23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I reviewed my credit reports and noticed there was a collection account from Transworld Systems reporting a past due balance of {$270.00}. The original creditor was  XXXX XXXX Hospital. I called the hospital and asked if there were any unpaid bills under my name and social security number, and I was told there were none. So I sent a letter to Transworld and asked them to provide me with some kind of proof that I owed the debt that they are reporting to my credit reports. After receiving no response from them, in XXXX, I disputed the accounts with all three credit bureaus ( XXXX, XXXX, and XXXX  ). I was  informed by the credit bureaus that Transworld had validated that the accounts were reporting accurately, and that I did owe a past due amount of {$270.00}. I sent another letter to Transworld in  XX/XX/XXXX, asking that they please provide me with a copy of the statement or the bill, to show where this past due balance was coming from. Again, I received no response from the company at all. I disputed the accounts with the credit bureaus for a second time in XX/XX/XXXX, and again, Transworld has certified that the balance is reporting correctly. I have followed up with the original creditor, XXXX Hospital, several times and they are telling me that there are NO outstanding balances on file for me. I have never received a single communication from Transworld to show me this balance that they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
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: Debt collection

Hello, I have not been using XXXX for years but they are still charging my account with increasing amounts. XXXX is charging my XXXX account for the services I 've never requested or used. I called them and they returned my money without any problems and agreed that I should not pay for unwanted services, such as web site building applications I never used or requested. That is why I decided to stop XXXX from taking unauthorized amounts from my XXXX. Instead they added together random amounts, put them on my credit I never had with them, and started harassing me sending threatening letters, then sold this fake debt to the collection agency who started sending me harassing letters and threatening to ruin my credit. Please stop it immediately and return all money I paid to XXXX for fake services I 've never used.
Product: Debt collection

Jefferson capital systems LLC Subject : Request for Debt Validation Dear Jefferson Capital Systems LLC or To Whom It May Concern, I am writing to request validation of the debt that you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ). 

I request that you provide me with the following information : 1. Verification of the Debt : A detailed statement of the amount you claim I owe, including any fees, interest, or other charges.

2. Proof of Ownership : Documentation showing that you are legally entitled to collect this debt.

3. Original Contract : A copy of the original contract or agreement that created the debt. 
4. Payment History : A record of payments made toward this debt, if applicable. 

Please note that until you provide the requested validation, you are required to cease all collection activities, including reporting this debt to credit bureaus. 

I appreciate your prompt attention to this matter. Please send your response to my address listed above within 30 days. Thank you for your cooperation. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2.00} ; XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00}.
Product: Credit reporting or other personal consumer reports

I have an incorrect address listed on all of my Credit reports. The address is XXXX XXXX XXXX. XXXX, CA. XXXX. The address belongs to my cousin. Who was the Financial Power of Attorney for my father. I lived with and cared for my father. His address was different from my cousin. I believe that most of his financial matters used my cousins address. Somehow my name was also added to that address. On one report, Experian there is a comment next to the address that says Generational Identifier. Also on one report XXXX. there is an investigation Summary regarding the same address. States that more investigation required. I have documents that show this information. However my printer scanner broke this morning. Can I send an addendum to this complaint showing the information? I just need to have this address removed from all of my files. I never lived at this address. I'm unsure if this mistake will prove to be a problem for my cousin as well. Thank you for your time. Please advise if there is more information needed. The address appears on all 3 of my Credit reports. It was the basis of an identifying phone call to financial lending company when I applied for a personal loan. I answered truthfully that I have never lived at that address. I never realized that the address appeared on the reports. I don't know if that answer could have been problematic or not. Thank you for your help.
Product: Debt collection

I have reportedly asked that XXXX, XXXX and now the collection company Midland Funding remove this debt. XXXX has agreed to do this and to my knowledge has done so. Midland Funding has not removed the debt.
Product: Debt collection

National credit systems has a XXXX balance from a old apartment complex I was living at.. due to coronavirus my job was affected and I lost my job .. fell behind in my rent and when I did find a agency to help pay the back rent XXXX XXXX did not accept it instead they terminated my lease..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( Experian, XXXX, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

On my Consumer Report, this lender/bank/company are reporting chargeoff/canceled debt. So I contacted them about the 1099C that they are supposed to send to me per IRS Publication 4681, to file on my tax return as income. I have yet to receive it! So I would like to report suspected tax fraud. I also would like to report inaccurate reporting of information per Title 15 USC 1681 s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit card or prepaid card

I just received a bill from Chase Bank showing interest being charged on my XXXX XXXX Credit Card account. Well, it appears that we mistyped an online bill payment three months ago and have been getting charged interest since then, even though the account has been paid in full for the last two ( now three ) months!. In calling for an explanation, it appears that somewhere in their fine print, their contract now says that if you miss even one payment, you will be charged interest for an additional two months beyond the first month you were charged interest as a penalty for missing that one payment regardless if you pay the bill on time, We've had this account for years and always pay our bills on time and have credit scores over XXXX on all three reporting agencies. 
I strongly recommend that anyone with a Chase Credit Card account, especially a credit card account that charges an annual fee of {$95.00}, cancel their account to avoid these excessive charges. We have cancelled our account and will be cancelling another Chase account and will not do business with this company unless the three months of interest are refunded. 
This is horrible customer service.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report- they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I requested that these UNAUTHORISED inquiries be removed, due to the F.C.R.A stating without ( WRITTEN CONSENT ) 15 USC 1681 ( B ) PERMISSIBLE PURPOSE in which i never gave experian WRITTEN CONSENT to put said inquiries on my consumer report. Not only are experian in violation of 15 usc 1681 ( b ) but knowingly and willfully reporting something on a consumer 's report under false pretenses shall b fined under title 18 and is a violation of 15 usc 1681 ( Q ) which is identity theft. Also punishable by fine or by up too two ( 2 ) years imprisoned, or both. 


I requested that ALL the UNAUTHORISED INQUIRIES shall be removed due to the fact of the said credit agency ( EXPERIAN ) CAN NOT produce the document that shows/proves that i GAVE WRITTEN CONSENT. SO therefore since the document ( written consent ) cant be upheld i demaded the said credit agency ( EXPERIAN ) DELETE THESE UNAUTHORIZED inquiries.
Product: Credit reporting

I have been disputing with Equifax over my XXXX XXXX account. I have spoken with XXXX XXXX and the other XXXX credit reporting agency have removed the XXXX XXXX from my report. I am on a payment plan with XXXX XXXX I have to pay them XXXX per month. I have spoken with XXXX manager and she said that it has been reporting it correctly that I am paying on time each month. There is nothing in my file with XXXX XXXX that says I am 120 days past due. On my equifax report it states that itis 120 days past due and it is hurting my credit score. My credit score with experian in XXXX and XXXX with equifax. I need this removed from my credit report or say I have been paying agreed and not late and an updated credit score. this is not fair. I also am having another issues with equifax on its reporting and will be disputing incorrect information on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit card

I purchased a chandelier for {$1600.00} from Designer Lighting ( XXXX NJ ) in XX/XX/year>. It arrived damaged. The merchant agreed to refund me if I returned the item. They promised to send me a return mailing label many times but 4 months later and they have not sent it. I filed a billing dispute with Citibank Master card. After 4 months Citibank said although my proof was more than sufficient to justify a refund the merchant refused to issue a refund. Doesn't Citibank have means to collect that from the merchant? Arbitration? Escalation to Mastercard? Just because the merchant is a fraud and will not issue a refund ( even though they did say in writing they would refund me multiple times ) does Citibank just accept that and not get my money back? Doesn't Citibank have other means to get that refund to me? I would think many merchants would simply refuse to refund for a billing dispute if they never had to refund money.
Product: Credit card or prepaid card

1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and XXXX ). I've submitted this complaint 4 times & you are claiming it's being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and XXXX are violating FCRA sections 611, 616 & 617. They have provided XXXX VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told me I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see that this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks LVNV FUNDING LLC XXXX
Product: Mortgage

I am currently having a problem with my mortgage company Ditech Financial. I received major damage to my property through a windstorm on XX/XX/18. My insurance company wrote me a check for repairs which is being held my Ditech Financial. I am eager and willing to make all repairs as soon as possible however Ditech will not release the needed funds for the repairs. Ditech is relying on unreasonable requests from me. I have been in XXXX XXXX for 35 years and will make self repairs. However, Ditech Financial will not allow this. I have already completed large amounts of the repairs to prevent further damage. I have been dealing with Ditech on a daily basis and they have released very minimal amounts of money. I will be unable to make my continued mortgage payment on the property due to Ditech not allowing me to complete repairs. I am in fear of losing this home due to foreclosure caused completely by Ditech 's unwillingness to use common sense. I have been supplying Ditech with all the paperwork they require but they have been uncooperative. Ditech will ultimately cause more damage then the storm did. It should be a crime for a financial institution to hold your money hostage and delay repairs of my property. They should be a helping hand not a road block. I have sent several letters and request with no responses. I do not know what else to try. I am currently making complaints to whom ever may be able to help.
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 : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, and XXXX XXXX : Account # 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: Credit reporting or other personal consumer reports

My name is XXXX XXXX I have a charge off for Covington credit and charge off for XXXX XXXXXXXX XXXX XXXX XXXX and a fraud for XXXX XXXXXXXX and another fraud that I didn't authorize was XXXX XXXX XXXXXXXX these account are all showing up on my credit report.i would like them to be deleted as it is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As pulled my report, I saw an outrageous amount of accounts under my name that are not mine. please delete these items from my report. XXXX XXXX {$590.00} XXXX XXXX  XXXX {$140.00} XXXX  XXXX {$4200.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$76.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting is reporting false information on XXXX accounts on my credit profile. The are reporting me XXXX days late XXXX  times in a row right after a XXXX day late payment on account listed XXXX XXXX XXXX. Now me, experian the cfpb and the FTC knows thats the credit reporting should go as XXXX c/o. 
Not XXXX c/o. That is in fact an error and need not only to be corrected but removed off my credit profile for incorrect information giving a false representation of my character because XXXX I was never more than XXXX days late XXXX time in XX/XX/XXXX  and thats the only time I was late for that account. 
Also Experian is reporting me late on XXXX XXXX XXXX XXXX account I was never late. Please make them follow the law because they are not.
Product: Mortgage

On XX/XX/2020 I inquired with AmeriSave about refinancing my home loan. XXXX XXXX, a loan originator with AmeriSave, contacted me and stated he could save me approx. {$150.00} a month on my mortgage with no appraisal needed, but they required a {$500.00} application fee. On XX/XX/2020 I paid that fee and he sent out disclosures and paperwork to sign. I submitted to him via an online portal ( which I can no longer access ) all of my personal documents including paystubs for the previous 2 months, mortgage payoff information, income information, etc. On XX/XX/XXXX, I received a text message from the processor stating it wouldn't be much longer before my loan is closed. Today is XX/XX/XXXX and after multiple attempts via email, text message and phone calls, I have not received a response back. I last spoke with XXXX Thursday, XX/XX/XXXX and have not received a response back from my calls or emails. During that call on XX/XX/XXXX, he stated they could not get a hold of my processor and that he had escalated it with her supervisor and his. I am not sure what is going on with this company, but they stole {$500.00} from me and all of my personal information under the guise of being a legitimate lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. It has been brought to my attention that XXXX I reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. XXXX XXXX XXXX {$430.00} 3. Fair Collections & O
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded to CFPB # XXXX stating they verified the accounts. I am now requesting specific description of reinvestigation procedures used to determine the accuracy and completeness of the alleged verified accounts. Per section 611 ( a ) ( 7 ) within 15 days of this notice to provide those descriptions of methods and procedures.