23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have written to this company called Swiss Colony and disputed the item on my credit report and requested them to provide documentation bearing my signature associate with the account. They did not do so. I also let them know that the account may be fraudulent as well. I have an fraud alert on my credit files because of this company. I have looked at my credit report dated today ( XX/XX/2017 ) and before that date I did n't see the statement disputed by consumer in the remark area on my credit files. Instead in the remark area : Profit and loss write off. This statement is in the remark area. This company has broken the law called FCRA because they failed to place the statement : " disputed by consumer, '' and I do want the company to delete the entry from my credit files. I have requested this company to provide proof of any documentations bearing my signature with this account. They failed to do so with that being said I want the entry to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXDEPT OF ED 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 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: Student loan

I requested income directed reduced payment forms, I completed the application online, they said they never received it, I asked for a paper form completed the form and returned the form, now they are saying it was not completed so, I asked to be sent the form again, it was emailed to me, I tried opening the form it only opened a summary page. I need to complete this process because I am now retired and have only social security as my income base.
Product: Credit card

I 've had XXXX credit cards with Citibank since XX/XX/XXXX. XXXX is a Thank You card and the other is a Diamond card. On XX/XX/2015 I changed bank accounts and tried to change my autopay to the new banking information on the Citibank website. The Citibank website would not let me do this, so I called customer service. The agent stated that I had to cancel the current autopay with old information and resubmit with the new information. I did this with the agent walking me through the change and it stated the transaction was pending and would take up to 2 business days and the next payment was XX/XX/XXXX. I then received a notice that I was 35 days late ( on the Diamond Card ) in XX/XX/XXXX when I contacted Citibank they said that autopay was cancelled although it still stated that it was pending. ( I took a screen shot of the pending transaction ) This caused a ding on my credit and a few days later they reduced my limit on the Thank you card from XXXX down to XXXX only {$100.00} above my balance without notice, which caused that card to go over the limit. I contacted Citibank customer service 7 times and spoke to XXXX different people trying to get this resolved. Then they automatically pulled a payment from my old checking account ( They told me autopay was cancelled ) and this caused an overdraft on my old checking since I moved all my money to the new account. The last customer service agent hung up on me so I stopped calling. I disputed the ding on my credit but I am not sure where to turn at this point.
Product: Debt collection

I have Contacted XXXX and their collection agent Caine & Weiner about this report on my credit report and ask them to proof of this debt and have disputed it with the credit reporting agencies. All I ask is that they send me proof of the debt or remove it. As I had no relationship with XXXX at that time and was insured by a different insurance company I don't feel XXXX should be reporting this with out proving proof. I can't provide and documents as I was not a customer of theirs at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

I made a purchase online for {$220.00}, while checking out I selected XXXX  but instead it took the whole {$220.00}. I immediately emailed the merchant to cancel my order so that I could repurchase using XXXX. I received no response to my emails so I then disputed the amount with Chase. While disputing, I selected the option that made most sense at the time which was that I was overcharged. Since I selected that reason I had to put the amount I was supposed to be charged which would have been {$55.00} ( the XXXX  portion ). Chase then reimbursed me for {$160.00} but after talking with the merchant who showed proof the total was correct and not an overcharge, they reversed the claim and removed the {$160.00} from my account. So now I have {$220.00} that is taken from my account and I have no product. I called chase multiple times to get my money back but they said they can not reopen a claim as I only have once chance to file it right. I also tried contacting the merchant as they were no help and suggested I take it up with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Experian and XXXX XXXX XXXX. I sent my first verify dispute letter on XXXX XXXX, 2023 to Experian. On XXXX XXXX, 2023, I sent my second attempt to verify that the debt is indeed mine. The collection agency responded with an original contract that is not my signature and there is no date next to the signed signature. The signature reads " XXXX '' which is not my name nor my signature. On XXXX XXXX, 2023, I sent out a letter regarding the lack of accuracy provided with he original contract that the collection agency had sent me. The company ignored my response and did not provide any further proof of investigation. On XXXX XXXX, 2023, I had sent my third validation dispute letter to Experian stating that no further validated documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Experian ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I had XXXX accounts with XXXX XXXX XXXX XXXX which I have paid in full however XXXX, Equifax and XXXX continue to show them as settled for less, not PAID IN FULL. I recently paid them off and XXXX XXXX sent me three letters for each account showing paid in full. I will upload each letter here. When I submit them to the credit bureaus, they refuse to update them. This is affecting my credit report, I cant get a loan and may now affect my employment. I need help and someone to call each bureau and have these three accounts reflect : closed, PAID IN FULL. I have disputed the accounts for the past 30 days, I have called multiple times and written two sets of letters. They are reporting these accounts incorrectly. Please can you help me. 


Thank you
Product: Credit reporting 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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : NCB management service # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
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 ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XXXX and XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ) 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I was contacted several times back-to-back from a debt collector saying they were check and go. They called me several times in the morning. I answered and told two agents I was at work and couldn't talk and that they send me a letter to verify said debt. The one rep who was a male immediately begin to curse at m and say, " Just pay the bill XXXX, we're taking you to court '' and hung up. I told them several times to send me a letter and not to call me during the hours of 8 and 5 pm and that they could send me a letter. They then begin to leave voicemails saying I had a " order of judgment '' against me and It was filed in court on XX/XX/2021. I've asked them to produce a signed contract showing me that I am the owner of this debt and when I said that I was cursed out again and hung up on. I am ready to seek legal action against the company for the constant harassment and scare tactics. They've even threatened that they will be showing up to my job to serve me papers
Product: Checking or savings account

Excessive fees and overdrafts that werent accounted for after complaints still no resolution or refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making another report towards XXXX, XXXX, and Equifax in reference to XXXX account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate
Product: Debt collection

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS  COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I followed up on a letter that I had received from Big Picture Loans in the mail with an online application. My husband had been working minimal hours, and I was in a very tight place. I applied and received my contract - I thought I would be paying around {$150.00} a month for 6 months on a {$650.00} loan. Very steep, but I was in a desperate situation. They called it an installment loan, so I assumed that they are licensed In Maine, where I live. My plan was to pay the loan back within a two week time frame. 

When I logged into my account on XX/XX/XXXXto see what my payoff was, I found that not only did I owe the {$650.00}. but I also owed approximately {$190.00} in interest - for two weeks???? So I looked at my agreement and the payment plan was for {$150.00} biweekly for a 6 month term, which came out to be around {$1900.00}, for a {$650.00} loan! 

I started doing research, and found that Big Picture Loans is really just a payday lender in disguise. In Maine there are regulations on payday loans and the amount of interest that they can charge, and they are not licensed in Maine, on top of not adhering to the regulations on payday loans. 

I immediately revoked the ACH authorization with my bank, and I notified Big Picture Loans of this action, and also revoked the right for them to contact me by phone, so that I could have all further communication in writing. 

OnXX/XX/XXXX Big Picture Loans emailed me to let me know that they were attempting to collect my payments. I emailed them back on XX/XX/XXXX, explaining to them and providing a copy of my state laws and regulations, and let them know that I knew it was illegal for them to practice without a license in Maine. 

I received a " settlement letter '' offer from them on XX/XX/XXXX. This tells me that they know that they are in the wrong, if they are willing to settle on this debt. 

I figured up the info on my loan - {$650.00} loan at 30 % for six months as allowed by law in the State of Maine is {$110.00} per month for six months, for a total repayment of {$700.00}. I offered to mail them a money order for the {$110.00} on the XX/XX/XXXXof each month, starting on XX/XX/XXXX to pay the principle amount of the loan plus the interest at 30 %. 

I received a letter back from them stating that since they are a tribal lender, that they are not required to follow the laws set forth in the State of Maine for lending. I have attached all the emails back and forth to this information. 

I have no issues with paying back the initial loan amount plus interest, as one would expect on any loan, but this is predatory to say the least.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by TransUnion. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$6200.00} from XXXX XXXX XXXX XXXX on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have fallen a couple of weeks behind on an Oportun loan and they are constantly harassing me by phone, harassing the person 's in which I gave Oportun their phone number for reference by telling them that they can not contact me when I have been in contact with them by phone at least once per week and usually twice per week with payments or updates. I received a letter from them today threatening to sue me over the late payments in which they claim that I am 47 days late and have {$230.00} overdue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give them oral or written permission to furnish this information on my credit report. This has caused undue stress for me and my children with trying to purchase a new home.
Product: Debt collection

XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023, I received an email from the XXXX XXXX stating that my account would be billed {$410.00} unless I called XXXX XXXX to cancel. I did call, was given a cancellation code XXXX, and told that I would have to talk to another agent to finalize t his cancellation. That person said I had a credit of {$85.00} and that I had to go online to receive this amount. On their website, the entry for this {$85.00} credit added two zeros, so the amount was {$8500.00} - An obvious error. I received a phone call from XXXX XXXX XXXX that I had to return this amount, but it was reduced to {$7900.00} so that I had assurance that I would not be billed for the {$410.00}. I looked a my 2nd credit union account, and saw that {$8500.00} was illegally withdrawn. I was told on a another call from XXXX XXXX that I had to go to my credit union and send a wire transfer for {$7900.00}, and then I would be reimbursed for the {$8500.00}. I drove to the credit union office that same day and completed the forms for the wire transfer of {$7900.00}. XXXX then called again and said " people make mistakes '', and that I had to send another wire transfer to another routing number and account number. I refused to send him more money until I received the {$8500.00} back into my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized hard inquiries on my credit report. The following inquiries were made without my consent and are a result of identity theft : Company Name : XXXX XXXX XXXX- Date of Inquiry : XXXX Enclosed is a copy of my *FTC Identity Theft Report* and affidavit supporting my claim. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these unauthorized inquiries from my credit report. 
These inquiries were made without my authorization and do not pertain to any transaction initiated by me. I ask that these be removed within 24 hours to prevent further harm to my credit score.

Thank you for your prompt attention to this matter. Please confirm once the inquiries have been deleted. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Had a Wells Fargo mortgage during the time period of complaints. Often they would say we owed more than what we actually did... such as escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was opened fraudulently, company was noticed of this over 2 years ago and still has not received from my credit report.