23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.
Product: Credit card or prepaid card

Citibank reverse credit from a defective service, I am still disputing the charge. 
I also file a complaint with Florida Department of Agriculture the department that regulate this type of business and will continue to dispute until credit is reverse. 
I send pictures of the oil leak by certified letter XXXX and return receipt XXXX merchant needs to be charge back until oil leak is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to you in hopes that you can assist me with proper credit reporting laws and the violations that these companies keep doing to me. Ive read where you have sued XXXX for not properly investigating and reasserting thing back onto consumers credit reports. These companies have violated my rights and are now threatening me all the while they are inaccurately reporting information on my consumer credit report. Please help me as I am facing underwriting for a home and this jeopardizes my likelihood to acquire shelter for my foster children.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them XXXX. I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im still waiting on a response... 

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995  ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1.XXXX  XXXX  XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please update to paid as agreed. 

2.XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect informationm, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please remove from my report 4XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. -Please remove from my report XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Letter Regarding Involvement in Equifax Data Breach To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report stemming from the XXXX Equifax data breach and to assert my rights under the Fair Credit Reporting Act ( FCRA ), as codified in 15 U.S.C. 1681.

It has come to my attention that my personal information have been compromised due to the breach, leading to unauthorized activity and inaccuracies on my credit report. Under 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete, inaccurate, or unauthorized. Furthermore, under 15 U.S.C. 1681c-2, I am entitled to take measures to protect my personal and financial information. 

To address this matter, I request the following : 1. A thorough investigation into a XXXX XXXX XXXX XXXX  Credit Card on my credit report. 
2. Immediate removal of the fraudulent XXXX XXXX XXXX XXXX  Credit Card. 
3. Written confirmation that the requested changes have been made. 

For your reference, I have attached a copy of my credit report with the disputed items highlighted, along with copies of my identification and proof of address. 

Please provide a written response detailing the outcome of your investigation within the timeframe prescribed by law. Failure to comply with your obligations under the FCRA may result in further legal action to protect my rights. 

Thank you for your prompt attention to this matter. Please contact me at XXXX XXXX XXXX if you require any additional information. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today is Monday, XX/XX/scrub>, 2024. I am writing to dispute certain information on my credit report. Despite my previous attempts to resolve this issue with the credit reporting agency, they have not addressed my request. I am requesting that you delete this inaccurate information within four days. The hard inquiries reporting on credit report are unauthorized.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  C - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX - XXXX - {$670.00} Inquiry XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX of XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm filing a complaint against Experian credit reporting agency on their bias scoring system. I have an exceptional payment history. I keep my debt ratio under 9 % but they will not raise my score at all but if one of my balances increase just a slight amount my score drops 10-20 points. I'm XXXX american so I feel the system is bias towards me given my exceptional payment history.
Product: Credit card

When i sign up for the delta gold credit card 2 years ago. There was never annual fee it's been like this since now. All of a sudden they charge me XXXX dollar annual fee. They said they have send me letter and email. I never received one and how can they charge that's much annual fee when there was non at the beginning. Furthermore if there is no regulations they can charge any amount without any consequences. It's unjustified charges and unnecessary. We want some answer.

I look forward for your reply.

Thank you
Product: Mortgage

On XX/XX/2022, the borrower was approved for a trial modification with Selene Finance, but the terms were not provided. On XX/XX/2022, the borrower sent back the attached document stating that she wanted to pursue the loan modification. On XX/XX/2022, the borrower spoke to Selene, and they said the client was approved for a 3-month trial modification at {$670.00} a month. On XX/XX/2022, Selene 's attorney stated that his client was stating that they were never approved for a loan modification. No reason was given.
Product: Debt collection

They are trying to collect on a debt in a state they are not licensed in. I live I. Ga and midland credit management does not have a license to collect in ga.
Product: Credit card

I applied for a XXXX gas card from Synchrony bank. XXXX  I received a phone call from XXXX claiming to be Synchrony bank wanting to verify information. I stopped giving information after I gave my address. The caller could not verify from me that he was Synchrony bank. I hung up. I then contacted Synchrony bank from a secure chat, they could not verify the number I gave them was in Synchrony banks directory. I need to know if I need to report this to the police. I never gave out any passwords, SSN or DOB. But did give them my address. 

Please help XXXX XXXX
Product: Credit card

My Capital One bill was due XXXX XXXX, 2015. I noticed it was due XXXX XXXX in the morning and when I logged on to pay I was already charged a {$19.00} late fee.. It had n't even been XXXX hours. They do this to me all the time and I do n't think it is fair.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was not made by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am writing to request an update to the address associated with my credit file. My correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX SENT NOTICE TO COMPANY ENTERING INTO BINDING CONTRACT GRANTING PERMISSION TO USE DATA WHILE COMPENSATING ME AT RATE {$500.00} PER MONTH DUE IN PAYABLE EVERY FIRST OF MONTH 2 % MONTHLY INTEREST RATE OR UNPAID BALANCE PLUS {$50.00} LATE CHARGE PLUS {$100.00} BILLING FEE OR ADVISE CAN NOT AND DO NOT HAVE PERMISSION TO STORE INFORMATION ABOUT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute with TransUnion on XX/XX/2021, to remove inaccurate information on my TransUnion Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

I have verification from the United States Postal Service Certified Mail Receipt that TransUnion received my letter on XX/XX/2021. TransUnion failed to my dispute within 30 days of receipt is a violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. In fact, TransUnion has never responded to my credit dispute. 

I am requesting that the inaccurate information be immediately deleted from TransUnion credit report.
Product: Debt collection

On XX/XX/2019 I called I.Q. Data International in XXXX, Washington to see what kind of payment options I had to pay off a debt. The gentlemen was nice at first told me he had to ask some questions to see what options I had. Not even 10 minutes into the phone call he said to me if you recently got paid how are you already broke, how do I plan on supporting myself for the rest of the month and that I needed to get a payday loan to pay this off. He was rude very unprofessional. I then asked to speak to a manager and he was just as rude. I felt harassed and bullied.  I felt ganged up on. Food for thought to individuals that work with the public. Please don’t assume that you know what’s going on in someone’s life. You do not know there situation and or what they are going through. I told him what I had to work with and all I needed was an answer of yes We can work with you or no we can’t. I didn’t need to be put down. We are only human. I wonder if these boys speak to there own mothers this way? And  I want to know how they would feel if there mother was being harassed like I was.
Product: Debt collection

This complaint is against LVNV FUDING LLC. I have no contract with this 3rd party debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA/ FDCPA if this account isn't removed/ deleted from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with LVNV FUDING LLC delete this from my consumer reports. I am also questioning the account balance lIsted that I owe on my consumer report shows a balance of {$400.00} how did you verify this amount? please provide your method of verification under the FDCPA. ALSO why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence? You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account by the name of LVNV FUDING LLC? Why is the date opened being reported as XX/XX/XXXX? Why don't you have any payment history for the months of XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$400.00} past due ''? I have never opened an account with LVNV FUDING LLC remove and delete this immediately. Why is there a date opened? I have never opened an account with LVNV FUDING LLC and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE REMOVE IMMEDIATELY and send me an update under the FCRA and FCDPA regulations
Product: Mortgage

The specialized loan services didnt responde to my modification requested I did in XXXX until now they havent received any notice from specialized loan services regarding of my modification requested. Also Im received different letter from them to foreclose. Im received this letter from specialized loan services I feel treated me Because I got this notice without any update from my requested them to help me with other modifications. So until now Im still waiting from specialized loan services to responde my request of giving me a different modification terms. Now Im stressed about notice because the specialized loan services havent replied my modification.