23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Debt collection

Hi, I'm not liable for this debit with XXXX XXXX  XXXX  XXXX. I do not have a contract with Fair Collections & outsourcing. they did not provide me with the original contract as I requested. 
This balance is incorrect based on the attached early termination contract between myself and XXXXXXXX XXXX XXXX XXXX. According to Florida Statute 83.595, I am required to give the landlord two months ' notice before the eviction date. I provided this notice on XX/XX/year>, stating that I would vacate on XX/XX/year>. I paid the full rent and utilities for XXXX, XXXX, XXXX, and XX/XX/year>, meaning I paid for four months after submitting my notice to vacate. However, according to the law, I should only be obligated to pay for a maximum of two months. I paid for four months because they were unable to rent my condo. 

Apartment XXXX listed on their website for rent, and they failed to rent it out, they rented on XXXX which is not my responsibility. 
To reiterate, I gave them the required two months ' notice to vacate as per the law, and I paid four months of rent after that date. Therefore, by law, they should not be asking me for this additional amount. 

Attached is a copy of the early termination agreement, and the notice to vacate was received by XXXX XXXX XXXX on XX/XX/year>. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX LLC Account # XXXX, has violated my rights. 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. They Did NOT REMOVE this account instead they closed this account on my credit report as i asked that it be REMOVED.
Product: Debt collection

Over the last 21 months, I have on time payments to Global Clients Solutions. I entered a contract in XX/XX/2017 I signed a debt consolidation agreement to resolve credit card debt. My case was given to XXXX XXXX XXXX XXXX. I have paid over $ 8k and XXXX debt has been negotiated. Theyve removed approx {$4500.00} in fees unusable for my debt negotiation. Nowhere in a payment schedule was this disclosed to me. Leaving less than $ 4k, Im being sued by creditors with the threat of additional payroll deductions
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XX/XX/XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.
Product: Debt collection

This company XXXX says I owe {$150.00} that I paid off months ago before it went into collections. The company agrees I paid off my debt but they haven't rectified my account going into collections. I do not owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this fraud report ... .There is an address on my credit report that I have been trying to have removed iv never lived at this address there is a agency reporting to this address this address doesn't exist This. Address is XXXX XXXX XXXX Nissan financial is the ones reporting to this address I don't associate with either past or present
Product: Credit card or prepaid card

I have a Barclays XXXX XXXX XXXX Business MasterCard that earns XXXX XXXX miles based on spending on the card. I earned approximately 70,000 miles with this card, including a signup bonus. 
XXXX XXXX recently terminated my XXXX account, unilaterally and without warning, and confiscated the miles in the my account. They have not provided any details about why and have not given any way to appeal this decision. 
Barclays ' corporate partner, XXXX, has essentially stripped away the benefits earned via a Barclays credit card product. The approximate value of the miles earned via Barclays and then confiscated by XXXX  is ~ {$2500.00}. 
I kindly request that Barclays reimburse this amount or work with XXXX  to reinstate my account and the miles that were fraudulently confiscated.
Product: Debt collection

Reached out via mail XX/XX/XXXX call the company XX/XX/XXXX for update. Was told to fill out identity theft form from there website and submit my police report. Sent all documents via email, and postal service. Got email that the account was verified as mines the very next day. Ask to show me proof that it was me that open the account. Haven't heard back from them regarding proof
Product: Mortgage

On XX/XX/XXXX I received a letter from m & t. Bank which is the holder of my mortgage stating that I am behind a payment from  XXXX  of  XXXX . Apparently the mortgage company infinite mortgage services requested a payment back in  XXXX  of  XXXX  from my bank stating it was owed from over a year ago. Back in  XXXX   XXXX  of  XXXX  " it is even noted on my account '' I had called the mortgage company and also my bank to pay my first payment. They told me I did n't owe anything until  XXXX  of  XXXX . So I started making my payments  XXXX  of  XXXX . Now m & t is starting the foreclosure process with threatening letters phone calls and visits to my home on an error that was in no way my fault. I had contacted the bank for the past 3 months trying to fix this error and requesting letters to help my fix the issue. I had never heard back from them except the threatening letters when they were supposed to investigate the issue. Also they are reporting the missed payment every month to my credit bureau and ruining my chances of ever having a good  credit score . I have had issues with this bank from the start and I feel that in the errors I should not have to make this additional payment because I have kept my payments on time every month since obtaining this house. I should not be held responsible for the banks error of over 1 year ago. This company is ruining my life and my credit and I need answers or some kind of assistance. I have  XXXX  children and live paycheck to paycheck there is no way no will be able to afford to pa y 2  mortgage payments back to back because of there error also there is no possible way I can afford there insane repayment plan of an extra  XXXX  $ on top of my mortgage every month. This bank is a joke and horrible at what they do please help my situation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST 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 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous 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 with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and OAG CHILD SU XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to bring into your notice that on XXXX XXXX I disputed with Equifax credit bureau the inaccurate information included in my credit report, but over 41 days now and still, there were no changes or any improvements in my file. I would like to stress out that unproven accounts must not continue to appear in the report as per the law. Also, Section 611 ( a ), definitely stated that a failure to investigate the negative items within 30 days gives a reason to immediately remove the item from my credit report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX Balance Owed : {$XXXX} XXXX/XXXX  XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX/XXXX  XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a telephone call from a collection agency claiming I owed {$5800.00} on a " Care Credit Card. '' I explained I had no such card and questioned what it was and where the charges came from. I was told it was for XXXX XXXX earlier this year at a location in XXXX Florida. I have not been in the state of Florida since XXXX. The collection agency said I should speak to the card issuer, XXXX XXXX. I contacted their fraud department who told me to file a police report and get back to them. I filed a report with my local police department ( XXXX XXXX, NJ ) and sent the report to the Bank 's fraud dept. On XX/XX/XXXX I received a letter from the bank 's fraud dept saying they completed their investigation and instructed the three reporting agencies to remove the fraudulent card from my file and that the process could take up to 6 weeks. In early XXXX I applied for a JC Penney credit card and was denied credit - on inquiring as to the reason, I was told that JC Penney uses XXXX XXXX  and that XXXX XXXX claimed I had a prior unsatisfactory account. I have never at any time had an account at XXXX XXXX. The Synchrony Account # that should have been removed is : : XXXX. When calling Synchrony about this at XXXX they told me their computers did not work and that I would have to call back some other time.
Product: Mortgage

Dear Consumer Financial Protection, I am writing and lodging this formal complaint over what I believe is my mortgage company, Nationstar Mortgage Company ( " Nationstar '' ) deplorable and likely illegal conduct in refusing my monthly mortgage payment ( as will be detailed below ) to create a situation that allows them to foreclose upon my house even though I can make my payments. 
By way of background, I had been speaking with Nationstar on regular basis in regards to my account. In XXXX XXXX I was instructed by Nationstar to make a payment through XXXX XXXX XXXX XXXX for XXXX, XXXX. I made the payment on XXXX XXXX, XXXX which covered the month of XXXX. I called Nationstar and informed them that the payment was made ( keep in mind I was only a month behind in my payments ). At that time Nationstar instructed me to make XXXX payments in XXXX which would have brought me current. XXXX XXXX, XXXX I went to the XXXX XXXX to make a payment I only had the money for XXXX 's payment, Nationastar would not accept the funds, and then they ( Nationstar ) returned the payment I had made in XXXX. 
So now not only am I calling everyone including XXXX to get answers and explaining if Nationstar just have accepted the payment I would not be in this predicament today owing over eight thousand dollars. Nationstar has made this situation worse than it was. Also, Nationstar has stated that I owe for the month of XXXX I have sent them several copies of my payment, and they refuse to note that to my account. Today I am facing all types of mortgageproblems. Nationstar is refusing to assist me stating that they have given me XXXX modifications. The only modification I can say I agreed with was in XXXX after a terrible divorce. I was unemployed in XXXX XXXX until XXXX XXXX. XXXX XXXX I went to the hospital XXXX which caused to some hardship in mortgage payments. But, never did Nationstar assist me with XXXX modifications. 
It is clear that Nationstar is aware that I have a good deal of equity in my house ; that is why I believe ( as does my attorney ) that Nationstar is being so aggressive in creating this situation and why, over a relatively small sum ( now about XXXX mortgage payments ) they are refusing to work with me. As an aside, even though my finances are tight, Nationstar 's conduct has resulted in my having to retain a law firm who has experience in obtaining loan modifications in Maryland. He too shares my view of Nationstar- please compel them to explain their actions and also to allow me to have my attorney submit my full loan modification package, which is all together and ready to go but Nationstar refuses to review.
Product: Credit card or prepaid card

I received a barclay statement on XX/XX/21. There was a charge for {$12.00} on XX/XX/21. I called barclay that same day on XXXX ( the number on the statement ). I was transferred to a relationship specialist and was asked for my password. I told them I didn't know. They said there was nothing they could do despite me telling them someone was using my card. I asked to speak with the manager. I was transferred to the manager who said she couldn't access my account because I didn't know my password. She said she would transfer me to security. I was on hold for roughly 50 minutes. I found another number on the back of my card XXXX. I called and spoke to a relationship specialist. I gave them an old password to see if that was a possibility as I do not remember my verbal password. They said it was not. I explained the situation of how I don't know the password and someone was using my card. I was put on hold for roughly 20 minutes and then the phone hung up on me. I called the XXXX number again. I again explained the situation and she said she would stay on the phone with me while I was waiting for the security department. I waited roughly 70 minutes and hung up because no one was answering the phone. I called the XXXX again and tried two other passwords ( one of which is my online password. I do have access to my online account ).. Neither password was correct. They said they were going to transfer me to security. I told them I want to place a complaint. She said she would stay on the phone with me until I was connected to the complaint department. Instead, she transferred me back to the main menu for their automated telephone system.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my XXXX XXXX These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my XXXX XXXX, leading to a significant drop in my XXXX score. 

Upon reviewing my XXXX XXXX, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/2024 RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY.

THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR.

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX  : XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE.

I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

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

I submitted this complaint to update this suspicious information. Experian and XXXX  Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Student loan

Sallie Mae, pulled my co-signer 's credit report without authorization. They did this to pressure my co-signer into a payment
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 - I sent out a letter to XXXX, TRANSUNION AND XXXX regarding a few inaccuarate inquiries Ive came across on my credit reports that weren't authorized by me. ( Documents attached ) On XX/XX/XXXX - A month went by and after hearing nothing back from neither of them, I followed up by sending an additional 30 Day Follow Up letter to each bureau. 

On XX/XX/XXXX- I received a letter from XXXX stating that they needed a copy of my drivers license and social ( which I in fact did send along with the letter ) and stated that process could take an additional 30 days. 

On XX/XX/XXXX - I also received a letter from TRANSUNION which was in fact nothing but a copy of my credit report with attached instructions to dispute online. 

I still have yet to hear back from XXXX regarding the inacurate inquiries since XX/XX/XXXX.