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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Verification and Removal of Debt Dear TRANSUNION, ACCCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt.

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement.

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA. 

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : XXXX of Credit Report showing disputed debt
Product: Student loan

I saw a news story ( XXXX ) on XX/XX/XXXX about navient ( XXXX ) and to file a complaint if you are effected by them. I have been paying navient for almost 15 years. When interest rate for student loans drop to an all time loan, many people refinanced their student loans to a low interest rate. I contacted XXXX XXXX at that time as well and they told me I could not refinance because their loans only allow " XXXX '' refinance. I graduated in XX/XX/XXXX, I consolidated my student loans and refinanced it to that time ( XX/XX/XXXX ) rate given to me. I have been paying my students loans for 15 years at a high interest rate higher than many others because they will not let me refinance it to the lower rate. I owe approximately {$30000.00}, I have been paying approximately {$500.00} a month for over 5 years, and overall been paying on my loans for over 15 years, and I still owe {$30000.00}. According to my statement I will be paying {$500.00} a month for 10 more years. This is the same as my car and car payments, however I will have my car payed off in 5 years, unlike my student loan. My house loan interst is lower than my student loan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumes with the necessary proof of investigation. These are the account in question of Dispute : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no affiliation with these creditors and therefore request that you remove this inquiry from my credit report immediately
Product: Credit card

Hello I 'm hoping someone can help me I have an account with care credit since XXXX 2012 I want to pay off my balance but the interest fees and the interest rates and the late fees are just to outrageous I will never be able to finish paying this off is there any recourse for me? I believe I was mislead by the people at the dentist office I really want to resolve this Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX  Account Number : XXXXXXXX XXXX  Bankruptcy Court Account Number : XXXX
Product: Credit reporting or other personal consumer reports

am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Accounts : 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 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 XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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. 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. The accounts list in the above paragraph 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, credit repair services, or other personal consumer reports

I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please.

XXXX XXXX I have 2 accounts that should be removed from my credit report
Product: Debt collection

On XX/XX/XXXX, I sent REPUBLIC FIANANCE a written notice asking them for validation of alleged debt. I request they provide me with PROOF OF PURCHASE AND DISCONTINUE COLLECTION OF THE DEBT IS REQUESTED, Provide a copy of consumer signature on a contract or document that holds consumer responsible for this alleged debt, and Send CONSUMER proof that you are licensed to collect debt in my state. They have fail to provide me with any information.
Product: Payday loan, title loan, or personal loan

I applied due to electricity being turned off ... .I have XXXX XXXXXXXX XXXX from XXXX XXXX so a/c is crucial to my proper breathing. When I saw t payments of {$60.00} ... I was COOL but that 6th payment was XXXX! WOW!!
Product: Debt collection

XXXX and portfolio is trying to collect a debt that 10 years. I need the original copy from XXXX from them saying when the debt which it start from what year is the debt started my 90 days pass do what year Next step attorney General because this is false information
Product: Payday loan

I was contacted by an officer and gave me a number to call because i would be picked up at my office to go to jail.
Product: Debt collection

I have sent Experian the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me. I need them to remove the fraudulent accounts immediately. 

XXXX XXXX XXXXXXXX account # XXXX date opened XX/XX/2017 XXXX XXXX account # XXXX date opened XX/XX/2017 XXXX XXXXXXXX XXXX account XXXX XXXX date opened XX/XX/2017 2017
Product: Debt collection

Transworld Systems Inc. garnished my wages without providing any proper notice, causing significant and undue financial distress. At no point was I notified of a judgment or the garnishment itself, either by Transworld Systems Inc. or my employer, who also failed to inform me before the garnishments began. This complete lack of communication and notification left me blindsided and unprepared to handle the financial burden. 

On or around XX/XX/XXXX, I contacted Transworld Systems Inc. in good faith, seeking to set up a repayment plan. During my conversation with multiple agents and a supervisor, I clearly explained that a garnishment would create severe financial hardship. They assured me they would mail a hardship exemption form, but I never received it. Despite my repeated efforts to work out a voluntary repayment agreement, including signing and returning the necessary documentation as instructed, they failed to honor the agreement or provide any updates. 

Adding to the frustration, I was locked out of my online account for making payments. While I could log in, they refused to accept payments in any amount. Instead, Transworld Systems Inc. appeared unwilling to cooperate, even going so far as to initially brag about their intent to garnish my wages while I was actively trying to resolve the matter responsibly. Their actions demonstrate a lack of transparency, fairness, and regard for the financial distress they have caused.
Product: Debt collection

Aldridge and Pite, LLP and XXXX  XXXX  XXXX, XXXX are attempting to collect a debt on behalf of XXXX XXXX XXXX. XXXX  XXXX  XXXX, XXXX, purports to be a mortgage servicer servicing a loan on behalf of an investor by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX  XXXX  XXXX  XXXX  XXXX. 
However, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX XXXX  XXXX ; has contended that they are not the owner of the loan, they are not the owner of the land nor are they in any way shape or form involved with any foreclosure proceedings. These documents were forwarded to Aldridge Pite , LLP Naturally, XXXX  XXXX  was asked to : Validate the Debt, Provide Accounting, Verification of Claim from their alleged client the XXXX XXXX XXXX XXXX  XXXX, A copy of the contact that binds both parties with signatures by both and or all parties, A Copy of any and all invoices from the XXXX XXXX XXXX XXXX  XXXX showing XXXX XXXX XXXX owes a debt to them, Any and all other proof a debt is owned to their alleged client The XXXX XXXX XXXX XXXX XXXXXXXX. 
The same questions have been asked for years and XXXX XXXX has not been able to provide any of the documents enlisted above. It is clear, a debt is not owed to the XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX XXXX keeps accelerating a fake debt on their behalf, which triggers the advertisement of a Non-Judicial Foreclosure Sale. This is not legal or lawful nor can they legally or lawfully foreclose on behalf of the XXXX XXXX XXXX XXXX XXXX  when the XXXX  XXXX XXXX XXXX XXXXXXXX stated on several different occasions by several different forms of communication that they in fact are NOT THE OWNER OF THE LAND OR HOME. An error has been made on the account that XXXX XXXX XXXX XXXX illegally holds on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX are not interested in correcting the problem. If anything, they stand to financially gain from this error by imposing a debt that XXXX  XXXX  XXXX, XXXX nor the XXXX XXXX XXXX XXXX  XXXX had/have a vested interest in. Which means they would foreclose and profit from the proceeds even though they never made a vested interest in the collateral of the home or alleged mortgage note. Both XXXX XXXX and Aldridge Pite , LLP have violated : 15 USC 1692d 806 ( 3 ) 2. ) 15 USC 1692d 806 ( 4 ) 3. ) 15 USC 1692d 807 ( 2 ) ( A ) ( B ) 4. ) 15 USC 1692d 807 ( 4 ) 5. ) 15 USC 1692d 807 ( 5 ) 6. ) 15 USC 1692d 807 ( 9 ) 7. ) 15 USC 1692d 807 ( 10 ) 8. ) 15 USC 1692d 807 ( 14 ) 9. ) 15 USC 1692d 808 ( 1 ) 10. ) 15 USC 1692d 808 ( 6 ) ( A ) 11. ) 15 USC 1692d 808 ( 6 ) ( C ) 12. ) 15 USC 1692d 809 ( b ) 13. ) 15 USC 1692d 808 ( e ) 14. ) 15 USC 1692d 812 ( a ) without prejudice
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the agency gathering, maintaining, and furnishing my personal info without my consent, I have been denied employment, credit, had my identity stolen, and failed background checks unjustly. I never gave my authorization for the company to collect and use my personal info at all. 

Violation : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You have never had my written instruction to report on my behalf. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : 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 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 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 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 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: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My loan was transferred from SPS to XXXX XXXX XXXX within the past 30 days. I was in the process of a loan modification with SPS, but communication ceased once the transfer occurred. I reached out to XXXX, who is handling my account, to inform her that the home has been on the market and that we now have a buyer. 

However, I am unable to access my account online or by phone, preventing me from viewing my payoff amount or making a payment. XXXX responded that XXXX XXXX XXXX will not accept a short sale and intends to proceed with foreclosure unless the account is brought current. 

At this point, I have no clarity on my outstanding balance or how to make a payment. The buyers offer should be sufficient to pay off the loan, but I need someone to communicate with me so we can move forward.
Product: Money transfer, virtual currency, or money service

There was this person who I knew on XXXX and she was advertising items for sale. Thinking it was her, I put a deposit down on a car. I made XXXX transactions totaling {$1200.00}. This was done on XX/XX/year> and XX/XX/year> from the Zelle XXXX from my bank XXXX XXXX XXXX. After sending them information and explaining I was scammed ( turns out that her XXXX was hacked and hasnt been on since then ) I thought when I sent the money, it was to a family member or a trust account. XXXX XXXX XXXX  basically told me too bad. I have the persons phone number and name. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a DELETED account from other bureaus on my credit file. XXXX FCRA, reporting must be 100 % accurate. Please correct this damaging data immediately. 
XXXX XXXX XXXXXXXX Balance : {$920.00}
Product: Credit reporting or other personal consumer reports

refusal to approve credit card application after obtaining steller ratings on Experian. 
Denial reasons provided are both invalid based on Experian. report escalated to executive level case # XXXX. 
fico score XXXX 1 open credit card in 4 years limit XXXX. 
never late. never an interest payment paid. 
never refused credit 1n 45 years. 
no mortgage XXXX annual income no credit problems EVER WHATSOEVER
Product: Checking or savings account

XXXX I received a letter from Chase telling me that the terms of my checking account were changing indicating that I would need to do something to avoid paying service fees. So I go to my Chase online banking to look at my checking account balance which was ~ {$1200.00} and it is not there, Chase has removed my checking account from my online banking and I have no access to it. I call customer service and they tell me it was removed due to inactivity. There was no warning, no letter, no email, no communication that this was going to happen. They tell me the only way to get my access back is to go to a branch and show identification. I explain I'd rather not due to XXXX plus I work and would need to take time of work to do so and that I could provide whatever identification they needed digitally but they said no, you must go to a branch. What happens to those that live XXXX or XXXX miles from a branch, do you make them take a day off of work and spend {$100.00} in gas to drive to a branch or make them fly in to get their money back? 

So I finally get to the branch on XX/XX/XXXX during the work day and spend 30+ minutes explaining what happened, they re-activate my account and I have now incurred two {$20.00} service fees which I had no opportunity to avoid since they took my ability to transfer money into the account away from me without warning. The branch manager waived one of the fees but said she didn't have the ability to waive the 2nd fee even if she wanted to, they only allow bankers one fee waiver. She gave me a number to call to get the 2nd fee waived. I spend another 30 minutes on phone explaining my story and they waive the 2nd fee. The day I got my access back, I transferred {$300.00} into my checking account per the bankers instructions to get my account balance above {$1500.00} to avoid future fees. I check my account online on XX/XX/XXXX and now have a new {$12.00} fee. I call and explain the story again, they understand and said they'll waive the fee. I check each day, no fee waived. I call on XX/XX/XXXX and spend another 30+ minutes explaining my story, he said my fee waiver request was denied because I needed an average daily balance of {$1500.00} throughout the cycle and I must have been a few pennies shy and there was nothing he or anyone at Chase could do to waive it and I had no choice but to pay it and there was no way to escalate this to anyone else, that he was the escalation and the end of the road.

This is insanity! When did Chase become this way? The last rep acted like they were doing me a favor waiving the first two fees when CHASE is the one who took MY MONEY from me without warning and then started charging me fees when I had no way to access my account! Is this criminal? Can they do this? I am now transferring my money out because when I asked to close my account he said I couldn't close because I needed to have a XXXX balance and I had nearly {$1500.00} in there. All of this over a {$12.00} fee that they refuse to refund.