23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My XXXX XXXX credit card was closed out and paid in full on XX/XX/XXXX. Around the end of XX/XX/XXXX I got a call saying I owed {$60.00} in interest to XXXX bank that accrued after I closed out the account. On XX/XX/XXXX I spoke to a supervisor and explained that my account was getting charged after it was already closed out and it was affecting my credit score. He said theres no way it could affect my credit score because the account is closed out but I do owe an interest. So I stated again that I had already closed my account out back in XXXX and paid in full, the supervisor agreed and said that he zeroed out my account and closed it out. About last week I was applying for a home and couldnt get applied for it because my XXXX XXXX credit card from Comenity bank kept having unresolved issues and now has XXXX dollars on it.
Product: Debt collection

The original creditor Hospital is closed. Reporting on 2 credit reports as different names and amounts but both reports show the same address as the debt collection agency. Sent Hippa Validation letter never received a response.
Product: Debt collection

A company called and said they put a lien on my property and is going to sue me for a loan that is past its statute of limitations? Regional finance
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Mortgage

Home Point Financial continues to show me as paying my mortgage late. I have tried ad nauseum to rectify this problem and as of now, it still has not. I have made all my mortgage payments on time. Not only have I have made all my mortgage payments on a timely manner, but I have overpaid my mortgage. They took one of my monthly payment and put it towards principal. Thus causing my statement to show as though I am late with my mortgage payments. I did not request that my payment be put toward principal. When I disputed this problem, Home Point sent me an email stating the problem was resolved. To date, this problem persists. Not only is this mistake on their part is causing me to seem as though I am late with my payments but you are adding fees to my account for late payment of my mortgage.

I dont know if this is a means on Home Points part to gain my house by fraudulent means, but I need this problem resolved. 

This problem continues to cause me great XXXX and XXXX of the thought of losing my house.
Product: Debt collection

I was sick with XXXX XXXX  XXXX a few years ago. During that time I was away seeking treatment. After months of being away I come to find someone that had rented from me had taken my account numbers and information. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance included in the student loan is incorrect. Over XXXX was discharge in a bankruptcy in 2012.
Product: Vehicle loan or lease

XXXX/XXXX/2020 {$86.00} - Total Fee {$76.00} - Finance Charge {$10.00} - Late Fee Double charged a finance charge and also charged a late fee. Charge was paid on XX/XX/2020 but billed again on XXXX/XXXX/2020. 

Billing statement lists : XXXX - Paid XXXX - Principal Paid XXXX - Finance Charge Paid {$0.00} - Principal due But outstanding still {$76.00} finance charge. 

Bank of America refused to acknowledge the problem and tried to waive the double fee, pretending like there was nothing wrong. Required 3 hours on the phone to resolve it, during normal business hours on XXXX/XXXX/2020.
Product: Debt collection

I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. 

To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. 

Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. 

Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/2023 Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. 

Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. 

Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Im paying a 25 % apr on my car note through American credit acceptance and XXXX having trouble paying it due to this high percentage
Product: Student loan

When loan repayment was slated to start in XXXX of 2023 following the abatement during XXXX, my monthly payment was over 4x higher than what was calculated previously. My income has not changed. I have repeatedly tried to call the servicer to find out more information using the number displayed on their website. I am left on hold for hours at a time. Longest I have waited was 4 hours before giving up. I've tried to reach them through various hours throughout the day, in the morning when they first open, the afternoon, and evening before close. I do not understand why it is so difficult to get a hold of an actual person here. I want to repay my loan but their lack of interaction is making it impossible.
Product: Mortgage

XXXX and XXXX XXXX. XXXX acct XXXX with Ditech . We have been trying for over six weeks to get a payoff amount for our house as we are selling it now in 2 days. I have left numerous messges, emails and on hold while trying to do this on the phone for anywhere from 30minutes to over an hour. Left message when I could get through for XXXX XXXX my bankruptcy representative at least twice. Most times I can not even get to her voicemail. They are taking our money but we get no customer service. Yes we are in bankruptcy but paying the house payment ourselves not through the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all inaccuracies on my credit report with Experian.
Product: Checking or savings account

On XX/XX/22 I made a {$200.00} cash deposit at the Citizens Bank ATM machine located at the bank in XXXX, CT. The machine didn't give me a receipt. So I went into the bank and explained to the teller what happened. She told me that they were having trouble all day with receipts at the ATM all day. When she went to print me one the funds weren't showing on her computer. She then explained that the ATM is serviced by a third party and I'd have to wait till the following Thursday till they serviced it. For me not to worry because it video records everything, my face, the money going in, everything. So they will audit it and I will get my money. She said that now that she documented it, my account wouldn't overdrawn and they would take care of it. 
It is now XX/XX/22 and I have made 5 calls to the branch manager. She keeps telling me she escalated the complaint and it's out of her hands. No one has contacted me to this date and my account is being charge everyday for being overdrawn with penalties. 
I would like to note that there was nothing every written on the ATM or on the screen saying that the bank doesn't sevice that machine. It has Citizens Bank plastered all over it and its at the drive through of the bank.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is a notice of dispute for XXXX XXXX XXXX ; account # XXXX. Whenever Equifax prepares a consumer report it shall follow reasonable procedures to assure XXXX possible accuracy of the information concerning the individual. This notice is to inform Equifax that the accuracy of the information as it pertains to me has been compromised and Equifax must delete this account. 

I have disputed the alleged debt and requested debt validation. XXXX has failed to provide evidence that I owe them a debt. XXXX has used my nonpublic private information in the creation of this account with the intent to coerce payment from me for an alleged debt that is not owed to them. XXXX provided deceptive statements from XXXX XXXX XXXX XXXX that contained two different account numbers. XXXX has received my notice to cease and desist ( see attachments ) yet continues to furnish inaccurate information to my Equifax consumer report. 

Equifax must exercise their grave responsibility with fairness, impartiality and a respect for the right to privacy. XXXX XXXX XXXX has violated my right to privacy by purchasing my nonpublic private information without my consent. Equifax is REQUIRED to adopt reasonable procedures for meeting the needs of commerce for consumer credit with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. Therefore, Equifax is required to DELETE this account. XXXX has furnished Equifax with inaccurate, irrelevant information, and has improperly used that information to harm me. 

XXXX can not furnish any information relating to me, to Equifax or any other consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX knew and had reasonable cause to believe that the information was inaccurate by failing to validate the alleged debt, sending me deceptive statements, and continuing to communicate with me after they received my cease and desist notice ( see attachment ). 

The completeness and accuracy of information furnished by XXXX to Equifax was disputed directly with XXXX by me so that XXXX may not furnish the information to any consumer reporting agency without notice that the information is disputed by the consumer. XXXX failed to provide notice of dispute by consumer to Equifax both after they received my dispute and multiple times after the account was updated both during the validation period and after the cease and desist notice was received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attention Equifax : I have recently pulled and reviewed a copy of my consumer report. It has come to my attention that my personal information has information on my consumer report that does not belong to me, there are employers on my consumer report that are not mine and inquiries that I do not recognize. If you would please be so kind as to delete this inaccurate information from my credit profile within the next 10 days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away according to the Fair Credit Reporting Act which shows you are required to be provided with my written consent in order to report accurate information on my consumer report. 
Please see below : My current addresses are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY that shows my written consent to retain much less report without infringing my consumer rights.

US Postal Service per the Fair Credit Reporting Act.

Instructions : Immediately delete these addresses below because your agecy has illegally mixed or merged someone else 's address and other personal information in my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identity theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY with my written consent to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY with my written consent to retain much less report without infringing my consumer rights.

Instructions : Immediately delete the inquiries below because I do not recognize any of the below inquiries nor any of these creditors has obtained my written consent to pull my consumer report according to the Fair Credit Reporting Act : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Trans Union ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Trans Union refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Trans Union refused to delete information that I provided proof of inaccuracy, I sent evidence from the California Secretary of State showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Trans Union has information that I am not privy to that refutes my disputes. Trans Union can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Trans Union conspiring against me with entities that are elusive to me? It appears that Trans Union has some vested interest in continuing to damage me. 

Trans Union has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Trans Union 's registered agent in California, so they can not say that they did not receive it. I also gave them a copy of my ID card. 

I have also requested that Trans Union delete addresses that do not belong to me. I can not and do not receive any important and/or legal mail at any address other than what I've provided to them. I demand that any and all other addresses immediately be deleted as I've been requesting. They do not have my permission to have any other address associated with me. This will expose me to identity theft attacks. 

I demand deletion of the information listed below. Trans Union can't possibly send my dispute to a company that does not exist and they have never provided me the address of the entity. Therefore, no further investigation is necessary. DELETE the accounts instead of continuing to harass me, defame my character, and damage me.
Product: Debt collection

To Whom it may concern, 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 a number of items on the report that are inaccurate. The accounts 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 accounts listed below. 

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, XXXX5 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have 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 these disputed accounts then please delete them 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 each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY