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

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please dont respond to my request by saying that the account has been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. 

SECURITY FINANCE CORPORA C/O SECURITY FINANCE XXXX XXXX XXXX, SC XXXX USA ACCOUNT NUMBER : UNVERIFIED AMOUNT LISTED ON CREDIT REPORT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Attaching documentation and proof of the > 30 day response time/lack of furnishing to me an updated credit report, as required by the FCRA ) Was examining my XXXX  credit report and notice a number of collection agent accounts that are unenforceable/not legal debts ( pursuant to the reasons I listed in my correspondence with XXXX. ) The results of my efforts : -No investigation was waged -No updated credit report/fact finding were mailed to me -The trade lines were not removed/still on my credit report This situation violated both the FCRA and FDCPA , on multiple points.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect Credit Scores are reported. Every Report has incorrect scores.
Product: Mortgage

I had gotten behind on my mortage my dad was originally on the mortage note so i applied for a modification and had to do a quit claim deed on my father to get him off of the note so only my income would be used fro the modifcation because with my dads income it was to much to pay. We did the quit claim deed on my dad and them i was approved for the 3 month trial plam for the modification and this is my third month but i received a phone call asking why did i take my dad off of the note so now they are telling me before they can do a final modification i have to do another quit claim deed to put him back on and i can not pay the payment until that is done. I even spoke with my credit counselor and he said that makes no sense to him. the mortage company is saying that the papers have to be the way they were when i first closed on the house.
Product: Money transfer, virtual currency, or money service

I sent {$200.00} through XXXX from my personal account with Truist on XX/XX/23. The scam was facilitated by XXXX XXXX  and emails on XX/XX/23 from XXXX ( confirmed not XXXX ) stating I needed to reimburse the buyer who had bought a wallet and I have already shipped ( paid for shipping of {$13.00} ). The funds would be released in XXXX once the {$200.00} was received. I have no transactions in XXXX ( verified by XXXX ) and the money is out of my checking account to XXXX XXXX - XXXX in XXXX. The XXXX XXXXXXXX buyer is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX PA XXXX.
Product: Debt collection

I am writing in response to a recent communication dated XX/XX/2023, regarding an alleged debt in the amount of {$9500.00} USD on behalf of XXXX XXXX XXXX XXXX XXXX. I am genuinely uncertain if this debt is valid and whether it pertains to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. As such, I kindly request that you provide the following information : The name and contact information of the original creditor, XXXX XXXX XXXX XXXX XXXX. 
A copy of any contract or agreement signed by me related to this debt. 
A detailed accounting of the debt, including the principal amount, interest, fees, and any other charges that make up the total debt. 
Proof that Kohn Law Firm S.C. is authorized to collect this debt in the state of Illinois. 
Any documentation that demonstrates I am legally responsible for this debt. 
Please ensure that all of this information is provided within 30 days from the date of your receipt of this letter, as required by the FDCPA ( 15 U.S.C. Section 1692g ). If you are unable to provide the requested documentation, I expect the debt to be immediately removed from my credit report and consider the matter resolved. 

I am providing my full legal name as XXXX. However, I noticed that your correspondence addressed me as XXXX. Please be aware that this information is not meant to acknowledge or confirm the validity of the debt but to ensure that my identity is correctly identified in your records. My internal case/file number, XXXX, should be sufficient for your reference. 

I request that you cease all collection activities, including phone calls and letters, until the debt validation process is completed. 

I will also be submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter for record-keeping purposes. 

Thank you for your prompt attention to this request. I look forward to your timely response and the resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for a credit card through Capital One was opened with stolen information ( social security # )
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt reported on Credit report with XXXX   through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because XXXX  and the credit agencies refuse to update the information. I have contracted XXXX, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. XXXX  and Equifax have both denied my disputes and refused to update my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing derogatory public record that is on my credit. On XX/XX/XXXX I opened a dispute report # XXXX with XXXX, XXXX and Transunion. Also XX/XX/XXXX report # XXXX as well as XX/XX/XXXX report # XXXX. I never received an update for report # XXXX.When i got the results for report # XXXX it stated " The company that reported the information has certified to XXXX  that the information is accurate.This item was not changed as a result of our processing of your dispute. The company that reported this derogatory public record is XXXX XXXX.I then requested proof of verification from XXXX, XXXX  and Transunion and was told that they don't have to disclose there proof of verification with me. After so many countless attempts the last one being on XX/XX/XXXX i have not received an information or status dealing with this last attempt to resolve this derogatory public record. Please assist me with this issue.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I reported a fraudulent charge in the amount of {$30.00} to a Macy 's store in Florida on XX/XX/XXXX. I pressed them for months to provide an update and resolve the situation since I had never set foot in the store and my card was never out of my possession. Note that the store in question was over 1000 miles away from where I live and I have never traveled to that city. I was finally given a temporary credit on XX/XX/XXXX. A week or two later, I received a letter indicating that the charge would stand and the credit on my account was reversed on XX/XX/XXXX. No details were given to support the decision - signature proof, ID shown ( the back of my card indicates See ID and again never left my possession. To be clear, I have never been to Macys XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX nor has the other authorized user on the account.
Product: Checking or savings account

Hello CFPB, I check my Bank of America checking account balance every day and every night before I go to sleep to make sure I have a positive balance on the account. 

The evening of Thursday XX/XX/XXXX I had a positive account balance. On Friday morning XX/XX/XXXX I woke up to find I still had a positive balance, but Bank of America had retroactively debited a check I wrote from my account and manipulated my account balance to let three transactions go through ( while the account was temporarily in the negative ) in order for the bank to generate overdraft fees and an NSF fee. I went to sleep with a positive balance on Thursday XX/XX/XXXX and woke up with a positive balance on XX/XX/XXXX ( minus the {$150.00} in fees the bank had charged my account ). 

I feel cheated and defrauded by Bank of America. Bank of America used deceptive and manipulative business practices in order to maximize fee income for the bank at the detriment of the customer.
Product: Credit reporting or other personal consumer reports

I called XXXX and spoke with a credit specialist and was advised to mail everything to the XXXX XXXX, PA location because XXXX address will not pick up or will just forward and things will get lost. I was advised on the phone that my report was false and fraud was made by selling information and created a debt.
Product: Credit reporting or other personal consumer reports

Remove all fraudulent and inaccurate account from my credit report.

Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

I told them Im willing to pay and asked if they can stop calling my job due to it being unacceptable and they continue to only call my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/2019 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I bought a XXXX XXXX under promotional no interest for 24 months. I then bought a wireless charger the next month on the XXXX XXXX  account. I called in that month to make the full payment of the charger since it was going to have interest, I made the payment of {$84.00} on the phone and she said that I would have no interest. I then got interest and called in, she said I needed to make another payment of {$40.00} because it didn't apply right before, and refunded the interest. I got interest again and called in a third time saying the previous two payments and calls both said they fixed the interest problem, I got a refund of interest up to XXXX XXXX. I called in XX/XX/XXXX because I again received interest from XX/XX/XXXX-XX/XX/XXXX and assumed my third call fixed the problem. They said 'oh the payments were applied to the wrong portion! you owe the interest ', even thought hose payments were maid multiple times, over the full amount, with representatives, who said I wouldn't get interest. They refused to remove interest off the account. I have since paid the account off in full, and there is still an erroneous {$18.00} of interest that I overpaid. Terrible company, bad ethical choices, and no responsibility. I've attached the 3rd calls result ( XX/XX/2019 ) where I paid the full amount and they refunded all interest that was charged so far, and you can see there is no interest at that point, then it started again after.
Product: Debt collection

To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Reporting Act ( FCRA ), 15 U.S.C. s 168i which mandates a reasonable investigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed these items. I request that the CFPB take action to ensure Experian complies with federal law and provide consumers with the necessary proof of investigation. These are the accounts that are marked inaccurate : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove account XXXX XXXX XXXX XXXX {$550.00} from my credit report. The only accounts I have with this company are with the balances {$1200.00}, {$660.00}, and {$1500.00}. I will attach the letter from the debt buyer listing the 3 accounts. This other account you guys are reporting is not accurate and if it is not removed within 15 days I will seek legal action because this is clearly a huge error and violation of the FCRA. Please see the attached letter and my proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

They sent me a letter via email : I can also see another dispute in process. This was initiated on XXXX XXXX file number XXXX, estimated completion date XX/XX/XXXX. You should received a notification about the result of this dispute soon. 

We want to make sure any mistakes on your credit report get corrected as soon as possible. It looks like there was a communication issue with XXXX that prevented us from getting a status update about your recent Direct Dispute request. 

Heres what to do next : Check your XXXX  credit report to see if the error you disputed is still there. 
If that error hasnt been updated or removed, submit a new dispute request directly with XXXX at https XXXX XXXX. ( You'll need to create an account with XXXX and follow their steps. ) XXXX will alert you of your dispute status. 
XXXX XXXX will cancel the dispute you initiated with our Direct Dispute tool. 
Youll get a follow-up email from XXXX XXXX that your dispute was cancelled. This doesnt affect any disputes you initiated directly at XXXX  and youll still be able to submit disputes with XXXX XXXX in the future. 
Make sure to take action so that your disputes get resolved. 

I hope this information helps you. Remember you are very important to us, if you need more information don't hesitate to contact us back again. 

Thanks for your preference and for being a valued XXXX XXXX XXXX. 

Regards, XXXX XXXX XXXX Support ref : XXXX : ref I requested validation through a direct dispute with XXXX by providing my original signature, that I agreed to these negative accounts to show that their was a meeting of the minds agreeing to these accounts and their terms. I filed my dispute on the XXXX XXXX site directly with XXXX on XX/XX/2021 and today is XX/XX/2021. This is thirty one days without completion and all negatives has not been removed. Please remove all of my disputed accounts.
Product: Debt collection

As i have stated previously, this account from XXXX XXXX XXXX  XXXX as of XX/XX/2018 until now keeps showing up and demolishing my capabilities of life advances when i have shown and sent in Documents as result of Identity theft. Please Block, and eliminate this Fraudulent account from my reports especially on my Experian.
Product: Debt collection

This company places this account in collections that is being disputed because the insurance company paid my account. They currently reported this debt without contacting me or sending me notification as required by law.