23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IC Systems and XXXX XXXX has continued to harass me for a debt not owed. 
This has been removed from a credit report years ago only to show back up on my report years later. 

A salesman called me one day representing XXXX XXXX XXXX. ( I do not recall now what yearn it was ). 
He told me that he could switch me for my then current service provider ( XXXX ) for a promotional fee of some sort. ( I do not recall ). 
He said that he worked directly with XXXX as well and could return my current equipment and switch the service. ( I found out later from XXXX that XXXX had nothing to do with their services. 
A tech had already come out and installed a dish. The dish was not installed at the location the salesperson and I discussed, and I did not have the promotional services as discussed with the salesperson. 
I immediately called cancelled services and requested equipment pick-up. 
On top of the false advertisements and fraudulent sales tactics used, XXXX attempted to withdrawal funds that I did not authorize from my bank account. ( I was able at the time to reverse the charges ). 
I did at one time speak to someone in accounting at XXXX who claimed to make all adjustments needed and resolve the problem. Only to see it on my credit report like a year later. 
I complained and it removed. Now years later it shows up again. 
I am sick of the issue and both the creditor and XXXX XXXX XXXX contention to continue to harass. 
On top of all that< I have not received a collection letter or a phone call from IC Systems since it was removed from my credit report years ago. 
Absolutely negligent and a disregard for people 's rights.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Flagstar Bank, XXXX, XXXX Michigan is unresponsive [ and incompetent ] to all requests sent by me : by telephone [ ( XXXX ) XXXX ] - failed to reply ; emails [ XXXX ] - failed to reply ; XXXX letters, failed to reply beginning XX/XX/XXXXand continuing thru to today,XX/XX/XXXX when they closed my case inquiry : number XXXX saying it was " resolved ''. It was not and is not. My requests centered on failure to timely pay my escrowed money for my XXXX taxes ; account for where my escrowed money was sent ; selection of XXXX as a servicing agent without my consent or approval and overall failures of Flagstar to provide any service on any level to any of my questions or requests. I believe they have breached their fiduciary duty to me in the handling of my escrow. I believe my escrow is my money and have acted only for their convenience and generally not on my behalf. I believe Flagstar 's actions are negligent, intentional and devoted to defeating consumer complaints. Flagstar 's customer service is misguided, uninformed, lacks competency, provides wrong answers and is designed to provide as little interaction with the consumer as possible. When letters and emails are sent Flagstar 's uniform practice is to ignore the inquiry & content and not reply.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given a {$100.00} American Express gift card by a family friend. I have been trying to use the card online and it is not working. 

I searched online and apparently this is a common thing. I then noticed that the gift card does not have the 4 digit CVV code on the front of the card that American Express cards have. 

I am not able to use the card online because there is no 4 digit CVV code on the card. Not sure if this was a printing error or what. I have attached photos of the front and back of the card. 

I called the XXXX number located on the back of the card on Wednesday, XX/XX/year>, but they were not much help. They did confirm the balance is still on the card. However, they want me to email and provide certain documents such as proof of residency/mailing address which I am not comfortable doing because I have never heard of the company/email I was told to contact. The email I was given is XXXX. From what I can tell the company is XXXX XXXX. Not sure why I am being directed there if this is an American Express card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$8600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An affidavit titled " NOTICE AND DEMAND TO PRODUCE PRIMA FACIE EVIDENCE AND PROOF OF VERIFICATION was sent to TransUnion on XX/XX/2020 via USPS Certified Mail # XXXX demanding TransUnion to certify the accuracy and veracity of reported information under the pains and penalties of perjury. The items in question are being demanded to be verified under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). TransUnion was asked to provide completeness of records and valid proof of verification ( s ). The letter/matter did not get the attention it deserved as  no valid proof or evidence was provided, amounting to false and misleading entries/statements being " verified/validated '' without consequence to the perpetrator of the fraudulent activity. The matter is hindering my ability to obtain credit/financing as well as infringing on my right to Life, Liberty and the pursuit of Happiness. Thus, escalating actions are being taken. [ Evidence Attached ]
Product: Credit reporting or other personal consumer reports

RE : Dispute for Unverified Account Request for Method of Verification To Whom It May Concern : I am writing regarding an account reported on my credit file that I believe is inaccurate and unverified. I recently reviewed my credit reports from all three major credit bureaus, and this account does not appear to have been properly investigated. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of any information you report and conduct a thorough investigation when a consumer disputes the validity of an account. Based on my review of the reports available to me, I believe this account is inaccurate, and your failure to properly verify it is unacceptable. 

I am also aware of the recent lawsuit involving the Consumer Financial Protection Bureau ( CFPB ) and Experian, which highlights failures in proper investigations and handling of consumer disputes. I urge you to ensure that your practices align with the standards required under the FCRA. 

These are the accounts Im disputing BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Never Authorized To resolve this matter, I demand the following : 1. A detailed Method of Verification ( MOV ) that outlines how the information for this account was verified, including : o The name and contact information of the party who provided verification. 
o The exact steps taken to investigate my dispute. 
o Copies of any documentation used during the investigation process. 
2. Immediate action to either perform a thorough reinvestigation or delete the account from my credit file if verification can not be properly substantiated. 

Please note that under 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to be provided with a detailed description of your reinvestigation process and the method by which you verified the account. Your failure to provide this information will leave me no choice but to escalate the matter further. 

If you can not verify this account within the legal timeframe, I demand its immediate deletion from my credit file. Continued reporting of inaccurate information is a violation of federal law and may result in a complaint filed with the CFPB, my states Attorney Generals office, or further legal action. 

I expect a written response with the requested information within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 

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

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With fair Credit Reporting act, XXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1691 Section 604 A Section2 : also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

collections the XXXX XXXX XXXX {$300.00} Date Opened XX/XX/year> Inquiries XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't owe anything to the following accounts : XXXX XXXX and XXXX XXXX XXXX. They should have confirmed these from the Original Creditor since I have made my payment to them. Investigate these accounts thoroughly and make the necessary corrections or just remove the accounts automatically.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  The following accounts are being incorrectly reported by delinquent date. The original delinquent date is more than 1 year prior, making this account ineligible to be reported. I demand it be removed from my account immediately.
Product: Credit reporting or other personal consumer reports

Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.
Product: Debt collection

OK I gave these people everything now I want the name of the person and how he got my information. 
They replied after their investigation I am not responsible for the debt. 

Mr. XXXX, I have received the documents that you sent regarding your identity theft claim. To complete your ID theft claim with XXXX XXXX, please submit the following : Identity Theft Affidavit - A legible copy of a valid U.S. government issued ID ( drivers license, military ID, state ID card, passport ) Proof of Residency - Please provide a utility bill ( phone, electric, water, etc. ) which shows your physical address for the month of XX/XX/2016. Bank statements, credit card statements, monthly car insurance statements, etc. are also acceptable. The documents must have a billing/statement/closing date within the requested timeframe. The documents MUST show a physical address. PO boxes, etc. will not be accepted. 

This information should be faxed, mailed or emailed to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Fax : ( XXXX ) XXXX XXXX Thank you for your prompt attention to this matter. I will research your request as soon as I receive the documentation. 
If you have any questions please feel free to contact me at ( XXXX ) XXXX or by replying to this email. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX PART 2************************************************************************************* Mr. XXXX , I have received the documentation that you sent in regarding your identity theft claim. Based on the information and documents you provided, I have determined that you are not responsible for the XXXX XXXX account in question. XXXX XXXX will get the account removed from collections and from your credit history if applicable. Please allow up to 8 weeks for the account to be removed from your credit history. You will receive a letter by mail in about one week which verifies that I have approved your claim. Please keep the letter for your records. 
Please be aware that the perpetrator of this crime has your personal information including your name, full Social Security Number, and date of birth.

To protect yourself from instances of identity theft, XXXX suggests that you contact the credit bureaus to freeze your credit file. Links to their websites have been included below. In most cases, the credit bureaus will waive their normal fees for freezing your credit when you submit paperwork, including a copy of your police report, with your request. 
XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions please feel free to call or email me. 
Thank you, XXXX XXXX Identity Theft Team XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian multiple times in regards to the following unauthorized inquiries listed below all within a day or XXXX of each other by both phone with the fraud department XX/XX/22 and certified mail on XX/XX/22 my request have been ignored and method of permissible purposed was not given to me, even after I requested this. Experian is in violation of my FCRA rights and its damaging my credit. Thus, I am requesting the following inquiries and dates requested below be removed immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have had the unfortunate experience of dealing with SLS for five years now. Throughout this entire time, they have repeatedly been non-responsive to letters, phone calls, and emails. They have not filed legal documents on time with the courts and have acted in an unfair and discriminatory manner with us on more than one occassion. We have had to incur legal fees in order to get them to even return a phone call, which actually added to our financial hardship that we were trying to resolve with our mortgage in the first place.

Most recently, pursuant to the request of the attorney for SLS in XX/XX/XXXX, we filed a request for loan modification on our mortgage loan. We had previously filed a request for mortgage assistance in XX/XX/XXXX, which was never acknowledged, responded to or addressed by SLS. Rather, they filed a Notice of Foreclosure and we had to hire an attorney to help us navigate through that. We ended up having to file a Chapter XXXX Bankruptcy to protect our home. During the time the banrkuptcy was being finalized, we continued making our payments in the amount of {$2600.00}, and SLS never filed an proof of claim as required by law. At the very end of the bankruptcy, they filed a Notice of Default and we had to negotiate with them for another several weeks before our bankruptcy could be approved by the courts. They insisted on a monthly payment of {$4100.00} because they would not add the arrearages to the balance of our mortgage, despite the fact there is plenty of equity to do so. We have never been able to make that payment and after discussing this with the attorney for SLS and our attorney, we were told to file a new Request for Mortgage Assistance which would be to lower our monthly payment so we could get our mortgage back in a current status. We did this in XX/XX/XXXX. SLS acknowledged receipt of the modification in three separate letters datedXX/XX/XXXX, XX/XX/XXXXand again on XX/XX/XXXX. Each letter stated they were waiting for information which was out of our control and they would respond as soon as that information was received. We heard absolutely nothing from SLS until we received a letter last Wednesday, XX/XX/XXXX from XXXX XXXX XXXX XXXX  out of XXXX, Texas, advising us of a Notice of Default on the mortgage. There has still been no reference to our Request for Mortgage Assistance filed last XX/XX/XXXX to SLS. We responded to the letter yesterday via fax, express mail and regular mail advising of this situation and requesting our Loan Assistance application be approved so we can get back on track with our mortgage. We desperately need help getting this situation resolved as they are threatening foreclosure.
Product: Credit card or prepaid card

I got a duplicate payment for {$540.00} and now Synchrony Bank will not stop the second payment. They said it has to go through and they will put a credit back on XXXX. That is not where the money came from. I want the authorization stop or the money put back in my checking account.
Product: Mortgage

XXXX /wachovia bank / wells fargo bank [ mortgages ] there are wells fargo whistle blowers on all the public chat lines XXXX about mortgage fraud /fraudulent forclosure /preadatory lending /forced home owners insurance stolen propertys / stolen funds from escrow acounts / excessive acount charges / none applied funds / fasified documants / perjury comitted in courts across america, No missed paymants acont in credit all the proof is in the court papers that the corrupt judge XXXX refused to look at. that is fraud, the cfpb and XXXX XXXX XXXX have recieved complaints about wells fargo and you have done nothining since XXXX until XXXX and still fileing complaints to case all of these email will be used in evidance against you as you have been negligent and i hold you responsable for my incureing loss of my family home so we go to court, you have had enough time to bring wells fargo to justice and all this crapp about false acounts is a deliberate act of divershion to make the tax payer that you are doing your job? And that is rubbish and you no it fraudulent, mortgage forclosure is the biggest rippoff since watergate? i wonder if XXXX XXXX knows what has been going on this is govermant planned to the core and i will prove it but iam going to ask the new presidant why i had my home stolen? with over 50 % equity in it good steel? then iam going to float it on XXXX for responce before court proceedings i will win in the end
Product: Credit reporting or other personal consumer reports

I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Arizona XXXX.
Product: Debt collection

I called XXXX XXXX NJ to transfer my account and services from my old house to my new house in late XXXX as I was moving on XX/XX/XXXX. Without my knowledge, XXXX created a new account for my new house without closing the old account and transferring the amount owed onto the new account. Why create a new account and not transfer the balance? That never happens anywhere, ever, but with XXXX apparently. I continued to pay my water bill thinking everything had transferred because I wasn't told otherwise and my other utilities had transferred over as expected. Months later I received a collection notice from Penn Credit Corp for an unpaid water bill from my previous address. XXXX had never sent a bill to my current address regarding the balance of the old address. But XXXX is able to call me to remind me of a payment due for my current account. In the collection notice, it states I had until XX/XX/XXXX to respond before the debt would be reported. I was under the impression I had time to investigate what had happened with XXXX. However, Penn Credit Corp reported the debt a week before stated in the notice. Imagine my shock when I checked my credit score and it had dropped 37 points for a bill I was never made aware of! When I called them, I was told " that is just how it is ''. So misleading consumers and lying is just how it is. OK.

Penn Credit Corp is wrong for placing misleading information in their notice, it is not fair. The " debt '' is paid. However my credit score is ruined because of shady practices of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.