23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter in the mail about a debt that is not mine. I called the collector and gave them the reference number and the last 4 digits of my social security number and they told me that they could not verify me. SO i reported to them that the debt was not mine and that they needed to remove my name and address from their system. I am just hoping that they do so, but the whole thing sounded very suspicious, considering my name and address that they sent this letter to, I have only been at for XXXX  years and they debt they are claiming is from XXXX.
Product: Payday loan, title loan, or personal loan

I have used XXXX  multiple times before for loans and refinancing of them, all of which were paid in full. 

After refinancing a loan as I had previously done, I contacted XXXX   on the XX/XX/XXXX because I could see TWO loans on my credit report and I was receiving emails regarding a past due balance when I only had ONE loan. 

The XXXX  customer service rep advised the following ; Looking further into your question regarding the two loans that are showing up on your credit report it is showing due to you refinancing your loan is the reason it's reporting that at this time as soon as your loan is paid off it should reflect as only one loan. I continued to make payments and paid the balance in full on XX/XX/XXXX. 

When I log into my account it shows no payments are due and that the loan is paid in full. ( I can not make any payments online because there is no outstanding balance ) I have now received a XXXX in the mail on ( XX/XX/XXXX ) for a cancellation of debt. XXXX  have reported to the IRS that they have canceled {$1200.00} of debt. I have contacted XXXX   multiple times to resolve and am having XXXX cooperation. They said they conducted a thorough investigation ( yet provided no details of such ) and have said that their records are correct. 

I complained via the XXXX ( complaint ID XXXX ) and they have pointed me in the direction of www.consumerfinance.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX   XXXX never late How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. This is unacceptable! Please fix this.
Product: Credit card

USAA has the worst customer service. I could not get proof of insurance so I changed to XXXX. You call and wait on hold forever. I tried calling numerous times. They can't verify me since my phone changed to XXXX XXXX XXXX. I got an email today saying there was fraud on card. I tried calling in the morning. The automated syste. m would not verifty. I called again and got insurance. They transferred me to a XXXX who would not help. It is like the XXXX time trying to get in. XXXX them. They are hastle to deal with. They are a bunch of money grubing XXXX.
Product: Credit card

USAA Credit Card Issue : Debt Settlement Ignored, Misrepresentation, Fraudulent Practices USAA failed to honor my Accepted for Value ( A4V ) and Redeemed in Lawful Money process, which lawfully settles the alleged credit card balance per 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), 50 U.S.C. 5118 ( b ) ( 2 ), Public Law 73-10, UCC 1-308 , UCC 3-402, and 15 U.S.C. 7001 ( UETA Act ). USAA issued a 1099-C cancellation of debt while still attempting collection, which is fraudulent and unlawful. The XXXX Treasury is required to settle the remainder, but USAA is obstructing the process. I demand that my credit card balance reflect {$0.00}, be reported in good standing to credit bureaus, and my account be restored to a {$2500.00} credit limit with new cards issued immediately.
Product: Credit reporting

Just Looked at My Trans Union Credit report dated XXXX/XXXX/2017 Found these numbers on there that are not mine : XXXX XXXX XXXX I do n't know where they got these numbers from what billing or documentation there is for these but I do n't subscribe.
Product: Debt collection

I have been fighting with this company fair credit and outsourcing since 2019. I have sent police report, and XXXX to XXXX numerous times and this debt is still reporting to my report. I have all receipts that are certified and I am sick of them still reporting to the brueau. I also sent to XXXX the court documents from the courts stating the case was dismissed due to lack of evidence. They need to remove this XXXX from my credit report
Product: Checking or savings account

On XX/XX/XXXX at XXXX i went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ) atm machine to try to withdraw XXXX XXXX The screen told me transaction declined, no money came out, so I tried again but for XXXX XXXX the transaction was approved and i got 100 . The declined transaction took my money out of my bank ( XXXX XXXX XXXX ) anyway so I tried to dispute it. Earlier in that same day I had made multiple other XXXX $ withdrawals from a casino, and there were also two withdrawals totalling XXXX $ i do not remember making, as i believe my drink was spiked after making a lot of people mad. When I asked the casino dealer standing at the table where i made the XXXX $ withdrawals ( there's a little card reading machine similar to a gas station 's machine ) about the largest transaction, she didn't know what I was talking about. I went through my bank and made a police report to try to dispute the XXXX and XXXX $ withdrawals, but they're saying there was no suspicious activity and they took my money anyway. Now they're trying to take the XXXX $ from the declined transaction, and i know with 100 % certainty that my bank is in the wrong. I am not the only one this has happened to, something very similar happened to a XXXX XXXX, but drugged at a different casino and involving millions of dollars. I was unable to get drug tested as I had to sleep and go to work or risk getting fired, and the detective told me there wasn't any video footage of the day i went to the casino, convenient. I had to borrow from moneytree just to pay the bills, now i owe them XXXX XXXX my account is nearly in the negative and i am alone in this fight. I have spent thousands gamblingand drinking before this fiasco, and not once have i ever disputed that money that i lost until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and TransUnion on XX/XX/2022 to investigate my account. Here is my tracking number for certified mail : XXXX XXXX XXXX It has been over 30 days and I have not received any investigation results. These consumer reporting agencies are in violation. 

According to 15 usc 1681i, XXXX, XXXX and Transunion have 30 days to investigate and send me the results. 

I have all evidence attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., 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
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX, XXXX and Experian have violated my rights reporting These fraud Accounts The 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs 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

This is a complaint regarding XXXX XXXX. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due.

They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my XXXX vehicle lease with XXXX XXXX, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account XXXX XXXX XXXX, XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>2024 I received an email around XXXX XXXX  that my card was activated following that email came in several account alerts that my cards were being used at several different merchants. With that being said, I had never use the cards and they were in my safe with the stickers on them and never activated the day all this happened upgrade went through a merger and another bank took over the accounts so I feel this fraud could be an inside job. I tried to log into my Upgrade account and I got a message that said Access denied. I then called upgrade and spoke to a representative and as I was on the phone with her, I was able to log into my account and confirm that the activity that was pending was fraudulent I was told to wait until the transactions posted and I could dispute them. I mentioned to the representative that I have never used this account in the manner of swiping the card as a line of credit. If I needed funds, I would just advance it into a checking account and use them that way. The agent assured me that they would do a full investigation on this claim, I received an email a couple days after the claim was filed that my claim was denied. I called back Upgrade and requested my claim to be reviewed and it was reopened, but not without a battle. I supplied a police report and a written statement that I was willing to prosecute whoever made these fraudulent transactions. I then received an email on XX/XX/year>2024 that the claim once again was denied I asked them to explain to me why as I did not make these transactions and the agent told me because there was no fraud pattern. I then asked to be transferred to a XXXX that told me there was nothing else she could do. The claim could not be reopened again, and it was denied. This type of treatment is unfair as I did not make these transactions and I should not have to pay for something I did not do as I am a victim of fraud. u Upgrade should do a chargeback to the companies that the fraudster used my card. I feel Upgrade did not do their due diligence and request information and surveillance from the merchants to support my statement that I did not make these transactions. Times are tough and money is tight and upgrade just does not care about their clients and does not do a thorough investigation to be able to come to the resolution of this fraud and see that these transactions were not done by me. As the client, you can not even speak to the dispute, chargeback fraud team, you have to speak to a Customer service agent who puts you on hold while they communicate with the fraud team. I will be seeking legal representation as this is not right. I feel like they labeled me as a liar and that they feel I did these transactions. The verbiage they used is no fraud pattern
Product: Student loan

Hi, I am embarrassed to say that I've been paying on my student loans since XXXX. I graduated in XX/XX/XXXX. My husband was in the military and after we settled in our first duty station in XXXX, I received calls to consolidate my loans. This was done with Sallie Mae and later transferred to Navient at 8 %. I had total student loan debt {$25000.00}. I was told to defer payments and when I got a job, I started paying in XXXX. Over the years I was steered into payment plans to lower my payments so I could afford it but never told to apply for income driven payment plan or that it was an option. I was put into income sensitive repayment. I asked if this is the plan to have forgiveness after so many years paying and the Navient rep said it was. For years, I just renewed my income as they needed. A few years ago, I asked how many more years before it is forgiven. It was at that point, I was told I was in the wrong plan for that. I tried to apply for IBR, but at a $ XXXX salary, I didn't qualify. 
I reviewed all of my past payments, and since XXXX, I have paid Navient a total of {$45000.00}. However, my debt as of today is still more than I originally borrowed. It is at {$34000.00}. 
I am defeated. I don't know what else to do. Navient steered me so wrong from the beginning and I have paid and paid. I can't see a way out of this debt. I can't afford to pay anymore a month than I already do. Please help! 
Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received notification from XXXX on XX/XX/XXXX that Navy Federal Credit Union reported me 30 days late in XX/XX/XXXX. However, I have never been late and the attached credit card statement show my XXXX payment was received on XX/XX/XXXX. The payment was due XX/XX/XXXX per statement attached. I personally went to the bank to resolve this issue and the Customer service rep was confused why this was reported. They advised me to dispute this as well.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX XXXX XXXX : {$490.00} XXXX XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXX/XX/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
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies. I sent a letter to Equifax on XX/XX/year> asking them to investigate these accounts XXXX XXXX into XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and sent it out. They never responded but according to 15 USC 1681i ( 5 ) I see it states after any reinvestment under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. Unfortunately, Equifax did not reinvestigate and violated my right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  was on a loan modification and XXXX failed to do proper research and put inaccurate information on my credit profile regarding XXXXXXXX XXXX XXXX.Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : XXXX has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, XXXX improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that XXXX  faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.
Product: Mortgage

I 'm writing to provide additional information regarding the complaint I started on XXXX XXXX, 2016 [ Case number : XXXX ]. 

I 've received the response from Freedom Mortgage through CFPB, and disputed the response they provided. I 've also looked at my statements closely since my original complaint and found that even on the statements that the company has sent me when my account was paid ahead, Freedom Mortgage specifies that {$0.00} of my payment for the next due date would be applied to interest. However, as they received my subsequent payments, I was still being charged interest for advanced payments. I had since been slowing down my advanced payments because Freedom Mortgage has been so adament about refusing to reverse the additional interest charges that I was afraid I 'd be spending more money than I actually owe on my mortgage, however, given this new realization, I 'd like to redouble my complaint against Freedom Mortgage, and subsequently XXXX who purchased my mortgage from Freedom Mortgage while Freedom Mortgage continues to service my account.