23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/2019, this supposed debt existed with a debt collector, named XXXX XXXX. I exercised my right, and questioned the validity of the debt. The creditor promptly deleted all files from all of my credit reports. On XX/XX/2019, I received the attached notice from Enhanced Recovery. The letter was dated on XX/XX/2019. I mailed Enhanced Recovery, the same day after receipt, via certified mail, questioning the validity of the debt. I explained to them that this " debt '' was sold to them by XXXX XXXX in my letter, that I have attached, because the debt could not be validated. According to the USPS, my letter questioning the validity of the debt was received by a representative from Enhanced Recovery on XX/XX/2019. I waited the 30 required days from the date of receipt for validation of the debt, and did not receive anything from Enhanced Recovery. I routinely receive updates on my credit reports, and this morning, XX/XX/2019, I received notification that Enhanced Recovery reported this supposed debt to the credit bureaus. I reviewed my report directly from Experian, and it shows that this " account '' was opened on XX/XX/2019, so Enhanced Recovery not only did not validate the debt with me after I requested them do so. They assumed this debt was " valid '' without providing me, the consumer, proper verification of the " debt ''. This adverse action committed by Enhanced Recovery has severely hurt my ability to obtain credit. I have been searching to obtain a home for my family, and this drop in my credit reports could potentially cost my family thousands of dollars. This action is malicious, and they have violated Fair Credit Reporting Act 611 ( a ) 1 ( A ), Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Fair Credit Reporting Act Section 617. I followed the law, by asking for proof of this debt they are reporting, and not only did they not provide it to me. Enhanced Recovery reported it adversely to the credit bureaus. Enhanced Recovery broke the law, and hurt my family.
Product: Checking or savings account

I returned a jacket to Saks Fifth Avenue and they never processed my refund after receiving the item. I contacted them multiple times for months and never had the credit back to my account. I reached out to my bank, Capital One, to open a dispute for the charge. I provided them with the information for tracking that shows I sent the item back and also for the confirmation from Saks that they received the item. They granted me a temporary credit that they later took back. They provided no information or update as to why. I contacted Capital One and they said I would receive something in the mail, and I've yet to receive it. This led me down a rabbit hole of numerous people showing that they returned things to Saks online center and never received their refunds. This is not just something that has happened to me but proposes a larger issue of fraud being committed at Saks. Capital One has now left me financially responsible to pay for an item that I returned to the store.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called due to issues with accessing the website to submit a dispute and the agent on the call insisted on knowing why I needed to call. I advise I had an issue with Chapter XXXX on my credit and needed to access report to review the information reporting on the actual report with Equifax. The agent proceeded to reassure me that this information would not be removed without offering to do a full investigation. She was unwilling to offer to submit the request. She then moved on to assisting with getting access to the account. We were on the phone for nearly an hour when she finally verified the email that I was using was incorrect. We tried accessing with the correct email and that did not work. She then verified for home address and what she provided was invalid.. She quickly offered to update my address. I am still at this time not able to access the account. When I asked about the dispute process. She repeatedly asked why did I want to dispute the BK. She was short and rude and would not allow me to explain the issue. I told her of how I felt about the treatment I was recieving and she responded " As long as you have credit you will have to deal with us. '' I told her that I was upset she paused. and responded ... IS ther anything else. At that point I needed to disconnect the call before my emotions became escalated. This organization does not care about the consumer and is not willing to help resolve any credit related issues. Just an overall horrible experience.
Product: Checking or savings account

On XX/XX/2018 my checking account was charged a {$15.00} maintenance fee for account that was fully funded. I called TD Bank customer service to rectify the situation but XXXX the agent locked up his computer and refused to assist me. Soon after I sent said bank an email with my concerns and have not receive a response.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account Nuimber : XXXX Account Name : XXXX XXXX  Account Nuimber : XXXX
Product: Debt collection

I had reached out to XXXX over an outstanding debt of {$100.00} that they did not respond to my attempts to clarify if it was actually owed. They gave the debt collector my information yesterday, he called me 4 times today, my husband twice at work, and sent 3 emails one stating how disappointed he was that I did not pay my debt! I said I already settled it with XXXX and sent them a check, and he is repeatedly checking with them and telling me I paid nothing. I had to block his number. I received nothing before today from Caine & Weiner out of XXXX prior to this afternoon when I got so many phone calls and harassment, he then started sending all capital letter emails clearly stating that he was getting angry. This is NO way to treat a debtor, I was a XXXX and did XXXX for 7 years and I would never treat someone this way, let alone over a debt of {$100.00}!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my right has been violated with the following accounts below. 

1. Account : XXXX XXXXXXXX XXXX Account Number : XXXX 2. Account : XXXX XXXX  Account Number : 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance, monthly payment amount, interest I am paying ( adjustable ) verification of payments received and loan balance even after my repeated request. 
With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today, 1 year since the discharge of my Bankruptcy I still have not received a Statement.
Product: Credit card

I received an alert from a credit monitoring service. Advising that I had a 'Hard Inquiry ' and later date a notification for a credit card.

I have not attempted to open a new credit card at all in recent months. I've also noticed a number of 'soft inquires ' None of which are things I've done.
Product: Debt collection

I have fling another complaint against Eltman Law and XXXX. They are cashing my checks for the month of XX/XX/XXXX and XX/XX/XXXX. I tried to call them and a recorded message came on the are not accepting calls. These people are violating the law and commuting fraud. There are too many attorneys and companies involved with inaccurate information. Some company by the name of XXXX claim to be affiliated with XXXX state I owe over {$40000.00} that is incorrect this was settled in XX/XX/XXXX for {$10000.00} and i have paid every month. I plan on filing FDCPA Violations against all that is involved.
Product: Debt collection

Indirect when I am asking what business matter is about then asks to verify personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 


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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX {$2300.00} XX/XX/2024 15 U.S.C , 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the following accounts listed on my credit report, which I believe were affected by the 2017 XXXX data breach. Under Section 605 ( b ) of the Fair Credit Reporting Act, I am requesting that the accounts be removed from my credit report within four days, as they are likely the result of identity theft stemming from the breach. 

The affected accounts are as follows : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX These accounts do not belong to me, and I believe they were opened fraudulently as a result of the XXXX XXXX breach. I have already taken steps to protect my identity and have reported the breach, and I am requesting the removal of these accounts from my credit file within the four-day period as stipulated by the law. 

Please send me confirmation that these accounts have been removed. Additionally, I request a copy of my updated credit report after the changes have been made. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these accounts within the specified timeframe.
Product: Student loan

My problem is that my loan was {$4000.00} and I have been paying {$59.00} monthly since 2006. I asked them how much I still owe and they sent me info that I still owe {$3700.00}. Please direct me what I can do about Navient. My loan was with XXXX XXXX originally. 

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

On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX.
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Student loan

I tried to reapply to the Sofi XXXX reduced repayment program on XX/XX/24. I signed and submitted everything i needed. The cut off for applying was XX/XX/24. My co-signer never got their end of the application until XX/XX/24. Not in their email inbox OR spam, nothing until XX/XX/24, effectively making it impossible to apply. Due to this i have to pay {$300.00} in the cool off period which is 12 months. I am unemployed, that was the reason i applied for this in the first place. I asked to have this looked at and submit a form to have the lenders look it over and look at the facts. They denied it and said it was at their discretion. This was very sneaky, and deceitful for a business to do. I am left with no options of repayment on this loan as i did before i am unemployed. Whats the point of the reduced repayment plan if they will move the goal post last minute?
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, hereby submit this personal statement as part of the inaccurate reinserted account on my Transunion credit report. The account in question is XXXX with Transunion. I originally disputed the accuracy of this account with Transunion and requested that it be removed. After completing my dispute process, I received confirmation from Transunion that the account had been removed from my credit report. However, I later found that this account was reinserted onto my credit report. This reinsertion occurred without the proper 5-day notice, which I understand is required under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). According to the FCRA, if a disputed item is reinserted into a consumers credit file after being removed, the credit bureau must notify the consumer within 5 days of such reinsertion. To date, I have not received any notice from XXXX regarding this reinsertion, and I consider this to be a violation of my rights under the FCRA. This reinsertion has caused undue harm to my credit report and my financial standing, as it was removed in the first place due to its inaccuracy. I request that this matter be investigated and that the account be removed from my Transunion credit report as it was reinserted unlawfully and without proper notification. If this issue is not resolved promptly, I understand I have the right to pursue further legal action and escalate my complaint to other agencies.
Product: Credit card or prepaid card

I currently hold a AAdvantage Aviator Red World Elite Mastercard from BarclayCard US. One of the benefits of this card is a {$25.00} wifi credit that renews every year you hold the card as shown on the website here XXXX XXXX XXXX XXXX and the terms and conditions attached via PDF : See Section on Anniversary {$25.00} Wi-Fi Credit.

As shown in the attached screenshot of my online account, this credit has not been posted against the XXXX XXXX wifi charge posted on XXXX, XXXX, XXXX  ( receipt from AA through XXXX attached ). 

I called today XX/XX/2023, allowing the 4 week period in the terms to pass as well as another approximately two week grace period. The representatives lied to me multiple times and kept transferring me to unrelated departments or telling me to contact AA even though Barclays is the one advertising this benefit. After an hour on the phone and talking to 4 different representatives with no solution, I am submitting this complaint,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint against EQUIFAX for allowing fraudulent inquiries on my credit report. The dispute letter including my Identity Theft Report was mailed out and delivered to them on XXXX XXXX, 2023. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested METHOD OF VALIDATION from XXXX, TransUnion, XXXX for the following accounts and never received the requested information only automated VERIFICATION from an XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX   XXXX Exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which  provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account VALIDATED, VERFICATION AND HISTORY OF THESE ACCOUNTS. 

I requested this information since and XX/XX/2019 and I have certified delivered mail to prove it. Not to mention it has been over 30 days since this request. " NO REAL INVESTIGATION TOOK PLACE ON THESE ACCOUNTS. ''
Product: Mortgage

I have been involved in a foreclosure case for nine years and the loan servicing company has routinely not followed up, has sent me incorrect financial information including loan balances and now refuses to send me loan reinstatement information, current loan balances and a loan payment history. I have been making my mortgage payments on time for the past four years and they have refused me a loan modification now because they say I make too much money. I was initially denied because I did not make enough money