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

XXXX XXXX XXXX : XX/XX/XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Subject : Request for Correction of Personal Information Under FCRA Dear Sir/Madam, I am writing to formally dispute the accuracy of personal information in my credit file. I have noticed discrepancies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified. 

Here are the details of the inaccurate information that I request to be updated : 1. **Incorrect Information** XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX NC XXXX XXXX NAMES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Update my information as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX According to the FCRA, you are required to re-investigate the items in question and modify, delete, or permanently block the erroneous information from my file if it is found to be inaccurate, incomplete, or can not be verified. 

Please ensure that the necessary changes are made and send me a written confirmation of those corrections. Should you require additional information or documents to complete your investigation, please feel free to contact me directly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely, XXXX XXXX
Product: Credit card

I had a balance of approx. {$3000.00} which I have been paying off and now paid. off. My card was canceled for some unknown reason ( not myself induceded ) mid-way through. The bank was in Puerto Rico and would not let me make payments anymore online but only mail them in. 
I would mail in my payments two weeks early but my payment was ALWAYS one day late, even though make check would clear on the day it was due. I constantly was charged a {$29.00} late fee. When I called to dispute, the bank reps would refer me to the number XXXX XXXX which did not work. That number referred me back to the original phone number of XXXX. It was an endless merry-go-round. I have since paid off my card but would like something done with these crooks. They also upped my interest rate when the payments were never late. I have paid hundreds in fees The bank was : Banco Poplar XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

descrepencies un deposit unauthorized withdrawls no supervisor call backs no remedy to situation stealing my money account and giverment site doesnt match
Product: Debt collection

I am a victim of identity theft and did not benefit from any financial gain.I am disputing inaccurate information on my credit report resulting from identity theft. Please remove the following false entry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian lower my score 61 points, nothing on their site is noted for this decrease score
Product: Student loan

FSA outlined an option this year that if you consolidate your loans by end of XXXX, and elect for SAVE plan, I would be eligible for PSLF and my payments would be more manageable. I elected to do that. I applied for consolidation, and applied for SAVE. My consolidation went through and my loans transferred from XXXX to Mohela. My IDR request, however, did not go through due to the stay. Because of this, they automatically put me on the standard plan even though I did not elect for that. My current payment is now due XX/XX/XXXX at almost 4x my previous monthly payment, at almost {$1000.00} a month. Through XXXXDR I would be paying between XXXX which is a significant difference. I can elect to be put in administrative forbearance, but I will accrue interest that will capitalize if I dont pay as it accrues. Further, payments during this forbearance do not count for PSLF. I asked how it was allowed to put me on a standard plan when I was previously on IDR, and I have a new app for a different IDR, and I never once elected or authorized a standard plan. Mohela nor FSA had an answer. So Im just stuck in this limbo because they are not processing ANY IDR apps until the stay is resolved. 

Further, my PSLF apps have been pending for MONTHS before this pause even happened. One entered into review at the end of XX/XX/XXXX, before the pause, and still has not been reviewed. I have payments from XXXX that qualify, from an old lender, that I know I will have to show evidence for but I cant even get that process started because nobody is doing ANYTHING to move my accounts forward. So Im just stuck accruing interest with no credit toward PSLF and its not my fault at all. I did nothing wrong. 

I regret consolidating and switching plans. I feel like I was tricked. And nobody - mohela or FSA - seems to be able to help me get out of this limbo I am in.
Product: Mortgage

I fell behind on my payments in XX/XX/2020 because of loss of income, I had a an agreement with the bank to pay an additional {$500.00} in addition to my regular payments. The bank sold a loan to another company and the payment agreement was no longer valid. The new company that owns the mortgage is a debt collection agency. They do not want to work out any type of agreement with my payment options.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have signed up with a Debt Consolidation company, XXXX XXXX XXXX  months ago. Best Egg, the loan company in question agreed to a settlement almost right away and has been receiving regular monthly payments for XXXX  months. In XXXX and after receiving 11 payments they suddenly reported my account as 60 days late and again this past month reported my account as late. I never expected to have everyone report on time payments through this process. I know it is my mistake and my stupidity that I am in this situation, but I never expected that after receiving agreed upon payments and on time payments for a year that a company would all of a sudden decide to do this. This can not be right. 
Best Egg Owed {$3500.00} Agreed Settlement {$1800.00} 13 of 24 payments have been made on time
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$280.00} XXXX # XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$500.00} XXXX # XXXX XX/XX/XXXX -- {$980.00} XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXXT # XXXX XX/XX/XXXX -- {$2900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX
Product: Debt collection

The specific nature of the problem refers to the terrible customer service of XXXX XXXX XXXX XXXX. Over two months ago I 've sent a payment via postal mail and I still have n't received a payment receipt. Every time I try to call I 'm transferred to someone that never answers the phone and whenever I do leave voice messages no one ever returns my call. This is a horrible way to treat customers who are trying to rectify their accounts. Unfortunately this has happened before ever since they 've had my account over the past two years. I need a payment receipt for payment made in XX/XX/XXXX and every payment I 've made since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax Mortgage XX/XX/2022, XX/XX/2022, XX/XX/2022 never applied for mortgage with company
Product: Credit card

Came back from vacation with alerts from my XXXX card credit notifying me that there was and added credit card while I was on vacation in my account. After arriving home I found an envelope with an actual XXXX for {$700.00} limit delivered to my home. 

As I looked further, my email also was showing that someone requested a paperless account and acquired my business email : XXXX. This is not my personal email, I will never use this but for work related correspondences. 

Called the number behind the card : XXXX and XXXX was able to speak with a representative named : XXXX and XXXX and notified them that this is fraudulent and requested this account be closed as soon as possible. 

The representative, XXXX, informed me that they are not allowed to send me any correspondence such as contract with signatures and or the online application they received. She gave me the company : XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Oregon XXXX XXXX and she claimed to have closed the account but it will not be taken off my credit until they complete an investigation. 

I informed her of the importance to receive the documents I requested in order for me to file a police report but she refused to send me anything and was very unhelpful over the phone. 

This company not only opened a fraudulent credit card, they are not willing to help me file for the needed police report.
Product: Debt collection

There is a collection account on my credit report from Cavalry Portfolio Services. It says they are reporting it every single month, which is just another means of harassment to get someone to pay. I have never even taken out a credit card with XXXX XXXX in the amount of {$440.00}. They are also reporting this as late, but I do n't even know how it 's possible to be late on a supposed collection account. I do n't have a contract with them. In fact, on their very own " validation '' it says previous arrangements are not applicable. There 's nothing to be late on. I 've never even been contacted by them. I 've never been contacted by XXXX XXXX about this account either. In fact, I just opened a new credit card account in XXXX with XXXX XXXX, but Cavalry just keeps reporting this collection item and on top of it report it as late every month. I called Cavalry again on XXXX/XXXX/16 at XXXX and requested validation of this debt. I was told that they do not own the debt and that they are not reporting, which again then should n't be on my credit report because it says being reported by Cavalry every single month for YEARS. Cavalry told me that XXXX XXXX owns this account and gave me their number. XXXX told me that they are owned by Cavalry and Cavalry is the one reporting this. I called Cavalry back again at XXXX and I again was told that there 's nothing that they can do and they are n't the ones reporting this although it 's on all three credit reports as such. I called XXXX XXXX back yet again and asked again about validation. I told them that if it is somehow indeed a valid debt that I would pay them, but they just told me that I should just know if a debt is mine or not and if they send me validation that it will just say that I owe {$440.00} and pressured me to just pay them over the phone and when I requested validation yet again they got gruff and hung up. A month and three days later ( today ) I called XXXX back to ask about my alleged account and spoke with XXXX XXXX at XXXX and she told me that after I asked for validation on XXXX, Cavalry recalled the debt the very next day. They are simply trying to hide that they never even owned this debt while they were reporting it, incorrectly reported and are shuffling this back and forth so that I ca n't do anything about it. Cavalry and their subsidiary ( if they even are a subsidiary! ) are just giving me the run around and it 's unethical and this needs to be deleted from my credit reports. Furthermore, each time a debt is assigned or sold to a new collection agency or law firm, that agency must advise me, very specifically, that I have a right to dispute the debt and request verification of the debt. I requested validation of my own volition numerous times and I have NEVER received a right to dispute.This notice is required pursuant to 15 U.S.C. 1692g of the Federal Fair Debt Collection Practices Act ( FDCPA ).
Product: Vehicle loan or lease

I reached out to Honda and they agreed to help me out with some good Will by removing all derogatory marks on my credit that was fufilled at the time of working together, up to this day Honda has not kept their word that was sent to me via mail. Which was to remove the lates and so on. They have removed from one bureau but not the others. This 120 days late that still shows on two other brutes is occurred at the time and end of the lease where the car was returned but still reporting under my name after I was told my balance was at XXXX $!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Indingo Mastercard original name. 
I called XX/XX/XXXX is when I learned the name changed or company was bought out. They have incorrect balances reporting across all three credit bureaus. XXXX payment XX/XX/XXXX late XXXX days XXXX XX/XX/XXXX late XXXX days XXXX XXXXXX/XX/XXXX late XXXX days. Date opened XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have not closed my account I want to keep my card but need inaccurate information updated to reflect and stop harming my credit. The address is inaccurate my address should be XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. I have reported identity theft in the past and have filed police report that why it is imperative they have my name and address correct and account history accurate. 

My statement due date is the XXXX of each month. I have been paying before statement due date and they still are reporting inaccurate information XXXXXXXX XXXX  days past due. This account is impacting my credit report. I am homeless and continuing to be denied approval for apartments because of this information reported on my credit. I contacted XXXX XXXX because I have an open account that I am paying on the account is active. I requested they remove the late payments and past due balances because this is inaccurate. I called them in XXXX several months to resolve the issue and was told they would remove the late fees and inaccurate information before they switched over to concora credit they changed names. I spoke to a rep on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX to discuss account and nothing has been done. I made payments XXXX that I can find as of today from bank statements. Payment on XX/XX/XXXX {$50.00} late fee charged XX/XX/XXXX. 2 payments XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} due date was XX/XX/XXXX. Paid XX/XX/XXXX {$30.00} XX/XX/XXXX. {$30.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$45.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$100.00} This was verified on my statements from them as well. I just need the late payments removed as promised before they switched company names. I am not closing my account with them just requesting the late payments be removed since the account is open and is being paid on.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the banks associated with the fraudulent accounts. The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over XXXX years. 
But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. PLEASE DELETE THE ACCOUNTS BELOW : 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

Kia motor finance Corp is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from Kia as well showing on my reports. Ive had 3 leases with Kia and the only current correct one is may of 2019 for {$21000.00} having 3 Kia accounts reporting balances increases my debt which is wrong.
Product: Credit reporting

Experian is telling me that their policy requires consumers to get letters from creditors to remove dispute remarks from their credit report. This process leaves consumers completely at the mercy of creditors. In my experience out of XXXX creditors, none of them have been able to provide documentation to help me get these remarks removed. Mind you, I have PAID these accounts off. They are at a zero balance. Due to this issue with Experian, my mortgage loan approval was halted. My lender tried to use their XXXX XXXX program to help get these dispute remarks removed, but they were told of Experian 's policy. I spoke to several representatives at Experian and even a supervisor indicated they had no authority to remove these remarks without documentation from the creditors. The responses from the creditors varied wildly from " We do n't have access to your account any longer '' to " We do n't send letters ''. I had one assurance that I something would be submitted to Experian within 24-48 hours, but somehow I do n't believe that. This is causing me to fall into a mortgage category with a higher interest rate with a mortgage payment costing approximately {$360.00} more per month. There is no resolution and this seems like an endless loop of phone calls and dead ends.
Product: Credit card or prepaid card

I tried to log onto my account online for over a week now to check my account and ensure that I have a payment scheduled for the due date. For this entire time the site has been down. There is a current note on the site that reads, " We are currently undergoing a planned system update that has taken longer than expected, thank you for your patience as we work to restore service as quickly as possible. In the meantime, your account information remains secure through this update. We apologize for any inconvenience caused by this disruption. '' Please tell me how someone is supposed to verify that a payment has been schedule. Or tell me how someone is supposed to pay when they can not access the site. 

There is an option on the site to " Pay Faster Without Signing In ''. I tied to log in via that link with my information and it did not work. 

This seems like the company is trying to make it harder for people to pay their bill in hopes that they miss a payment so they can charge late fees and interest. This needs to be resolved. There has been nothing but problems every since this new company took over this credit card and it really seems like some shady business practices. 

Fix the issues and do better.
Product: Payday loan, title loan, or personal loan

I made a XXXX payment on XXXX with a representative and they told me it would take XXXX hours to process. I checked today XX/XX/13 and they still havent processed my payment. This company is purposely trying to keep me from paying off this loan to charge me extra fees.