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

After reviewing my credit reports I noticed that it was an account from XXXX reporting negative on my report. I reached out to XXXX on multiple occasions to get more clarification on this billing error, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice or proper disclosure with my option/right to opt out of reporting any PRIVATE NON-PUBLIC information without my written consent in the first place. 
I have attempted to get proper documentary evidence for clarification of the billing error or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the documentary evidence that I owe them anything and this isn't a billing error ; along with proof that proper discloser was provided to me of my right to opt out of my private information being reported to non affiliated third parties. 
I have also notified the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
Product: Student loan

I am in receipt of a computer-generated letter from your company XXXX XXXX, unsigned, unverified, unvalidated statements alleging some kind of debt. 
It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 
Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 
Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between ( ME ) XXXX XXXX and alleged debt. I've ask for this information 3 times and you have not complied. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, it any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, If any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit card

JPMORGAN Chase refuses to conduct themselves according to federal regulation with respect to unauthorized/Fraud charges and have replied these charges to my account. 
On XXXX/XXXX/2016 I went online to pay my Chase C.C bill ( due on XX/XX/XXXX ). Noticed numerous unauthorized charges, could not locate my card. I called Chase reported and disputed these charges totaling around {$7000.00}. Chase removed them and conducted their investigation. XX/XX/XXXX billing cycle passed without news, XX/XX/XXXX billing cycle passed ( two complete billing cycles ) without news. On XXXX XXXX, the charges were placed back on my account. My balance prior to these charges was around {$4500.00}, now it is {$12000.00}. Further, Chase has decided to report that amount to the credit bureaus. I made several calls without resolution or an explanation. Therefore, in XX/XX/XXXX I requested the COMPLETE investigation file and all information Chase investigators used to come to their conclusion, but Chase refused to provide that file. Therefore, I sent Chase another request on XX/XX/2016 for the Complete file. 30 days passed and still no file. I made several more calls and finally received the file on XXXX XXXX, 2016, well pass the time allowed. Additionally, the file provided contains only receipts with numerous different signatures that do NOT match mine, and delivery information from XXXX confirming no signature was obtained. However, Chase and fraud investigator XXXX XXXX, continue to ignore federal policy. As of today XXXX XXXX, all charges continue to be on my account, I have filed disputes with the credit bureaus and Chase has verified the balance of {$12000.00} as accurate. I will be filing a lawsuit on XXXX XXXX.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEMENT Address : XXXX, MI XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX Highway XXXX, XXXX SC Dear MIDLAND CREDIT Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Mortgage

I have been trying for over Four years to get a Loan Modification from my servicer ASC / Wells Fargo, They have obstructed me in every way by losing the documents & changing the managers over & over & has made it impossible for me to get the modification, & recently XXXX issued a New Directive to all Mortgage Servicers for Principal Reduction Modification & I am well qualified & so I contacted my servicer & they are giving me the run around again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reach out to the creditor XXXX on numerous occasions about a late payment that's on my credit report and nothing was done. Finally they tool it to the XXXX and immediately XXXX reached back out to me we came to and agreement to resolve this I held my end of the bargain they told me they solve the issue and the negative report will be removed from my credit report. I gave it some time I check my credit it was still there I reach out to Experian & XXXX they both said XXXX still show late payment. I call XXXX and ask them why is this still there on my credit report they said they changed it on their end so it should have been updated on my credit report, so they said what I should do is file a dispute and this way once the credit bureau reach out to them then they'll have it updated. I just got back my dispute results and they basically now saying they not changing it. I have the emails which I will attach to support my argument and how unfairly I am being treated. I don't know if it's the credit bureau EXPERIAN XXXX XXXX who's refusing to update and remove those late payments from my report or XXXX lied to me but I need this to be fix and removed/ updated immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year, I've been sending update letters to Equifax, XXXX   and XXXX  to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 



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

Im a co-signer on my daughters ( whos a veteran ) XXXX XXXX account. Prior to the co-signing, my credit scores averaged between XXXX and over XXXX. Now, it has dropped to an average of XXXX to XXXX. Its enough of a drop that in researching to apply for a home modification loan, Ive been told that it will affect the results of a new loan. The credit companies are basing this on one sole late payment, caused by the militarys red tape in adjusting my daughters XXXX status, which is why it was necessary for her to have a co-signer. Why should this be allowed, especially since she hasnt had a late payment for almost 3 years. Is it necessary to affect two individuals lives based on one late payment? As a recently retired XXXX ( XX/XX/2019 ) it is crucial that I maintain good credit scores, which if not for the one late payment would be flawless. Furthermore, as a Veteran on XXXX, it causes undue stress and hardship on my daughter, as well as on me. The credit companys overzealous action is unequivocally uncalled for, and therefore, Im asking that it be removed from my report, and hopefully, from my daughters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed as they are fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Debt collection

I paid this debt to a different collection agency in 2019. I told them that but they wanted proof and I couldnt find the paid in full letter. So I contacted the previous company and then turned it in with ASG. They said I would receive no more calls me or my family! Two days later my mother receives a text message from ASG!
Product: Credit reporting, credit repair services, or other personal consumer reports

This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCR

A 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information.

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and XXXX 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3. You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on Transunion 7. Actual Payment Amount is {$0.00} on Transunion and XXXX 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on Transunion, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

First in my credit report appear several companies that have requested my credit report with my social security number and different names and have lowered the average. My correct name as it appears on the license is XXXX XXXX XXXX XXXX. If any company wants to run my credit, they ask me for my social security number and my license, that is, they must place XXXX XXXX XXXX XXXX. I am asking you under FCRA 611 ( 15 U.S.C. 1681I ) They also have a lock on me and I want them to take it off. Any company that wants to request my credit report with my authorization may do so.
Product: Mortgage

I've been trying to get Modification but my servicer has changed 4 times since XXXX. XX/XX/XXXX I made a payment of {$1500.00}. to XXXX than XXXX XXXX changed my account number and said I would be assigned a new Servicer shortly. My account number was changed from # XXXX to XXXX.My lender also sold the loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX than XXXX notified me that my New servicer would now be Select Portfolio Servicing and my new account number is now XXXXEach time I filled out all my paper work and was supposed have a trail modification sent out to me they switched and than tried to state that I did not give all the required documents. I was paying {$3200.00} for 5 months in XX/XX/XXXX to XXXX XXXX who sold my loan to XXXX XXXX than to XXXX along with all these different Servicers how can they say my payments were even correctly transferred with all the different loan numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a settlement amount over two weeks ago and got a confirmation number, yet the amount is still showing as active and going up. When I called this creditor they claimed that they just sent proof of payment and the letter is on its way. I asked why I can't get a confirmation email and the collector states the don't send emails. I have not received a letter and the money came out of my account.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act
Product: Debt collection

I applied for an apartment at the XXXX XXXX XXXX XXXX XXXX. I was denied. I then started receiving debt notices from resident advocate stating that I owed them {$780.00}. I never lived there or anything. I applied and was denied. I also had to file a claim with my bank to receive my application back of XXXX that they said they would refund. Then resident advocate who sent me the notice, that they are attempting to collect a debt added a collection to my credit report as well as stated in the email that I gave them explicit permission to contact me, when I did not. Account number is XXXX. I never lived there or moved in at any point. I was denied. Their email address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.
Product: Prepaid card

Without any explanation other than saying " fraud '', my American Express Serve prepaid card account was closed. I had a positive balance of over {$1000.00} dollars which they have taken away from me. They will no longer discuss my account with me, allow me login access, nor provide any statements. They have provided no evidence of fraud nor a legitimate reason for closing the account.
Product: Debt collection

Southwest Credit Systems is harassing me. They just called me 12 times within 2 minutes. I have tried contacting them back but they do not answer the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Dear Experian, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account. FCRA Section XXXX07 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 
Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 
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. 

" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 
Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the XXXX XXXX that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 
Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 
I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 
I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX