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

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Checking or savings account

I downloaded an application called XXXX XXXX on my phone. My mom sent me a total of {$100.00} and she sent it through the application XXXX XXXX which I had just set up an account and linked my debit card to the XXXX XXXX account it said that I received {$100.00} I went to go cash out so I could put it on my debit card and it said that they were reviewing my account and that it could typically take up to 1 to 3 business days. It has been more than 3 business days now and it says they are still reviewing my account. Now they didn't state that they were reviewing my account until I tried to get my money out. I have since then XXXX XXXX XXXX and I am not the only one that this is happened to. I believe that they are a scam. They are scamming a lot of people out of money. I just want my hundred dollars my car broke down and I was depending on that hundred dollars to add to the money I already had so I can buy a new car. I just want my money that's it. XXXXXXXX XXXX has a horrible way of responding. You can tell that they are automated messages and that you're not speaking personally with anybody. Please help me shut down XXXX XXXX. I do have a lawyer I would like to go about this without involving him being that it is just {$100.00}. But if I have to I will. Thank you guys so much for your help and I hope that this gets me somewhere. Thanks so much XXXX XXXX
Product: Consumer Loan

I received a call from a XXXX stating she needed to verify my address to serve me with legal paper work. I called XXXX and spoke to a XXXX. She stated that the original company hired them to file legal charges of theft and intent to defraud and request my credit card information or banking information over the phone. I explained I was to comfortable giving that information over the phone. She then sais I had no choice that was the only way to keep them form filling charges.
Product: Debt collection

XXXX D Scott Carruthers called my cell phone from number XXXX twice within 1 minute, and then proceeded to call my work place twice and leave a voice message, and then called again. This constitutes gross misconduct and unprofessionlism on their part. I would like to submit a formal complaint so that maybe enough of these will shut their business down and no more people have to be abused by their annoying calls and tactics. I do not have any debts in collection, i pay my bills on time, i pay my taxes, I have a credit score of XXXX, please leave me alone and never call my business again.
Product: Debt collection

Debt collector calls me XXXX after another XXXX another and call my work phone to continuously. I ca n't take personal calls at work so I pick up and hang up right away. I 'm afraid of this continues im going to get fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus still have my incorrect legal name on file. This has caused major problems having my identity verified. I had a name change four years ago in XXXX. My name has been changed on all of my accounts for years now, but still not updated with the bureaus. I have furnished Experian Credit Bureau with my legal name change documents multiple times now. The most recent dispute that I have submitted was on XX/XX/XXXX. I was again told that I had won the dispute and that my personal information would be updated, but it is still not being updated. When I reached out again to ask when this update would occur, I was told that I would need to file another dispute and send in my court order. This is the process every time. I submit the dispute and furnish my legal name change documents. I win the dispute, they do not update my information, and then I am told to simply submit another dispute. Rinse and repeat. Please just update my personal information so I can have my identity verified. I have paid large deposits due to no access to my report under my new name. They will not update my information even after winning this dispute with them over and over. How is the social security department not the ultimate authority on my identity?
Product: Credit reporting or other personal consumer reports

Dear Equifax Your company verified the below account right. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me now. Im waiting for your response, please re-investigate this item. 

XXXXXXXX XXXX XXXX  : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXXXXXX XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXXXXXX XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXX XXXXXXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXX XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I see this account is still not remove. Please delete. 

Please send me details on how this account was verified. 

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

Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), XXXX, Equifax and XXXX must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Edfinancial has been transferring loans to a new payment system for over 6 months. As a result of the transfer, I have been denied access to my account since the middle of XX/XX/2023. I have tried to make payments to reduce the principal balance of my loans before interest began to accrue again on XXXX XXXX, but have been denied access. I have called and emailed Edfinancial and was told I did not have access as a result of delays they encountered in transferring all of the loans and they told me there would be no waiver of interest accrued on or after XXXX XXXX even though I was not able to make principal payments. Interest is now accruing and my first payment will be do soon and I still have no access to my account. Edfinancial has told me they do not plan to do anything to rectify the situation.
Product: Debt collection

This company has continued to violate my consumer rights by reporting inaccurate information to the credit bureau about and account that is not even mine nor have signed and documents with this company but they continue to harass me. Down below I have documents an proof for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian about an XXXX XXXX bankruptcy on my Experian credit file. Experian did not fully investigate. I contacted XXXX XXXX who verified the bankruptcy and I was informed Experian never contacted them for bankruptcy verification. This bankruptcy was inaccurate and dismissed per the judge along with several accounts. Experian did not do their job.
Product: Student loan

I consolidated my loan in summer of XXXX as I was told I needed to do this to get the best repayment plan. I then contacted Mohela in XXXX to apply for SAVE program. I was told that my loans should not have been consolidated and they no longer qualify for SAVE program. I requested Mohela to return my loans to their original status ( they gave me incorrect info in the summer ). As of XX/XX/XXXX, Mohela reverted my my loans to their original status but they did not remove the consolidated loans. My loan balance has increased {$100000.00}. This increase in my balance has been since XXXX. When I call Mohela, customer service tells me that this issue is too complex and they need to send it to the supervisor. I then get a message that the supervisor will call me back. As of XX/XX/XXXX, I have not been able to correct my account.
Product: Credit card

I first discovered the charge in XXXX XXXX, and immediately contacted PayPal Credit regarding the charge of {$140.00}. I reported and requested a dispute filed against this charge. PayPal credit claimed they filed the dispute.10 days later I have not received any phone calls or written communication regarding my case and notice the charges were still on my credit card. I called PayPal credit/ or its bank and asked for assistance at least 7 times. I was placed on hold for more than 10 minutes, I was transferred back and forth and two supervisors hung up or rather I kept getting disconnected. Finally I reach someone who promised to handle the issue. They closed my card issued a new one.and took off the fraudulent charges. By next XX/XX/XXXX they put the charge back on my card without explanation. The way I have been treated by this company customer service agents and managers was disappointing, rude and lots of fabrication. The second time I called back one agent claimed I never filed a dispute. I writing you because PayPal Credit refuse to investigate and handle my claim properly. And I am still being billed the charges and interest on a purchase I did not make.
Product: Debt collection

I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Credit reporting, credit repair services, or other personal consumer reports

Target RedCard promised to delete my account once I paid it off. They broke this promise and the information on my credit report is still there. I have tried calling this department, but the agents are rude, laugh at me, and hang up on me. Very terrible customer service and a terrible representation of Target Stores.
Product: Checking or savings account

I have a car loan with Sun Trust and a checking account with BB & T. In making my monthly payment on the car loan they say I mistakenly clicked to pay off the loan. The full payoff, {$24000.00} was collected from my BB & T account, which had a balance of XXXX, overdrawing the account. I called Sun Trust and they tried to explain to the manager at my BB & T bank what to do. She was not interested and hung up the phone. I went home called Sun Trust again and they explained to have BB & T put a stop payment on the pending transaction, it would return to SunTrust, they would correct the account and everything would be normal. 

I called BB & T customer service, spoke to three different people, all who said they could not stop the payment but they would transfer me to someone who would. Each one said they could do nothing. I asked for a supervisor and they hung up on me. 

In the mean time my money is closed off, I have no access to the cash in the account. BB & T said it could take 10 days to resolve. I asked the manager at the bank how do I live without access to my cash. She said use a credit card. 

I can not believe a simple mistake, that Sun Trust understood and was willing to fix on their end, can not be rectified. And to top it all off BB & T will be charging me overdraft fees for the whole ten days. 

What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX & XXXX BANK XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late XXXX XXXX
Product: Money transfer, virtual currency, or money service

After depositing {$5000.00} in my account, I have been denied access to login my XXXX  account. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$4300.00} DEPARTMENT OF CHILD XXXX Balance : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to the Equifax customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name.
Product: Prepaid card

On the XXXX of XXXX, I purchased a prepaid Vanilla Gift Visa Giftcard. The website, XXXX, routinely gave a system error. This " system error, '' which says, " System Error has occurred. Please try again later. '' was not a fault of the website, who's servers where still up. I did research to resolve the issue, before going to the support number for help on the XXXX of XXXX. They suggested solutions, which did not help my issue, and ones I had already tried. 

The online solutions and those offered by XXXX were to clear my cache, use different browsers, restart my devices, restart my internet, use different devices, and sign in and out of VanillaGift.com. I had followed all of these steps and the XXXX suggestion to clear my cache.
Product: Debt collection

I called XXXX XXXX apartments and asked for a updated resident ledger. This call was made on XX/XX/year> @ XXXX XXXX. XXXX XXXX is the community manager that I spoke with she sent the a copy of the ledger to my email. I looked over everything and I have a XXXX balance on each page. It's not reflecting what's on my credit report. Account number XXXX with National credit systems with a balance of {$13000.00}. I do not own them anything. I also called National credit systems the same day and they don't even have my collections account another company name XXXX XXXX XXXX law has it. I talked a man name XXXX that was very rude. I asked if he could prove that I owe, he said you just need to pay your debt. I am asking that this be remove from credit using 15 US code 1692g ,15 US code 16815-2, 15 US code 1681i, 15 US code 1681iaa. Thank in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX  Bankruptcy filings that populated on to my XXXX Credit Report with XXXX on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different SSN than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, XXXX completed their investigation and marked the bankruptcies to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the SSN used for the bankruptcies is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new bankruptcy on my credit report filed XX/XX/2021. XXXXXXXX XXXX  reporting of this bankruptcy and the prior two are costing me a lot!
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX XXXX )
Product: Debt collection

key2recovery.com keeps calling me asking for my brother after I have told them numerous times I am not him and have told them numerous times to stop calling or I would report them for harassment. it's ridiculous they are calling my brother isn't even out of college yet and doesn't have to start paying on his XXXX  loans until XXXX and they are already trying to call him harassing me in doing so.
Product: Debt collection

On XXXX XXXX, I discovered an account from Account Services Collections on my credit reports. I contacted them and they agreed to remove this from my reports if I paid the account in full. I paid the account. They sent a receipt and a letter stating that they had requested it be removed from my XXXX, XXXX and XXXX reports. It has not been removed from either XXXX or XXXX as of XXXX XXXX, I disputed the account with XXXX and Account Services Collection verified the account and updated the account to " Paid ''. This was not what was agreed upon. 

They have used false and misleading statements in order to get me to pay this account in violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/year> XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Consumer Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Furthermore, I am requesting to investigate all negative items on my consumer report to ensure their accuracy and compliance with federal standards. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on consumer reports. I am deeply concerned that my dispute may be mishandled in a similar manner.