23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised 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 that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 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.

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 the following accounts be verified or deleted immediately. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX
Product: Credit card

re : XXXX XXXX XXXX XXXX frequent flier XXXX XXXX On XXXX XXXX, 2023 XXXX cancelled the above flight for XXXX  XXXX e-ticket XXXX XXXX XXXX to XXXX XXXX, It had been charged on Chase card XXXX XXXX XXXX. However, that card had been cancelled, and replaced by Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023, I received a response to refund request re : electric ticket ( open ) ticket XXXX  XXXX tracking XXXX XXXX. It said " all eligible refunds are credited to the original form of payment used... allow XXXX business days for processing.... please contact your credit card company... I have contacted both XXXX & Chase multiple times, and to date, no refund {$1100.00} now after XXXX months requesting {$1100.00} + interest. XXXX xld the flight, and I have not received any refund. XXXX refund dept said ( once again ) that I would hear by last Tuesday, XX/XX/XXXX. No answer. 
It was charged on Chase XXXX. The card was cancelled and we requested XXXX that they put the refund on XXXX. 
Have spoken with XXXX & Chase multiple times & nothing done.
Product: Debt collection

I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
Product: Credit reporting

Equifax is reporting the following incorrect information despite my request to correct it : Name On File : XXXX Social Security # XXXX Date of Birth : XXXX Current Address : XXXX, GA XXXX XXXX Reported : XXXX Previous Address ( es ) : XXXX XXXX Woodstock, GA XXXX Reported : XXXX Formerly Known As : XXXX Last Reported Employment : XXXX ; Previous Employment ( s ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ( Credit grantors may view this statement when evaluating your credit ) ( This section allows the consumer a personal statement regarding their credit file. ) THIS REPORT STATED I HAVE LIVED IN XXXX GA AND AM CURRENTLY EMPLOYED BY XXXX BOTH ARE INCORRECT THE VALIDATION QUESTIONS POSED TO ME ARE TOTALLY INCORRECT AND CAUSED ME TO BE REJECTED DURING ONLINE IDENTITY VALIDATION. 

I request that I be notified as to the source of this incorrect reporting facts as to the following and that they be purged from my records : 1 ) Living at XXXX, GA, - I have never resided here, and 2 ) XXXX ; XXXX ; XXXX CA ; - I have never lived in CA nor been employed by this company 3 ) Residing in an apartment at : Current Address : XXXX, GA XXXX this is a single family home which I own outright ) ; I do not live in XXXX - it does not exist
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been notified their information is incorrect on the following account : XXXX XXXX According to their report there was a payment madeXX/XX/XXXX. I can assure you any activity with this creditor ceased long before that date. I am asking that Equifax require this creditor to provide proof of the activity on the account, and by proof Im not simply referring to their printed records. They must provide a ledger accounting of all payments and dates. Otherwise Equifax should remove this account entirely. Additionally, it can not be both charged off and late as the report shows. Equifax shows it closed onXX/XX/XXXX which is accurate and that is the last activity. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. This account is NOT listed on either XXXX or XXXX. Their records are correct and Equifax should adjust their records accordingly.
Product: Checking or savings account

Continuing issue # XXXX. 
I have been looking at the documents you gave me and I signed, there is nothing mentioning that you can : - Tell me that you will take two days day to check the funds.

- After two days : Fully deposit the money into my account while sending no message that you still process the fund availability.

- After 2.5 days : Retake the money due to amount insufficiency. 

I believe the way you dealt with this made me lose {$2800.00} and I want you to fix your mistake. I am a student and this amount of money is too much for me, so please fix your mistake as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to resolve things with Equifax but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is my last attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent Equifax. All 3 credit bureaus are not on the same page about a late payment that's on my consumer report and now i'm paying higher interest rates on my mortgage.
Product: Credit reporting or other personal consumer reports

I made a purchase in XXXX for about {$50.00} and I paid for the purchase in store. XXXX 's created a credit card account without my consent and they charged on my credit card for {$34.00}. I wasn't aware of such an account. I was NOT contacted by XXXX 's by phone or mail or email. After 2 years, I noticed a sudden drop in my credit score in XXXX with delinquency and noticed a new account on my credit report from XXXX. 

I called XXXX XXXX and enquired. They said I missed a payment of {$34.00}. I was surprised as to what this payment is for and more shocking to know that there was an account on my name without any kind of notification. XXXX never sent me monthly statements via mail or email too. I have asked XXXX to close this account since I wasn't aware of this credit card account. 

Based on my simple XXXX  search, It looks like there are a lot of people affected by XXXX by creating credit card accounts without their knowledge. This is very concerning about XXXX and the CFPB should look into this aggressively to address fraudulent activities like this. I've been very diligent with my credit score for more than past XXXX  years of my stay in XXXX and this XXXX fraudulent activity by XXXX is affecting my credit score. 

I kindly request prompt action and remove this from my credit report.
Product: Debt collection

I vacated military housing in XXXX California and I returned my cable equipment - router/modem, cables and remote control to XXXX XXXX via FedEX to the address provided by customer service. My cable and internet service was discontinued via my cancellation on XX/XX/202 because I was moving. 

The FedEx delivery confirmation states the package containing the equipment was received @ XXXX am XX/XX/2021 and signed for by a person identified as : XXXX. 

A company called XXXX XXXX sent me a notice for " XXXX XXXX '' for {$100.00} in XX/XX/2021. I responded with a certified letter that the debt was in error and the equipment was returned. I included the confirmation of FedEx delivery with the letter. No response or resolution was ever communicated to me via XXXX. Never heard from them again. 

Now as of XX/XX/2021 I have a new company - Collection Bureau of The Hudson Valley, XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX citing reference # XXXX stating the same thing- I owe them {$100.00} for unreturned XXXX equipment. This collection is in error. I contacted them via their email procedure and included the delivery confirmation as an attachment. 

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

I currently making mortgage payments through SN Servicing Corporation. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.
Product: Mortgage

I have been struggling to bring my mortgage current for some years now. I was recently told that I was given extended a Principle Forgiveness but was never informed nor sent paperwork regarding this prior Principle Forgiveness that they claimed to have done on my defaulted loan. Nor was I sent paperwork, after I completed a years worth of on-time payments that was suppose to bring my loan current. I was told that Citimortgage would be sending me these documents. I believe that Citibank is trying to block me from modifying my loan and keeping my home at this time as my property has accrued substantial value over the last 13 years that I 've owned it. It does currently need several repairs that are covered under the home insurance but they are blocking the adjuster from following through and letting me get the repairs done. I have been getting assistance from local and national nonprofits and have tried several different methods to negotiate with them to no avail. I would like an investigation to be opened into how they handled or mishandled my case. They say that they sent me documents that I never recieved so that I 'd like to see a tracking number and signature for those time sensitive documents that they state I never returned to them. This is very disturbing to me and has caused a great deal of hardship and XXXX for me as it is my primary residence for my children and I, I am single parent who went through a long phase of unemployment. I am currently working and have been for over a year.
Product: Mortgage

On XX/XX/XXXX I request to have PMI removed from my mortgage due to the home equity exceeding 20 % of the XXXX ratio. In XXXX PNC responded asking me to provide justification of the increase in my home value and a check for {$100.00} for a XXXX XXXX XXXX. The check was received on XX/XX/XXXX and cashed on XX/XX/XXXX. On XX/XX/XXXX, PNC mailed me a letter stating that the price increased to {$150.00} as of XX/XX/XXXX. I contacted PNC to ask why the price increase applies to me since I submitted my request and my check was cashed before the new price went into effect. I called XXXX more times during XXXX and XX/XX/XXXX and each time was told someone would call me back to explain. I never received a return phone call. Finally on XX/XX/XXXX I called and demanded to speak to someone right then that could explain since no one had ever called me back. I was told that the PMI department does not speak to customers which is why no one called me back. They did not explain why I was told I would receive a call back. The customer service rep I did talk to said that it did not matter when I submitted my request or when it was processed ; at any point if the price changes they can cancel my request and require that I restart the process and pay the higher fee. That is misleading and deceitful to allow a mortgage company to change rates at any time and make them retroactive.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid my XXXX credit card bill via online from my XXXX account that I had sent before with no issues. XXXX ( whose payments are processed through Comenity Bank ) said they never received it. I have been reaching out to both XXXX and Comenity Bank who have repeatedly sent me back and forth to each other. I spoke to someone from XX/XX/XXXX when I received a bill from them saying that a payment was never received for the XX/XX/XXXX payment. I have proof from my personal account showing the payment was sent and received electronically from them. I 've spoken to several representatives between both of them. Some of the names are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and several letters from the customer care team. This is frustrating and I 've been really patient up to now. My credit score has taken a nosedive ( XXXX points and counting ), and my latest statement from XXXX XXXX is now {$330.00} which is all fees plus the {$98.00} they claim they never received.
Product: Credit reporting or other personal consumer reports

Requested thorough investigation and requested original contracts to prove validation of debt. No such investigation was completed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX2020 I XXXX  my home and my Wells Fargo mortgage account was closed. I recently ran my credit report and discovered Wells Fargo reported I had a late mortgage payment in XXXX and XXXX of 2020. Wells Fargo changed the amount of my impounds for my mortgage payment in XXXX of 2020. I have my bank automatically pay Wells Fargo every month as I have had for years and made my scheduled payments in XXXX and XXXX of 2020. I discovered the problem in XXXX with Wells Fargo customer service and rectified the payments. Wells Fargo did not inform me they reported my payments as late for XXXX and XXXX. I contacted Wells Fargo customer service on XX/XX/XXXX20 and was told if my loan was still active they would remove their inaccurate report of late payments, but because my account is now closed they could not. I have never made one late payment to Wells Fargo or to any lender. I do not believe Wells Fargo should not resolve the inaccurate reporting just because my loan is now closed. I respectfully request Wells Fargo notify the credit agencies of the mistake and have it removed from my credit report.
Product: Debt collection

I was helped in the emergenecy room on XX/XX/XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I have insurance and recieved a bill from them after insurance paid their part. The bill was paid in full in XX/XX/XXXX, but I recently found out they sent me another bill in XX/XX/XXXX or XX/XX/XXXX and i no longer lived at that residence and never recieved a bill. I found all of this out on XX/XX/XXXX and contacted the emergency room provider XXXX XXXX and was told my bill was in collections. I asked the person who helped me over the phone if they could let me pay the bill i never received of XXXX cents. So now I have a collection on my name from transworld systems, XXXX XXXX, XXXX, de,XXXX. I have a collection on my credit now and would like to know what process i can take to remove this collection off my credit as ive already paid the debt to the medical office i never received a bill from.
Product: Credit card

I discovered a CitiAdvantage Gold credit account with an {$18000.00} line belonging to my clients this month and attempted twice ( on XXXX XXXX & again today, XXXX/XXXX/16 ) to ask Citibank that the account be frozen or closed for my client 's protection. Both clients, husband and wife, are in their XXXX, and are currently XXXX, with active cases assigned to my agency through the XXXX county California Probate Court. Each time I called my call was disconnected by Citibank. During the first call I was given a fax number and asked to provide copies of the Court Order & Letters setting forth my authority as my clients ' Conservator, which I immediately did. No one responded to my fax ( I have confirmation it was received ), or to either of my calls. Citibank would not disclose any details about the account, they ignored my fax, and all staff I spoke to appeared wholly uninterested in protecting my clients ' credit, safety or security. Everyone I spoke to at Citibank seemed to convey their sense that I was creating the problem by bringing this to their attention. I was n't even trying to close the account, merely to freeze it until I could secure the cards and learn their location. What good are elder abuse protection laws and agencies - either public or private - when financial institutions act like they do n't care about protecting seniors?
Product: Credit card or prepaid card

Bank of America have not revealed my claim and they have not given me the Provisional credits as their policy States Also I filled a hardship In which I have not been credit for neither I've been calling and calling day after day and I still get the same answer and that you for calling card holder services What can I help you with and the operator also States Can I have your XXXX digit card number or your XXXX digit social secrity number, date of birth, and What is the answer to your security question we have on file.arter answering they just keep telling me to call back because my claims are still pending as a result to that now I am fighting an Eviction cause I couldn't pay my rent
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : * XXXX XXXXXXXX -- XXXX ( XXXX ) XXXX, Opened XX/XX/XXXX, Balance {$420.00} * * XXXX XXXX -- XXXX ( XXXX ) XXXX Opened XX/XX/XXXX, Balance {$420.00} * * XXXX XXXX XXXX, Opened XX/XX/XXXX, Balance $ XXXX * XXXX XXXX -- XXXX, Opened XX/XX/XXXX, Balance {$920.00} * * XXXX -- XXXX, Opened XX/XX/XXXX, {$590.00} * These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account went unpaid with XXXX ( XXXX financing Visa card ) and it was sent to a debt collection agency called XXXX. 
I agreed to settle the account with XXXX For {$710.00} with reference number XXXX. I received the agreement from XXXX saying that the account has been settled on XX/XX/2017. However the account still shows unpaid and unsettled on my credit report. Upon calling XXXX I was told that this account has been transferred back to XXXX.
Product: Credit reporting or other personal consumer reports

Lenders have pulled my credit report multiple times and due to which it has resulted in hard inquiries on my report which I never authorized or never have even applied for any of their products. I have the following hard inquires that have taken place due to me being victim of identity theft with following credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of XXXX XXXX and am requested the removal of adverse credit information under the Debt Bondage Repair Act. 
On XXXX XXXX, I mailed and I provided the necessary documentation to Goldman Sachs, but they have failed to comply with my request. 
I've also included the dispute letter and verification from a non-governmental entity certified that I am a victim of XXXX XXXX
Product: Debt collection

World Finance Corporation This company has stated that I last made a payment in XXXX of XXXX which is incorrect the last payment they received was in XX/XX/XXXX. They are reporting fasley to both XXXX and XXXX. I need a debt validation showing a payment was made they are also reporting to all bureaus each month. Which is hurting my credit. I have sent this company several letters and have asked them to stop reporting false information.
Product: Debt collection

On XXXX XXXX 2015 I received a settlement offer letter from Santander USA in regards to my car loan debt. I reached a settlement offer and they emailed me a settlement letter to be paid by XXXX XXXX. I called them on XXXX XXXX, 2015 and paid the full settlement offer with my debit card and it cleared my bank. Then on XXXX XXXX, 2015 I received another email from Santander USA acknowledging that my settlement was paid in full and they would be reporting to the credit bureaus. By XXXX XXXX, 2015 my credit report was hit by Santandar USA showing the my debt was " Closed '' and " Paid ''. On XXXX XXXX, 2015 I received a phone call from a third party debt collector named XXXX XXXX XXXX stating that Santandar USA sold my debt to them and they were trying to collect my old settled out account. XXXX XXXX XXXX did not show I had made any payment. I forwarded on my settlement offer and paid in full letter I received from SantanderUSA to prove that I had in fact paid and settled out that account a month before they even sold it off. I then called Santander USA to clear this up. The rep with SantanderUSA did show on my account it had been paid and closed in full and they do n't know what happened and why it got sold after the fact. They said they would get it taken care of. Then today, XXXX XXXX, 2015 XXXX XXXX XXXX calls me back trying to collect the debt once again. I explain my situation again and they then acknowledge they received my emailed letters showing I made a payment and that they did try to reach out to Santander USA about my account and they still had not heard back from SantanderUSA. I then called SantanderUSA again on XXXX XXXX, 2015 to double check on my account status and to let them know I am still getting calls from their third party company they sold my account to. They advised me again that they were going to get this taken care of and would reach out to the third party collector in regards to my account. They again verified that yes my account was settled and paid in full and this XXXX XXXX collector should not be trying to collect from me. I am filling out this complaint because after going through all the legal and proper steps to reach a settlement, pay off settlement, and my credit report being hit for closed and paid status shows how SantandarUSA has not abided under the Fair Debt Collection Practices Act.