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

I received literature in the mail 2 years ago regarding a line of Credit for {$2500.00} from a company called XXXX. This line of credit was disguised as payday predatory lending. They took a fee of {$400.00} right off the top and only deposited {$2100.00} in my account. From then i was charged bi weekly finance charges plus some money off the bill. i closed the account down after a months because I was falling behind on payments and could n't keep up with the account. This account is now on my Credit Report showing as original Creditor-12 XXXX XXXX XXXX XXXX. I am not sure if they are registered with FL or FDIC. they are now being represented by XXXX XXXX. with a balance of {$2900.00}. I have tried to get debt validation on this account a few times but to no avail. Because it has been past 30 days XXXX will not send documents to prove they own the account. I have tried numerous times with Credit Reporting Agency to remove and they will not. XXXX has since updated their agreements and payment terms since i took out original loan. They will not send me a copy of my original contract because they sold off account. Need to get this black mark off my report and save others from this predatory lending.
Product: Debt collection

Hi ( HELVEY AND ASSOCIATES XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX ) ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$13000.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance {$170.00} XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX Balance {$4200.00} XXXX  XXXX Balance XXXX {$14000.00} XXXX XXXX Balance {$820.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$1400.00} XXXX XXXX Balance {$820.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

To whom it may concern : After receiving a request from chase united card to refer a friend with a promise to receive XXXX miles, I was denied the offer. 

I contacted chase multiple times and was told that the miles will be posted to my account within 6 to 8 weeks. After the allowed time expired, I received a letter dated XX/XX/XXXX ( please see attached ) stating : We appreciate you referring ... to become a new Chase Cardmember ... ... once you have followed the link to refer a friend, you will receive the referral bonus eight weeks..if the link was not followed to refer a friend the point will not be honored. Please know that the original application for the new member was completed in XX/XX/XXXX using the link given. During the months of XX/XX/XXXX and XX/XX/XXXX I was told to wait six to eight weeks. Then in the month of XX/XX/XXXX I received the letter in question. 

According to chase representatives the application was not submitted through the link in XX/XX/XXXX, and the miles will not be honored as per the offer. However, we submitted the application through the link in XX/XX/XXXX. I was never told I didnt qualify rather that I needed to wait 6 to 8 weeks. Their letter clearly acknowledged that I referred someone to become a new card member. Part of the offer stated the new cardmember needed to spend {$3000.00} within 3 months prior to my receiving the miles for the referral. Hence why I understood the time allowed. However, they are not honoring the offer, and I am requesting the XXXX miles I am entitled to. 

Thank you in advance for your attention to this matter if any further information is needed please Freel free to contact me at XXXX. 

Respectfully submitted, XXXX XXXX
Product: Student loan

I paid off my loans to Great Lakes on XX/XX/XXXX in the amount of XXXX. I requested a refund for this amount on XX/XX/XXXX due to the XXXX act. Under the XXXX XXXX, anyone who had paid off XXXX or less in loans could get their loans reimbursed. I was promised a refund check from Great Lakes that I never received. XXXX bought out Great Lakes and never let me know that my loans were reinstated until I found out about it in XX/XX/XXXX. Since then, I have been accruing interest. Netlnet is refusing to send me another refund check because they claim that XXXX, my bank at the time, accepted their check. However, I had closed my XXXX account in XXXX and it would have been impossible for them to get a check from Nelnet in XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : 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 Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

I have recently checked my credit report with Experian, XXXX, and XXXX  and discovered that XXXX XXXX XXXX reported 30, 60, 90 days past due as of XXXX, XXXX, and XX/XX/2019. My credit report 's true and accurate creditworthiness has been damaged by XXXX 's wrong reporting. I never had a single 30 days late payment on my XXXX account since I leased my car. I resolved this issue with XXXX XXXX XXXX and XXXX XXXX XXXX agreed to send a request to the credit reporting agencies to remove these late payments and update my XXXX XXXX XXXX account and bring it to a current status. I called Experian reporting agency and talked to different representatives and they did a three-way conversation with XXXX XXXX XXXX representatives. The XXXX XXXX XXXX representative approved that there is no single late payment reporting as of XXXX, XXXX, and XX/XX/2019. Afterall, the Experian reporting agency refused to resolve this problem.
Product: Mortgage

Early in XX/XX/XXXX, we applied to have our PMI removed from our mortgage through PHH Mortgage Services. We sent them the correct application and paid {$150.00}, which posted to our bank account on XX/XX/XXXX. On XX/XX/XXXX, we received a letter declining our application for the following reason : " The Certificate Value ordered does not certify the original value of your property. 'Original value ' means the lesser of the contract sales price of the property or the appraised value of the property at the time of the loan was closed. This excludes NY State properties, as the higher amount becomes the 'Original value ' ''.

They used three homes to compare our home 's value to. 1. These homes are not in our neighborhood or subdivision, and are not quite comparable, 2. They are not as comparable to the homes within our own neighborhood, of which 2 sold this past year for higher values than we bought
our own home, and they are identical in property size and home model. In addition, both XXXX  and XXXX place the value of our home, currently, at {$34000.00} above the amount of our original loan. In our opinion, they chose three random homes that sold below the cost of our home 's original loan, without even looking at the homes within our neighborhood and the market 's estimates on our own home. 

We called to complain, but they said that nothing can be done, and the {$150.00} is nonrefundable ( this is quite the fee for our family, as we currently need the PMI dropped to make ends meet ). Their only solution is for us to pay an additional {$250.00}, for a total of {$370.00} for a proper appraisal ( although that amount would really be {$220.00}, because they say we only paid {$120.00}, even though we have bank records ). This appraisal does not guarantee the removal of our PMI. We simply ask that they be fair with their process. This is a complete scam and an arbitrary process, as well as a way to make more money through a proper appraisal ( which they should have done the first time ).
Product: Student loan

I went to XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XXXX to XXXX, one of the XXXX XXXX XXXX ( XXXX ) schools. I had a total of approximately {$90000.00} ( plus interest ) in what I was told were government-backed student loans to later find out that these were really either privately backed or government-backed private loans? XXXX loans? 

Before the loans came due, I consolidated them with Great Lakes XXXX XXXX with a fixed low interest rate and continued to pay and pay for an " education '' that I never used. These loans were eventually transferred to Nelnet or Nelnet is the servicer at least. 

The school was closed due to it's predatory lending practices and lies of jobs available in the fields of study, etc. This school is also included in the Sweet v. Cordona case. I am a class member of that lawsuit. I not only want my current amount owed wiped out ; I want all of the money that was paid to XXXX XXXX for my false education and all of the interest that was paid to the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old account on my report, via XXXX XXXX XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX  XXXX XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX  XXXX XXXX   XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Product: Credit card

I opened up a card with Paypal in XX/XX/2023 use that card and only had it open for a few months was late due to my house obtaining Covid in this process they close the card. The balance was around {$2400.00} when it was closed, I paid it down to about {$2200.00} And logged in today and found that the card was now over its limit and they had charged over {$300.00} in interest in late fees to my card although I have been making {$41.00} minimum Payments on the card. The interest rate according to them is XXXX % and they stated thats the amount that will be charged every statement. Which is about {$290.00}. Im not understanding how Im supposed to pay off this card At a minimum payment of {$41.00} a month if theyre gon na continuously charge me {$290.00} in charges this card will never be paid off. According to the most recent bill against credit card issues, there was a cap placed on interest charges and late fees. I would like this investigated for the specific company and know my rights as I will never be able to pay off this card and it will occur in so much interest that the card will eventually be too much to pay. I tried to resolve this with a credit card issue and they refused to budge
Product: Mortgage

I see this advertisement all over  XXXX  in my town- The add claims I can get 100 % financing even with a   XXXX  Fico,  but its not true at all! we got going in the process and after getting under contract she then told me I needed a minimum of a  XXXX  fico in order to qualify for the no down payment 100 % financing.. Which is not in her  XXXX  add! Then she said what can I sell, or who can i borrower the money from for a down payment? Well If I had someone to lend me the down payment why would i have clicked on her add?
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my email, phone service provider, and XXXX XXXX accounts were all hacked at XXXX XXXX. The hacker then proceeded to apply for two separate credit cards using my identity, one with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I proceeded to call both credit cards using companies at XXXX XXXX to cancel those cards and close those accounts as they were fraudulently opened. One of them caused a hard inquiry into my credit which then significantly dropped my XXXX XXXX. The hard inquiry is labeled as XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # credit collection {$330.00} Account name : # XXXX XXXX XXXX {$790.00}, Account name : # XXXX XXXXXXXX XXXX {$480.00} Account name : # XXXX XXXX {$1400.00} has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

This submission has not been submitted before and this is not submitted by XXXX XXXX XXXX. I just reviewed my credit report and found several accounts that are violating my rights In Accordance with the Fair Credit Reporting Act Convergent. The accounts listed below are violating my rights according to these Laws 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 an account without my written instructions.

Furthermore, please provide the following information and if you can not provide every single document to me, please remove the below accounts asap or I will be forced to file a major lawsuit, report this to the XXXX  and contact the Federal Trade Commission.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 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: Checking or savings account

On XX/XX/24 I took my adult son to cash a check at Bank of America. He had received a {$5200.00} check from XXXX XXXX drawn on Bank of America. He does not bank with Bank of America. Assistant Manager XXXX XXXX was polite but refused to cash the check because it was over the amount they will cash a check for. She would not disclose what that amount is. They did not need to see the check before refusing the honor it. I believe they wrongfully dishonored the check and they have a duty to cash the check after performing their diligence ( funds availability, ID check, etc. ) according to UCC 4-402.
Product: Credit card or prepaid card

I purchased a XXXX XXXX ticket ( {$210.00} ) on XX/XX/2020 and the flight was later cancelled. XXXX XXXX refuse to refund the money but only give me vouchers instead. 

So I dispute this charge with my credit card company on XX/XX/2020. The dispute was declined by my credit card company ( Chase ) on XX/XX/2020. 

So I have to call XXXX XXXX again asking them to refund the money. They agreed to refund this time and showed me the refund process was already completed on XX/XX/2020. They have the refunds request number and the document number. 

But this refund was never showed on my credit card account. 
I called my credit card company, they insist that they did not receive the money and do not allow me to dispute the charge again. 
I called XXXX XXXX, they claimed they have completed the refund and show me the document number. 

I don't know where is the money and both sizes claim they have done nothing wrong.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports