23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently discovered this parked debt account on my XXXX credit profile. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute this alleged debt. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting this alleged debt on my credit profile and i feel like im being extorted into paying something. I believe this accounts to be inaccurate and falsified. this must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying this alleged debt that have not been verified with me that they are my responsibility. Under GLBA you are supposed to have my consent to share my private financial information with 3rd parties and I DO NOT CONSENT TO THIS by your company. I am not aware that i have any contracts with you. This is considered unauthorized use of credit which i received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to 3rd parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i XXXX verify responsibility of this debt. 1. Please provide the SSA-89 form that was used to verify authorization to open an account 2. Please provide all correspondence records for the accounts. 3. Please provide the applications with the original creditor that verifies this accounts as belonging to me. 4. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. 5. Please provide verification of whether or not this accounts were assigned or purchased by your company. 6. Provide the Regulation F Disclosures. 7. Provide the GAAP Accounting for this accounts so that I may verify the creditor/credits/debtor/debt on the account. I need all of the above in order to do my due diligence on this matters. Please do note that i am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for this violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter, I expect response in a reasonable time frame which would be 5 business days.
Product: Credit reporting or other personal consumer reports

Thanks for the response to the first complaint. Caine & Weiner is reporting a collection account to XXXX, XXXX and XXXX. The account number for XXXX being XXXX as having a balance of {$670.00} dollars. Account opened XXXX XXXX. The CFPB is consumer friendly outlet for complains so I will like to keep the conversation back and forward here. 

Please reply with a purchase agreement. Please reply with the original certificate of indebtedness. Please reply with proof of the required notices sent to me before you reported to my credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXI - XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I was trying to get a car and I realized I had damages on my credit report according to the 15 USC 1681 Law there shouldnt be any damages on my reports its an XXXX to my character.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft, and fraudulent accounts have been opened in my name without my consent. Pursuant to 15 USC 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report : XXXXXXXX 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 or other personal consumer reports

SELF FINANCIAL/ LEAD BANK Is reporting inaccurate, unvalidated information on my Consumer report The report reads that there is a original balance of {$720.00} This is incorrect The Account # is XXXX I request the original signed document and evidence of a contract There are no evidence of this loan/credit application and if there is I have no seen them Verified proof is required via 15 U.S.C 1681 and other supporting documents This Fraudulent report is in Violation under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 No notarized copy of the original wet ink signed contract exists or was ever provided I would like to communicate with SELF FINANCIAL /LEAD BANK through the CFPB so that there is evidence that I have disputed these violations in the event they are required to show in a court proceeding, SELF FINANCIAL/LEAD BANK has violated my consumer rights in various ways and damaged my credit report with false and misleading reporting and I have proof and supporting documents of these false allegations and deceptive practices SELF FINANCIAL /LEAD BANK has committed against me. In the event I sue for damage I want my FTC report and CFPB complaint to be on the record and put in as evidence against SELF FINANCIAL/ LEAD BANK so that I can be secure maximum compensation. 
I also want SELF FINANCIAL/LEAD BANK to be advised that Notice to any agent of the STATE or under courts regarding this fictitious and false report damaging my credit is also a Violation. 
XXXX is not in possession of any documents that provide or prove whether Respondent/SELF/ LEAD BANK is or is not acting in the capacity of an agent. 

I am also not in possession of any documents that prove that the SELF/LEAD BANK ever did loan XXXX any real money.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven by XXXX XXXX XXXX but they are showing on my credit report
Product: Debt collection

XX/XX/19 - I received a letter from Lippman Recupero stating that an amount of {$3700.00} is owed to creditor XXXX XXXX XXXX XX/XX/19 - Certified mail received by Lippman Recupero requesting the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

XX/XX/19 - I received a list of charges on a move out statement. No additional information was provided XX/XX/19 - Certified letter delivered requesting additional information as no questions asked were addressed XX/XX/19 - I received the same statements of move out charges. No additional information was provided
Product: Credit reporting or other personal consumer reports

This innacurate unverifiable account is severely impacting my ability to obtain credit. I have confirmed accuracy from the clerk of the court to certify that the information on PACER is 100 % accurate, ( there is no case of record ). Furthermore, they claim that they did not report any information to the consumer reporting agency. 
However, you said the item was verified? How was said items verified? Which person from the bankruptcy court certified the accuracy of the information? 

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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My husband and I have had had multiple unknown inquiries on our credit reports. I have tried numerous times to close online accounts with Experian and all data related so as not to have our personal information online. They do not respond and there is not an option to close our account online. This has been happening for about a year to where I can not close the accounts or get anyone to help.
Product: Debt collection

On XX/XX/XXXX my husband paid Transworld Systems Inc ( TSI ) the full amount to pay off a medical debt and one other account that they said that I owed. My husband verified that this satisfied all debts owed to TSI, and was told that it did. However, the account continues to report to my Credit Bureaus. I requested disputes with XXXX twice ( thinking that XXXX and TSI were the same thing ) - both times the balance changed, but only by small amounts, and the account stayed on my report. We contacted TSI on XX/XX/XXXX and spoke with an agent. We advised them of the situation, gave them the confirmation number and the date and amount of the payment ( which we have the records of ). We were told that the account was paid off and that they would remove it from my credit and send us a letter stating that the account was paid in full. We have not received the letter and the account continues to not only report on my credit, but to also increase in balance each month. TSI has had 5 months to report the account as Paid in Full. Instead, each month, over the last 5 months, they have reported the account delinquent and increasing in balance.
Product: Credit reporting or other personal consumer reports

I C Systems is reporting inaccurate information on my credit report. Please remove.
Product: Credit reporting

XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data has pulled a hard inquiry on my credit file twice in XX/XX/2021. Factual Data can not access my XXXX  credit file after I have removed my security freeze. Factual Data is able to access XXXX, and XXXX  with no problems. 

I contacted XXXX directly and they have confirmed the security freeze for my credit file is temporarily lifted. Factual Data should be able to access my credit file.
Product: Credit card or prepaid card

Wells Fargo charged us excessive interest, by a misleading process where there was a payment delay - by Wells Fargo ; Wells intentionally takes up to 2 billing cycles to process the initial payment, putting the consumer behind in payments.
We bought an engagement ring at a local jeweler, about {$1500.00} worth, and used our new Wells card to pay for it. 

The program they offer is called " Jewelry Advantage ''. It is a XXXX card, dedicated to one Jewelry store. We opened such an account. They advertise that if you pay off the charge within 6 months, there is no interest. However, we ran over by 1 month, through no fault of our own - so they charged us interest. 

It sounds simple but Wells has set this up in an extremely deceptive way. They ask for your routing and account numbers, so they can 'pull ' the payments in an automated way. 

Here is the problem : they take up to XXXXWO FULL BILLING CYCLES to pull the first payment. This puts the consumer behind - potentially right from their first payment!
What is worse, is we did in fact notice we were behind ; we called Wells Fargo, the rep said he would fix it ; by taking a payment right then on the phone, and then the payments would 'sync up ' and we would be fine. We did exactly as he said, but we still ran over - it never sync 'd up.
Obviously the consumer can check over and over ... but when you deal with a bank as big as Wells Fargo, you want to have some trust. There is no reason to take up to two full billing cycles to pull an EFT payment. Everyone deals with EFT. It can be fully transacted within 4 days, sometimes as fast as 2 days. 

Our interaction with Wells - which was extensive, including several senior ( VP ) people - gives me the very strong impression that this design is intentional. They want the consumer to fall behind, so they can collect more interest.
Wells Fargo has found yet one more way to fraudulently collect excessive interest from consumers.
Product: Mortgage

In XXXX of XXXX I decided to refinance my mortgage through XXXX. During the closing process, XXXX made an error on my closing paperwork which caused an incorrect amount of tax to be collected and paid their title company. Once the loan was closed, XXXX refused to answer any emails or calls and directed me to their servicer partner, TMS, who took over my loan in XXXX of XXXX. On XX/XX/XXXX of XXXX TMS told me they were transfering my mortgage to XXXX XXXX and not to make any additional payments to them. XXXX XXXX never received my loan from TMS and when I contact TMS to resolve the issue they never answer or call back. I called them by phone on XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX to attempt to resolve the issue but after 1 hr waits each time the line disconnected. I also emailed them on XXXX, XX/XX/XXXX and XXXX but have not heard from anyone. TMS is telling me they have transferred my loan but also to pay them or I will be in default.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted an initial dispute letter via certified mail ( Tracking # : XXXX ) to TransUnion about fraudulent inquiries that were not authorized by me and they did not remove the inquiries from my account. I then sent a follow up dispute letter on XX/XX/XXXX via certified mail ( Tracking # : XXXX ) and they still have not removed these unauthorized inquiries. 
Please remove inquiries listed below : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX 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

On XX/XX/2020, I submitted disputes about several errors on my Experian report. All the errors are ONLY on Experian, not on the other bureaus. 

Instead of investigating the problems and fixing them, they sent me a letter stating " we were unable to honor your request ... based on the limited amount of information regarding your dispute ''. The letter I sent them contained a detailed description of each error with cross reference to their credit report, a copy of their credit report with each issue highlighted and cross-referenced back to the letter, and full identifying information including SSN and birthdate. 

I know that Experian likes to send out form letters rather than actually doing anything, I guess they hope they'll just wear out the individual rather than Experian itself actually doing any work. Experian overall seems to prefer making it as difficult as possible for consumers to actually get them to report correct information. But this is ridiculous, they have more than enough information without stalling and deferring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and  telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX SELF-REPORTED   XXXX, XXXX SELF-REPORTED XXXX, XXXX SELF-REPORTED XXXX, XXXX   SELF-REPORTED XXXX, XXXX XXXX
Product: Student loan

Navient Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Student Loan Account Dear Navient, I am writing to formally express my complaint regarding my student loan account. I have encountered the following issues : Billing Discrepancies : I have noticed discrepancies in my billing statements, including charges that I believe are incorrect. For example, my statement dated XXXX shows an unexpected late fee, which I believe is inaccurate as I made my payment on time.

Lack of Communication : On XX/XX/year>, I contacted customer service to inquire about this matter. I spoke with [ XXXX XXXX XXXX ], but I have not received a satisfactory resolution or follow-up regarding my concerns.

Impact on Finances : This issue has caused financial strain and confusion regarding my repayment plan, making it difficult for me to manage my budget effectively.

To resolve this matter, I request a thorough review of my account and a correction of any inaccuracies. I would also appreciate clear communication regarding my account status moving forward.

I look forward to your prompt response to this complaint. Please contact me at discuss this matter further.

Thank you for your attention to this issue.

Sincerely,
Product: Debt collection

This is a follow up on a XX/XX/year> A transaction of {$11000.00} went through to a XXXX autopay that I did not authorize nor have this XXXX account. I have called XXXX about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called XXXX to have it closed and/or was told I do not have this XXXX  credit card account as far as I remember. However, a transaction was made from my XXXX under the same XXXX credit card issue I have complained about it being used not under me. I have asked for investigation from XXXX XXXX XXXX  enclosed a letter declining my request for refund and removal from my profile and adamant that I received benefit from this transaction. I have went to a XXXX location and they refused to help. I filed complaints to dispute this transaction and XXXX decided to turnover to a debt collector - Cavalry SPV I LLC to sue me for owing them a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several documentations of proof that Experian is reporting inaccurate information on my credit report. Experian refuses to update the information to report correctly.
Product: Debt collection

I did n't owe the debt this company tries to collect. I do n't even remember I was with the service provider and If I was using their service, I always paid in full any balance that I owe.
Product: Student loan

As Great Lakes and Nelnet are " sister companies '' as I was told, you'd think they'd have all records and documentation of conversations, etc... 

It was explained to me that these previous conversations no longer exist, nor was it appropriately documented in my case file. Go after these companies that MESSED up for the past 20 years in regards to these things. I've been paying these loans back since 2003, but apparently I have 8 years left to pay? These are the issues that make people lose hope in every avenue of our country. I have pictures from the old Great Lakes website SHOWING when my payments were to resume and when the final payment was. If you had a record of what that site looked like, it is CLEAR AS DAY that it came from that particular URL. 

Hold these people responsible for their lackluster and willy-nilly attitudes for the past 20 years.
Product: Credit reporting or other personal consumer reports

My personal information with Equifax has been breached. Attached is the proof and they refused to delete these accounts. Please delete these reports immediately as I was a victim of this data breach. Delete all reports an any negative reporting including late payments. XXXX ) XXXX XXXX XXXX | XX/XX/XXXX XXXX ) XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX According to USC 15- 1681 and USC 15-1692 It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.