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

I do not have accounts with the companies. I have requested validation and instead of sending me validation they continue to call and send mail demanding payment after I have told them I do not have an account with them and to please provide validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XX/XX/XXXX that I was unaware still had an existing balance. I was made aware when XXXX XXXX reported the balance on my Experian credit report. I confirmed with XX/XX/XXXX that the account was not sold to XXXX XXXX and that they sill owned the account. I agreed to pay the balance of {$960.00} to pay the account in full on XX/XX/XXXX, and I was told that the account would be recalled and XXXX XXXX and removed from my credit. 

On XX/XX/XXXX, when I checked my credit report, I saw that the XX/XX/XXXX collection account was updated to paid in full, and still remained on my credit report. I contacted the CEO of XXXX 's office to get the issue resolved, but I was told that they would no remove the entry, and that the agreement that was made was not going to be fulfilled. 

I contacted the CEO of XXXX 's office again in XX/XX/XXXX, and I was given the same response that XXXX would not fulfill their end of the agreement. I followed-up by calling XXXX customer service again, and I was told that, yes, in fact the account should be recalled and it should be removed from my Experian credit report. I was told this would be completed in 10 business days. I have received no notifications that this action was fulfilled, and the entry still remains on my Experian Credit report as of XX/XX/XXXX. 

I payed the balance in full, all I want XXXX to do is recall the account from XXXX XXXX so that it will be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Fortiva. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered upon checking my credit that my mortgage servicer ( Mr. Cooper ) has been incorrectly reporting to credit agencies that I am behind on my mortgage. Upon investigating, it appears they had taken my payments and wiring them out of my account into someone else 's account without instruction or authorization, or explanation. They initially did not provide an explanation of this, and I have spent over 2 weeks so far trying to get my money back, and late fees refunded. They manage the They have admitted to wrong doing on their part and that the mistake was theirs. Despite me flagging this as a problem, they continued to report derogatory data to credit agencies. I asked them ( on a recorded line ) whether I need to write a physical letter to them to serve as a " Qualified Written Request '' per RESPA section 6, and they assured me no, a phone call is acceptable.
Product: Debt collection

I am receiving repeated phone calls from XXXX XXXX XXXX. I don't know why they are contacting me because they never leave a message. They have called both before XXXX and after XXXX
Product: Credit reporting

MY REPORT REFLECT DIFFERENT VARIATIONS OF MY NAME, I WANT MY CORRECT NAME AND CORECT ADDRESS REFLECTED SINCE I HAVE A VERY COMMON NAME.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX To : Portfolio Recovery Associates , LLC XXXX Department XXXX XXXX XXXX. 
XXXX, VA XXXX Subject : Formal Demand for Debt Validation and Compensation for FDCPA and FCRA XXXX Dear Portfolio Recovery Associates , LLC, I am writing to formally dispute the validity of the alleged debt that appears on my XXXX credit report under the following details : Account Number : XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account ; {$640.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX I have never received any written notification from your company informing me of my right to dispute this debt within XXXX  days, as required by 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Your failure to provide such notice constitutes a direct violation of my consumer rights. 
Violations Committed by Portfolio Recovery Associates 1. Failure to Provide Initial Communication Notice o Under 15 U.S.C. 1692g ( a ), you were required to notify me within XXXX ( XXXX ) days of your initial communication that I had XXXX  days to dispute the validity of this debt. 
o You failed to provide this notice, thereby violating the FDCPA. 
2. Unlawful Reporting of an Unverified Debt o By reporting this alleged debt to XXXX without first providing me with a validation notice, you have violated 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
o This false reporting has harmed my ability to obtain credit and constitutes unlawful damage to my financial reputation. 
Compensation Demanded for Damages Pursuant to 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n ( FCRA ), I am entitled to statutory damages for your violations, as follows : FDCPA Violation : {$1000.00} per violation FCRA Violation : Additional damages of {$500.00} for the unauthorized reporting of an unverified debt I hereby demand immediate compensation in the amount of {$1500.00} for the violations of my consumer rights. Please send the proceeds to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Formal Demand for Action 1. Cease All Collection Activities Immediately 2. Provide Complete and Proper Validation of This Debt o A copy of the original signed contract or agreement o A full account history detailing all charges, payments, and fees o Proof that you have the legal authority to collect this debt 3. Remove This Debt from My Credit Report If Validation Can not Be Provided 4. Provide Payment for Statutory Damages as Outlined Above If you fail to comply within XXXX  days of receiving this letter, I will escalate this matter by : Filing a formal complaint with the CFPB, FTC, and the New Jersey Attorney Generals Office Pursuing civil litigation for damages and attorneys fees This letter serves as formal notice of my intent to pursue all legal remedies available to me under federal law. 
I expect a written response confirming compliance with my demands within XXXX  days. Failure to comply will result in immediate legal action. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bank of America edd prepaid cards closed my account on XX/XX/XXXX for reason unknown. when trying to find out why this happening i learn why I found that it the hands of fraud. I have had no luck in contacting them to learn the reason why. they just reuse to answer there phones. As for fraud i have done no such things. Yes I spent a lot money but it all been for relaunching my business and they unfair closed my account due to this is my assumption. as of now they took away my only way of surviving without ever one time talking to me about what going. I didn't do anything I m very upset. this is unfair. I have little over XXXX $ lift in there and 2 more week of unemployment benefits XXXX $ i can no longer clam that been award to me by the state and gov. i need help they won't tell me anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my Credit Report & I have noticed that there are quite a few bankruptcy accounts that should not been on my report. I have mailed TransUnion XXXX  XXXX  & other third parties like XXXX XXXX regarding reporting this inaccurate information in response they gave me the run around with little to no information to say something is validated. So I contacted the the bankruptcy court itself & here is statement showing that they do not report or share information with creditors or bureaus. So please remove these bankruptcies & the accounts attached to them now! 


Accounts included : XXXX XXXX XXXX ( 4 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records ( 2 ) accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX, XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} Medical XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act SENTRY CREDIT INC XXXX {$1300.00} - - - View Changes Account Information Address XXXX XXXX XXXX XXXX, WA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1300.00} Original Creditor XXXX XXXX  XXXX XXXX Past XXXX {$0.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.I m disappointed! I dont know how to delete it from my name
Product: Mortgage

BSI financial does n't send me a monthly statement each month nor can I pull from my online account. In addition, it appears each monthly payment is not applied in the month in which is was paid. The account shows paid, however, the business office is a month to two months behind in posting the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm been trying to fix my credit and it's been stressful dealing with XXXX EQUIFAX, AND XXXX. They are cleary ignoring my request for investigation that inaccurate accounts. I'm really trying to get my life together and they are holding me back. also, I did give XXXX EQUIFAX, AND XXXX consent to report anything on my consumer report according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. Here are the accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX XXXX Account # XXXX _ XXXX XXXX Account # XXXX
Product: Mortgage

I purchased my house In XX/XX/XXXX for {$72000.00} and here almost 29 years later I still owe about XXXX XXXX. I filed bankruptcy in XXXX and at that time the mortgage company informed me that my late payments would be put at the end of my mortgage. I requested to have my mortgage put on my credit report to no avail. There is absolutely no way my remaining balance should still be this high. Citigroup mortgage loan trust owns my mortgage
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX 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: Vehicle loan or lease

General Information Account XXXX Vehicle XXXX XXXX XXXX Purchase Date Sat, XX/XX/XXXX Maturity Date Sat, XX/XX/XXXX Original Amount Financed {$18000.00} XXXX % 0-day Payoff Balance {$11000.00} good through Thu, XX/XX/XXXX I contacted CAPITAL ONE to refinance my truck. 

They had me sign all kinds of documents but thought that it would be simple and straight forward. 

CapitalOne sent me my terms of loan with them : Aug 16 Amount Financed {$11000.00} -- - I called and spoke to a person about the discrepancy of my payoff and what CapitalOne has charged me and has said I owe. 

THIS IS FACTUALLY AND LEGALLY INCORRECT.
Product: Credit card or prepaid card

Best Buy has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act.
Product: Credit reporting or other personal consumer reports

I file a compliant thru the CFPB on XX/XX/year> on Transunion improper use and inaccurate information of my credit report. ( Complaint ID XXXX ) They investigated the complaint According to the FRCA " Investigatve Consumer Report means a consumer report on portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted with or who may have knowledge concerning any such items of information. 

They stated my accounts were modifed and verified accurate, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate.And according the FRCA 15 USC 1681 everything has to be 100 % Accurate as stated by law. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ) Under the Fair Credit Reporting Act, credit bureaus, medical information companies and tenant screening services must protect consumer data. These companies must maintain accurate records and investigate when a consumer disputes information These are the account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

This company is falsely reporting on my credit and refuses to provide debt validation I have paid off 75 % of this debt. They refuse to give me a 1099 to file as taxable income even though it is blatantly stated as a profit and loss right off. They are asking for {$2400.00} dollars and the highest balance was {$1900.00}. It has been sold to XXXX XXXX XXXXXXXX after written off as a loss they are fraudulently asking for more than what is owed.
Product: Debt collection

Received a phone call from a debt from XXXX  which fell off credit report in XXXXaccording to lawyers office. Getting a court summons through a servers office for a court date. This debt it 23 years old, I don't even remember it from Citibank.
Product: Money transfer, virtual currency, or money service

Deposited a {$7000.00} check through a Wells Fargo ATM in the XXXX XXXX XXXX on XX/XX/year> and was informed the deposit should be available on XX/XX/year>. I was then messaged by Wells Fargo the check was placed on hold until XX/XX/year>. Reason for hold was, " refer to check maker ''. XXXX XXXX issue the check and XXXX XXXX  mediated the transfer of funds whenever the check was deposited to Wells Fargo. Both XXXX XXXX and XXXX validated funds have moved out of their accounts and were sent to Wells Fargo. We had a conversation between Wells Fargo, XXXX XXXX, and myself where XXXX XXXX validated the check was valid and funds were moved. Wells Fargo denied funds had been moved over but they were also informed the check was valid so there's no reason for the hold anymore. I've went in person to the Wells Fargo XXXX branch and was informed the funds haven't made it to Wells Fargo and to contact the maker of the check. This is fraudulent and unethical of Wells Fargo to withhold my physical check and not issue funds as advertised through their ATM software. This has led to my apartment complex threatning to evict me and has led to late fees to incur on my monthly lease. I've tried everything to remove this Hold and Wells Fargo is refusing to release the hold. Never use Wells Fargo, I have no faith they will honor my check and will be evicted by this issue. Wells Fargo hasn't even attempted to help mediate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise.