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

I am writing to follow up on my previous dispute regarding inaccuracies in the account information listed under account number XXXX on my credit report. Despite your initial investigation, the information remains incorrect, and I respectfully request a thorough reinvestigation. 

The discrepancies in my credit report are as follows : Balance Details : The account is marked as " Paid off '' with no balance or balance update information provided. This lacks clarity and completeness. Additionally, the original balance is shown as {$14000.00}, which needs to be verified and corrected if inaccurate. 
Payment Summary : The payment summary for the years XXXX through XXXX is incomplete and inconsistent, showing only " XXXX '' for XXXX each year. This does not accurately reflect my payment history. Please review and correct these entries. 
Account Status : The account status indicates " Closed, '' but no information is provided about the closing date or any associated details. Please verify and update this information for accuracy. 
Additionally, I would like to state that this account was consistently paid on time and never late. The current information does not accurately reflect this fact and unfairly affects my credit report.
Product: Credit reporting or other personal consumer reports

Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed, and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, Equifax, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Use of my copyrighted property * Violation of the Fair Credit Reporting Act section 1681b * Misrepresentation of facts I would like to further inform you of the following laws.

*15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice.

I also want to remind you of the following laws : - 15 U.S. Code 1692g : Validation of Debts - 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance - LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Under these laws, I have the right to dispute the accuracy of any information reported to consumer reporting agencies. If I notify you in writing within 30 days of receiving this notice that the information is inaccurate, you must stop collection activities until you have verified the information and provided me with a copy of the verification.

I also want to clarify that my request for validation of the debt does not imply any admission of liability. It is my right to do so under the FDCPA, and failure to comply with this law may result in civil liability. 

Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX the was a Mobile deposit check that I made with chime bank for the amount of {$120.00} there was a glitch in their system I have explained this since XXXX telling them that it only released {$13.00} they told me to reach out to the issuer of check which is progressive insurance progressive informed me that the check was cleared on XX/XX/XXXX for {$120.00} they have yet to provide me with the release of my funds since I have provided this information they have lied like it was a money order they have said that again I need to get a check from progressive which it has cleared I gave them this reciept number XXXX cashed XX/XX/2023 the reference call number is Chime Re : Phone Call from User ID XXXX. 

I also want to know if I right to sue at this point. 

Thanks
Product: Debt collection

XXXX XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT BY THE COMPANY ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, AND AFTER I SUBMITTED A COPY OF THE POLICE REPORT FOR THIS ACCOUNT TO ALL 3 CREDIT BUREAUS. THEY ALLOWED THE COMPANY TO PUT THE INFORMATION BACK ON MY CREDIT REPORT. THEY FILED A LAWSUIT AND THE JUDGE DISMISSED THE CASE DUE TO THE POLICE REPORT.
Product: Checking or savings account

XXXX XXXX with XXXX XXXX XXXX called and said that he could get us a revolving line of credit for our business for XXXX. XXXX XXXX with XXXX XXXX was on the three way call confirming this. he just needed a surety bond so he was protected. to get the surety bond we had to boost our credit with a 10k loan from XXXX XXXX XXXX. we would pay back XXXX and 2k of fees came out of the 10k. ( total out of pocket was XXXX ) we signed a contract stating that in the event that the buyer ( XXXX XXXX XXXX XXXX XXXX ) backed out of the revolving credit that we would get the money back from the loan of 10k ( loan was from XXXX XXXX funding ). They did the loan and ran. Wont answer me. stole our money. and took more money from our account than what the contract stated, Now our bank is negative, lights are shut off at our house, no money to eat, and Bank of America ( my bank ) just puts us on hold for hours HOURS each day. we stay on the phone with them trying to recover just the part that wasnt ever authorized ( 2 payments of {$590.00} ) they transfer us from dept to dept make us re-submit paperwork ( literally because of an ink blot on the bottom of the page ). We NEVER AUTHORIZED the ACH withdrawals of XXXX on the XXXX and XXXX of XXXX. They have said its expedited. Now they say we have to start all over because of an ink blot on the bottom of the page ( you can barely even see it and its literally no where near any part of the page they need ). We NEED YOUR HELP!!!!! WE HAVE NO MONEY TO EAT!!! OUR LIGHTS JUST GOT SHUT OFF YESTERDAY!!! ITS COLD!!! I have the loan paperwork. The pay of letter all kinds of stuff. Please help us. Im begging you. We are COLD. We have NO money. Bank of America wont give us the money that was STOLEN from us. Please dont just pass this off. Please at least call me, if I dont answer its because the phone is in my car charging because we have no electricity. I will call you back if you leave a number.
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX from Kimball Tirey & St. John LLP, trying to collect a {$400.00} debt from my previous apartment management company XXXX XXXX. XXXX  has not adhered to California Civ. Code, 1950.5. regarding charges and deposits. After notifying XXXX in 2022 about their incorrect charges, they adjusted the amount, although their request remains incorrect.

They are charging me for : - Painting the apartment - Cleaning the apartment - New closet doors- Changing front door lock - Security lock removal The only charge I agreed to pay for was a security lock removal once a receipt was shown, however no receipt has ever been shown even though I asked the law firm for this when they contacted me. The receipt they sent to me last week is the same handwritten receipt I was shown from XXXX  that is from a handyman who apparently painted, cleaned, and got new closet doors. However, I painted and patched up the apartment before moving out and I have shown them email proof with XXXX  that I bought the paint and painted the apartment. I also did a deep move out cleaning. Painting and cleaning is within normal wear and tear and not something they can charge me for. A handyman also recently came before my move-out to put in new closet doors.

They also want to charge me for changing the door lock, but the change was their decision and not my expense ( and not something that a landlord can deduct from the security deposit anyways ). 

I disputed it over the phone and will mail an official dispute this week of XX/XX/XXXX. Today XX/XX/XXXX, they called me and confirmed my dispute and told me they will still send me to collections, despite my email and proof sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new XXXX XXXX XXXX fully loaded, valued at {$33000.00}. However, this vehicle was stolen from our XXXX property on XX/XX/XXXX of XXXX sometime after XXXX. The next morning at XXXX, we realized it was gone. The police were called immediately and an incident report was made. My car insurance and GAP insurance paid it off, which is why we did not make a payment. We are now on XX/XX/XXXX and this incident is still affecting my credit negatively. 

I would like my credit to be free from this negative incident, which already was taken care of by XXXX XXXX and GAP insurance. The credit bureaus should process this matter accordingly in order to remove this negative impact. 

The reason the payment were not made is for the fact that the car insurance and gap insurance was covering the total loss and paying the finance company in full. This should have never reflected as 30 days late payments in XXXX and in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received financial aid through the form of title 4 grants. I withdrew from my classes and was requested to return the financial aid. I contacted my schools financial aid offices and they advised me everything was in good standing and that the repayment would be taken care of with the following semesters disbursement of funds. They then referred my overpayment to the Dept. of Ed for repayment, there was no mention of this prior, there was also no mention of it becoming a collection/derogatory mark on my credit report. I don't believe my school notified or educated its students properly when dealing with these matters. I never received any communications by phone or by mail, they were only sent through the schools email. I believe with the severity of this incident the school should have done more to notify me, the student, of this situation and how to rectify it prior to completely damaging my credit. I believe there was negligence among employees and administration when handling these matters, there need to be more protocols in place. A school is supposed to be somewhere for people to learn and grow but in this teachable experience, all that happened was the laziness of the staff in terms of notifying me and the complete lack of care when it came to my future regarding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TAKEN ADVANTAGE OF DUE TO MALPRACTICE WHILE SEVERAL LAWS WAS BEING BROKEN UNDER THE ( FCRA ) BY YOUR COMPANY, THIS HAS CAUSED ME FINANCIAL INJURY, ALSO THIS ISSUE HAS CAUSED ME DEFAMATION OF CHARACTER, I CANT GET A JOB, I CANT APPLY FOR CREDIT.UNDER THESE CHRISIS YOU HAVE HURT MY ABILITY TO OBTAIN CREDIT.I WILL ALSO BE FILEING A COMPLAINT WITH THE ( FTC ) CONCERNING THE NEGLECT OF YOUR COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in the Lending Act 15 USC SECTION 1601-1692 and asked verification of these claims of the debt I claim to owe.
Product: Credit reporting or other personal consumer reports

My XXXX  loans were paid in full in XX/XX/2024 and the Credit bureaus are still reporting false late payments. I have sent documents of the loan pay off, but they are still showing unpaid and late.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

good Afternoon, XX/XX/2020. 
I am reporting severe deposit, withdraw and posting and avalible funds issues due to victimization of abuse of power and raquiteering of my idenity. I Request my financial benefits posted and available legally as indicated by international law. I also request my contranct to be honored
Product: Credit card

I received my waytogo bank statement ( child support payment debit card ) and it showed a charge for something called XXXX XXXX XXXX. I looked it up on XXXX and it's in XXXX  i got their email contact info and emailed them asking them who made the transaction=, what was purchased on XX/XX/30 XXXX {$79.00}? and for them to please get back to me because i was disputing transaction of {$79.00}. I tried to contact the wayto goprogram.com and there's no option to contact them either on line, in the app or by phone, I called XXXX  times and selected different variations of # sequence and was not able to get through to customer service. all i was able to do was cancel and reorder my card. This is ridiculous. This is a state distributed card not just some generic debit you get at the gas station.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$16000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.
Product: Mortgage

I just received today XXXX XXXX, 2016 a notification that my house is put on foreclosure on XXXX XXXX, 2016. My house is still under HAMP modification program with Nationstar Mortgage. Nationstar some time requested some documents from me to continue the processing of my HAMP loan modification which I sent promptly to them. I sent all the appropriate documents to them. Since then I never heard from them even my calls every week to my dedicated loan specialist XXXX XXXX to check on the status of my HAMP modification were ignored. When she called me instead of addressing the purpose for which I called her she will simply leave a message for me saying " I am returning your call. '' One day she picked up my call and I asked her about the status of HAMP loan modification she asked me to write down the documents why on phone. I told her to send them to me in writing as they could be denied. Her reply was she does not write. I told her I will be expecting the documents and since then I never heard from her again. All my phone calls to her were ignored. The foreclosure letter id said that the foreclosure AD was enclosed in the letter and I could not find the enclosed AD. I know of XXXX and not know of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states : I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I called XXXX XXXX at a XXXX number to purchase airline tickets for travel to XXXX. I was charged a foreign transaction fee by the credit card company. I purchased tickets from a XXXX branch in XXXX Dollars. How can I be charged a fee by the credit card company? I have purchased airline tickets this way before and have n't been charged a fee. Please advise.
Product: Credit reporting or other personal consumer reports

Experian is reporting that the ( XXXX XXXX XXXXXXXX ) account status as Late ; however, according to XXXX and XXXX online monitoring services report, I have no late payment and no collection on the ( XXXX XXXX XXXXXXXX ) therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit reporting

I have been in contact with Transunion , LLC since XXXX 2016, to notify them of fraudulent activity on my credit file. I have sent them copies of certified return receipt letters that were all signed for to several creditors, as proof. I have also allowed each creditor well over 120 days to provide me proof that these accounts and inquires that were in question by me were truly mine, however, the remaining ones that are on file are still there, after they have failed to provide me proof or even respond within the allowable 30 days, when I have allowed 120 days for a response!!!!. I have sent XXXX in the Specialty Priority Department at Transunion the police reports of where XXXX of my homes got broken into and my vehicle all on different days as she requested in XXXX of 2016. She informed me that she would then correct my file through other procedures that they had in place at Transunion after receiving the police reports from showing the break-ins. I have called Transunion repeatedly for two weeks now to check the status and they keep transferring to different departments saying that XXXX never uploaded the documents and that there is nothing they could do at this time. XXXX representative went as far as to tell me, that I sent them to the wrong fax number. I told the representataive that the fax number I had came straight from XXXX in the Specialty Priority Department and I verified the fax number she gave me several times to make sure it was correct. However, the representative XXXX XXXX said the correct fax number should be XXXX instead of XXXX. I asking for the Bureau of Consumer Financial Protection, to enforce Transunion to correct my credit file immediately, deleting the fraudulent accounts off of my credit file along with the inquires listed on my credit file, which I never gave authorization for as reported on my credit file. The accounts that are fraudulent are : XXXX XXXX needs to be removed and any collection account activity, XXXX needs to be removed and any collection account activity, all XXXX inquires needs to be removed as listed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax - I am unable to log into myEquifax account. I spoke with XXXX different Equifax representatives regarding this problem, on two different days. The representatives were very hesitant to give me any information, but finally indicated to me that I " possibly '' have two different files at Equifax. Apparently XXXX XXXX XXXX was sending incorrect information to Equifax specifically my name/account was attached to my wife 's Social Security number. According to the representatives, this was apparently creating two different files within their system. As a result of having two different files, I am unable to log into myEquifax. I am also concerned what other repercussions to my, or my wife 's, credit scores may occur due to their error. On XX/XX/2020 I faxed my concern/complaint to Equifax ( XXXX ). Over a month later, I have not had any communication whatsoever from Equifax. They never acknowledged receiving my fax, never acknowledged any investigation was ongoing and have never asked for any additional information. Of course I realize that during the pandemic, company hours and staffing may be less than optimal, but to not at least acknowledge receiving my fax/correspondence is inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX are reporting, a bankruptcy on my consumer report and they have put in the data furnisher as ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX which is false. I have attached a letter from the ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX verifying and stating that they do not furnish information to the consumer reporting agency or any credit monitoring service, nor do they validate or verify any information concerning bankruptcy. 


TransUnion, XXXX, and XXXX falsely stated this information on my consumer file and have not deleted this information from my consumer report.
Product: Mortgage

My home was foreclosed on XX/XX/XXXX. It was sold via a short sale XX/XX/XXXX. Green TreeServicing LLC held a second mortgage on the house. This mortgage was not paidthrough the short sale. The are still reporting that I am not paying them monthly on aproperty that is no longer mine. It is negatively impacting my credit score. Rather than treating it as a foreclosure, they are treating it as if I still own the home and am not paying my second mortgage every month.