23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account info Account name XXXX XXXX  Account number XXXX Account type Auto Lease Dear [ Creditor or Credit Reporting Agency ] , I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX Account # XXXX XXXX XXXX Account is showing a late payment for XXXX 2017. I WAS NEVER LATE ON ANY PAYMENTS.
Product: Payday loan, title loan, or personal loan

Discover Bank advertised an APR of 6.99 % - 24.99 % for personal loans based on CREDIT WORTHINESS. At the time of my loan request, according to XXXX Bank on XX/XX/2016 my FICO Score was XXXX. My loan was approved but my APR for the loan was 14.99 %, when it should have been much lower based on my exceptional credit rating at the time of the loan. I feel that the APR applied to my loan was not fair based on my credit history but, rather it was based on my race, as an XXXX-American.
Product: Debt collection

XXXX is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from Access Group, which worked fine for me through XXXX school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone overseas ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on XXXX and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at XXXX are legal.
Product: Debt collection

The issue is with Portfolio Recovery Assoc. They have been trying to collect a debt balance from the original creditor, XXXX XXXX XXXX  XXXX XXXX, amount owed {$1800.00}. 

The credit limit on this credit card account was {$500.00}. XXXX XXXX & Portfolio Recovery has added over {$1300.00} of finance charges. Most recently I called Portfolio Recovery on XX/XX/2020 to settle this account. They refuse to move from the balance owed. This is the same response I have been getting from XXXX XXXX & Portfolio Recovery for over 3 years. 

Since they will not settle on a reasonable amount, I wish to have this completely removed from ALL credit reports.
Product: Checking or savings account

On XX/XX/XXXX, I wrote and mailed a check to XXXX XXXX in XXXX New York ( a wedding venue ) in the amount of {$9200.00} for the deposit for my wedding. The check was made out to XXXX XXXX. 

On XX/XX/XXXX, someone stole this check out of the mail, washed the check, wrote in their own name ( " XXXX XXXX '' ), and cashed the check in the amount of {$9200.00} at XXXX XXXX XXXX. 

I did not realize that the check had been stolen ( as the transaction in my account showed up in the same amount as I had originally written it ) until XX/XX/XXXX. I immediately filed a complaint with Citizens and reported this issue to the police and to the XXXX. 

The following are the timelines of interaction I had with each of those 3 institutions in the days following.

Citizens Bank Claim C-2428498 TIMELINE * XX/XX/XXXX - Case is filed * XX/XX/XXXX - Citizens Bank receives Police Report Number * Notice of report will arrive in the mail within XXXX business days * XX/XX/XXXX - Follow up Call - no help provided, no confirmation of the information I provided to them, request for confirmation input by call intake * XX/XX/XXXX - Filled out Declaration of Unauthorized Endorsement - for an Altered check * Getting a callback to verify this form XXXX - 2 days for my callback * Call by Tuesday if I havent heard from Citizens * Need to print documentation before mailing it * XX/XX/XXXX - Request for documentation submitted- this will be mailed out to me * Email is impossible. 
* XX/XX/XXXX - Paper copies mailed in to confirm receipt XXXX * Asked to escalate to a supervisor * XX/XX/XXXX XXXX XXXX XXXX XXXX for Citizens Bank * Before XXXX XXXX on XX/XX/XXXX, XXXX will call me back. 
* XXXX reports to the Office of the Chairman * XXXX Citizens Bank XXXX, XXXX, RI XXXX * Write a letter - Attention office of the chairman * XX/XX/XXXX Fax sent to claims department at XXXX > Confirmed at XXXX XXXX  * XX/XX/XXXX - Received an email from Citizens stating that they had received some of my information. 
* Still need a confirmation * XX/XX/XXXX - went in person to Citizens, they actually helped!!! Faxing the information * Still need a confirmation * XX/XX/XXXX- Received a letter ( Dated XX/XX/XXXX ) denying my claim because I took 36 days to file the complaint instead of 30 days. 


XXXX Mail XXXX XXXX XXXX Request Number - XXXX Complaint # XXXX CCC # XXXX TIMELINE * XX/XX/XXXX - Case is filed * XX/XX/XXXX - Follow up phone call with XXXX they told me it was going to be XXXX weeks before they contacted me, not XXXX business days. Inspector will follow up shortly * Inspector called XXXX XXXX instead of XXXX XXXX - Number of inspector is XXXX * XX/XX/XXXX - Contact made with XXXX XXXX via phone * Details of case provided to him * Case numbers provided to me * Fraudulent check details sent to him XXXX Claim Police Incident Report number : XXXX TIMELINE * XX/XX/XXXX - Case is filed * XX/XX/XXXX - Incident Report Number received * XX/XX/XXXX - Follow up email sent to XXXX Incle because of the lack of contact from the detectives. 
* XX/XX/XXXX - Request for police report made online. Printed verification and added it to my Fraud Case
Product: Mortgage

I received a mortgage statement with an escrow shortage of {$560.00} My bill will be increased if not paid. I want to pay the shortage in full. PNC bank will allow me to pay the shortage however, they will not allow me to pay the shortage for taxes. I do not want a mortgage increase of any kind. I know they would like to increase my monthly bill in order to charge more interest. My bill has already increased in the past years. I have called PNC bank on XXXX I spoke so someone by the name XXXX and suddenly she could not hear me as I was stating my issue. I was then disconnected. I scheduled an appointment to visit a branch. On XXXX I went in to speak to someone in person. XXXX XXXX tried to help however, the lady on the phone would not allow me to pay the additional {$370.00} in full. She said it must be spread throughout the 12 months. That is just giving them more interest money every month. Refinancing is a ripoff if afterwards they continue to find ways to increase your mortgage especially if you request to pay any shortages in full. 
XXXX XXXX and I both asked the PNC mortgage representative why I am not allowed to pay the {$930.00} in full. MY answer is so they can charge more interest. Because they have no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX 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

I have contacted the consumer reporting agency several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and they are aware of this. This is aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused anxiety beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % correctly. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I have requested investigations into these accounts on the following days only to have them still remain on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that is reporting late payments in XXXX and XXXX of 2017 which is incorrect. I was never late on this account and Experian is the only credit reporting agency reporting this information. The account name is XXXX XXXX XXXX XXXX and listed with no account number which is a violation of the FCRA. Furthermore, the statement on my credit report says that it was " past due two or three times ''. This is not accurate reporting and does not meet FCRA guidelines. I am requested that XXXX XXXX XXXXXXXX XXXX  submit an AUD to Experian to fix this error, and they stated that Experian is reporting the status incorrectly, not them. XXXX and XXXX do not report this error. At this time, I am only asking for this account to updated to paid as agreed or removed from my credit report. If this is not fixed within 30 days, I will have no choice but to proceed with legal action due to clear violations of the FCRA and defamation of character. Please see the attached credit report and update this account immediately.
Product: Debt collection

This company is charging me internet rate on the balance that I do not owe! Per the contract I treat can not accrue until after two years. They are consistently reporting to the credit bureau that Im a delinquent on my past due balance in which I should not have a Balance with SYNCB/ROOMS TO GO. I was supposed to receive a credit to my account since when they delivered my box spring it was damage by the movers. My boxspring that I never was reimbursed for it is documented in their system because I have called them several times about the situation, and when it happened I do not owe a balance to them.
Product: Mortgage

I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation. 

Well this explains most of it? 
Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups. 
Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report. 
XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups. 

I will bring all you dirt bags down who have committed fraud against me. 

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

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX TX. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  OF ) XXXX Balance Owed : {$1000.00}, XXXX ( Original creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$720.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$650.00}, XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00}, XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this account was closed in XXXX of XXXX, I had been behind on payments then settled and closed the account. 
In XXXX of XXXX, they have reported that I am over XXXX  days behind on the account. 
The account that has been closed with no balance for XXXX and a half years. 

I've asked them repeatedly to remove this but they refuse as they say it was accurate information in XXXX. 
I need this removed from my credit report as it is seriously negatively effecting my credit. 

Note : Page XXXX of the attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX WAYPOINT RESOURCE GROUP ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813
Product: Credit reporting or other personal consumer reports

Personal Statement I have been XXXX  for XXXX  years from XXXX and I recently viewed my credit report and my personal information was used illegally without my consent nor my permission and my credit was used without my knowledge, This account ( XXXX  ( Original Creditor : XXXX XXXX XXXX account XXXX XXXX, are fraudulent and must be deleted immediately and was did illegally and must be removed under 15 U.S. Code 16815-2 ( B ) of the ( FCRA ) fair credit reporting act and must be removed immediately this account is fraudulent and was made without my consent. my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. This account is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen My information has used it illegally to apply for a Phone account with XXXX XXXX that was later sent to a collection agency XXXX XXXX XXXX, this illegal account are reported illegally on my XXXX XXXX report, XXXX report, XXXX report, and Trans Union report. It must be removed. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. This account are unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). This account XXXX  ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, are unauthorized and fraudulent please remove this thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to you again regarding a persistent error on my credit report, in which late payment is inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX for the account number XXXX late payment is reported dated XX/XX/year>,. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed the correct paperwork according to the FCRA and disputed my credit reports. These disputes are not being processed correctly and my paperwork is not being attached. And I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX
Product: Checking or savings account

i earlier filed a complaint XXXX bank of america has not resolved the issue yet and i think this shows that they are not prompt at addressing customer complaints i received XXXX international wire transfers and Bank of America has charged {$15.00} fee each - I have received international wire transfers in other banks too and they waived their fees. I have been Bank of America customer for XXXX years in a very good standing and I would appreciate if they waive those fees