23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to request validation of the debt you have contacted me about, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I received your communication dated [ insert date of the communication ], regarding an alleged debt. 

Please provide me with the following information : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A copy of the original contract or agreement that demonstrates my obligation to pay this debt.

4. A complete payment history of the debt, including any fees added.

5. Proof that you are licensed to collect debts in my state ( if applicable ). 

Until I receive this information, I request that you cease all collection activities and refrain from reporting any negative information regarding this alleged debt to the credit bureaus. 

Please send your response to my address listed above. Thank you for your attention to this matter.
Product: Debt collection

I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX 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 currently have my direct deposit sent to XXXX XXXX  out of California I get government benefits I have have a checking account and a credit builder account chrime advertising this credit builder they reported 2 months and stop they said it the credit bureaus not reporting my payment XXXX XXXX XXXX not reporting I don't understand whst is going on I talk to all these companies and they giving me the run around and I dealing with major health issues XXXX XXXX  and other major issues and. Me tying to fix my credit is stressful
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached due to negligence, I never authorized my information to Equifax as I do not have a contract with them. It took 46 days my information has been exposed and is now vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with each credit agency, the company XXXX is reporting 3x, 2 times negatively once under the name of TRIDENT ASSET MANANGEMENT ( {$940.00} ), another time under XXXX XXXX ( {$940.00} ) and then it shows open with XXXX XXXX with exceptional payment history and with the balance of {$230.00}.
Product: Credit reporting or other personal consumer reports

I recently viewed my account for the first time in over 4 years and noticed that there are 2 accounts that are on my credit report that I did not open, nor do I have any history as to where these accounts came from. I did not open these accounts that are on my credit report. These 2 fraudulent accounts are seriously negatively impacting my life and the ability to obtain credit. I did not create these accounts, nor do I have any knowledge of them, yet they are on my credit report and damaging my livelihood. I contacted my local police department and also contacted the credit reporting agencies informing them that there are fraudulent accounts being reported on my credit report. I was prompted to file an FTC report on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX  XXXX Balance Owed : {$3200.00}, XXXX  XXXX XXXX Balance Owed : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, not a third party at all. Noticed after challenging an alleged debt proving to be inaccurate that debt was removed and then added back without any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$850.00}
Product: Consumer Loan

XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  along with XXXX  and Equifax are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX 's failure to address or correct inaccurate and harmful information on my credit report, despite my repeated attempts to dispute these items. The accounts and issues in question are as follows : XXXX XXXX XXXX ( Charge-Off Account ) This account is reporting inaccurate information. 
XXXX XXXX XXXX  ( Charge-Off Account ) This account is also reporting inaccurate information. 
Social Security Administration Office Account I have requested the removal of this account from my credit report, but it has not been removed. 
Inquiries on My Credit Report I have requested that XXXX delete unauthorized or outdated inquiries, but these remain on my credit report. 
Summary of Events On XX/XX/XXXX, I filed disputes with XXXX through their online dispute system regarding the above-mentioned accounts and inquiries. These disputes were based on the fact that the information being reported is inaccurate, incomplete, or unverifiable. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX accounts continue to report incorrect charge-off information, even though I have provided documentation to dispute these inaccuracies.

The Social Security Administration Office account is not mine, and I have repeatedly requested its removal. 
Despite my requests, XXXX has failed to remove unauthorized or outdated inquiries from my credit report, which are negatively affecting my credit score. 
After the required 30-day investigation period under the Fair Credit Reporting Act ( FCRA ), XXXX has not resolved these disputes or provided satisfactory explanations for their actions. 

Actions I Have Taken I submitted detailed disputes for each issue, along with supporting documentation such as State ID with accurate/current information, Submitted documents of the multiple time I have disputed the same accounts since XXXXXXXX XXXX I followed up with XXXX on XX/XX/XXXX to inquire about the status of my disputes, but I received no meaningful response or resolution. 
I requested a reinvestigation of these disputes, but my requests were ignored or dismissed without proper review. 
Impact of the Issue The continued presence of inaccurate information and unauthorized inquiries on my credit report has significantly impacted my financial standing. This includes : Difficulty obtaining credit at reasonable interest rates.

Denial of important financial opportunities.

Emotional distress caused by an inaccurate and unfair credit profile. 
XXXX lack of action violates its obligations under the FCRA to report only accurate and verifiable information.
Product: Prepaid card

Back on XX/XX/year>, I purchased {$1100.00} worth of gift cards from my XXXX XXXX XXXX. I did this so that I could reach a sign-on bonus on a new credit card I had. I purchased XXXX cards worth {$500.00} and XXXX card worth {$150.00}. I activated the {$150.00} card immediately and it worked as normal ; I was able to spend the whole balance. I did not use the remaining XXXX gift cards and stored them away until this week when I figured I might as well just use them up. The gift cards state that they must be registered on a site called prepaidgiftbalance.com, but there is actually no place on the site to register the cards anymore. Interestingly enough, I do recall being able to register and use the {$150.00} card as expected, and I can still log into the site and see the remaining balance. But for the remaining cards I have totaling {$1000.00} in value, it seems I have no way to registering them for my use. I tried calling the number on the back, but was met with a man with a strong accent who suggested that I send them my ID and SSN to activate the cards. Obviously I did not comply. Upon further research, it appears these gift cards and that site are often associated with fraud scams. Having purchased these cards over 6 months ago with no way to prove that I didn't already spend the money on these cards, I am skeptical that a direct call to XXXX could resolve this. I'd rather not waste my time, and hope that the CFPB can verify my complaint.
Product: Credit reporting or other personal consumer reports

I sent the proper paperwork to the company and all XXXX credit bureaus to remove XXXX XXXX from my credit report and its has not been removed.
Product: Credit reporting or other personal consumer reports

This is to call the attention of concerned that there has been an improper use of my credit report which has result to someone unauthorized inquiries on my report, I will like this error addressed in a timely manner.I do not authorize nor benefit from any of the following inquiries, reporting irregularities is a violation to my consumer rights kindly remove all inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX ( bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX CT XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX XXXX XXXX XXXX BV XXXX XXXX VA XXXX PROF XXXX XXXX Balance Owed : {$300.00} XXXX XXXX CO XXXX Balance XXXX XXXX {$280.00} XXXX XXXX CO XXXX Balance Owed XXXX {$540.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF WI XX/XX/XXXX
Product: Debt collection

I year ago I applied for a refi on my home. I bought my home in XXXX. During that time I had a second mortgagein the amount of XXXX. After having that mortgage for 2 years, the company filed for bankruptcy and I wasnt sure who had the second mortgage. Because of this the mortgage was not paid and charged off in XXXX. 
When I applied for a refi in XXXX the second mortgage showed on my deed of mortgage and as a result I ended up making payments on the second mortgage so that I could try and refi a year later on both the first and second mortgage. The servicing agent that claimed they had the right to collect for the second mortgage stated that as a payoff I owed {$26000.00}. This amount included the past due amount of {$12000.00} plus interest that is currently accring daily. 
The refi company asked them to sign a VOM for mortgage purposes in which they refused. I contacted the company they said they were representing to collect on their behalf. The original company stated that they don't have a record of a loan with them and couldn't find it by my name, address, or social security number. The company provided me a letter stating this and I forward this information to the servicing company to request a removal from my deed of record and all the money that has been paid for the last 13 months of monthly payments that they have collected. They have since notified me that my loan is deliquent, but can not provide any proff that they have the right to service this loan. The original paper work can not be found or therefore I am filing a complaint to rectifiy this misdeed and try to get some resolution because they don't have any intentions of trying to resolve this issue ethically. I appreciate any assistance you can provide in this matter. 

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

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me, as I am a victim of identity theft. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The FCRA section 605b states that this matter should be addressed within 4 days yet, I have been ignored and violated by TRANSUNION for months now. The accounts are listed here below. Bankruptcy Chapter XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with this company nor have I entered into an agreement to pay them. This item is reporting in violation of the FCRA as well as the fair debt collection practices act section 807-8
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed this account on my report with inaccurate and inconsistent information with all XXXX bureaus. The last verified date does not match the time frame that I requested the account be verified even though I received notification back saying the account was verified. There are XXXX different date of last activity dates, which XXXX is correct? There are different date opened dates. There are different last payment dates, and the dispute status says account not disputed when I have indeed disputed these accounts multiple times. This account does not match the record of any accounts I have and all of the inconsistent information makes it difficult to know what is correct. I noticed several inconsistencies and incomplete errors regarding these XXXX accounts. These accounts are hurting and preventing me from getting my approved for my dream home. It is your duty to ensure that ALL information reported is COMPLETE AND MOST IMPORTANTLY ACCURATE. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report, and credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. 
In the case of *Henson XXXX CSC Credit Services* , 29 F.3d 280 ( 7th Cir. 1994 ), the court highlighted the necessity for credit bureaus to maintain accurate records and perform reasonable investigations into disputes. The inaccuracies on my report are negatively affecting my XXXX XXXX and overall financial health.
Product: Checking or savings account

Last day I used card was Saturday XX/XX/XXXX2017 yet I got hit today with ten transactions that all went through today. This happens on holidays I was hit last time with this scam.
Product: Debt collection

A medical bill went to XXXX party bill collectors. I 've made payment arrangements to take care of the bill, making $ XXXX payments until debt is paid. I began payments XXXX XXXX. I have not missed a payment since XXXX. But I get phone calls from the XXXX party bill collectors several times a week to " remind me to pay ''. I 've asked them to stop calling, but they never stop. Every phone call they are very rude, and when I 'm rude back, they say I 'm being uncooperative. They 've received my payments every month without fail, but will not stop the harrassing calls.
Product: Credit reporting or other personal consumer reports

I am sending to request urgent corrections to my credit report, as it appears that my file has been mixed with someone elses. There are multiple accounts and personal details on my credit report that do not belong to me. Please review and update your records accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

CAN YOU PLEASE PROVIDE DOCUMENTATION HOW YOU VERIFIED THESE ACCOUNTS ALSO WHO FROM YOUR COMPANY THAT CALLED TO VERIFY ALSO WHAT INDIVIDUAL FROM THE FOLLOWING COMPANY WHO YOUR EMPLOYEE SPOKE WITH TO VERIFY THESE ACCOUNTS PLEASE PROVIDE NAMES OF YOUR EMPLOYEE AND WHO THEY SPOKE ALSO THEIR TITLES WITH SAID COMPANIES BECAUSE I NEVER RECEIVED ANY HARD DOCUMENTATION PROVING YOU VERIFIED THESE ACCOUNTS YOU ARE VIOLATING FAIR CREDIT ACT AND FEDERAL LAWS SO PLEASE SEND DOCUMENTATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and, as a result, have been affected by identity theft. Under 15 U.S.C.1681c-2 ( a ), I request that accounts : XXXX XXXX ( {$620.00} ) ; XXXX  XXXX ( {$8000.00} ) ; XXXX XXXX ( {$890.00} ) to be blocked and permanently deleted from my credit file due to fraudulent activity. 

Please find attached the necessary documentation, including a copy of my identity theft report, to support my request. I ask that you process this request promptly and provide written confirmation once the fraudulent accounts have been removed. 

If you require any further information to complete this process, please contact me at your earliest convenience. Thank you for your prompt attention to this urgent matter.
Product: Mortgage

Back in XX/XX/XXXX my wife and I were granted a forebarance relative to our first mortgage ( Santander Bank ) on a second home in XXXX XXXX due to the effects of Hurricane Irma as we currently live in XXXX. We followed the rules and paid the escrow amount requested every month ( {$400.00} ). Because of an administrative mess up the forebearance was continued until XX/XX/XXXX. As instructed by Santander Bank we submitted a plethora of financial information to them to determine how to administer the outstanding amount. In the interim however we were informed by the Santander single point of contact that the servicing for our loan was assigned to XXXX. I was also told that my monthly payment for XX/XX/XXXX was {$890.00} which I paid. 
A few days later I received a call from XXXX and was told I owed {$9000.00} and had to pay by XX/XX/XXXX. Since that time I have spoken with the loss mitigation manager XXXX XXXX ( XXXX XXXX ). However for more than 2 weeks I have not received a call back nor any written communication regarding the change in loan servicing or my situation coming out of the forebearance. In the last three days our credit scores have decreased 90 points each! No one has called back despite repeated pleas for help.