23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original complaint closed however company did not provide information requested Documentation on Your Licensing : Please furnish me with your agency 's licensing and registration information, as required by the relevant state and federal laws. Please consider this letter as a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

They just updated a bunch of false information also sharing my information without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately
Product: Credit reporting or other personal consumer reports

I TOOK A LOAN OUT IN XX/XX/XXXX WITH THIS COMPANY IN WHICH I INTENDED TO REPAY, BUT I WAS UNEMPLOYED SOON AFTER HAVING LOST EVERYTHING I OWN, BEING HOMELESS WITHOUT SUPPORT FINANCIALLY OR ANYTHING ALONG WITH BEING DENIED FOR UNEMPLOYMENT BENEFITS, I AM UNABLE TO OBTAIN EMPLOYMENT, A VEHICLE OR A HOME DUE TO HAVING THIS ON MY RECORDS. THEY HAVE DONE A GREAT JOB FORGIVING THE DEBT NOW I AM ASKING THIS DEBT TO BE REMOVED FROM ALL RECORDS BY XX/XX/XXXX OR I WILL SUE FOR {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Re : Portfolio Recovery Associates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They have failed to VALIDATE ANY DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I once filed a complaint against this company one time before but now I have a better understanding of what happened my identity was stolen back in 2013 when I first moved to XXXX XXXX XXXX XXXX South Carolina I put a freeze on my credit someone went to XXXX or either XXXX South Carolina and did a huge loan with XXXX XXXX XXXX I called the head office and ask them about the loan and ask them how could I get them to remove off my credit and that it was fraud I asked them how did a person apply for the loan the lady said they did it online because after she told me that that's when I let her know it was fraud then she said if you can get information from the law enforcement or proof of fraud then we can do something about it and then she got an attitude with me so I told her I was going to take it further
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I purchased clothes for amount {$59.00} from XXXX XXXX in XXXX, MD. by signed up for a new credit card, But I didn't receive the bill and the Credit card until XX/XX/2022, I paid the said amount {$59.00} plus the late fees and interest charged total amount {$93.00}. 
In XXXX and XX/XX/2022 I received other bills for interest charged although I paid the full amount, So I decided to close the said credit card account and spoke with the Supervisor on XX/XX/2022, she promised that she refund late fees because I didn't receive the bill and Credit card until XX/XX/2022. 
Unfortunately, I surprised that they reported late payment for 02 months so that damaged my Credit score at the time of Mortgage applied to buy a home for my family, So kindly I ask you to take further action to repair my credit score,,,!!!!!!! 

Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX Maryland XXXX XXXX.
Product: Credit card

i initially opened an account with Wells Fargo back in XXXX ( not sure a month ). My account was compromised and closed due to fraud in XX/XX/XXXX with XXXX balance. This was when Wells Fargo had issues and complaints started coming in from XXXX of people stating Wells Fargo employees were opening accounts without their knowledge. I later ( around XX/XX/XXXX ) noticed that Wells Fargo reopened the account and now showed the balance {$7100.00}. I have not requested this account and i did not make any charges. I have been to the bank several times they were giving me descriptions of certain charges i told them i didn't do with a clear explanation that they were made outside of my town, they would agree and close the account, then a couple of months later they reopened it again. I went to the police and filed a police report. police couldn't investigate since most charges were outside of their jurisdiction. I received a letter from the collective class action lawsuit against Wells Fargo and joined the case. When the case was won I thought it's all over. It is not. I also file an FTC report against them its clearly a fraud! I want them to stop ruining my life and stop this reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$5500.00} ( Original XXXX XXXX XXXX AUTO I ) XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to update a portion of the data in my credit document ; notwithstanding, there are still a few accounts that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX 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
Product: Student loan

For over 4 years I've been getting collection calls every single day from XXXX XXXX. Even when I pay them, I still get a call. It's harassment. I want it to stop. And they would never let me refinance my loan, even when I tell them I'm unemployed and never eat. I hate my life. I hate XXXX XXXX. They've contributed to the falling out of me and my brother in law, who was the original co-signer. As much as I've paid them both back, I've paid in interest, and this won't ever go away. Not to mention every single day I get at least 4 phone calls. XXXX XXXX. I don't have your money.
Product: Debt collection

I have disputed with this company about a debt they claim I owe. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. All they have sent me is a copy of a bill, Per the FTC, a copy of a bill or itemized document does not constitute verification. Despite my numerous letters they continue to mark it as meets FCRA requirements, without showing that I have a legally binding contract to pay them what they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two agencies trying to collect on the same account. XXXX XXXX XX/XX/XXXX USCB corp XX/XX/XXXX both for XXXX XXXX which I only had one account with them, took classes there once four years ago, had a payment plan but had to stop doing classes due to a layoff at work, did inform them what and why. Original collector not on my report but now I have two other agencies trying to collect, disputed but said information is correct and everyone is telling me no that there's only one account even tho two are showing up on my report.
Product: Bank account or service

Went to check my balance on my account and noticed that there were XXXX transactions for a XXXX loan for {$94.00}. Check with the XXXX account hold to see if he made the payment and he said no. Call customer service to see if they can figure out what 's going on. Spoke with a customer service rep named XXXX .that told me I had to file a complaint with collection fraud. She transferred me over to XXXX that he could see it. But started to tell me about the other transactions on my account like my transfers. from my savings to.checking in which the days do n't add up from when I transferred money over. Then he told me there was no XXXX payment for {$94.00}. I told him yes there is or I wo n't be calling your company. And another thing he asked me for a verbal passwordthat I do n't remember doing. Please help this is the second time I am trying to like this bank but the more I stay the more problems I am having.
Product: Mortgage

XX/XX/2024 Around midnight, after I've been caught up, Specialized Loan Servicing LLC withdrew {$570.00} from my bank account. When I realized what they did ( around XXXX XXXX  ) I called and requested they cancel that withdraw. They did, but it was still pending on my bank 's end. I called my bank and all they ask for is that SLS submit/fax a letter on letterhead confirming the cancellation. I faxed to SLS ( I'm on XXXX raising my nephew, every dime counts! ) what my bank needs. Suddenly there is a problem. They are stating they need a letter, sent, and it will take thirty ( 30 ) days! They withdrew money that shouldn't have been withdrawn! They cancelled it that day. Why the hold up? Why not work with me? Why a whole month? I have faxed, called, been on hold for hours, webmail, SLS.net website, why be unreasonable with MY money?
Product: Mortgage

I started a Loan Mod with Seterus and I also applied for hardest hit fund. I Luckly got accepted for Both. I signed Paperwork and Seterus took the money and used {$6000.00} and sent it back to Hardest hit Fund. Saying they couldnt use the fund but took {$6000.00}. And then sends me a letter saying i owe {$1500.00} in escrow money. When hardest hit called they said i do n't owe anything. 
They took XXXX and created a Deferred Principal Balance to be paid at the end of the Loan. When they could have used the hardest hit fund to the Principal.
They told hardest hit fund they could n't use the help and now they are asking me for the money.
Seterus is running a scam to overcharge customers. House is not on the Fair Market Value. Fair Market Value of the house should be XXXX.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX  ] [ XXXX, GA, XXXX ] [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report as reported by your bureau. The account in question is XXXXXXXX XXXX XXXX which is reflected on my credit report with a reported balance of {$730.00}, marked as closed, and listed as charged-off. 
After reviewing my credit report, I have identified the following inaccuracies regarding this account : 1. Payment History : The report inaccurately reflects my payment history as being 120+ days late for several months, which I dispute. For example, XX/XX/XXXX is listed as current, yet subsequent months reflect inaccuracies in payment status without proper context. 
2. Account Closure : The account is listed as Account closed by credit grantor, but I did not receive formal notice of this closure nor the reason behind it.

3. Balance Reporting : The reported balance of {$730.00} seems inconsistent with my records, which show a different amount. 
These discrepancies are significant and impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide the supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. You may contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is needed. 
Thank you for your attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]
Product: Debt collection

This complaint is regarding accounts. Per tracking, its been several months no information given, no investigations performed and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} INQUIRIES : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX CREDIT XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  - G Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX ELDER XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around 20 inquires from unknown sources to my report. i have filed a report with identitytheft.gov as well and these are the names of the inquiries ; US SM BUS ADMIN ODA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 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 XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint concerning a charge-off account reported by XXXX XXXX XXXX XXXX  which has negatively impacted my credit report and hindered my ability to obtain credit. The account in question relates to an overdraft situation for which I did not receive any notification, and I believe it has been inaccurately reported. The account was charged off in XXXX  for an amount of {$210.00}, while the high balance was reported as {$210.00}. This inconsistency raises concerns regarding the accuracy of the reporting in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that all information submitted to credit bureaus be accurate and complete. 

Additionally, I did not receive any prior notification regarding the charge-off, which contravenes the obligation for creditors to inform consumers before reporting negative information. It is important to note that the only reason this account was settled was due to a direct deposit that was made into the account without my knowledge of its overdraft status. 

LAST CERTFIED LETTER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested verification of the debt and a 1099-C form from [ Credit Union Name ], but I have not yet received a response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, and the lack of communication from the creditor is troubling. This charge-off has been reported for six months and is causing significant damage to my credit profile, resulting in denials for credit applications. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring the removal of this inaccurate charge-off from my credit report, in accordance with 15 U.S.C. 1681, which emphasizes the importance of accurate credit reporting. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan a couple of years ago with XXXX XXXX XXXX. They sold all consumer loans to a new company XXXX  XXXX. I have been making my payments and I happen to make a payment 2 times in the month of XXXX where the second payment went to priciple only so it didnt show for XXXX payment. They reported my payment late on XXXX report which dropped my score a lot and I called them and they wouldnt correct it. I feel they should correct this because now it shows a reverse payment on my account with them but it wasn't like that before. I spoke with a lady on XX/XX/XXXX and she said that she could see that it was showing principle only payment but then a reversal. I am not sure what that is I just want it to be cleared up so I can get this loan for my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

All outstanding debt for XXXX was paid in full at the time of closing my account with them. I never received any collection attempts or bills for this debt from XXXX after closing the account. Upon inquiring about the collection directly with XXXX they were not able to produce a bill or explanation for how the debt was accrued. I have yet to receive a formal response from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and saw various incorrectly reporting physical address, name variations and employment. 

I have tried to contact XXXX XXXX and Equifax by phone to challenge and dispute ; however, there are no resources to help. 

Incorrect name variations : XXXX, XXXX, XXXX XXXX, XXXXXXXXXXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Employers XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo allowed someone to open a savings account without my knowledge or consent and withdraw {$26000.00} roughly in XXXX backpay from the savings accounts then close the account, leaving me XXXX less. 
Wells Fargo sent me a letter stating they are not liable for returning the federal money to me because they either emailed me or mailed me a letter welcoming me to the savings account. I never received any information about a savings account and Id appreciate my XXXX backpack back. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$19000.00} XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX