23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditors that certified the accuracy and completeness of the information/account. 
XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX was XXXX of the first companies that was willing to extend credit to me. I am writing to humbly request that you would be willing to make a " goodwill '' adjustment to your reporting to the XXXX credit agencies. I have XXXX late payment on XXXX XXXX Account # XXXX, from last month XX/XX/XXXX. I have never had a single missed payment and this one was due to me switching my autopay bank account details.
Product: Student loan

I am happy to provide much more detailed experiences if need be ; but in essence, my complaint is the fact that Sallie Mae charges unrealistic interest rates in effort to obtain financial slavery over its ' borrowers. In addition, they are completely unwilling to assist their borrowers in lowering monthly payments or forgiving interest. 

I graduated college in XXXX. I begun making 'full ' payments to my 2 Sallie Mae loans in XXXX, of over {$640.00} a month, on roughly {$38000.00} borrowed. Until then, I was making the {$50.00} a month good faith payments. 

Fast forward to this month XX/XX/XXXX, I have paid my loans in full, on time, with the exception of 3, 3-month periods of forbearance over time. I now owe Sallie Mae XXXX $ XXXX, while my payments to them over the years have totaled well over {$46000.00}. 

My 'estimated ' payoff date is XXXX which means they intend to profit double what I borrowed ; when I have already paid back what I borrowed and then some. 

I contacted them to attempt to re-negotiate my payments, interest rates, etc and in short *they* have decided I am able to make the monthly payments. Which I suppose is true if they also expect me to be homeless and hungry. There was no offer to truly assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX XXXX Opened XX/XX/XXXX {$7100.00} Original creditor : XXXX XXXX  PUBLIC RECORDS Reported on XX/XX/XXXX {$0.00} Overview Reference Number XXXX There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this complaint is regarding a collection that has been added to my credit and I have been working with a representation name XXXX since XXXX. This is so unfair. I been provided wrong information and now this is effecting my life. Your company has added this collection to my account wrongfully. I have been working with XXXX since XXXX faithful every month. I would also like to point out that XXXX is a wonderful friendly person as well but I was advised that as long as I made a payment of the {$15.00} every month that the account wouldnt be added to my credit. When I seen it was reported on XX/XX/2018, I contacted XXXX and the only thing she could do was apologize to me. There were thing she told me that was the first time I heard any of them. We have spoken almost every single month since this was reported to your office. If I call and XXXX isnt available, I wait to talk to her because I love working with her. We have built a strong relationship. This collection has dropped my credit 40 point on XXXX, 25 on XXXX and Im not sure of XXXX because it hasnt been updated yet. I have held up my end of the agreement with XXXX to pay this balance and it isnt fair or right that your company isnt holding up theirs. Just like your company expects for a client to keep their word when they make promises to pay. Your company should keep the same trust to the client. The only thing I have had to go by was the word of your employee. I trusted your companys employee word. This account needs to be removed from my credit at once.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$4200.00} EXETER FIN XXXX XXXX : {$23000.00} XXXXXX/XX/XXXX XX/XX/year>XX/XX/XXXXXX/XX/year>
Product: Student loan

Urgent Assistance Needed with Sallie Mae Student Loans I am reaching out to report ongoing issues with my Sallie Mae student loans, which are about to go into default on XX/XX/year>. Despite multiple calls to Sallie Mae, I have encountered significant challenges in resolving my situation. 

XXXX. Dates of Contact : - I have called Sallie Mae several times in the past few weeks ( specific dates N/A ) to discuss my loan status.

2. Actions Taken : - During these calls, I requested an additional forbearance period, explaining my current unemployment status and inability to make any payments. Unfortunately, I was informed that they could not grant me another forbearance.

- Sallie Mae has offered lower payment options ; however, even these reduced amounts are still unmanageable for me due to my lack of income.

3. Account Status : - My loans are currently set to go into default in two weeks, and I am deeply concerned about the implications for both myself and my grandfather, who cosigned the loans. 

4. Desired Resolution : - I am seeking assistance in obtaining a forbearance extension so I can continue my job search without the pressure of defaulting on my loans. 

I appreciate your attention to this urgent matter and look forward to any assistance you can provide in resolving this issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

I'm contacting you regarding fraudulent personal information linked to my identity. Several accounts and transactions have been wrongly attributed to me without my awareness or approval, causing me considerable XXXX. I've been a victim of XXXX XXXX  and have already reported this incident. This situation urgently needs addressing, as it's negatively affecting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide any required evidence and, if necessary, take legal steps to protect my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Product: Debt collection

portfolio recovery has called up to weekly to collect on a debt b y some one with  same name. It is not my debt and I dont feel I should have to respond.I also should not have to do their work.If they did their proper due diligence they wouldnt have to harass peo ple needlessly.They ha ve called in the past I told them it wasnt me and stop calling .The calls have resumed  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .6  months ago I informed a  XXXX   XXXX  from  portfolio recovery   XXXX  Virginia  XXXX   XXXX   XXXX   XXXX  to  stop harassing as th ey had wrong person
Product: Credit reporting or other personal consumer reports

- Name : XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX - Phone : ( XXXX ) XXXX - Email : XXXX XXXX XXXX : - Company Name : XXXX  - Address : XXXX XXXX XXXX, UT XXXX Complaint : I am submitting this complaint to request the deletion of the XXXX late payments reported on my credit report for the XXXX  account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I request that the CFPB take immediate action to mandate the deletion of these late payments and update my account status to current.

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

4. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Credit reporting or other personal consumer reports

This is a complaint against TRANSUNION. For nearly a year I have been blocked from opening new bank accounts, credit cards because of NOTICE OF ADVERSE ACTION issued by TRANSUNION. Recently i bought a car with cash but for some reason the dealer did a credit check also. Now a month later I got a letter from the dealership stating we had been denied due to negative report. I have excellent credit, no debt and substantial funds to cover any large purchases. I can't understand why this is happening. XXXX and XXXX are not doing this. Is there a way for me to keep TRANSUNION out of my business?
Product: Credit reporting or other personal consumer reports

I refinanced my vehicle from XXXX in XX/XX/XXXX. I received a notice that a late payment would be reported to the credit bureaus if payment was not made by XX/XX/XXXX. My payment was received on XX/XX/XXXX for the full payoff amount. XXXX later reported my final XXXX as late causing my credit score To drop significantly. I disputed the inaccurate information immediately following the negative report.
Product: Debt collection

I am writing to file a complaint against Resurgent Capital Services XXXX for their ongoing violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Nature of the Complaint 1. Failure to Validate Debt : Resurgent Capital Services has been attempting to collect a debt that I do not owe. Despite my repeated requests over the past year, they have failed to provide proper validation of the debt. The only documentation they have provided is a copy of a final bill, which does not meet the legal standard for debt validation under the FDCPA.

2. Threatening Legal Action in Violation of Contract Terms : In XX/XX/year>, they sent me a letter threatening legal action. I responded on XX/XX/year>, reminding them that my original agreement with XXXX XXXX contains a binding arbitration clause, which precludes either party from seeking judicial relief prior to arbitration. As the purchaser of this debt, Resurgent is bound by the same terms.

3. Credit Reporting Issues : Despite their failure to validate the debt, Resurgent is now reporting the account to credit bureaus as closed. This reporting is inaccurate and misleading, as the debt remains unvalidated and disputed.

4. Harassment and Intimidation Tactics : Their threats of legal action appear to be an attempt to intimidate me into paying a debt I do not owe. This conduct is both unfair and unlawful.

I have attached the following to support my complaint : - Copies of correspondence between myself and Resurgent Capital Services, including their failure to validate the debt. 
- Their letter threatening legal action dated XX/XX/year>. 


I believe that Resurgent Capital Services is engaging in unfair and deceptive practices in violation of federal law. I respectfully request your assistance in resolving this matter and ensuring that my rights as a consumer are upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is preventing me from accessing the results of my credit report dispute. I was able to log into the system to start the dispute but when I went back to get the results, it did not let me back in or recover my login.
Product: Credit reporting or other personal consumer reports

XX/XX/year> CareCredit Synchrony Financial XXXX XXXX XXXX XXXX, OH XXXX Subject : Cease and Desist Account Ending in XXXX Dear Sir/Madam, I am writing to formally request that CareCredit and Synchrony Financial cease and desist all unauthorized activities regarding my CareCredit account ending in XXXX. I have become aware of the negative effects to my credit score. 

This activity is causing undue stress and harm to me, and I demand that you : 1. Immediately cease all collection attempts. 
2. Conduct a thorough investigation of the matter and provide me with a written response within 30 days from the date of this letter. 
3. Ensure that any errors or unauthorized actions on my account are corrected and that my consumer rights are fully respected. 

If this matter is not resolved to my satisfaction within the stated timeframe, I will be forced to pursue all legal remedies available to me, including filing formal complaints with consumer protection agencies such as the Consumer Financial Protection Bureau ( CFPB ), or taking legal action to protect my rights. 

Please regard this letter as a final warning before escalation. I expect a prompt and appropriate response. 

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

I have a XXXX XXXXXXXX credit card showing on my credit report that was closed due to fraud charges. I was never issued a new card and the account was closed completely. XXXX XXXXXXXX is now reporting a balance on the closed account when it should show {$0.00}.
Product: Credit card or prepaid card

In XXXX, I have called Citicard to cancel my Citi AAdvantage premium select card ( card number ending XXXX ) to avoid any annual fee. The agent talked me to upgrade to a Citi AAdvantage mileup card ( card number ending XXXX XXXX to avoid annual fee and will remove the annual fee charges on my AAdvantage premium select card. I agreed. However, after a couple of weeks, I noticed the annual fee still on the statement. So I called and was assured that the fee will be removed after the card is transitioned to the mileup card. 

After the card has been transitioned, I still see the annual fee, plus interest charges. So I called citicard again and demanded them to remove these fees and close this credit card account. I was told that they will take care of it and send me an email confirmation. 

I still see the charges on the statement, Citicard has mislead me many times, I'm not sure how to get help at this point. I hope you can help me. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX, account number XXXX XXXX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit card

on or around XXXX XXXX, 2016, I CONTACTED CITI CARDS AUTOMATED SYSTEM TO MAKE A PAYMENT, BUT THEIR AUTOMATED SYSTEM REFUSED MY CHECKING ACCOUNT INFORMATION AND CONTINUED TO DO SO, DESPITE HAVING TO CALL BACK SEVERAL TIMES AND INPUTTING THE CORRECT INFORMATION AGAIN AND AGAIN. I FORCEDTO SPEAK DIRECTLY WITH A CUSTOMER SERVICE REP., IN ORDER TO MAKE A PAYMENT, EXPOSING MY PERSONAL ACCOUNT INFORMATION. THE REP ENTERED INTO THE SYSTEM, THE WRONG CHECKING ACCOUNT INFORMATION AND CAUSED SEVERAL FINANCIAL ISSUES INCLUDING BUT NOT LIMITED TO A REFUND OF THE PAYMENT OF {$35.00} ; A RETURN CHECK FEE OF {$27.00}, ; INTEREST OF {$23.00} ; AND THE COST AND TIME OF CONTACTING THE COMPANY ABOUT ALL THE COST INCURRED. I SPOKE TO A SUPERVISOR, ON OR AROUND XX/XX/2016, AND HAD TO REQUEST THAT THE INTEREST AND FEES BE REFUNDED TO MY ACCOUNT DUE TO THE COMPANY 'S ERRORS. I WAS TOLD THAT THE FEES WOULD BE RETURNED TO MY ACCOUNT, HOWEVER SHE SAID I WOULD ONLY GET ONLY XXXX CENTS OF THE {$23.00} CHARGED IN INTEREST RETURNED TO ME. UPON ASKING HOW SHE CALCULATED ONLY XXXX CENTS WITHIN LESS THAN 2 MINUTE OF SPEAKING WITH ME, SHE LAUGHED AND SAID SHE HAD A CALCULATOR IN FRONT OF HER. I HAD TO REQUEST A CREDIT TO THE ACCOUNT COST FOR THE ERROR ; THE TROUBLE AND INCONVENIENCE AND ALL OTHER COST I SUFFERED FROM, SHE STATED SHE WOULD AND THAT SHE WROTE IT ON HER CALENDAR AND THAT SHE COULD NOT PUT IT INTO THE SYSTEM, BUT SHE REFUSED TO SAY ANY AMOUNT BEING REFUNDED. THERFORE ON AOR AROUND XX/XX/2016, I CALLED CITI CARDS FOR MY ACCOUNT BALANCE TO PAY OFF MY BALANCE, I WAS TOLD THAT THERE IS NO PAYMENT DUE. I WAS TOLD NOT TO MAKE A PAYMENT. THEREFORE, NO PAYMENT WAS MADE DESPITE WANTING MAKING A PAYMENT TO CLEAR MY ACCOUNT OF ANY AMOUNT POSSIBLY DUE. I WAS TOLD NO. ON OR AROUND XX/XX/2016, I JUST RECEIVED MY NEXT STATEMENT WITH NO CREDIT FOR THE TROUBLE, CALLS AND INCONVENIENCE OF WHAT I HAVE HAD TO INCUR PRIOR TO THIS STATEMENT. BUT, THE STATEMENT SHOWED AN INTEREST REFUND OF XXXX CENTS FROM CUSTOMER SERVICE ERROR .. ( NOT WHAT THE SUPERVISOR STATED ) AND NOT THE CORRECT INTEREST AMOUNT. IN ADDITION, I WAS CHARGED INTEREST OF XXXX CENTS OF A BALANCE OF {$23.00}. AN INTEREST CHARGE I NEVER SHOULD HAVE HAD TO INCUR HAD I BEEN GIVEN MY BALANCE ON XX/XX/2016, WHEN I CONTACTED CITI CARDS TO PAY OFF MY ACCOUNT BALANCE IN TOTAL. ONCE AGAIN I HAD TO CONTACT THE COMPANY AND SPENT OVER 40 MINUTES ON THE PHONE TO BE TOLD THAT I WOULD ONLY RECEIVE A CREDIT OF XXXX CENTS OF THE INTERESTED CHARGED ON THE NEW STATEMENT BALANCE AND FURTHERMORE, THAT THEY WILL NOT CREDIT MY ACCOUNT FOR THE MISCOMMUNICATION ON MY ACCOUNT, MISINFORMATION ABOUT MY ACCOUNT BALANCE, ERRORS, AND REFUSAL OF PAYMENT TO PAY OFF MY BALANCE, ALL DUE TO COMPANY ERROR.