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

sent dispute letter out on XX/XX/2022 to the three bureaus transunion, XXXX, and XXXX, still not response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 

1. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : Please remove it from my credit report.
Product: Debt collection

While viewing my credit report i Saw a Debt collector account on my credit file for a Fidelity Collections, i have no knowledge of this company. 

I am asking that their information be first verified under the fir debt collection practice act, I have the right to request validation of the debt they say i owe. I am simply requesting proof that i am the party in question and that there is some sort of contractual obligation that is binding on me to pay this debt. This is not a request for validation or proof of my mailing address but rather a request for validation made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. i respectfully request that they provide me with competent evidence that i have any legal obligation to pay.
Product: Student loan

I joined the military. I was at boot camp for XXXX months. I didnt have any access to any technology to pay. It was against military law to have a technology at boot camp.
Product: Credit card

They have stolen {$1500.00} at this point. I REFUSE to pay them again. They stopped applying my payments halfway through the billing cycle and didnt send the checks back, they claimed the shred them. That money is not in my account and supposedly never hit theres. This is improper. They then asked me to send a duplicate payment to a different address with different account numbers and the persons who can barely speak XXXX assured me this was correct. Like an XXXX, I tried it. It has not been applying. They are racking up fees onto the account. Ridiculous. I am NOT paying this in XXXX
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I want to make it clear that this isn't just a minor error. The inaccuracies on my credit report have been weighing heavily on me, and they're affecting my life in ways I can't fully express. It's been an incredibly challenging time, and resolving these mistakes would be a huge relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report.

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, XXXX and TransUnion, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.
Product: Debt collection

Midland funding is not the original the original creditor and they are attempting to collect on debts that are WAY past the statue of limitations for the original debt. If this is not against the law it should be. I did not sign a contract with Midland or any of it affiliate to pay them, so why are they able to submit to the credit agency 's as the the original debt creditor. How are they able to submit this when the original debt is WELL past the statue of limitations for this kind of debt?
Product: Debt collection

The amount of {$980.00} was paid to XXXX. I did not receive any communication of debt owed to Enhanced Recovery from XX/XX/21 nor was I given the opportunity to pay the amount.
Product: Mortgage

Our loan originated with XXXX XXXX XXXX XXXX in XX/XX/XXXX. We continued to make mortgage payments and tried to contact XXXX XXXX with questions about the structure of our mortgage, only to find that XXXX XXXX XXXX took over the company. We requested proof from XXXX XXXX XXXX on mortgage ownership. They sent the requested documentation. After reviewing the mortgage documents, we noticed that both of our signatures were forged on some documents. Shellpoint Mortgage Servicing bought the servicing rights. now they have ignored our requests to send paperwork to support their claims of an fraud investigation into our case. They have pushed to Sheriff Sale our home XX/XX/XXXX. We paid our mortgage payments consistently on time every month on a 30 year interest only loan up until I lost my job. We are disputing the {$230000.00} amount stated in the letter sent by XXXX XXXX. Our records indicate that we owe less than 50,000 dollars on the home. Upon reading newspapers and seeing news reports, it was revealed that we were victims of Predatory Lending.
Product: Vehicle loan or lease

PENFED CREDIT UNION took funds from my account that was postdated for another day without my consent or authorization. I spoke with a representative at PENFED regarding payment arrangements with my account on XX/XX/XXXX. I informed them that I would make a payment to the account on XX/XX/XXXX. On XX/XX/XXXX, I received an email notification stating that funds were applied to the account in question. 15 USC states anyone who is collecting a debt is a debt collector. In addition, according to 15 USC 1692f ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument is a violation of the FDCPA. This is abusive and has affected me tremendously. ( see attachments )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made four attempts with Transunion mailing certified letters in which they have received to dispute inaccurate information regarding Dept of EdXXXX school loans + comments of late payments. First letter was delivered on XX/XX/XXXX, 2nd letter delivered on XX/XX/XXXX, XXXX letter mailed out on XX/XX/XXXX and last letter delivered on XX/XX/XXXX. Each letter states I have legal rights to receive proper evidence in whom was spoken too, names of each representatives, my legal signature, etc to prove these claims are valid. I have only received automatic responses with no changes in removing these late payments off my credit report. My credit reports state I have 100 % on time payments but with SIX derogatory remarks in which late payment were made. I am fighting to remove these accounts/statements off my report due to not receiving any legal evidence on these claims. I delivered the same letters to XXXX with complete resolution. XXXX  did delete the six accounts due to not providing any evidence. Transunion has been uncompliant.
Product: Credit card

I opened a capital one quick silver card with the promo being spend {$500.00} in three months that I would get {$200.00} bonus. 
Well I never got it. Called them two different times and they said sorry while you were applying we switched the offer on you. I was like I didnt see any offer being switched. 
So I told them to cancel the card just forget about it. Terrible customer service. 
They must scam lots of people this way. 
Shame on you capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report negative information on my credit report that is fraudulent and does not belong to me. They are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This is my second attempt to amicably resolve this issue with TransUnion not abiding by the FCRA. I am a victim of identity theft and entrapment. I have submitted my police report, FTC report, and my complaint to TransUnion. According to FCRA it is imperative that the credit reporting agency block and remove all items associated with identity theft from my TransUnion report within 4 days. I submitted my original complaint with the CFPB ( XXXX ) and it was received by TransUnion on XX/XX/year>. It is now XXXX business days later and they have not did anything. I need TransUnion to treat me fair and block and remove all information immediately. 

I have attached the original dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached Screenshot proves XXXX  reported to Equifax {$0.00} balance due but they will not update my credit score, I need to help family get loan for XXXX Please ask them to update my credit score
Product: Debt collection

I have repeatedly asked Capio Partners to stop calling me. They have not. While they do hold an old debt of mine ( from 2021 ), they call each weekday -- despite me telling them to stop numerous times when I pick up the phone.
Product: Debt collection

Hello, Please refer to case # XXXX I filed a complaint with CFPB back in XXXX XXXX 2015 regarding XXXX accounts, In which they did not respond. I have sent another letter to North American Recovery with again no response. I am filing another complaint as this is unacceptable. Please review this and take appropriate action. 

Original complaint : Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX at XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX  and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}
Product: Mortgage

I have a mortgage with Land Home Financial Services since XX/XX/XXXX. I got injured on my job in XX/XX/XXXX and have been off work on XXXX since I got injured. I became delinquent on my mortgage with Land Home Financial Services in XX/XX/XXXX. I completed an application with the XXXX XXXX XXXX. at Land Home Financial Services in XX/XX/XXXX. I have called Land Home Financial Services on numerous occasions to inquire about the application status. I've been told the underwriter, XXXX and XXXX will look over my application and give me a call. I haven't received a telephone call back or any communication from Land Home Financial Services in regards to the status of the application. I submitted an application with the Illinois XXXX XXXX XXXX for a XXXX  XXXX on XX/XX/XXXX. I have called Land Home Financial Services XXXX XXXX for a letter from the Loss Mitigation Dept with the status of my application to provide to the XXXX. Land Home Financial Services has failed to provide the requested information. XXXX has given me XXXX days from XX/XX/XXXX to submit the letter from Land Home Financial Services or they will close my applicant and I will lose my house.
Product: Debt collection

Checked credit report and see there is a new collection added to report. I haven't received any correspondence of a debt to dispute and have never dealt with this company. I don't have any contracts or legal obligations to this company. Please provide proof of validity. Delete from my credit report
Product: Debt collection

Called this morning before XXXX. Refusing to leave message or commicated as asked mulitple times though email, secure message, or mail. They have also several times changed my contact infor with out my permission
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. 
I've sent several letters to National Credit Adjusters ( NCA ) regarding the accuracy of the {$240.00} collection on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account but NCA hasn't responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALTISOURCE SOLUTION I DONT KNOW WHO THIS COMPANY IS AND FRAUD I DONT KNOW WHY THEY ON MY CREDIT REPORT WHEN ITS FROZEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I set my XXXX XXXX card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Product: Checking or savings account

The reason for my complaint is because Navy Federal closed my checking and savings account due to I was force to open a {$5000.00} loan. I was a victim of fraud/scam and was force by two man to open the loan because I told them I have good credit. They advised me that they work for Navy Federal and they can help me open a checking and saving account and after that they force me to open up the {$5000.00} loan. I cancel the loan due to I was force. I filed a police report regarding the whole situation. The reason why my story kept changing is because I was scared of the men. They know where I live because they seen my address when I was doing the application. I still have not received my {$10.00} that was deposited in the savings account but they can keep it if I'm able to open up new checking and savings account. I would also like the hard inquiry removed from my credit report for the loan since I was forced. I shouldn't of trust those man but I believed them. I'm able to go in the branch and open up a new checking and savings account with my moms XXXX I live with my mother and she is a XXXX veteran. Thank you for your time. Have a wonderful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern Im a customer of citi card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX  university XXXX Florida . Im a working class so I believe Im being discriminated against, then citi card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/Marathon Visa Account number, XXXX. is a fraudulent account that was opened in XXXX, XXXX by someone using my person information without my authorization or knowledge, This is being reported on my XXXX XXXX XXXX. 
The address that was used to fraudulently Apply for and open this Comenity Bank/Marathon Visa is not my address, nor have I have resided at that address, nor do I know anyone who resides at that address which is located more than XXXX miles away from the address I've resided at for more than 22 years, XXXX XXXX XXXX  XXXX XXXX XXXX, Florida XXXX XXXX I have filed a Police Report, Filed out an " AFFIDAVIT OF IDENTIY THEIF '', provided documentation proving that I've never resided at the address used to apply for and open the fraudulent account, proven that I've lived at the same address more than XXXX miles away in a different city, in a different county, and have no ties to the address that was fraudulently used to apply for an open the Comenity Bank/Marathon Visa . Comenity Bank/Marathon Visa refused to remove the account from XXXX XXXX XXXX claiming that they can verify the phone number, which was already proven to be a fraudulent account by XXXX, and not mine. As well as claiming I made payments on the account, which I didn't I have repeatedly asked for proof of this documentation, yet Comentiy Bank/Marathon Visa refuses to provide any information to me too support their claim that the account belongs to me, which is doesn't. 
Comentiy Bank/Marathon Visa charged off the account in XXXX, then sold it to a third party, XXXX XXXX XXXX XXXX who in turn dismissed the matter agreeing with me that the account was fraudulent. Unlike Comenity Bank I have provided documentation to support my claim of Identity Theft.
Product: Credit reporting or other personal consumer reports

Notifed company of possible identity theft due to data breach but now I seeing a lot of inaccuracies on my credit report.
Product: Debt collection

I checked my credit report and notice that there are two collection agency calling for same amount. When called to let them know I do not owe thos debt both wakefield and associates and revenue recovery are the same company with different names on my credit report. Today I am now served being sued by the original creditor for {$380.00}. Who do I pay? how is debt now {$1100.00} ( XXXXx3 ). If I pay both collection agency as well as creditor. This is against the law. I have now lost a total of 60 points on my credit report for a debt I do not owe.
Product: Checking or savings account

I was a Wells Fargo account holder and they were overcharging fees on my account.