23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages th  at I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored m  y request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any o
f the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of a  n updated and corrected credit report showing that these items have been deleted.        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

The 605B Dispute Letter is a formal communication used to dispute inaccuracies on your credit report, specifically Section 605B of the Fair Credit Reporting Act ( FCRA ). This section allows individuals who have fraudulent information removed from their credit report. 



[ Your Name ] XXXX XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, State, ZIP Code ] XXXXXXXX XXXX XXXXXXXX [ Date ] XX/XX/year> [ Credit Reporting Agency Name ] Experian Subject : XXXX Dispute of Fraudulent Information To Whom It May Concern, I am writing to dispute inaccurate information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). and the information listed below is a result of fraudulent activity and should be removed from my credit report immediately. 

The disputed information includes the following account ( s ) : 1. Creditors Name : XXXX XXXX XXXX  2. Account Number : XXXX according to FCRA section 605B is illegal to report information on the consumer report without permission from the consumer. Can you please remove this negative information thank you. 

Please investigate this matter and remove the fraudulent information from my credit report. I would appreciate a written confirmation of your receipt of this dispute and the actions taken to resolve it. 

Under Section 605B of the FCRA, you are required to block the reporting of the disputed information upon receiving my dispute and supporting documentation. If you have any questions or require further information, please contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] XXXX XXXX XXXX [ Your Signature ] XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX ACCOUNT is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX/XXXX XXXX XXXX
Product: Credit card

I have a complaint regarding Chase bank not following the Card Act. 

https : //www.consumerfinance.govXXXX  My latest statement had a balance of {$12000.00} with a minimum payment of {$290.00} I had a balance transfer with a 0 % promotional rate and deferred interest that is set to expire on XX/XX/XXXX  with {$3100.00} remaining. 

According to section 1026.53 ( b ) within the last 2 billing cycles the payment : The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; I made a payment of {$3500.00} on XX/XX/. Subtracting the minimum payment of {$290.00} that would leave {$3200.00} to be applied to remaining balances. 

This amount should have covered the entire balance of {$3100.00} that was subject to deferred interest before the rest of the payment would be applied to my main balance. 

I contacted Chase and they told me they applied the excess payment to the highest interest rate ( purchases ) instead of following the card act and applying it to my deferred interest offer balance that had less than a month left. 

This leaves me with a balance subject to deferred interest within the last 2 billing cycles even though I paid more than the required amount and Chase should be following the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer 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  This accounts are fraudulent and should be removed immediately from my consumer report.

This is a violation of my rights under 15.USC 1681 .
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found some inaccuracies that are hurting my account. I was never late on any account listed and therefore need your help. If I understand correctly you will investigate these items for me to ensure accuracy.
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX with XXXX XXXX XXXX XXXX XXXX XXXX 
I received a response from you dated XX/XX/year> where you stated that the item had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 
I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 

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

I am writing to request your assistance in removing erroneous late payments from my credit report. The late payments in question were reported by two companies : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 

I have been a responsible borrower and due to a mistake on the part of these two companies, my credit report now shows late payments that are not accurate. By law both companies have been issued a request for compliance to an OPT OUT of sharing personal nonpublic financial information to 3rd parties. 

I am requesting that you intervene on my behalf and assist me in having these late payments removed from my credit report. I have attached copies of my credit report and any supporting documents that may be helpful.
Product: Debt collection

I received a letter dated XX/XX/XXXX regarding a debt owed to the XXXX. I usually wait until the amount reaches a certain point before paying, so I'M DISGUSTED THAT THE VA WOULD SEND SOMEONE TO COLLECTION AND CHARGE 30 % OVER THE AMOUNT OWED from a debt that is only 2 months old. This is the type of XXXX that led to the XXXX, XXXX  riots. I would have liked to to pay the debt owed by credit card or on-line, but those are not options according to XXXX XXXX contracted collection agency : TSI. I am going on line now to pay the current {$9.00} I owe the XXXX  before that goes to collection as well. I an unhappy with the exorbitant late fees being charged by a Government Department 's collection agency thats due to health related billing But I guess that is par for the course from the US Government these days given their response to XXXX, XXXX, and the aftermath of Hurricane Hillary. I have never been so disgusted by my government which has morphed into a XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2023, I submitted a loan request and it was received and processed by Ascendloans.com. It was approved and funding would be complete by XX/XX/2023. I noticed in my final loan docs, I could not make any changes, only submit? 
Once submitted, I went through to print my docs and discovered Ascend had my routing number incorrect? I immediately contacted Customer Support and spoke with a Rep, who stated not to worry, once the Loan rejected for incorrect routing, they could resubmit again. Only XX/XX/2023, I noticed my online Ascend account, my loan was funded? I first contacted my old banking institution and confirmed the loan did attempt, but was rejected back to Ascend. I contacted Ascend and spoke with another Rep " XXXX '' who stated he could walk through resubmitting my information. A few minutes later, " XXXX '' stated the loan rejected? He said I would receive documentation shortly. The rest of submitted documents explain the process and timeline that reflects Ascend LIED about the rejection letters and a then, once I submitted a complaint to the XXXX, they sent a Adverse Action stating they only rejected my loan, stating my " Bank was not compatible ''? I want me FUNDS as I was approved for immediately!
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE XXXX 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX LOANMART/CCB WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open onXX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX  of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

XXXX XXXX
Product: Credit card

I received a credit card and separately a statement ( both arrived on XX/XX/2024) from Wells Fargo XXXX XXXX. I did not request the credit card, nor did I make a purchase for {$15000.00}, as shown on the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I called Equifax because I went on the XXXX website to check the status of a dispute that I did over the phone back in XX/XX/2021. I noticed that the disputes were completed XX/XX/2021. I called to see if they could release the disputes on their website like they have done in the past. Instead, the lady read me the disputes over the phone, and they claimed that the creditor verified the accounts as belonging to me. Somehow, they logged the dispute as all the accounts wasn't mine, when in fact I asked them to either correct the accounts or delete the accounts because the accounts were listed as being open but the payment history being listed as a charge off. A account can't be open but still charged off. All the accounts have incomplete information. They don't have the status of the accounts, the balance of the account, the highest balance, late payments, the terms or original creditor, and the responsibility. These actual accounts are incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$810.00} from XXXX XXXX XXXX  that does not belong to me. The account number as shown is XXXX.
Product: Debt collection

FINAL NOTICE This Letter Serves as my formal demand for the immediate DELETION of Inaccurate and Unverified information REPORTED on my credit consumer reports. Despite the REPEATED DISPUTES, you have Fail to Perform a Proper Validation Of this account as REQUIRED by the FCRA your continued Failure constitutes Willful Non Compliance, FRAUDULENT Misrepresentation and a violation of my rights under Federal law. 
Reporting Inaccurate Information 623 ( a ) ( l ) Failure to Delete Inaccuracies 611 ( a ) ( 5 ) Willful Non Compliance 616 Fraudulent Misrepresentation 623 ( a ) ( l ) ( B ) Failure to Provide VERIFICATION 609 ( a ) ( l ) See Attached document Of Non Compliance to do business In the State of Georgia
Product: Student loan

I recently tried to change my loan payment frequency from quarterly to monthly, in hopes of paying it off a bit faster. The servicer charges fees for almost all types of payments, except " reoccuring payments '' drawn directly from you account or checks. When I attempted to set up a reoccuring payment in order to avoid these fees, it says " your fixed monthly payment amount '' when my loan is in fact on a quarterly schedule. I do not have the money to pay the quarterly amount every month but would like to pay a bit more each month to help reduce the debt. The servicer will not change the payment frequency from quarterly to monthly and says its a policy of the university. I asked to see the policy and their response was " believe me ''. I asked them why the wording on the account says monthly if they will not change my loan to monthly and their response was " the wording is wrong but we can't change that ''. This is making me feel as though they would like to make more money off of the fees that they charge instead of allowing me to make a reoccuring monthly payment. I would like any help with this that the Department of Ed can provide.
Product: Credit card or prepaid card

I applied for the capital one XXXXXXXX XXXX  on XX/XX/XXXX. And they requested additional information showing income. I sent them my tax return form XXXX showing household income. But now they want me to show proof of my access to my XXXX  income. I've called them multiple times and they say the tax return isn't proof of ownership. I need to get a letter signed from my husband showing that I have access to the funds. It is the stupidest thing ever because we are married, have XXXX bank accounts, we file taxes XXXX live at the same address. Why do I have to prove when the law states that I don't? According to the XXXX amendment I can claim my XXXX income as mine. Why do I have to prove this with paperwork? This is the dumbest thing I have ever come across. When the XXXX  and the government count it as my income why does capital one have an issue? And need more proof? I find it extremely offensive
Product: Debt collection

Original Creditor ( XXXX XXXX ) charging me for storage fees. I instructed tow driver to bring my car to the junk yard. He told me that a bill will be sent to my address. Six days later, i called in to ask if i can still get some of my things. To my surprise they informed me that i need to turn-in my title and i am charged for storage while title is not turned-in. I tried to explain no one have informed me, but they did not allow me and told they will place it to collection. I'am not aware about turning-in my title to them. If i knew it i should just turn it in on the very same night. They did not even called me or inform me, i just discovered it by accident since i need to get some of my things. It seems like if i have not called in, they will just keep on charging me storage. I 'm disputing the storage charges. I should not be charged. Proper information and explanation should have been initiated before any services have rendered.