23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX in an attempt to collect a debt in the amount of {$5700.00}. The letter clearly stated " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, the office will assume this debt is valid ''. This clearly means that prior to that 30 days, the office should not assume that the debt is valid yet on XX/XX/XXXX, I received a credit monitoring alert that I had a new collection account before I even received the letter from XXXX XXXX XXXX. This was reported by the company unlawfully and to make matters worse ; the item is showing as a collection item under the name Jefferson Capital System ( a company I have NEVER had communication with nor has an attempt been made to contact me ) and falsely reporting that the account was opened on XX/XX/XXXX. The letter further states that " If you notify this office in writing within 30 days from receiving this notice, that the debt or any portion thereof is disputed, this office will obtain verification of the debt or obtain a copy of a judgment and mail a copy of such judgement or verification ''. Please be advised I have requested VALIDATION { not verification } ( Notarized and Emailed on XX/XX/XXXX -- Still Within The 30 Days of XX/XX/XXXX ) of an item sold to XXXX XXXX XXXX by the original creditor/collection agency. I have received a response that clearly violates my rights. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the above mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. 

You and your inaccurate reporting has damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in reference to my disputes. Section 611 ( a ), it is plainly stated that a failure to dispute these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 45 days and everything mentioned should be removed promptly. I demand these accounts be deleted immediately, or I will file for litigation for the stress you have caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried multiple time past year to have this one account XXXXXXXX XXXX XXXX removed. I CALLED XXXX the original creditor. My first delinquency with them dated back to 2013. So these credit bureaus are NOT doing investigations as they say they are. The consumer law states 7 years from first delinquency with ORIGINAL CREDITOR. Its been TEN YEARS. This is a violation of my rights. They REFUSE to provide any proof of any information they have. They show no proof how they investigated. Again VIOLATING MY RIGHTS. If they would do their job and investigate they would see this company is fraudulent!
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I filed a XXXX XXXX XXXX  At the time, I had a cash advance balanace of {$120.00} which I was wiling to pay. I had been contacted by Chimes corporate counsel XXXX XXXX XXXX advising in order to comply with the XXXX XXXX ( because they were attempting to collect on this bankrupt debt during the bankruptcy proceedings ) that they were forgiving the debt. 

I made several attempts to contact XXXX XXXX to verify if they were going to delete the credit bureau reporting since the debt had been forgiven per his email. XXXX XXXX did not respond. 

After the bankruptcy was closed in XX/XX/year> XXXX started to report this debt for which they had forgiven as a bad debt on my credit bureau. 

This is deceptive in the worst possible way. They represented in writting a contract that they forgave a debt then misrepresented to the credit bureaus that it was a bad debt in order to attempt to both slander my name and attempt to collect on a debt for which they contractually forgave. 

They are illegally furnishishing misinformation to the credit bureaus which is resulting in a significant drop in my XXXX XXXX and an inabilility to obtain credit.
Product: Debt collection

Refusing payment. I have attempted several times to pay an account they are reporting on my credit report. The address provided on credit report is undeliverable. I then looked up address through BBB sent a check out and it was returned saying there was unacceptable markings on it. On the memo line i wrote exactly what it says on the credit report! XXXX XXXX XXXX the check was written out to Portfolio Recovery. I do not understand why they are refusing payment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Late Payment Reporting Under 15 U.S.C. 1666 ( b ) To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and pursuant to Section 1666 ( b ) of the United States Code. Specifically, I believe that the late payment ( s ) reported by [ Creditor 's Name ] for [ Month/Year ] are incorrect and do not reflect my true payment history.

The disputed account details are as follows : Creditor/Servicer Name : XXXX XXXX XXXX Account XXXX Date ( s ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : Paid Creditor/Servicer Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ( XXXX ) of Late Payment Reported : XX/XX/XXXX Amount Reported Late : {$230.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute that this account was reported as a late payment for the following reasons : According to 15 U.S.C. 1666 ( b ), I am entitled to a resolution of the dispute within 30 days. Under the law, if the reported information is found to be inaccurate or incomplete, the credit reporting agency is required to correct or remove it.

I request that you : Investigate this dispute
and correct or remove the inaccurately reported late payment ( s ).

Provide me with written confirmation of the outcome of your investigation, including a copy of my updated credit report reflecting the corrected information.

Notify the creditor that the reported late payment is under dispute and, if necessary, provide them with my dispute information for further clarification.

Please confirm receipt of this letter and inform me of the next steps in the dispute process. If you require additional documentation or clarification from my end, feel free to contact me directly at XXXX or via email at XXXX Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter requesting that you reinvestigate the disputed Account from my credit report as well as correct or update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

We have 2 complaints regarding Chase Bank XXXX XXXX XXXX XXXX, NJ First complaint we opened a checking and savings account with XXXX who inputted my first and last name incorrectly, my SS number incorrectly and only had my DL number correct. 

When we were referred to him to resolve the issue XXXX made our checking account our savings account and savings account our checking account without our knowledge. 
This resulted in our initial deposits being incorrect which XXXX corrected himself without our knowledge. 
This also resulted in us having checks for a savings account and a checking account created by XXXX. 

These checks also had 2 different routing numbers on them which we still have not received a valid answer for to date. 
When we asked the branch manager what would happen if we used these checks he said they would probably bounce and it was no big deal. 
No big deal to who them? 

On XX/XX/XXXX our checking should have had {$3600.00} in it and our Savings {$5000.00} they did not as initially opened. The money was Secondly we were given a voucher that states if we open a checking. and savings account we would receive {$600.00}. The money was moved on XX/XX/XXXX without our knowledge. 

The {$600.00} voucher money appeared in our account on XX/XX/XXXX for a day and than disappeared. 
We question how this money can deposit and withdraw from our account without a trace and were told this never happened. 

We spoke with the brand manager XXXX and got no response to date. 
We requested the regional manager address the issue got no response to date. 
We contacted Chase Corp and spoke with XXXX who did not resolve our issues and would not return our calls in a timely fashion. 
We spoke with XXXX 's supervisor XXXX who was more attentive to our issues and returned our calls but has now referred us back to XXXX. 

Per our conversation with XXXX on XX/XX/XXXX we were told we had to deposit {$15000.00} to get the voucher in our savings account. 
as can be seen by the voucher no such requirement exists. The voucher states deposit {$15000.00} in savings OR have direct deposit set up. 

We are against setting up direct deposit until our concerns are addressed. 
Money disappeared from our account without a trace. 
We were issued bad checks from the bank representative Money was moved without our knowledge XXXX was questioned and lied he never did any such thing, well than how do we have these checks and deposits slips which reflect our statements? 
Customer service is horrendous!! 
I have no faith in this bank doing the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed several incorrect information on my credit report several times and Equifax fail to corrrect/delete. 

Creditor XXXX XXXX XXXX acct # XXXX is currently being incorrectly reported as an OPEN COLLECTIONS. This acct has been included in my XXXX XXXX XXXX that has been XXXX and should not appear on my report. 


Creditor XXXX XXXX acct # XXXX is included in same XXXX XXXX XXXX that is XXXX and should show XXXX balance or DELETED. 


Creditor XXXX XXXX acct # XXXX is included in XXXX XXXX XXXX XXXX and has NEVER been LATE. Incorrectly reporting XXXX days late. DELETE at once. NO PAYMENT HISTORY SHOULD BE REPORTED AS LATE AFTER XXXX XXXX FILING DATE.
Product: Debt collection

On XX/XX/26 I was notified by the XXXX XXXX working on my house closing that their was a lien against me. Therefore, the XXXX XXXX paid the lien with my extra from closing costs. 
However, I settled with XXXX XXXX for {$1900.00}. XXXX XXXX relief has made 4 payments to them ( XXXX XXXX ). The XXXX XXXX paid them {$2100.00}, which was more than my settlement. Simple math tells you that you should take the amount of settlement and subtract those 4 payments. Levy LLC says I'm owed nothing. Wont release information to me and wont tell XXXX XXXX XXXX Account is paid in full so XXXX   XXXX XXXX stops paying them. The lien is still not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing to delete the following information in my file. the items i need deleted are listed in the report .i am a victim of identity theft and did not make the charge, i ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federdal trade commission and i alson have enclosed copies of the federal trade commissions identity theft affidavit .please delete the items as soon as possible
Product: Debt collection

Last year my friend XXXX XXXX took out a loan last year with Kinsmith loan company, XXXX XXXX  She got behind and they are calling her everyday along with calling me and our job which is getting beyond harassment!!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below.

Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Please verify and remove the following immediately : XXXX XXXX XXXX never been late XXXXXXXX XXXX XXXX  XXXX never been late
Product: Debt collection

Received a notice from the aforementioned that I owed a debt to a company that I have never done any business with. They claim that they purchased the account from another entity and the original creditor was XXXX XXXX. As I mentioned, I have never done any business with XXXX XXXX, so I disputed the debt and sent to the address provided ( see attached scanned copy ). 
I XXXX the company ( Commonwealth Financial Systems ) and the results showed a huge number of complaints for this company where they have been fraudulently billing people with adverse impact to their credit ratings.
Product: Mortgage

We paid the company and nothing was resolver. The bank did not want to do a loan modification for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been fraud inquiries on my account with American Express, XXXX, XXXX XXXX  and other companies.This issue has been going on for a couple of months is there any way that I can get some assistance with getting this issue resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Portfolio Recovery Associates , LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Portfolio Recovery Associates , LLC the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Portfolio Recovery Associates , LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Portfolio Recovery Associates , LLC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Loancare of XXXX XXXX VA reported I had a 3 month long mortgage with them. I asked for documents proving this, as I had never had one with them. They did not respond and instead left 2 " dings : on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported late payment on one of my accounts. After dispute, they corrected the issue. Now they overlaid corrected information with incorrect information again. Experian needs to stop fraudulent practices to make money.
Product: Credit reporting or other personal consumer reports

I'd like to express my strong dissatisfaction with the unauthorized accounts appearing on my credit report, which I believe are the result of identity theft. These accounts are causing significant disruption to my financial standing, and I insist on their immediate removal. I have taken the necessary steps to address this issue promptly, including reporting the identity theft to relevant authorities and disputing these fraudulent accounts with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. Given the seriousness of identity theft and my rights under the Fair Credit Reporting Act ( FCRA ), I insist that you take immediate action to remove these questionable accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XX/XX/2019 - I received an e-mail from XXXX XXXX stating " We've received your payment '' for {$50.00} - I have not made any recent payments to XXXX XXXX. 
- I contacted XXXX XXXX  via their online chat, and they stated, " I can see a {$50.00} payment was initiated using our phone number. It was not intitated by XXXX. It's a Manual payment made using our Pay by phone number. '' - I advised XXXX XXXX  I had not made any payments by phone. I have not authorized any payments. I advised them to cancel this phone payment as the account it was posting to has no funds available. 
- XXXX XXXX then advised, " I can see your account has been transferred to XXXX XXXX, so need to have a word with them for it. You can call FIRSTSOURCE ADVANTAGE LLC at XXXX for more info on it. '' - I replied to XXXX XXXX stating the payment shows directly from XXXX XXXX in the e-mail not a third party company. 
- XXXX XXXX made no further responses.
Product: Checking or savings account

I have a citi bank account and after making a coupling of transactions I was blocked from using the account. Now when I call them Im being told that I need to have access to an old phone number that I no longer have and have not had for over a year now. The only other option Im giving is to wait on a letter but Ive been locked out of my account for over two weeks now and this is unacceptable. Its very strange that they would allow someone who has my old phone number access to all my banking information and personal details.