23daVinci/CFPB_Complaints huggingface dataset:
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 {$14000.00}.

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.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Credit card

MasterCard Barclays offered me 0 % interest with no annual fee as a military member and I use their card exclusively for all my purchases, up until I received a letter dated XXXX XXXX, 2017. In this letter they stated that going forward they would no longer honor my annual fee waiver and that they would charge my account on the next month billing period. This loop hole that is being used to get out of XXXX is not very honorable. They recover funds every time I swipe my card. I understand that the card at 0 % is a great opportunity and I wish that they would not go to the extreme on service members to charge them this fee. I used this card everyday and now I face a {$990.00} charge or close the card and pay off the balance. Most members would be in a predicament under that constraint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX, I was hit by a drunk driver XX/XX/XXXX. XXXX XXXX paid my loan off to XXXX XXXX XXXX and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get XXXX XXXX XXXX to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX . The accounts total balance was XXXX . PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items appearing for medical which are inaccurate and false information. I have tried several times to request validation and nothing has been sent. How is Equifax able to keep these on my credit file? I need help XXXX Accounts # XXXX XXXX XXXX # XXXX
Product: Student loan

As of XX/XX/XXXX, the following payment has NOT been posted to my MOHELA account : Payment Confirmation # : XXXX Amount : {$12000.00} Scheduled For : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX It has almost been a month since I made this payment. This was a 100 % payoff. Interest has accrued by {$60.00} in 20 days. My new balance on this loan is {$13000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected.

Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being.

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hey Im have a problem whit the money of help of coronavirus 19 help for my family this start a XXXX toy day is XX/XX/2021 and they dont give me a solution. Im really need this money bacause Im dont working now about the situation Im trying to fix this problem whit paypal and paypal companie dont give a solution Im really need the help for my family thanks. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a clear billing error here. This account was on auto draft since I first opened it with the same bank account. Somehow their system made an error and they refuse to correct the billing error. The 2 loans that I had out with them somehow went 30, 60 and 90 days In XXXX, XXXX and XXXX of 2020. Theres 2 big issues I have with this. 1 I was never ever contacted by them for any late payments nor was I given an option to rectify the late payments before they through it on my credit report. Where was the grace period notice in this billing error? That is a clear violation because the error was completely on their end and not mine. Two how were they able to report these false late payments in the middle of Covid-19? Does the cares act not take into effect here at all? These payments should not be reporting late on my account due to billing errors but The Lending club refuses to remove these payments further violating my consumer rights.
Product: Vehicle loan or lease

We have a auto loan with Mechanics Bank in the amount of roughly {$24000.00}. I made a principal production payment of {$10000.00} and they took it as two years of payments and are refusing to acknowledge that its a principal reduction, charging us not only fees on the {$10000.00} principle reduction but charging additional accruing fees on a daily basis, like a credit card. This is highly illegal, especially since I wrote on the {$10000.00} payment principal reduction payment only
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$26.00} XXXX XXXX XXXX Balance : {$26.00} XXXX XXXX XXXX Balance : {$26.00}
Product: Debt collection

I received my first contact by mail from Account Resolution Services ( ARS ) on XX/XX/XXXX alleging that I owed a debt and that it would be reported to my credit within 15 days of the letter which was dated for XX/XX/XXXX XXXXI immediately responded to this letter by sending a Validation letter by certified mail on the same date I received it XX/XX/XXXX. I asked for original copies, signed documents with my name admitting that I owe this alleged debt, among other documents. 
However, I did not receive any type of documents providing me with validation of the alleged debt. I then on XX/XX/XXXX sent a dispute letter by certified mail disputing the alleged debt and asking that all negative remarks be removed from my credit file that was reported to the three major bureaus ( XXXX XXXX, XXXX, and XXXX ) on XX/XX/XXXX affecting my credit negatively in a significant way. Not only did I not have the opportunity to respond or dispute this debt in a timely manner before it went on my credit file, my first contact by mail was to tell me it was being reported to my credit by the named company. To add to that I received no documents to validate that I owe ARS or any other company. 
On XX/XX/XXXX I received a letter in response to my validation request from ARS ( Account resolution services ) stating that the debt was verified by them, again this was just a letter from ARS stating this, which is not what I asked for. I asked for validation with proof in the form of documents with the name and address of the alleged creditor among other things that I have not received as of yet. I responded again to tis letter by certified mail stating that I did not ask for a statement of verification from ARS and that they failed to validate the debt and provide me with proof. I asked that because of their failure to do so that the debt be removed from my credit file and closed from their records for good. I also sent a copy of that validation request to the three major bureaus on XX/XX/XXXX and asked that they remove the negative remars from this company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX # XXXX XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

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

Six count Federal, no statute of limitations SEE MY WEBSITE XXXX  : XXXX XXXX  : XXXX XXXX and Navient I have four borrower defense cases with the United States Department of Education against both of these lenders and the games that they have played with my information ( OBSESSED ID THEFT ) down to preventing me from getting my masters degree. Ive applied at several schools. They accept me and then turn around and compromise my ability to attend and slap me with all kinds of loans that were never paid to me, and now I cant even attempt to even attend any college because theyve done so much damage to my credit report theyve done so much damage to my identity. Its been all this internal ID theft, and they will not do anything right XXXX XXXX XXXX XXXX XXXX } | XXXX XXXX XXXX ( since XXXX ) { XXXX BIZ Days to BLOCK ( SENT XX/XX/XXXX, still not done ) } https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX XXXX XXXX Credit Bureau_XXXX XXXX XXXX_ XXXX Business Days to BLOCK | https : XXXX SWORN XXXX XXXX XXXX  XXXXLOST WAGES since XXXX COMPENSATION https : XXXX https : XXXXXXXX XXXX XXXX XXXX XXXX  COMPENSATION_XXXX XXXX XXXX since XXXX XXXX  : XXXX https : XXXX? usp=drivesdk XXXX thru PRESENT TEXAS FBI TERRORISM AGENT XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXXXXXX XXXX TOO BIG TO UPLOAD => SCHOOLS INVOLVED ( XXXX XXXX  OF NC XXXX XXXX, XXXX UNIVERSITY XXXX, XXXX, XXXX UNIVERSITY, XXXX, XXXX XXXX XXXX XXXX thru XXXX XXXX SHERIFF XXXX XXXX  XXXX XXXX ID THEFT_XXXX XXXXXXXX XXXX CORPORATE FINANCIAL FRAUDXXXX ACCOUNT THEFT_INTERNAL BANK ROBBERY AGAINST XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX | XXXX XXXX XXXX, XXXX & XXXX DEPT OF EDUCATION | TERRORISM BUST | US DEPT OF TREASURT | FEDERAL CORPORATE FINANCIAL FRAUD | XXXX & ALL CRYPTOCURRENCIES https : XXXX? XXXX FEDERAL OMBUDSMAN | BORROWER DEFENSE CASES | US DEPT OF EDUCATION | NELNET  Studet loans https : XXXX? XXXX XXXX XXXX XXXX XXXX  XXXX TO XXXX ALL XXXX https XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX ( XXXX XXXX ATTORNEYS ) https : XXXX? XXXX
Product: Student loan

I made a payment of {$250.00} which the company received on XX/XX/year>. This payment has not been credited to my outstanding balance as indicated on their statement dated XX/XX/year>.
Product: Money transfer, virtual currency, or money service

on XXXX XXXX XXXX i purchased a gift card from klarna in the amount of XXXX for a virtual gift card to XXXX as it is offered on Klarnas website, I put the items in my cart and entered the gift card number as my payment method, Immediately after submitting the order I received notice that my order was cancelled and items were cancelled and my account was completely locked. I called XXXX over and over again and they refused to assist me however they did inform that due to a glitch in their system the accounts lock when you attempt to use a virtual gift card from Klarna, Since then I have been trying over and over weekly to resolve the matter. Unable to get my XXXX account unlocked and klarna will have me on hold for hours on end only to get on the phone and tell me i will recieve a communication within 10 days. When i finally get some kinda of real response its a very generic response and i still dont have my money back this is near 90 days of this issues and my funds being held hostage by Klarna . I reached out to the ceo of Klarna XXXX XXXX today via email however if feel this is unfair to me as a consumer and i would like to make a complaint as while shopping with Klarna we are in a lease contract and expected to uphold our end of the agreement however Klarna is not being held accountable to the same standard gift card order was XXXX the order number is XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX. XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$310.00} Inquiries to be blocked : XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XXXX sold my loan through auction for XXXX % of it 's Unpaid Balance ( UPB ) on XXXX XXXX, XXXX to XXXX XXXX, with Fay Servicing servicing the loan. 

On XXXX XXXX, XXXX, Fay Servicing offered a Proprietary Modification that included {$74000.00} in Principle Reduction from California 's Hardest Hit Fund. 

The monthly payments were over XXXX % of my income, far above the HUD guideline of XXXX %, and I could not accept the offer. 

I had to insist, multiple times, that Fay Servicing evaluate my loan for HAMP, as is required by XXXX 's Non-Performing Loan Sale Requirements. 

Fay Servicing finally sent the HAMP Mod Docs on XXXX XXXX, XXXX. I faxed and mailed the filled out and complete HAMP application and supporting documents on XXXX XXXX, XXXX to Fay Servicing, with follow up documents faxed on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Fay Serving acknowledged receipt. 

To make the monthly payments conform to HUD guidelines, a combination of Principle Reduction and HAMP modification is necessary. However, Fay Serving is saying that XXXX XXXX will not accept Principle Reduction money through California 's HHF, even though they offered a modification based on HHF Principle Reduction money of {$74000.00}. 

According to California 's HHF website and phone counselors, XXXX XXXX does participate in the Principle Reduction Program. 

XXXX Fay Servicing has stated that " XXXX XXXX wo n't allow for principle forgiveness. '' They will only accept Mortgage Reinstatement money from HHF. 

What is the truth? 

I am applying for HHF Principle Reduction again to assist in making my home payments affordable for myself and XXXX daughter. 

Also, since my loan was sold for XXXX % of it 's value, that means that the Unpaid Balance of my loan is less. How do I get a Mortgage Modification based on the reduction in my Unpaid Balance? 

Your help in resolving this matter is much appreciated. 

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

I have a number of inquires on my credit report that i did not authorize
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Collection {$5100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection {$140.00} XXXX XXXX XXXX Charge-off {$170.00} XXXX XXXX Charge-off {$960.00} XXXX XXXX Charge-off {$820.00} XXXX XXXX XXXX XXXX Charge-off {$310.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 TransUnion and XXXX reported a XXXX XXXX XXXX collection account against my file. After numerous failed attempts to discuss the matter with XXXX I disputed the account with XXXX by faxing a validation of debt notice pursuant to FDCRA as well as filing a complaint with CFPB. I also disputed the XXXX account with TransUnion and XXXX on XX/XX/2019 with several supporting document follow ups citing numerous statutory reporting errors ( T.U. File No.  XXXX/XXXX # XXXX ). 

On XX/XX/2019 XXXX responded to my CFPB complaint stating that on XX/XX/2019 they directed TransUnion and XXXX to remove the account from my credit file and that they are no longer handling the account. A copy of XXXX 's CFPB response is attached. 

On XX/XX/2019 the XXXX debt was still appearing on my credit file at which point I called spoke with a representative at TransUnion explaining that XXXX directed the account be removed from my file as well as faxing to TransUnion a copy of XXXX 's CFPB response. The TransUnion representative who was clearly reading off of prepared text and did not have any type of grasp of the English language said that the account would stay on my file for seven years then hung up the phone. 

As XXXX has directed the credit reporting agencies to remove the XXXX account from credit file and the agencies refusing to comply, TransUnion and XXXX are now knowingly reporting false information against my file to which fraudulent punitive damages can be awarded in litigation.