23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

am not liable for this debt with SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX, VA XXXX Phone # ( XXXX ) XXXX I disputed this account with XXXX 2 Times And they keep saying is accurate, I wrote them requesting a method of verification for this account, they said Spring Oaks Capital Lcc keep saying is accurate and they won't provide them with any verification.
Product: Checking or savings account

It has been over 10 business days with no updates on a dispute against XXXX for XXXX from XX/XX/XXXX cash app has told me they've escalated my case however I think at this point the dispute should be ruled in my favor because of the inexcusable amount of time for this dispute to be handled
Product: Checking or savings account

On XX/XX/2024, my Chime banking account was abruptly closed without any prior notice or explanation. This action occurred just days after I received my tax refund into my Chime account, which was over {$5000.00}, leaving me bewildered and financially stranded. 
Throughout my tenure with Chime, spanning over a year, I had encountered no issues or discrepancies with their services. However, the sudden closure of my account, coupled with the lack of communication and transparency from their representatives, has left me deeply troubled and financially distressed. 
Upon reaching out to Chime 's customer service for clarification and the retrieval of my remaining funds, which included my tax refund from the IRS, I was met with frustration and disappointment. Despite multiple attempts to resolve the issue through email correspondence, each response I received was generic and failed to address my specific concerns. 
I escalated the matter to thXXXX XXXX XXXX XXXX in hopes of finding a resolution, but to no avail. Despite assurances from Chime that I would receive a refund of my funds via mail within 30 days, as of today 's date, XX/XX/2024, I have yet to receive any such reimbursement. 
This prolonged delay in the disbursement of my funds has not only caused me significant financial hardship but has also taken a toll on my emotional well-being. I have a XXXX XXXX XXXX and also had a XXXX XXXX  during this time. I have been struggling to care for my children as well as myself due to this incident. That was all of the money that I had to my name. I find myself falling behind on essential bills and facing mounting financial obligations due to circumstances beyond my control.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$830.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$380.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  company XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

15U.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 an account without my written instructions.

I have tried to explain to the companies that I have been a victim of identity theft and these accounts can not be reported to the credit bureaus because they are inaccurate, I have not received any response from XXXX, and I am not able to get any help from XXXX.
Product: Credit card

in XXXX of XXXX  i recieved a notice of a collection account with a balance of {$440.00} of principal, {$98.00} in interest and {$260.00} in fees for a total of {$800.00} was sold to XXXX  XXXX XXXX XXXX. on XXXX connected to my name and information that is not mine. i disputed this with the debt collector as per the instructions on the letter stating the transaction is no longer owned by citibank.
Product: Vehicle loan or lease

I had applied for a Lease Buyout Loan from PNC Bank online on Thursday, XX/XX/XXXX and had to go to my local PNC branch on Friday, XX/XX/XXXX to complete the loan closing paperwork. The original loan was for the amount of {$29000.00} and a check to payoff the existing lease was to be mailed out overnight once the paperwork was completed by PNC Bank. 

Several weeks went by and I contacted the leasing company and they confirmed that the payoff check has not arrived. After speaking to XXXX XXXX at the PNC Branch, said that the check was sent via regular mail and not overnight, as the original PNC Loan information asked for an " Overnight Address '' to send the check. She had me sign an indemnification form before they would issue a new check, and a new check was to be overnighted again on Thursday XX/XX/XXXX. 

In contacting the leasing company, XXXX XXXX, the new check was received Friday, XX/XX/XXXX. However, between Friday XX/XX/XXXX and Friday XX/XX/XXXX, 3 weeks, I incurred interest charges on the auto loan in upwards of {$150.00} dollars, while I was not at fault as PNC was handling the payoff of the existing lease to transfer it to a PNC Loan. 

I have been emailing the local branch, calling their customer support number, and receive weekly calls every Friday between XXXX and XXXX XXXX with the representative stating they are still looking into the issue. I feel that this issue should have been resolved as it has been several months now, and nobody is making any progress on it. I feel that if the check got lost in the mail and a new one had to be reissued, and a paper had to be signed by me before reissuing a new check, that I should not be responsible for those interest charges when it was at the fault of PNC bank. 

The new check was received by XXXX XXXX on Friday XX/XX/XXXX and they released the title to PNC bank the following Monday, XX/XX/XXXX. I would find it acceptable to start charging the customer interest once the check was mailed or arrived, not while it was lost in limbo for 3 weeks. If they had given me the money to pay the lease off up front, then yes, I would find it acceptable to charge me interest, but PNC handled all of this on their end. 

I have spoke to several customer service representatives throughout the past few months and this issue is still not resolved. 

I have since traded my vehicle in as I ordered a new vehicle, so this loan should technically be paid off by the dealership at this point, or soon to be, so I should get an adjustment check back for the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  expressing that there was 6 credit accounts reporting to my credit report that was not mine. First off I sent a letter to XXXX  dated XX/XX/2021. They claimed that they did not receive the letter until sometime in XXXX. When I wrote the dispute letter I asked that the account be verified by giving verifiable proof of this account and that it belongs to me because it does not. I wrote this XXXX letter and they refused to start my dispute in XXXX they waited until XXXX. They were already OVER the 30 days of investigation they refused to start it until XXXX. 

After they started my dispute they send me an email saying the results of my dispute came back verified. I called XXXX  and asked them exactly HOW they verified the information. They could not give me an answer, I told them that having something verified by the e-Oscar system was not sufficient enough to deem anything verifiable.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. 

According to the FCRA they HAVE to provide documentation on HOW these items were deemed verifiable. 

Please see the attached documents that I have sent to XXXX  regarding this and these are the exact letters that they refuse to respond too.
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.

Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX, has violated my rights.

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: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX }, has violated the Fair Debt Collection Practices Act ( FDCPA ) 1006.30 ( a ) by placing this debt on my report without my permission. 
Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ).

Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit.

Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited. 
In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance Thank you.
Product: Debt collection

I am writing to dispute an incorrectly reported credit issue in my file associated with XXXX XXXX and Barclays Bank Delaware. Attached are signed and notarized documents proving grounds for my dispute. These have been mailed to XXXX XXXX XXXX Department and Barclays Bank Delaware. XXXX XXXX Mail, Return Receipt Requested for proof of receipt. 

The enclosed Notification, Affidavit, and XXXX XXXX XXXX XXXX  will show the reported item in question is, and has been, in dispute with XXXX XXXX and Barclays Bank Delaware. 

While I do not deny a contract was signed with XXXX XXXX, the contract was entered into upon fraudulent acts committed by XXXX XXXX, as shown by the enclosed documentation. 

Please reinvestigate this matter and delete the disputed item as soon as possible, and mark any further attempts on behalf of XXXX XXXX and Barclays Bank Delaware as disputed. 

Sincerely, G.
Product: Student loan

I took out a private student loan in the amount of {$25000.00} to attend university in XXXX in XX/XX/XXXX. Repayment has been brutal. I have since paid off two vehicles, but my repayment plans for the student loan are brutal. I now work at a non-profit company and do not make a substantial income. However, Navient keeps trying to bump my monthly repayment for over {$600.00}! They harass my retired parents who co-signed on the loan 17 years ago. I have to fight to stay on a reduced apr plan. I have n't even begun to repay principle. Seventeen years later, I still have more than {$37000.00} to pay and Navient has been unable to tell me how much I have paid over the years. It 's a prison sentence.
Product: Mortgage

XX/XX/2022 we wanted to look into refinancing. Rocket mortgage contacted me and said they could help, when they told me what my new mortgage would be I told XXXX no that I couldn't afford those payments and we would have to look into something else. She then told me it was only temporary to do it for 3 months and then to call her back and she would lower the interest rate. She said her and her husband and done this and it worked out great for them. She said in three months my crefit score would be even higher and she could lower the interest rates. So we went with rocket mortgage. But when I called back in three months she just said can't help you and hung up on me. Now we are stuck with a payment we can't afford and I'm scared I'm going to lose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over 11,000.00 at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, XXXX, and XXXX  accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with FLAGSTAR BANK, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh. 

Please assist me with updating my account so that it may include on-time payments. 


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

I made the last payment to Bread Financial on XX/XX/2023 for {$45.00}. I was told that the account was closed and in good standing. On XX/XX/2023 I received a letter from Bread confirming the aforementioned. 

On Friday XX/XX/XXXX, I received a notice from all three credit bureaus stating that the account is still open, there are late fees and as a result, they reported this incorrect and fraudulent information causing my credit score to plummet over XXXX points. The company has been terrible to work with and have not corrected anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last XXXX I requested an investigation because I felt the item was not being reported legally. XXXX of XXXX ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation for below account! If you can not provide a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws this account must be deleted from my Equifax credit report immediately. 

XXXX. You are in violation of XXXX XXXX XXXX XXXX XXXX XXXX or personal information should not be on my report Untitled Account Number : XXXX XXXX XXXX XXXX ( XXXX ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX chapter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan in XX/XX/XXXX with XXXX  XXXX XXXX. I have always paid it on time, yet XXXX  XXXX XXXX reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to XXXX XXXX XXXX on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, XXXX  XXXX XXXX has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Student loan

My loans were transferred over to Navient back in 2009. Navient has charged a ridiculous amount of interest to my account in excess of thousand of dollars.
Product: Credit card or prepaid card

I filed a dispute for not receiving my withdrawal from the atm and card.com refuses to give me my provisional credit
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as collection/charge off. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( Equifax, XXXX, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting a collection in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account was included in my bankruptcy and therefore there is not oustanding balance to report. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX 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 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 XXXX
Product: Debt collection

Experian, XXXX XXXX, and XXXX have refused to removed a debt that I am not responsible for. I have been proactive with communicating and disputing this collection. However, they refused to take action. I have been a victim of Identity Theft and was apart of experian data breach. They have also acknowledge that my personal information including my social security number, phone number, and address was found on the XXXX XXXX I am filing this complaint to take further action in my dispute process in result of having a collection removed. attached are my original documents sent to the credit bureaus.