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

I sent XXXX XXXX a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back. 

I sent a letter to Santander on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe Experian is reviewing my dispute correctly. I have provided them with evidence that this information is reporting inaccurately by the furnisher and they have not removed it from my report.
Product: Student loan

On XX/XX/XXXX, I requested a refund of {$8300.00} from Aidvantage, my current loan servicer who took over for XXXX, for payments made to the former loan servicer during XXXX COVID Pandemic from XXXX. I did not receive the correct refund. The amounts that they have recorded and refunded are incorrect and significantly lower than what I paid to them ( please reference the withdrawals/payments made from my bank account to XXXX in XXXX ). I spoke with representatives from Aidvantage multiple times and continue to receive falsified/innacurate information of amounts paid to them. When I correct the representative they somehow find the correct amount in their records from some back door. I have evidence in forms or documentation of amounts paid including bank statements and phone calls with them including case numbers from conversations weve had on this matter. On XX/XX/XXXX, I was refunded {$3500.00} less than what was owed to me. They continue to delay the refund and conversations to make this process as uncomfortable and time draining as possible to discourage the pursuit of this endeavor. I followed up with Aidvantage every 2 weeks about the progress of my refund, to verify the amount and to ensure they have all the correct information. I did this because of my poor experience with the first Aidvantage representative who continued to give me falsified/incorrect information. Aidvantage has records of these conversations written down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of  accounts (ATTACHMENT) that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!  This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX. Please respond accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Regarding [ Account Number or Collection Activity ] Dear XXXX XXXX XXXX, I am writing to formally demand that XXXX XXXX XXXX immediately cease and desist all communication and collection activities regarding the alleged debt associated with, if applicable ]. This letter is being sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 


" You are reporting inaccurate information about a debt that does not belong to me. '' " You have engaged in repeated, harassing, or unlawful communication practices. '' " The debt is disputed and remains unvalidated despite my requests for verification. '' Your ongoing actions, including " frequent phone calls, inaccurate credit reporting, or written demands '', have caused significant distress and are in violation of federal law. 

Formal Request for Cease and Desist This letter serves as a formal notice that : XXXX XXXX XXXX must immediately stop all communication with me regarding this alleged debt, except as permitted under the FDCPA, including written confirmation of the debt 's resolution or removal. 
You must refrain from reporting or sharing inaccurate information about this alleged debt with any credit reporting agencies. 
Failure to comply with this demand will leave me no choice but to pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory authorities, as well as considering legal action for damages.
Product: Checking or savings account

This financial institution took money out of my checking account to offset my credit card, and closed all of my accounts with them. From what i understand they are not aloud to offset credit card debt like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 inquiries on my Equifax credit report that are listed as being from XXXX XXXX  however I have never applied for credit with XXXX XXXXXXXX XXXX XXXX took over accounts from another bank that merged with another bank to form a new bank called XXXX. Unfortunately the law is very clear in this regard. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is not accurate on my report because when I applied for credit it was not with XXXX and unless XXXX can provide documentation with my signature on it applying for credit on the dates that have been listed this is not an accurate reporting of inquiries on my report. I request that unless XXXX can provide documentation dated for each inquiry for an application of credit with XXXX with my signature then the inquiries must be removed. Failure to do so both makes XXXX as well as Equifax liable for damages under FCRA laws for both willful and negligent non compliance. 

The dates of the inquiries : XX/XX/2021 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against Experian regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My last 4 Digits of My Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and someone has used my information fraudulently and at this current moment, I do not have any information on who is using it. 
XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My conventional second home mortgage was processed through Better Mortgage. After a tedious process where they asked for several private financial documents which were completely unrelated to the loan in question. After the mortgage loan was processed and signed, I received a letter that the loan was sold to another servicer XXXX XXXX XXXX  and I was instructed to make future payments to the XXXX. A month later, I received another letter stating that the Loan has been sold again to another servicer XXXX  and future payments would go to this servicer. In the midst of this, I received a letter warning of the cancellation of the home insurance which is under escrow payments through the servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Creditor- XXXX XXXX  has been reporting inaccurate information on my credit report Specifically the account from 2018 with several late payments, the late payments are inaccurate and I would like the consumer reporting companies to either update to on time or remove the account completely, as a consumer I have the right opt out of my information being reported Under the fair credit reporting act 15 USC 1681a 2 specifically under the exclusions it says that a consumer transactions and experiences are not to be reported on the consumer report I want to exercise my right either have all late payments from from XXXXXXXX XXXX in 2018 or update account to on time. Account is reporting inaccurate information XXXX said that late payments were verified but then changed the information, if information was verified and accurate why was information different on update? Please correct this issue
Product: Debt collection

Columbia Debt Recovery LLC dba Genesis is pursuing a debt of {$61000.00} that is inaccurately reported. This debt was paid off by a XXXX relief program, and there should be no outstanding balance. Despite disputing this with the credit reporting agencies since XX/XX/year>, and providing evidence of the debt being settled, XXXX continues to report this inaccurate information. I contacted them by phone on XX/XX/year>, but no resolution was achieved, and the debt is still reported inaccurately, causing undue stress and affecting my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> COMPLETE CREDIT SOLUTION XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear XXXX, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$11000.00} Dear XXXX, I am writing to formally dispute an amount of {$11000.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity.

Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Has sent me a document removing all negative credit reporting on my closed USAA CREDIT CARD. 
Please see attached letter from USAA LEGAL!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, True Accord, XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But Experian and XXXX XXXX are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, Experian and XXXX XXXX for the Original Creditor XXXX XXXX on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. E Oscar or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and XXXX XXXX XXXX. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me
Product: Debt collection

An employee of  Leviton Law Firm ,  XXXX   XXXX , under the supervision of " attorney ''  XXXX   XXXX   XXXX  continues to email me and other employees after being requested in writing to cease and desist. He originally emailed on    X/XX/17   de manding {$120000.00} and all of our corporate documents. The CEO requested that he cease and desist on   X/XX/17    .  XXXX  emailed again on   X/XX/17   demanding to come to our office and make copies of corporate documents. This debt is inaccurate and  XXXX  shows no desire to follow the law.
Product: Checking or savings account

Ive been a depositor with US bank for over 10 years. I moved to XXXX, Wyoming over 2 years ago. On XX/XX/XXXX XXXXXXXX XXXX XXXX issued me some blank checks to use for a balance transfer at XXXX percent interest for 10 months. I deposited one of those checks in the amount of {$10000.00} into my US Bank checking account to pay down 2 large interest bearing credit cards. After the check had cleared and the 2 payments cleared, US Bank decided to reverse the XXXXXXXX XXXX and reverse the 2 payments to my 2 credit card companies and close my account for Suspicious Activity. They also kept my last auto deposit from my employer dated XX/XX/2023 and caused me considerable hardship. They finally issued me a check on XX/XX/XXXX. I had to borrow money to pay my mortgage on time and to make a car payment on time. I have 3 auto deposits going into my US Bank checking account each month, 2 from my employer and 1 from Social Security. My checking transactions are pretty much the same each month, no unusual activity. Using bill pay I pay my mortgage, utilities, car payment and credit card debts. The only difference this month was the {$10000.00} deposit from a reputable financial institution. The treachery of this act has caused me to reconsider leaving my money in any bank. Now I keep all my money safe at home. Recalling how the prime minister in XXXX had frozen the assets of the truck drivers who protested the unlawful vaccine mandate, I thought at the time that this could happen here in America too. But I didnt think it could happen to me. And since it happened to me, then it could happen to anyone. It is a sad day in America when a bank can commit such an egregious act against a law abiding citizen.
Product: Mortgage

In XX/XX/XXXX/XX/XX/2018, I was notified that my loan was transferred from XXXX XXXX XXXX  to Fay Servicing. I was told all conditions, payments etc would remain the same. After paying 3 months at my regular payment amount of {$1700.00} during the transition period, the new provider suddenly goes up {$120.00}, now requiring a new monthly payment of {$1800.00}. 

This was NEVER discussed or disclosed during the loan acquisition process. When I called Fay to discuss, they said my escrow account was all of sudden " short ''. They then said it was outlined in an escrow analysis which I NEVER received. When I asked to please have it sent to me, I again NEVER received it. I tried again to call for additional information and the agents were no helpful AT ALL. 

Now to maintain my excellent payment history and credit, I am FORCE to pay an additional {$120.00} per month, that was not disclosed or explained properly. I feel whatever escrow shortage there may be should be worked with the previous lender that bought the loan from which was XXXX XXXX XXXX. They simply sent me a new bill with a new amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXXXXXX Balance : {$1600.00} This complaint will be a follow-up to notify you to fix the listed accounts immediately.