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

I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit XXXX15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting or other personal consumer reports

The debt is with bridge crest. The debt is not mine. It is of my ex husband. I am tired. I let the debt stay. The debt is in a charge off status and bridge crest has provided me with a letter stating that the status of the loan is in charge of status since XX/XX/XXXX. XXXX and XXXX stated that even though I provided the letter that came from bridge crest stating that the loan is written off, they will not place the correct status of the loan as written off. Both XXXX and XXXX states that it is not their job to correct the fact that bridge crest is reporting this wrong to their credit bureaus. XXXX has decided to remove it as they refuse to report incorrect information. I cant make the credit bureaus validate the information so i sent a packet of 14 pages advising them of my rights to have actual and factual credit reporting. they said if bridge crest keeps reporting it to them they will keep reporting it incorrectly. I have been made fun of, spoken to rudely because i simply want XXXX, XXXX and bridge crest to report that its charges off as stated in the letter bridge crest sent to me. While I will be addressing this later in a lawsuit against all listed. This is causing to my detriment a stop in me getting a mortgage. Please help me at ; least get the fact that this loan is charged off. I have been going at this for months. I need a speedy response with this as i may stay homeless a little longer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX fraudulently created an account during a dispute and reported it to TransUnion. They failed to notify TransUnion of the dispute within the required timeframe under the Fair Credit Reporting Act ( FCRA ), failed to mark the account as disputed, and furnished inaccurate information. 

Despite providing evidence, including an allonge that alters the note and was illegally used to validate a debt, TransUnion did not conduct a reasonable investigation or remove the fraudulent account from my credit report, as required by the FCRA. These violations are causing harm to my financial well-being. 

Please see Notice of Dispute attached.
Product: Credit reporting or other personal consumer reports

My credit report has inquiries I don't recognize nor applied to, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Debt collection

I have been trying to work with the original credit card company and asking to settle for only amount owed with no fees or to do a pay to delete. This company says they are working on their behalf so I asked about a pay to delete and have received no word. It appears the company has changed again as well.
Product: Credit card

My card got stolen and now im stuck trying to pay off XXXX and even though i didnt spend the money on the credit card they keep charging interest fees n late fees everytime i put money in the account. I already closed the account and tried to speak to people who work there many times and no one is helping me. I keep getting the same run around that no one can do anything or help me
Product: Payday loan, title loan, or personal loan

I have disputed this loan with cash express as a precaution as I had a couple other payday loans that were taking out in my name, and I just want to verify that this was indeed me as a safety precaution. I requested on XX/XX/XXXX for information to be mailed to my address of XXXX XXXX XXXX XXXX XXXX KY XXXX. Which has been my address since XX/XX/XXXX. Instead of mailing me the information, I received notifications from lawyers that cash express filed a lawsuit against me, Under an address that I have notified cash express that I do not live at. Disclosing information to a family member. I then called cash express at the end of XXXX and they told me that they supposedly emailed me the information i requested however i have search and chatted with XXXX and they are not showing that an email was sent to my email of XXXX. I then spoke to XXXX in compliance who told me that he would Mail me out the information that I requested. Instead I got a letter today that tells me that I need to file a police report and provide them with my identification before they provide me with any of the requested information, why would I file a police report on something I am trying to verify before I verify it. They also told me that they will not update my address until i do so as well, which means that information will continue to be sent to a third parties house that I do not authorize. I have never had an experience like this in my life. This situation has caused me serious stress and frustration. At this point I do not believe cash express is exercising my rights as a consumer and clearly has something to hide as they will not release the validations of debt to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against Experian and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which has resulted in financial harm. Despite my formal dispute and demand for immediate correction, both agencies failed to investigate and correct inaccurate, unverifiable, and outdated accounts on my credit report. Their continued negligence has led to denied credit card applications, auto loan rejections, and higher interest rates, all of which have caused me undue financial distress.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Additionally, per 15 U.S.C. 1681s-2 ( b ), furnishers must verify the accuracy of the accounts ; failure to do so mandates their immediate removal from my credit file. Despite these legal requirements, Experian and Equifax have failed to act within the timeframe prescribed by law.

I provided both agencies with a formal dispute and a five-day demand to resolve this issue, yet they have not complied. Their failure to uphold federal compliance is not only a violation of my rights under the FCRA but also indicative of a pattern of negligence, as demonstrated by their recent lawsuit for similar violations.

I am requesting the CFPB to intervene and enforce the immediate and permanent deletion of these inaccurate accounts from my credit file. If this matter is not resolved promptly, I will pursue legal action under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking statutory damages, punitive damages, and attorney fees for their willful and negligent noncompliance.

Please provide confirmation of the steps being taken to address this complaint. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

P & B LLC CALLED YELLING AT ME THAT I OWE A DEBT THAT WAS PAID OFF YEARS AGO. 
THEY ARE THREATENING TO SUE ME. 
THEY REFUSED TO SEND ME PAPERS OR DOCTUMENTATION IN THE MAIL. THEY STATED " WE ALREADY SENT IT ONCE WE WONT DO IT AGAIN '' THEY CALLED FROM AND AZ NUMBER AND THEY ARE LOCATED IN NY. THIS IS ROBO CALLING. 

This is a scam. 
I do n't owe anything. 
There are hundreds of blogs about them doing this to other people and they should be shut down. 
The address given is as followed.
Product: Debt collection

Dear Sir/Madam : I previously filed a complaint against this same company for the exact same debt. 

It was resolved by the company sending communication stating and admitting that the debt was completely resolved and nothing further was owing. 

The complaint previously filed and ruled in my favor is XXXX. 


I am incorporating that entire complaint herein by reference. I am also including by reference all of the documents which were previously submitted and answered by Ally. 

They claimed there was no fraud. However, the following has occurred since the closing of the complaint referenced above : 1 ) Complaint filed ; 2 ) Ruled in my favor and admitted by ALLY it was paid in full ( as I originally stated ) ; 3 ) Yet - after they admit I owe nothing, they have CONTINUED with debt collection and added further illegal interest to a debt that is not owed.

Thus, it certainly seems like fraud where they answer your governmental division that I owe nothing and then continue to proceed to add more debt and further collect on a debt that I do not owe. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX HUNTER WARFIELD To  Whom It XXXX Concern : This letter is being sent to you in response to CFPB COMPLAINT : XXXX sent to me on ( XX/XX/XXXX ). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request tha tyour offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action mightconstitute fraud under both Federal and State Laws. Due to this fact, if any negative mark isfound on any of my credit reports by your company or the company that you represent I will nothesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Payday loan, title loan, or personal loan

I obtained a loan from Synchrony. 
I pay it monthly, but the problem is, if the due date falls on a Saturday, and the only option they allow is mail in or call in payment, if I call on a Saturday, the automated phone system does not work, and when I call back on Monday, I get assessed a late fee. 
This happened to me once. 
To avoid this I called and requested that they withdraw monthly from my checking account to avoid paying late fees and they refused over the phone, said I needed to submit a written request, which I did, through certified mail, on XX/XX/2020. 
To this day, the request has not been put through. Every month I believe the request has been submitted, and each month I receive a call indicating that the payment is late and a late fee will be assessed. That request was submitted via USPS, certified mail, and I have proof it was sent to : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I need for the late fees to be reversed, for the automatic payment to be put through and for these to be corrected in my credit report. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter last month on XX/XX/2023. I told the credit bureaus to investigate every information on the accounts I have listed below. Also, I have attached the letter I sent out. 

According to the FRCA the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, all information on these accounts is still not reporting 100 % accurate. According to the FCRA 15 USC 1681- everything has to be 100 %. I have the credit report showing the inaccuracies. 

Listed as follows- XXXX- not mine- not verified! must be removed! 
XXXX XXXX XXXX-Account # XXXX not verified/ not accurate- must be removed! 
XXXX not mine/ not verified! must be removed! 

Inquiries- Must be removed- never approved by these companies. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer of XX/XX/XXXX I was denied a mortgage loan due to inaccurate information reported from the credit bureaus. My report displayed a collection bill from XXXX XXXX XXXX, XXXX XXXX stating that I have charge offs and open accounts. In the past I did have an installment loan with this company, but that account was paid as agreed upon with no issue. I reached out to XXXX XXXX and was given no proof of an open or unpaid account with them. When I mailed validation letters to the bureaus to confirm this debt nothing was sent other than a statement that this company has provided them proof of this debt. On XX/XX/XXXX I sent another round of letter to the bureaus and this time Experian is stating that my certified typed letter with a copy of my social security card and drivers licence, notorized by XXXX XXXX XXXX was not legible. I'm at my end. Please help me
Product: Checking or savings account

I tried making a purchase at XXXX  I have made purchases before from this website using my account. 
My card was declined. 
I then received a text message asking if this charge was fraud. I responded that it was authorized. I tried the purchase again. 
My card was declined. 
This is not the first time my own money has been denied me by my bank. USAA has, on numerous occasions in the past, shut down my card without warning because of legitimate purchases, leaving me without funds. 
I called USAA about XXXX on the date in question and spoke to XXXX in the Fraud Department . I wanted to make the purchase because a website sale was ending tonight. 
She could not help me. She asked if the purchase was legitimate and I said it was. I also confirmed several recent purchases, such as gasoline and a XXXXXXXX trip. There were XXXX fraudulent purchases. She could not explain why my money was being withheld from me. 
She went so far as to suggest that I use a different service, such as XXXX or XXXX, to use my own money. 
So my bank will allow XXXX to withdraw my funds from my account, but will not allow me to use my own money. 

She finally said that I would be unable to use my card, or make any purchases with my money, for 24-48 hours, until a " review '' had been done of my purchases. The purchases that I verified with her on the phone. Those purchases. 

Again, this is not the first time the bank has withheld my own money from me for an extended period. How am I supposed to buy groceries tomorrow when my card doesn't work?
Product: Debt collection

On XXXX, I tried accessing my bank account and noticed an amount of {$4400.00} was withdrawn plus a {$120.00} bank levy surcharge. After speaking to a rep of XXXX XXXX they told me that I had a restraining supeona that stated I owed {$2200.00}. XXXX served to them from a debt collector known as Forster & Garbus LLP. They gave me a number to contact the company in which I did. I finally got through to a live person on Tuesday after leaving voicemails prior and was told there was a judgement from a XXXX XXXX bank from 2011. I then told them I was never served or had a debt with any one from XXXX XXXX XXXX. XXXX XXXX at Forster & Garbus said it was from a prior attorney, in which they got the info. I have been asking for proof of this judgement for over a week as to I need to access my banking and XXXX XXXX  will not release the funds until they respond to them. I received a notice in the mail in which XXXX XXXX  received from Forster & Garbus which states its from The People of The State of New York. Not a true subpoena, as this was not served to me at all from any sheriff in NY and which was never served to me. When I asked for proof off the so called judgement I was told they are waiting on another law firm to get them that info. They do not have it. At this point, XXXX XXXX  is holding my money and taken away all my banking privileges and I have no proof of any judgement in which the company Forster & Garbus is stating that there is on me from a debt that shows a date of 2011. How can Forster & Garbus put a complete bank levy on my accounts with no paperwork or proof of debt? I need help in freeing up my bank funds as my paycheck goes into this account as well as bills bouncing that are set up to go through the account electronically. Please let me know if I can send a copy of the bogus debt collectors subpoena as it was never signed off from the courts.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$8900.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX Balance : {$2600.00}
Product: Credit card or prepaid card

On XX/XX/2023, I contacted Barclay concerning lowering my payment or interest rate for at least 6 months due to financial hardship. I received a call from the corporate office informing me that they do not have any programs available to assist me. I informed the company that I would not be able to continue to pay the full amount due. In XXXXXXXX XXXX, I paid them {$100.00} instead of the {$160.00}. After receiving the XXXX payment, I began receiving calls from Barclays informing me that they now have a program. I asked how long has this program been in assistance and was told that they have always had this program and others. They informed me that my account would be closed if I accepted the program. I requested that they send me the information so that I could read the terms and conditions of the program. I was told that I could not receive the information until I had agreed and paid the initial payment. I called today, XX/XX/2023. I was told by a lady in collections that she was filing a grievance on my behalf because of what I stated in this complaint. We got disconnected before I could receive any complaint details, and I didn't receive a return call. Barclays reported my account 30 days delinquent for {$64.00}. They received a payment last month. However, they are reporting my account as if they did not receive any payment. I can not receive any straight answers from this company. I have always paid my bill every month on time until XX/XX/2023. It is a disservice to customers with excellent payment history, not to receive any assistance when requested, and for the company to lie and state that there are no programs. I wish that I had never gotten this card.
Product: Mortgage

When my mortgage was transferred to PHH from Ocwen, I had problems getting their website to accept payments and I missed a couple. I then contacted the company to request a modification as 7.5 % is too high. With the previous mortgage company, I had paid XXXX in additional principal, and had never missed a payment. The mortgage number is XXXX. 

Anyhow, this modification dragged on, and I just called to see if I could make some payments and they said that they removed the modification and moved this into foreclosure. This is something that should never happen. 

I would like for them to give me relief, as my business has had issues due to the COVID-19 emergency, but I do have the means to keep these payments current. 

Thanks! 
XXXX XXXX
Product: Credit card or prepaid card

Hi,The person from XXXX came to fix the hard drive to us on XX/XX/2019. From the next day of his visit, my XXXX account was hacked by someone. Someone hacked our XXXX account and our identity and then started to use our accounts and made a XXXX XXXX, opened new checking and savings account. We filled a case with XXXX, Police station and added our account to https://www.identitytheft.gov/, Credit report and so on. We took all necessary actions and still, he's using accessing our credentials, I want to catch the person. But I don't know how to do. We have some information about him, I don't know how to track him. Please do the needful. XXXX XXXX Taken in my XXXX XXXX XXXX. Transferred to a savings account and transferred to his XXXX, then created he created new bank account on XXXX XXXX in my name and used this account for making a transaction. Also tried to open a account on XXXX with XXXX XXXX, it got rejected because id mismatch, he has used our old state id. later he changed our mailing address in USPS as per our old ID to use for further transactions, after changing the ID with a previous address he opened one new account with XXXX XXXX.We registered Identity Theft with XXXX on XX/XX/XXXX.But the recent transaction happened on after XX/XX/XXXX with XXXX XXXX