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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I tried to tell XXXX & XXXX that Citibank credit card was opened fraudulently. They did n't bother to help me in any way. They obviously do n't take identity theft very seriously. They 're garnishing my pay check for {$2100.00}. It 's unfair that I have to suffer because this identity theft.
Product: Debt collection

NOTICE TO CEASE AND DESIST XXXX XXXX XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Account Number XXXX To Whom It May Concern : This letter serves as a formal demand to cease and desist all communication with me regarding the above-referenced account, which you are attempting to collect. This demand is made pursuant to my rights under the **Fair Debt Collection Practices Act ( FDCPA ) **, specifically **15 U.S. Code 1692c ( c ) **, which prohibits debt collectors from contacting consumers who have notified them in writing to stop communication.

Additionally, I am disputing the validity of this debt pursuant to **15 U.S. Code 1692g**. I request that you provide verification of the debt, including but not limited to : 1. Proof that I owe this debt.

2. Documentation showing the original creditor and the chain of ownership of the debt.

3. A detailed breakdown of the amount claimed, including interest, fees, and any other charges.

Until you provide such verification, I demand that you cease all collection activities, including reporting this account to any credit reporting agencies.

Furthermore, I am aware of my rights under **15 U.S. Code 1681e ( b ) **, which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. If this account is being reported inaccurately or without proper verification, I reserve the right to take legal action to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **.

This letter serves as formal notice of the following : 1. You are to cease and desist all communication with me, except as required by law ( e.g., to confirm cessation of communication or to notify me of specific actions, such as filing a lawsuit ).

2. You are to provide verification of the debt as outlined above.

3. You are to immediately stop reporting this account to any credit reporting agencies until the debt is verified.

Failure to comply with this demand will result in legal action against your company for violations of the FDCPA, FCRA, and any other applicable laws. 

Sincerely, XXXX XXXX
Product: Student loan

I have repeatedly asked Navient to provide me with printed payment history, as the company has not permitted me to make lump sum payments to principal. I have yet to see my statements. Any large payments I have made have been placed as future dated payments allowing the company to collect additional interest, rather than applying the payments to principal. 

All of the below mentioned have impacted me : Trouble with how payments are handled Do n't agree with fees charged Received bad information about my loan Need information about my balance/terms Keep getting calls about my loan Having problems with customer service I went to two schools and borrowed on both : XXXX and XXXX University
Product: Debt collection

I received a notice in the mail regarding a collection effort in a attempt to resolve the matter I called the number on the notice I then provided all necessary information to validate my identity to XXXX XXXX that person then refused to provide me with any information about my case stating that I sounded like a girl and he would not give me any information and to contact him via written mail I then got upset and stated that I confirmed my information and he should not be refusing to provide with what is needed he then said my documents say that your a male and you do n't sound like one so I 'm not going to give you any information and then hung up the phone I then called back and XXXX answered the phone said hold on and hung up the phone again I then researched the contact numbers of that company and got in contact with his manager XXXX XXXX to explain to her that I felt discriminated And they legally had to provide me with the information about my debt she then stated she was going to stand by XXXX and no provide me with my information because I do n't sound like the person I am saying I am even though they have never had any interaction with me before to know what my voice sounds like I then stated that it was illegal for her to make an assumption of my gender based off of the tone of my voice and would be contacting a lawyer if the continued to refuse to provide me my information. I then contacted XXXX w/ the call recorded in one more attempt to resolve the debt and dean still refused and transferred me to his manager again XXXX XXXX with the call being recorded I stated to her that I was giving them one last chance to provide me with the information and that I was recording the call she then again refused to provide the information I then stated that I would be contacting the credit bureau to notify them they are refusing to validate my debt and that they are unwilling to cooperate with a debtor and refusing payments she then stated we were no longer going to have this conversation and hung up the call. This account has been filed with the courts it reflecting negatively on my credit report and all i wanted to make payments and take care of this debt but they are refusing to provide me information to do so based off the tone of my voice why should i be required to pay if they arent willing to give me the information
Product: Debt collection

I ask for debt to be Validated by requesting original signature of contract.payment history and proof of ownership of debt! Also for payment history of debt. Did receive be letter this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account currently listed and showing on my XXXX and Experian credit report has an incorrect balance : XXXXXXXX XXXX  XXXX XXXX, {$510.00}. The balance of {$510.00} is inaccurate. The XXXX XXXX XXXXXXXX XXXX account is paid in full and I have a balance of {$0.00}.
Product: Credit reporting or other personal consumer reports

Ive spoke with the court of XXXX XXXX California and they stated they do not furnish credit reports.

Rule 9037 : Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Currently here fraudulent accounts and inquiries Appearing on my credit report.
Product: Mortgage

Shellpoint Mortgage Company bought my loan in XXXX 2015. They erroneously charged me {$320.00} a month less in escrow each month than was due. Hence, the additional money was being applied towards my principal. Moreover, I now owe {$2200.00} in back escrow. This is a large sum of money even when spread over 12 - 36 months. To take one year, from time of assumption, to do an " escrow analysis '' is an absurd amount of time.
Product: Credit reporting or other personal consumer reports

This credit reporting agency refused to investigate my dispute which is a violation of the FCRA section 1681i ( a ) ( 1 ) ( A ). I provided the credit reporting agency with all my personal information needed for the dispute, but I received a letter stating they will not take any action on my request. Clearly my rights were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certegy declined a check at XXXX on XXXX I have written checks at XXXX prior to this past year- I am a customer since the store opened. It is a business account and has ample funds. No one at Certegy could tell me exactly why my check was declined. I provided my drivers license. I have not been in the store for over a year due to COVID 19. I have a great credit score, own my home and vehicles. There is absolutely no just cause to decline my check at a store that I have a good relationship with. I have never had a check declined in my entire life until yesterday. It was embarrassing and wasted hours of my time trying to get a valid reason why. This company isn't doing XXXX and favors and will likely cost them, customers.
Product: Credit reporting

XX/XX/XXXX-XX/XX/2014, we were in the process of moving. We did not have a balance on this credit card. Unbeknownst to us, they added a monthly fee anyway. This particular company will not allow you to overpay, even when their system takes several days to process a payment ; days in which they continue to charge interest. A few months ago, we had another problem, their fault, and after speaking with customer service, we were told that both problems were taken care of. That all we had to do, anytime there is an issue, is call them. They stated that we were not reported for nonpayment to the credit bureau. This was supposed to be taken care of. Otherwise we threatened to close down this account. You can see that I am trying to improve my credit, any way I can. This one report is n't easy to overcome with the few repots I have. Thank you for your time. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking the credit bureaus to delete these unknown addresses on my report since XX/XX/XXXX. 

Equifax has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  has an inaccurate address of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX I need them deleted off of my credit reports they do not belong to me. Not my primary residence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

This is a parent plus loan. School closed navient serviced the loan i paid 19 months on the loan. XXXX College closed 2 months after my daughter start. Filed a dispute it was determined the school ive mailed all the neccessary documents required. Stilling getting the run around. There is a refund involved. I have fax certifcated mail return items still no results.
Product: Mortgage

Induced by wells fargo bank they forged HELOC documents and consumer XX/XX/XXXX filed police report about the matter. XX/XX/XXXX had to made payments or else looser they home which is paid off. Required documents from wells fargo bank about the credit balances by the failed to provide the disclosure information. Billing error disputed request under 12 CFR section 1026.13 et seq requested Wells Fargo Bank never provide information XX/XX/2023.

They just keep sending billing statements. They filed foreclosure on XX/XX/XXXX on XX/XX/2023 to take They home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that still reporting is a chargeoff amount of {$2300.00} for a Wells Fargo credit card that I paid to {$0.00} in XX/XX/year>. I am disputing the validity of this balance as 1 ) it has already been paid, 2 ) it negatively impacted my credit scores, and 3 ) it is being added to my total Debt-to-Income which is directly impacting how much I qualify for in a home loan.
Product: Credit card or prepaid card

I received a letter in the mail from Bank of America stating they detected suspicious activity on a credit card and as a precaution they suspended the account. I called Bank of America and spoke to their fraud department. They said there appeared to be two lines of credit opened in my name as recent as XX/XX/2021. I told her that I didn't request a Bank of America credit card on XX/XX/2021, and don't recall having a recent Bank of America Account ( uness it was something I may have opened years ago ). She suggested that I contact the FTC for identity theft and gave me a telephone number of XXXX. I called the number and it directed me to their website. Their website directed me to this website. They also suggested I contact the three credit agencies and put a freeze / block on my social security number. They also recommened having a credit report pulled and file a police report for identity theft.
Product: Debt collection

I submitted a request for PRO COLLECT or XXXX XXXX XXXX to validate a alleged debt, what I received was a lease from 2005 in which I signed a lease with XXXXXXXX XXXX XXXX XXXX PRO COLLECT nor XXXX XXXX can not with 100 % certainty produce any documentation where I signed a lease agreement either entity. I am getting the law directly from your policy FCRA 609. If original debt can not be verified it has to be removed.. This law requires every company that reports credit events -- not just the original creditor companies -- to be able to produce verifiable proof of the negative event. It holds the credit reporting agencies accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge the accuracy of negative events reported on them. The intent of the government was to protect debtors from having inaccurate information used against them .... I hope this can be resolved without me seeking legal representation and me calling the local news to advise them that my rights are being neglected/overlooked by the agency that has sworn to protect them.
Product: Credit card or prepaid card

I understand that you are requesting the removal of a late payment from your account, as you have never been late and have been working hard to make your payments on time. In order to assist you with this, please provide me with the necessary documents so that I can further investigate the issue and assist you with disputing the late payment with the credit bureau.
Product: Debt collection

Chex Systems have me on my Credit Files on 3 credit Bureaus as owing XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and I do n't have nothing owed to them. These accounts was cleared up back in XXXX & XXXX of XXXX and my bank informed me it was showing as a debt owed and there is not one owed. 

I have call them and got the run around they was mailing me something to this matter and there is no real answer from Chex systems
Product: Student loan

I am trying my hardest to keep this XXXX loan account and not behind - I make payments monthly, unable to always make the full payment as I am also making payments on my other private loan accounts. XXXX is telling me there is NOTHING - NOT ANYTHING they can do to help me out at all with lowering these monthly payments. I have called XXXX of times and spoken to nearly every department and explained my situation and have gotten nowhere. I am told over and over again that because it is a private loan, they ca n't do anything about it. 

From my understanding, XXXX XXXX XXXX actually owns the loan and XXXX is the organization managing it. The loan information all comes from XXXX.
Product: Credit card

XX/XX/2023 I contacted American Express in regard to a unknown balance. This card was was mainly used on my XXXX account where I signed up for it. After being on the phone for about XXXX hours I noticed the fee was due to a charge that XXXX didn't refund back to the card. So I agreed to pay the charges and all other fees were waived due to me not being aware of the bill because I had not been using the card. After that the bill had a XXXX balance and I requested for the account to be closed. Later I realized that I was still being charged fees on this closed account. In which I reached out before or the beginning of XXXX regarding the bill. I spoke with a supervisor who said he would mail out all my statements and for me to let them know what fees I didn't owe, other then that nothing was done about it and the bill was at a outstanding balance of {$200.00} due for XXXX, accumulated from fees that American Express continue to charge me for no reason though I paid my last payment in XXXX and closed the account. I have called about 7 times since then to get this issue resolved and I keep getting the run around and poor excuses regarding the fees. I have spoke to three or four supervisors in which, only one that I spoke to on XX/XX/2023 attempted to get the fees removed but only down to {$150.00}. I am constantly being told these charges are from when I didn't pay my bill in XXXX or XXXX ; which makes no sense if I paid my last payment in XXXX and late charges/ interest were waived on XX/XX/XXXX. Statement shows that a fee of {$39.00} dollars was added on XX/XX/2023 after I made my last payment on XX/XX/2023, and they have continue to charge me late fees and interest since that date though my balance was XXXX when I closed the account. The statement shows their adjustments on XX/XX/XXXX though everything was done on the XXXX of XXXX. 
I think there is glitch in their system because these charges are not accurate and makes absolutely no sense. I am not willing to pay these because I made my last payment and haven't used this account anymore since I closed it. My last calls to XXXX XXXX were made on XX/XX/2023. I was told I had to speak to a higher up level supervisor and the call had to be scheduled even though I called on a week day. The call was scheduled for XX/XX/2023 for XXXX am and no one has called. I am fed up with this company, I've never had such horrible customer service with any company. They won't listen to me as a customer and they keep making excuses for these charges and no one seems to want to resolve the issue. I have given them several chances to resolve this issue in which they have said that the date has passed for them to be able to waive their own fees that I am wrongfully being charged. They are ruining my business credit because this card is a business card. I need this to stop. I will never do business with XXXX XXXX again or advise anyone else to either. To resolve this issue, I need for all the fees to stop, all their charges to be removed, no additional charges to be added, and no more bills from American Express.
Product: Checking or savings account

XX/XX/scrub> 2023, I received a payday deposit from my employer. I tried to use my card and it was declined. I opened my app and saw a message that my funds were not available for withdrawal. They provided a phone number to call and I called. They advised me that they would be ending the banking relationship with me. I asked why and their response was that there was an ongoing investigation. I asked to escalate so that someone could give me more information and more reasons why. A manager called me back and offered no more information. My funds still arent available.
Product: Credit reporting or other personal consumer reports

The accounts in question which i would list in uploads have been investigated i am in disagreement with the outcome of investigation. would like them to be reinvestigated and removed from my report thanks. Accounts are fraudulent.
Product: Debt collection

I was contacted several times by R.S.B EQUITY GROUP. about a payday loan that I had taken out. They said the y had retained the rights of the loan because of none payment they supplied me with the company the company name and information witch was all correct, I asked them to email documents and I did. We came to an agreement on paying the loan. I payed them and now I 'm being told that I 'm soon to be served papers by a process server to go to court for bank fraud. because this matter has not been settled. I 've done research to find out this buisnes is in trouble with the state of GA. for these same practice ' XXXX what can I do to solve this problem and recoup my money and clear my name.
Product: Debt collection

XXXX XXXX. Sent a debt collection letter to my place of employment. This is not acceptable. I have also requested proof of the debt and have yet to receive any. I also let them know to not contact me at work. I'm disturbed that this company even got my work address.