23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint submission is in regards to a false credit report by ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative whose name is XXXX XXXX was extremely aggressive and stated they will not cooperate in a Debt Validation Request. The representative continued to deny my request on information regarding the account. I then made another attempt and I was finally provided with the Fax number and mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/XXXX of 2023, was confirmed through FAX and CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, ( CAVALRY PORTFOLIO XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by CAVALRY PORTFOLIO has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and CAVALRY PORTFOLIO is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
Product: Credit reporting or other personal consumer reports

I am a victim of FRAUDULENTLY REPORTING OF ERRONEOUS INFORMATION. XXXX and Transunion are still reporting inaccurate information from XXXX XXXX XXXX XXXX on my credit report. Company is in direct violation of 15 USC 1692e False or misleading representations. I have EVIDENCE from the CFPB website that XXXX has already removed the account from my credit report for the violation of 15 USC 1692e. CFPBCOMPLIANT # XXXX. Pursuant to the Fair Debt Collection Practices Act. 15 USC, Sec. 1601 et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. These claims are bonded and under the mandates of Article VII of the Bill of Rights.
Product: Debt collection

this account is clearly fraud and needs to be removed from my credit file i have had to deal with this for quite some time .... they continue to report this even after it is clearly not my account my information was used to open this account i have listed it on my police report and notarized id theft affidavit concerning this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

They 'd call me XXXX times a day anytime from XXXX to XXXX, leaving threatening voicemails and just being plain rude. I 've asked them to stop calling but they kept calling even after speaking to a supervisor.
Product: Credit reporting or other personal consumer reports

I was informed by several different entities that my personal information was involved in a data breach.
Product: Credit card or prepaid card

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no ) 281 SW 715,719, I pressure that no proof of the alleged! debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit card

I called Truist customer service on XX/XX/XXXX because I noticed several fraudulent charges in my credit card account. The Truist representative that I spoke with told me that he was closing the credit card account and that Truist would be mailing out a new card that day. The representative also told me to cut up my credit card and throw it away. On Monday, XX/XX/XXXX, I called Truist customer support because I realized I never asked when my new card would be arriving and I had already shredded my old credit card as the previous representative had told me to do. The representative I spoke with on XX/XX/XXXX informed me that the card was being shipped express, via XXXX  and would arrive in XXXX days. When Friday, XX/XX/XXXX came around I called Truist again and the representative I spoke with that day told me that the new credit card had just been shipped out that day with express shipping, via XXXX  and would arrive in XXXX days. So by today, XX/XX/XXXX, I have truly run out of patience. I called Truist again, and the representative I spoke with today told me that the card was not shipped express via XXXX  ; it was shipped with regular ground shipping and would arrive XXXX days from when I initially called. I asked if the other XXXX representatives were both lying to me about the express shipping and this representative said yes, and that " they '' would be looking into it. I find it hard to believe that XXXX representatives lied to me. But I've now been without a credit card for over a week and have had to use my debit card for every purchase which I can not afford to do in today 's world.
Product: Credit card or prepaid card

My husband passed away on XX/XX/XXXX. He had an american express business account and while trying to resolve his balance with estate services I requested his XXXX statements to be sent to me so that I could file his XXXX taxes. American Express will not send the statements. I have requested that the statements be sent twice ( ( XX/XX/XXXX and XX/XX/XXXX ) twice and they tell me each time that they can't tell me if they have been mailed since they can't see this in their system. I asked that they be sent via email then. They told me that they can't do this. I asked if this was because we have a balance that is being disputed. They told me I was not responsible for the balance left on his corporate card, but that it might help if I paid the balance off. I asked to speak to a manager about why they can't tell me if and when the statements had been mailed. They told me the manager was not available and they would leave a message. I have not heard back from anyone. I also asked if there was another department that I could speak with that could give me more information, I was told no. I think I am getting the runaround, which is awful considering that my husband was a loyal cardmember since XXXX and now they are trying to squeeze me right after his death.
Product: Debt collection

I XXXX XXXX XXXX a certified/registered letter on XX/XX/2022 requesting all paperwork in regards to my account. I would like the loan contract and application that was submitted for car. I also request alleged information that is being reported on my credit report. I'm showing {$9.00}, I would like to know how this about was computed. As a right of mines I would like this alleged information being reported
Product: Debt collection

In XX/XX/2020 I visited XXXX XXXX and was subsequently billed for my visit. After subtraction of insurance paid portion, I was then put on a payment plan with the hospital, which I am currently paying for as of this date as well. In XX/XX/2020, the hospital was hacked in a breach and patient information was taken. A couple weeks after being notified of the breach by the hospital, I received a fraudulent bill in the mail. It contained similar services but inaccurate charge amounts for each service. I alerted XXXX and they confirmed that the only money I owed to them was from the online payment account i have with them and was told to ignore the fake bill sent to me by a third party. In XX/XX/2020, my credit report showed that these chargers were sent to collections. The inclusion of this item on my report is against the law. I have sent many letters requesting verification of the charges. My request go ignored and they continue to report this fraudulent debt to the credit bureaus!! After submitting a dispute with XXXX  they determined that it was fraud and took it off my report but the collection agency continues to report this fraudulent debt to the XXXX  and XXXX. These two agencies refuse to look into the matter and tell me to contact the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX before it was Navient and I was placed on a long deferment due to a XXXX  XXXX marriage I was living in. I had to stop school in XX/XX/2011 out of fear of my husband locating me. I was placed on deferments. On my credit report I have 60 days late 90 days late and 120 days late around the time if my deferment. Now I 'm on a deferment and the balance is still going up. I would like to have these late payments deleted due to being on a deferment st that time.
Product: Debt collection

I have on my credit report a collection item for {$200.00}. It shows MG Credit. I am requesting to be provided with a notice with my right to dispute the debt or request validation. I do not know what this item is for. this is in violation of the FCRA. I was never contacted in any way and I want a complete validation to be sent to me showing that I owe this amount and what the amount is for. A breakdown of how the charges came to be {$200.00} and that I agreed to pay this amount. While this account is in dispute it must be removed and proper notification be given and complete validation
Product: Debt collection

A woman called me from XXXX XXXX who said she was asked to contact me about an old debt from a bank for a credit card. They claimed to be a recovery agent and said if I did not arrange to pay right now then I would be sued for over {$3000.00} for a {$350.00} debt that they claimed was {$310.00} so first they were wrong about the amount owed. I asked them if I could have time to contact the original creditor and to investigate the information and they told me no, that this was a one time offer to settle the debt. They said they were seeking around {$950.00} but could probably settle for the original amount owed. Again red flags went up. Most debt collectors will settle for less than the original amount owed instead of three Times the original debt. They wanted to send me an agreement that I would insert credit card information over through email and I would make payments to them to pay off this debt that is owed and it would be removed from my credit report. They sent an email and it was from XXXX and it wanted me to include all of my information and credit card information. It listed their company name and address on the document. I then, feeling suspicious due to the nature of the call and threats made I contacted the original debtor ( the bank ) which gave me the information of the company that bought my account from them and who I now owe for the debt. I called the creditor and they then proceeded to tell me that they knew nothing of this company and they didnt work with them as a recovery agent. They advised me to not speak to them and to only pay my debt to them or a company they work with, but to always call them directly and if its not then they will give me information on who to contact to pay the debt. They offered me a settlement of half the original debt just under {$200.00} and told me Im able to go online and make other arrangements as well to pay it. I then contacted XXXX  directly and asked them if this original debt was under any other collector aside from the original creditor or the creditor who the bank sold my account to and they said no. I also checked my credit report for all three credit reporting agencies and it was indeed only listed under the original creditor and the creditor company that bought the debt from them. I then called XXXX XXXX back and they laughed at me and told me the credit bureaus werent accurate and must not be updated. They also told me my creditor mustve sold it to them and still show I their system that it hadnt been sold yet, however this is a lie because the creditor was able to provide me with up to date and accurate information. They told me to be expecting a court date as they will proceed with legal action against me. This company is a scam and they are trying to obtain credit card information from people to steal money claiming to be collecting a debt by threatening a lawsuit of sum of money significantly larger amount then the original debt that they do not even have the correct information on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from Equifax that were unauthorized. Equifax do not want to investigate in to the situation for me
Product: Credit card or prepaid card

I made a reservation for travel with a company named XXXX XXXX XXXX  in the amount of {$3500.00} for XX/XX/2020. Given Covid we were unable to travel and due to merchant unresponsiveness filed a merchant dispute with American Express. Full amount was credited back to my account in XX/XX/2020 and was told to consider the settlement final within 69 days. 

Now, 6 months later American Express billed me back {$1900.00} after the matter was considered final by me and the merchant. Please help. American Express is not responding to this merchant dispute issue
Product: Credit reporting or other personal consumer reports

I have submitted a dispute four times for an account to be removed from my credit report due to inaccuracy. Each time Experian said they verified the account and the account is correct. Per my credit report it is showing the account for XXXX XXXX was open on XX/XX/XXXX however the payment history based on my credit report didnt start until XX/XX/XXXX ( a 30 month reporting difference ). The payment history is incomplete and inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate charge-off status on my credit report. Despite my diligent efforts to resolve this matter and bring it to your attention, the charge-off entry remains unjustly impacting my creditworthiness. 

I provided comprehensive documentation and explanations to demonstrate that the charge-off was incorrect and should be removed immediately. However, to my dismay, subsequent reviews and investigations by your agency have failed to rectify this issue, leaving the charge-off entry intact. 

The presence of this inaccurate charge-off status severely undermines my creditworthiness and financial credibility. It unfairly represents my credit history and financial responsibility, leading to adverse consequences such as higher interest rates, difficulty obtaining credit, and hindered financial opportunities. 

I urge your agency to take immediate action to rectify this matter. Specifically, I request that : The erroneous charge-off entry be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
XXXX and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. 
I emphasize the urgency of resolving this issue, as it continues to unfairly impact my financial well-being. I am asking for your assisstance to remove these accounts fraud in my credit file XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is report a collection. I want this erroneous information remove from my account immediately.
Product: Bank account or service

We were charged {$64.00} in overdraft fees for transactions that occurred on the same day. One transaction was for {$7.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a claim against Experian for violating the Fair Credit Reporting Act ( FCRA ), specifically SECTION 609 which states they must send me a copy of my original contract I signed or delete. Despite numerous disputes and requests for verification, Experian has failed to provide me with the necessary documentation to verify the accuracy of the information on my credit report. I have attached copies of my disputes, along with proof of delivery, which were sent to Experian on the following dates : - XX/XX/XXXX- XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. None of these disputes received a response within the required 30-day timeframe. The only response I received was to the dispute sent on XX/XX/XXXX, which was responded to by mail on XX/XX/XXXX. However, this response still failed to comply with my dispute and provide the necessary documentation. Furthermore, despite the lack of verification, Experian has failed to remove the negative items from my credit report, as required by law. Instead, Experian has taken retaliatory actions against me for exercising my rights under the FCRA. Specifically, Experian has : - Changed the negative dates on my credit report to make them appear more recent - Added additional delinquencies to my accounts These actions appear to be a clear attempt to punish me for disputing the accuracy of the information on my credit report. This is a blatant violation of the FCRA and my rights as a consumer. Furthermore, Experian has 11 delinquencies to XXXX XXXX, which clearly shows their retaliatory actions. I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and hold Experian accountable for their violations of the FCRA. I also request that Experian be required to provide me with the requested documentation, correct any inaccuracies on my credit report, remove the unverified negative items, and cease any further retaliatory actions. Thank you for your attention to this matter. 

Enclosures : - Copies of disputes sent to Experian with proof of delivery - Response from Experian dated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2010 I was a victim of identity fraud by an estranged spouse, now ex-spouse. I was a victim of domestic violence. I filed a police report and filed a request with the three Credit Bureaus to have a lifetime Security Freeze placed in my credit files. In the last 90 days I have had need to have an Experian report pulled to obtain housing and, most recently, to obtain employment. When the inquiry was made to obtain housing I was contacted by the landlord and told I needed to have Experian lift the freeze temporarily to get approval. I called Experian to make the request but was told that I would be charged to lift the " free lifetime '' freeze. I escalated my request but was told by offshore people that unless I paid the fee my freeze would not be lifted. To move forward with my housing application I had no other option but pay the extortion. This week I was offered a job. Today I received a call from the employer saying that I needed to have the freeze lifted by Experian to complete my background check. I now face having to pay the same extortion to Experian so that I can obtain employment. How can Experian extort money from those who were given a " free '' freeze because of circumstances dictated by law? This should be illegal and it is immoral. Please help me and many others facing this same scenario by making Experian comply with the free lift based on the laws.
Product: Student loan

I am a co-signer on my son 's student loans that he has with XXXX  XXXX XXXX XXXX. He graduated in XXXX of XXXX and his payments will convert to principal and interest payments next month ( XX/XX/XXXX ). I received a billing statement dated XX/XX/XXXX with a total amount due of {$250.00} for one of his loans. The payment for XXXX should be {$98.00}, not {$250.00}. I called XXXX XXXX on XX/XX/XXXX and spoke with customer service rep XXXX. She stated that they had an error in their system and sent out incorrect billing statements to their borrowers. She stated that the statement I received showed the payment due for XXXX AND XXXX but that I only needed to pay {$98.00} for XXXXXXXX XXXX payment. I asked her if they would be sending out a corrected statement because I was not comfortable shorting the payment due that was on my statement with concerns it might affect my credit. She said that XXXX XXXX would not be sending out corrected billing statements and that is how they are dealing with everyone that received an incorrect statement. She stated that I was incorrectly billed for 57 billing days instead of 30 billing days.