23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX ( XXXX  ) CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

CAPITAL ONE CLOSED MY CREDIT CARD ACCOUNT WITHOUT WRITTEN NOTICE AND HAS REFUSED TO REOPEN THE ACCOUNT OR REFUND MY LARGE REWARDS BALANCE ( 28110 POINTS VALUED AT {$280.00} ). I TRIED TO RESOLVE THIS WITH THE COMPANY BUT WAS TOLD IT IS THE POLICY OF THE COMPANY TO CLOSE INACTIVE CARDS. I ASKED FOR PROOF OF WRITTEN NOTICE AND WAS TOLD BY XXXX AGENT IT WAS EMAILED, THEN BY A SUPERVISOR IT WAS MAILED. I RECEIVED NOTHING BY EITHER EMAIL OR MAIL AND REQUESTED THAT THEY REFUND MY POINTS OR REOPEN THE ACCOUNT SINCE I BELIEVE IT WAS DONE IN ERROR. I WOULD LIKE THE ACCOUNT REOPENED AS I HAVE EXCELLENT CREDIT AND MY REWARDS RESTORED. I HAVE MULTIPLE ACCOUNTS WITH CAPITAL ONE AND FEEL THIS WAS DONE TO CHEAT ME AND OTHERS OUT OF MY REWARDS BALANCE. I HAVE SEEN THIS REPEATEDLY SAID TO OTHERS IN COMPLAINT FORUMS ONLINE. THE BANK SHOULD HONOR THE DEBT AND STOP LOOKING TO CHEAT HONEST CONSUMERS.
Product: Mortgage

We currently hold a mortgage with Citibank. On XX/XX/XXXX, my husband and I contacted Citibank about refinancing our current mortgage that they hold. We were quoted a rate of 4 percent for a jumbo with cash out. We answered all of the questions including the ones on race, both my husband and I are minorities. We then got a call back saying that my husband had a credit score of XXXX from XXXX, XXXX XXXX and XXXX So Citibank wanted to charge us an 1/8 more and a quarter point extra in fees. On XXXX we received my husband 's credit scores from Citibank. He had a XXXX This surprised us so we went to XXXX and requested his scores and they were over 740. We checked with the other credit reporting agencies and could not find a score that low. Based on our request my husband had scores of XXXX, XXXX and XXXX. I contacted Citibank several times but did not hear back from the rep assigned to us, XXXX XXXX until today XXXX, where he told me that the rates was because my husband s credit score was low but I told him that we couldn't get the credit reporting agency to corroborate what he was saying as the basis for raising our rate. I asked to file an internal complaint, he said he would do that. I asked for contact information and he hung up on me.
Product: Credit card or prepaid card

I purchased a Vanilla Visa gift card in the amount of {$200.00} on XX/XX/XXXX at XXXX and gave it to a friend. She let it sit until XX/XX/XXXX, then tried to use it and found it was defective. The card should have 16 numbers on the face but only has 12 numbers. She returned it to me on XX/XX/XXXX. I contacted Vanilla Visa by phone on XX/XX/XXXX and was told to email them images of the front and back of the card, my drivers license and the receipt for the purchase of the card. I was given a XXXX # XXXX. At the time I could not locate the receipt so I sent them my XXXX XXXX statement showing the purchase. I followed up with Vanilla Visa on XX/XX/XXXX by phone and they told me they did not receive my email and documents. I resent everything on XX/XX/XXXX. I called VV again on XX/XX/XXXX and VV confirmed receipt of my documents. VV said it would take 10 days to process and 7-10 days to receive a replacement card. I called VV again on XX/XX/XXXX ( XXXX ) and was told they are " escalating my case '', and to call back in 24-48 hours. I called VV on XX/XX/XXXX ( XXXX ) and was told my case is " in process '', has " been escalated '', and someone will get back to me in 24-48 hours. On XX/XX/XXXX I located my XXXX receipt, so I emailed the receipt, and included the images of the card, copy of my drivers license and the XXXX XXXX statement again. I included my Case #. I called VV on XXXX ( XXXX ) and was told it will take a new 10 days to process and 7 days to receive replacement card. I called VV on XX/XX/XXXX and they ( XXXX ) confirmed receipt of my documents. XXXX said my " case was elevated in XXXX '', " wait for a couple more days '', and then XXXX disconnected the call. I called VV on XX/XX/XXXX and was told my case is in " working status '', they are " investigating my case '', " no update yet '', " call back in 24-48 hours ''. I called VV on XXXX ( XXXX ) and was told my case is " still under investigation '', they are " researching '', " putting my case on priority - filling out a form on my behalf ''. He said I will " definitely receive an update in 24-48 hours ''. To date I have never received an email nor a phone call from Vanilla Visa. All communications have been initiated by me, and every phone call requires a 30-40 minute wait on hold until a live person answers. I have also reached out to XXXX corporate Consumer Relations by phone and they were no help. XXXX told me that Vanilla Visa 's gift card department will not even communicate with XXXX. Why would a huge company like XXXX be OK with that? There is something not right about it. They requested the same documents that I sent to VV but in the end I received a standard email response sending me back to Vanilla Visa. I went directly to the XXXX store where I purchased the card and although they were somewhat sympathetic they told me there was nothing they could do. I filed a complaint with the New York Attorney General and they sent me here. I would like either a complete refund for my purchase, {$200.00} ( preferred at this point ) or a replacement card for {$200.00}. There seems to be no protection for consumers in the area of gift cards.
Product: Debt collection

I WAS ILL AND THEY WERE MADE AWARE BY SS OF WHAT TO CHARGE SO I WOULD N'T BE OUT OF POCKET I DID EVEN NOW I OWED TILL I CHECKED MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  - Account XXXXXXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX  XXXX - Account XXXX XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Account XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my prior communication with the Consumer Financial Protection Bureau, dated XX/XX/2024, regarding a late payment entry on my credit report. I contest the accuracy of the reported late payment, as I have successfully settled the associated account. Despite my attempts to address this matter directly with the creditor, the issue persists. I am formally disputing the late payment entry on my account, and the specifics are outlined below : -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} -- -- -- -- -- -- XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$380.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX Balance Owed : {$410.00}. My dispute is grounded in the fact that I have fulfilled all necessary payments and obligations outlined in the settlement agreement for the specified account. I maintain that the late payment entry is inaccurately affecting my creditworthiness. Despite my efforts to resolve this matter by providing evidence of the settlement, the late payment entry persists on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

Regards, XXXX XXXX
Product: Debt collection

I have been receiving harassing, threatening and XXXX threats telephone calls from Credit Adjustments , Inc. representatives in regards to an account and debt of {$440.00} that I do not owe. The debt do not belong to me. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact Transunion about this issue and to no avail. They treat me as the villan and the creditors as the victim. They allow anyone to run my credit without verifying that they have my permission then tell me to contact the creditors that violated my rights. They then send a letter stating that these creditors do not need my written authorization which I know is a direct violation of the FCRA requirements. How do they keep getting away with this madness. They then proceed to tell me to contact these creditors that violated my rights individually which is clearly waht they are supposed to do before they place this information in my file. How am I supposed to contact 40 different creditors and pay for certified mail 40 times. That doesn't make any since.
Product: Credit reporting or other personal consumer reports

I certified mail a dispute letter to Experian on XX/XX/year>, about an inaccurate account thats being furnished to my consumer report Experian did not provide me the information below 1. Proof of my signature on any agreement that establishes this account as valid and that I agreed to pay this creditor.

2. Documentation of any insurance claim filed on this debt.

3. Proof that you have the legal chain of title to collect on this debt.

4. A detailed list of the history of payments made by me on this account.
Product: Debt collection

This company has called me today the day before and many other days which I have logged in my phone book from 3 different numbers after I told them if they fail to explain who they are and what they are calling for then I do not want them contacting me and told them to take me off the call list and blocked 2 numbers and they call from different numbers. They have poor attitudes hang up in your face call right back and have smart tones and act like you don't know the law. I once told them if they keep harassing me I would report them that it'd illegal if i verbally told them to stop contacting me until I contact them back and she laughed and hung up in face and called again 20 minutes later.
Product: Credit card or prepaid card

Roughly XX/XX/2019. XXXX. A little over XXXX paid down to XXXX, XXXX. Went through fraud crime 's and was denied. I filled numerous times for fraud and was denied. A bank in Arizona was paying it off and charging it and paying it off without my knowledge they then had all the charges reversed and stuck onto my account. I live in the XXXX and do not know anyone in that area. My card was stolen and was used in a town over. Living in a college town it could be anyone from XXXX individuals. That also shop in the same area. They stated that I had lied and withheld information which i know i had never once done. This is not something i did and there is no need for me to lie or withhold any information used to help my investigations. I have already paid XXXX on something that i had not even done. I can no longer afford a mistake that I didnt even create.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the fair credit reporting act XXXX  XXXX XXXX account XXXX XXXX and XXXX violated my rights on Transunion and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report Also this is being illegally reported because on both accounts they are reporting a XXXX day late payment on XX/XX/2019 when they both also reported i paid on time XXXX XXXX there is no way i can pay on time XXXX month and then be XXXX days late the very next month it makes no sense. this is causing stress and mental health problems as these inaccuracies are preventing me from obtaining credit
Product: Debt collection

Greetings, National Credit Systems is holding a collection account in my name without any supporting documentation even after XXXX  disputes, through XXXX. I have requested any and all supporting documents from XXXX and they have been unable to provide any supporting documents even after XXXX  disputes and several hours of phone calls. I have found XXXX representatives to lie directly to me and block my requests for information. This collection account is causing me great harm as it is a housing/leasing creditor class and is preventing me from obtaining housing with my XXXX XXXX. The collection dispute Confirmation number is XXXX. Please help me correct this collection that was placed in my name incorrectly
Product: Mortgage

I am selling my home in a short sale. We have been approved and unfortunately an old loan from the previous owner has come up on the title. We have contacted Chase which seems to be the lien holder in regards to the lien release so that we may close. They were originally contacted In mid XXXX and to this day they have made us send them the title binder, mortgage, assignment of mortgage to them to multiple e-mail which include : '' XXXX, XXXX XXXX XXXXXXXXXXXX, " XXXX, XXXX '' XXXXXXXXXXXX, XXXXXXXXXXXX, and to their manager at XXXXXXXXXXXX. As of today they are forwarding documents to be submitted to processing after weeks of phone calls and emails/ I have tried to speak to a manger and have escalated the request on multiple occasions but NOT EVEN ONE representative is able to give me an update on this request. We are past my short sale approval date and have yet to receive a concrete response from Chase except to resend the documents again.
Product: Mortgage

Lost job due to disability Applied for home modification a couple of times went into foreclosure after being turned down to only being denied after being with Wells Fargo since XXXX till XXXX house caught on fire sold my loan to another company after going through this for a year put so much stress on me..they never did help me with any mortgage issue with payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a Collection on my Transunion, XXXX & XXXX credit report on XX/XX/2020 XXXX XXXX is reporting a balance on my Credit Report for {$3900.00} which is not my Account
Product: Credit reporting or other personal consumer reports

Creditor : XXXX  Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Student loan

I began my student loan repayment journey being {$46000.00} in debt ( XXXX approx ). NAVIENT was handling the forbearance's/deferments. Every single time I called them, I was given different information ( this was prior to XXXX ) and there were many days that I called multiple times, spoke with different people and received completely different answers ( in regards to how much to pay, how long, and they honestly never really answered some questions and were very dismissive ). I lost my job and struggled to find a new one for some time but when I finally did NAVIENT informed me my payment would be well over what I took home in an entire month. They told me that if I didn't agree to the terms then I would be in default. I was so angry that I hung up. I called back again and was able to have some sort of extension until my pay was regular and I thought that I could trust them. Before I knew it, my loan had ballooned from the original amount to OVER {$120000.00}!!! There is no way that I will be able to repay that at what they expect me to. Every single time that I would call they would tell me that my loans had been sold/transferred and that there was another fee and more interest. 
I am now very much at risk of having a very good job offer rescinded because of my student loans on my credit report as I had to contest my report and explain what happened. I believe that NAVIENT has acted predatory towards borrowers and it affects our livelihood.