23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Diner 's club sent me new cards in XXXX and I cut them up and enclosed them with the statement and the new annual fee with a written note to close the account since I had not used the card in over a year. The annual fee was {$130.00} they did not close the account and contiue to charge late fees. Diners Club has continue to call and XXXX me and when I try and return their call they put me on hold - wait XXXX mins then disconnect me. 

This should be a simple transaction- they refuse!! Closing an account to avoid annual fees should be simple and easy but they make it more difficult than a normal person should be subjected too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Product: Debt collection

I received a notification from JEFFERSON CAPITAL SYSTEM stating that I owed a debt for a service I allegedly used from a company name XXXX. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from XXXX notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both Jefferson Capital Systems and XXXX and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. 

XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite consistently making on-time payments, this account is reflecting negatively with a late payment status., I discovered multiple billing errors that violate the provisions outlined in 15 U.S. Code 1666 ( b ) regarding billing errors.
Product: Debt collection

I wrote Delmarva Collections a verification letter about a debt on my credit report and mailed it by certified mail on XX/XX/2018. I received in the mail yesterday a response with my original letter with the words written on it, " account #?? ". I do not know my account number. I thought sending my letter back with words written on it was very unprofessional. I am an consumer trying to get a debt collector to verify a debt that has been posted on my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from my previous employer, XXXX XXXXXXXX XXXX I agreed to a 2.37 % interest rate for 4 years at {$660.00} a month. The cash price of the vehicle was {$19000.00} and I put a total of {$1000.00} down, {$500.00} cash, and {$500.00} trade-in value from my XXXX XXXX XXXX. After completing the transaction and filing out the loan application paperwork I continued my work for the day as usual and went about my day thinking I made a great deal. I was told I would be handed the copies of any paperwork by the end of the day and then I thought maybe by tomorrow, then maybe next week and then I was terminated on XX/XX/XXXX. I had asked numerous times for my paperwork and I was never given it. I attempted to call both XXXX and XXXX after my termination but never got a response until my tags came in which I went to go pick up as the were closing one day in XXXX. I received an envelope with my tag and what I thought was all the paperwork I had requested numerous times before but, when I got home and opened it there was just my tag and registration along with a service package placard that I didnt request but was charged for. STILL, no loan paperwork. I called Santander on XX/XX/XXXX and asked if they could provide any of the documents that they may have received from XXXX XXXXXXXX. I got an email that day from XXXX XXXX XXXX '' with the contract with the FORGED signature. XXXX XXXX only sent one document which was sent from XXXX. I have no idea who XXXX XXXX even is. I never would have agreed to pay over {$47000.00} which included the interest for an economy car worth {$20000.00}. 
I stopped making payments in XXXX of XXXX because I wasn't getting my debt validated. After I got the contract from XXXX XXXX XXXX '' on XX/XX/XXXX that I could never get from University XXXX I opened up a dispute with XXXX on XX/XX/XXXX as this is NOT my signature on this contract. I opened up a dispute with XXXX and XXXX on XX/XX/XXXX. I have all the proof that is needed to prove that this signature is not mine. Today, XX/XX/XXXX when I woke up my car was missing. I suspect but don't know for a fact, that my car was repossessed. I called the XXXX XXXX Police Department. An officer came out and said this is a civil matter and they couldn't help me. I have sent an email today to the XXXX email address that sent me the contract to let them know it was missing and all of my ID 's, passport, cash, credit cards, personal information and parts for customer vehicles was in there. I asked in the email if they in fact did pick it up, where is it? I have had to cancel credit cards, order a new drivers license, order a " lost '' passport and spent numerous hours doing so. Despite me reaching out to try to get this debt validated. I have never received a debt validation letter. Just an emailed contract with a FORGED signature on XX/XX/XXXX from XXXX XXXX XXXX '' who ever they are. The signature on that contract from XXXX XXXXXXXX is XXXX XXXX the secretary/treasurer at XXXX XXXX XXXX I have attached to this complaint all documentation supporting my claim.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Employers : XXXX XXXX XXXX XXXX XXXX XXXX, CA These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

Select Portfolio Servicing is the servicer on mortgage. We were with XXXX to XXXX  XXXX XXXX ( in middle of a modification ) and flipped to SPS. Note is purportedly with XXXX XXXX XXXX  XXXX. 
We have requested A modification from SPS thru HUD approved agencies 6 times and directly to SPS a total of 7 times. 
SPS always misplaces or loses documents and has refused to modify loan. They offered a trial payment a few hundred dollars less than current mortgage payment. 
On XX/XX/XXXX, SPS sent a letter to our homeowners insurance company - XXXX - saying SPS initiated a foreclosure on property in XXXX! 
This of course cancels our home insurance and will necessitate FORCE PLACED insurance thru SPS. 
SPS is not licensed to conduct business in PA and as I understand a servicer CAN NOT initiate a foreclosure.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on XXXX. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
APPLE CARD/GS BANK USA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$9800.00}, {$9500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/ Dear TRANSUNION, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit reports with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX - XXXX Amount : {$4500.00} Party Owed : XXXX XXXX Amount : {$190.00} I am disputing this account due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Money transfer, virtual currency, or money service

No customer service, they would close accounts for no reason
Product: Bank account or service

Chase took all my transactions from yesterday XXXX that were not pending when I did them like cash withdrawals and pushed them out a day later and charged me 2 overdraft fees when the XXXX are you going to stop chase bank from juggling when things happen as to make more in overdrafts I think they implemented a new algorithm after first of year all transaction that I saw complete on XXXX were pushed off to XXXX XXXX. This makes perfect sense because how the XXXX would I be able to withdraw cash if I was overdrawn they are screwing us again by taking transactions that happened over weekend and not processing for XXXX bank days that 's a joke if I used over weekend should process on tue especially cash withdrawal why are we letting them do this. You mean to tell me chase ca n't even post cash withdrawals from an ATM for two bank days that 's XXXX.
Product: Credit card or prepaid card

Bank of America provided me with a 0 % balance transfer offer as long as I made the minimum payments ; even while making the minimum payments, I was still charged interest on a monthly basis. I filed a complaint against BOA before and the refunded my interest payments, but continued this deceptive practice. The total interest I was charged was {$14.00} plus an additional {$160.00} in fees.
Product: Credit reporting or other personal consumer reports

I have send a previous letter with the fraudulent inquiry but it has not been removed from my consumer file. 
On XXXX XXXX XXXX XXXX was added to my file without my consent. Delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX    Has  not answered any of my debt validation letters. They are not licensed to collect in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sterling Infosystems has mad inaccurate information for my background check. Both times I was involved in a class-action lawsuit due to the erroneous information on my background and credit file. 

The company used someone else background with the same name and birthdate as mine. This person has a record and I was unable to obtain employment by United States Postal Service due to the wrong information.

Sterling Infosystems Used my background from 8 years ago. With a perfect record to tarnish my name and used me to not obtain employment with a top University.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter regarding inaccurate, unlawful, and unproven items on my report. Over 60 days later, the company has yet to lawfully handle my complaint as the letter indicated it is not a regular dispute. I am being taken advantage of and the actual complaint is being ignored. Section 611 ( a ) states. Clearly, failure to investigate items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand the accounts be deleted or I will have to resort to filing litigation for the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. Keep in mind, XXXX did a thorough investigation and truly looked into my complaint and complied based on the federal guidelines.
Product: Debt collection

1) At time of sale with XXXX XXXX XXXX XXXX, their financial portal on the salesman’s screen of his phone read A) 9% APR B) 24 months interest free2) greensky sent a faux contract letter in the mail, stating my APR to be 3x (26%) as what it was at time of sale, and 6 months shorter (18 months) of I was also promised payments wouldn’t start until the project is complete, and the project won’t even start for another 2 months.Greensky is a sketchy company with shady APR. this is the second time they’ve done something like this to me. They have a policy of deceiving at the Point of sale.As you can see in the pictures below the salesman even signed into the contract “24 months interest free”I have tried to call several times, only once getting through the barrage of “select this number if you are...” to the right person, and they told me it’s the sellers fault. Which isn’t even plausible.
Product: Credit reporting or other personal consumer reports

My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurately and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX  XXXX - Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt exists XXXX XXXX XXXX - Account Number:XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment XXXX XXXX XXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX - Account Number:XXXX This is not mine. 

XXXX - Account Number:XXXX  THIS CONTRACT IS CANCELED XXXX - Account Number:XXXX I don't recall having late-payment on this account
Product: Money transfer, virtual currency, or money service

Between XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX  which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm.
Product: Debt collection

This Company is reporting fraudulent information on my account it has the wrong addresses social security numbers names Ive check on annual credit report and seem inaccurate information code USC 15 1681 supports my concerns that agencies should report accurate information I checked all credit bureaus that this company is reporting false information can you check into this matter please
Product: Debt collection

Re : XXXX XXXX XXXX Last reported XX/XX/2022 {$730.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Please send the following information used to verify the validity of : 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been roobed out recently and lost every thing and submitted the police report also to remove my bad credit histroy where done by some one who robbed out and i am facing the problem when i apply for new credit cards or loan geeting rejected due to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2017 The above inquiry is fraudulent please investigate and remove.
Product: Debt collection

in accordance with the fair credit reporting Act this account professional debt mediat is still reporting on my credit this account has violated my rights to privacy 15 U.S.C. 1681 section 604 A sections 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. please delete the account off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on report does not belong to me. I have disputed and asked for information showing accurate information and what information reporting agency recieved showing validity of account and never recieved information. I have supplied police report and report to fcra and still inaccurate addresses and accounts remain on my report with no proof of accuracy. I have supplied this information to XXXX, transunion and XXXX and still no correction.
Product: Student loan

I requested a refund for my student loan payments. They told me it will take 150 days to process that refund. This is after the deadline for student loan debt cancellation. So they are essentially trying to get out of having my refund cancelled. This is ridiculous.