.9 % on all original balance of {$4500.00}. 
I pleaded and I told them that that was not disclosed to me at the cashier, all it was explained to me was the 0 % financing for 1 year, and no detail was explained and it is so hard to read or no chance to read the small fine print where there is a line of people behind you to check out, on the receipt that confirmed the interest rate will be applied on all original balance. it is so deceptive and I think it is planned to get you to pay 30 % financing! 
I reached out to Floor & Decors several times but they declined to credit me back and they did not except to charge finance on the balance remaining only. 
I paid the balance off including the 29.9 % fiance charges but I am seeking help to help me to stop Floor & Decors on deceptive practice
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXXXXXX : XXXX -- -> : {$300.00} XXXX XXXX XXXX XXXX XXXX : XXXX -- XXXX : {$3300.00} XXXX XXXX XXXX : XXXX -- XXXX : {$68.00}
Product: Credit reporting or other personal consumer reports

Per 15 U.S. code 1681b XXXXXXXX XXXX XXXX  used and reported my credit without my signature and I would like it removed off my credit along with all the negative marks that came with it.
Product: Credit card

I always pay on time, and I am certain of this. I am diligent about meeting my payment deadlines and have no doubts about it. My accounts should be updated to remove any late payment remarks from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance Owed : {$120.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$510.00}.
Product: Debt collection

I am writing to formally dispute a collection account reported by XXXX under Credit Collection Services on my credit report. The account, opened on XX/XX/year>, does not belong to me and is the result of identity theft. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information and request its removal. Furthermore, as a victim of identity theft, I am entitled to have fraudulent accounts removed under the Identity Theft and Assumption Deterrence Act. 

I request the immediate removal of this account from my credit report.
Product: Mortgage

Had a bathtub flood at home. Insurance paid out XXXX but held by RCS until they could approve/prove work done. THEIR CONTRACTED INSPECTORS HAVE NEVER CALLED TO SET UP CHECK OF WORK! ca n't continue/finish work until they do without losing my insurance payout.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on both Equifax and XXXX  since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Product: Checking or savings account

I am filing this complaint against Wells Fargo regarding overdraft fees charged to my account without my consent or proper notification, and their refusal to refund them.

Heres what happened : - I hold a checking account with Wells Fargo - Wells Fargo charged me overdraft fees- I never opted into their overdraft protection program for ATM or debit card transactions, as required by federal Regulation E. Despite this, they applied these fees to my account. - At no point did Wells Fargo notify me before or after these fees were chargedno text, email, or app
alert warned me of a low balance or pending fees. I only discovered them when reviewing my statement later.

- When I contacted Wells Fargo customer service on to dispute the fees and request a refund, they refused to reverse the charges, claiming the fees were valid under their policy. They provided no proof I authorized overdraft prote

ction. These actions violate my rights as a consumer. Federal rules state banks can not charge overdraft fees on debit card or ATM transactions without explicit opt-in, which I did not provide. Their failure to alert me also prevented me from avoiding the fees. Ive reviewed my account agreement and found no evidence I
agreed to this. Wells Fargos refusal to refund these unauthorized charges is unacceptable.

This has caused me financial strain and frustration, and I expect Wells Fargo to resolve this promptly. Please investigate and respond within the required timeframe. I can provide bank statements or additional details if needed.

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019. Requested online personal credit reports f from TransUnion via online portal. Fee was {$29.00} for all three-TransUnion, XXXX and XXXX. Site was extremely slow to load on my computer-my bandwidth from ISP was fine ( from speed test ). The problem was with TransUnion website. I was never able access my three reports. Somehow I was also billed {$24.00} for an unknown reason as a monthly  reoccurring charge!!!!! Result was my inability to obtain my three credit reports from the TransUnion website and two charges for {$29.00} and {$24.00}. The website was so deceptive and confusing I thought it was a scam and fraud and not a legitimate business. 

Today, during business hours I called the TransUnion customer service and explained problem and asked for a refund for both charges. XXXX said yes to refund the {$24.00} and no to {$29.00} with no logical explanation and no assistance but she seemed to be excellent at intentionally confusing the issue. 

This company and their website have the actions and appearance of a company that know and intentionally use unethical tactics to sell and market their services.
Product: Debt collection

XX/XX/XXXX IC Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Please be advised that your disregard and violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ), and my rights as a consumer have caused harm by seriously affecting my credit rating, causing the denial of credit, as well as causing higher interest rates and unfavorable loan terms. Your continuous phone calls causing the telephone to ring repeatedly throughout the day and evening is harassing. Furthermore, at no point in a conversation with your company has your representatives ever disclosed their identity, the company being represented or the reason for the call, which was misleading. These oversights on your part are clear violations of the FDCPA Furthermore, we verbally disputed the debt with your company on XX/XX/XXXX and again via an XXXX through XXXX on XX/XX/XXXX. Not only did collection activity not cease during this time, but you  failed to send validation not once, but twice with the 30 day time frame for each dispute. In fact, we have yet to ever receive validation and the letters and calls are continuing even after 90 days. Again, this is a clear violation of the FCDPA and FCRA, which I am sure you are aware of as a Data Furnisher. We are for the 3rd time requesting validation. We are also requesting you review the attached conversation with XXXX, where they clearly state all charges will be removed and the XXXX receipt where they received their equipment back. XXXX XXXX : Once you return the equipment back the unbilled charges will be removed Consumer : So why am I paying for a full month when I terminated the service today? XXXX XXXX : All the charges will be removed once the equipments are received back to XXXX In light of the harassing phone calls, deceptive practices, lack of providing the mini miranda and inability to provide validation after 90 days, we are requesting that IC System correct our account to reflect a XXXX balance, cancel all collection efforts and have the trade lines deleted from our credit history. In the event, IC Systems neglects not to comply, I will file a formal lawsuit