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

I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called sagestream llc NUMEROUS times as well as faxed, and certify mailed them my personal information regarding disputing negative information on my report that does NOT belong to me as well as getting a security freeze and I have not gotten a response.
Product: Debt collection

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX I spoke with a lady and asked to be sent a validation of debt along with the full payment history, her response was if you know it is your debt then why do you need this? I waited months and never received the requested forms. 

On XX/XX/XXXX at XXXX I request the same forms I also communicated with the guy about the above incident. He let me know he would send it up with a rush and I should have it in my email within XXXX if I do not to call back. I have requested these verification since XX/XX/XXXX it has been XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I started a short-term " Rent to own '' load with First American Finance , to purchase a couch. 

I was told in person and confirmed on the contract that I would be able to pay with any format of " Payment Card. '' I have used the card already to make prior payments. They are now refusing to process my payment, claiming that the card is unable to be used. 

I have reviewed my contract, and there is no limitation of the type of payment method that I can use, nor does it limit me to paying with a debit card. I have chosen to use my Credit card, as I have in the past. 

They are avoiding providing me a way to close my account, although I have attempted on multiple occasions to pay them the amount owed, with a payment type that is already saved to the account and has been used in the past. 

They are deceptive and hard to communicate with. They are denying my right to pay my loan in a format we are contractually agreed to pay with and which has already been used in the past. 

I would not use this rent-to-own partner for ANY reason as they are deceptive and this seems to be a clear issue with providing end consumers with deceptive offers, and a bait & switch methodology.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is trying to collect an alleged debt. They have violated my rights by calling, texting and sending people to my home at inconvenient times of the day and night. This is abuse according to the FCRA and the FDCPA. Also, the interest rate when added into the fiance charge is incorrect according to TILA.
Product: Credit reporting or other personal consumer reports

1st I am stressed and displeased that I see there is a XXXX  on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing XXXX and XXXX XXXX as of now. Please remove ASAP Upon speaking to the XXXX XXXX, they do NOT furnisher people 's information to XXXX XXXX so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my XXXX. I can't provide a good life for my children due to these falsified damages from the XXXX. I am XXXX!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing XXXX against this.
Product: Credit card or prepaid card

This complaint is about a {$150.00} statement credit stated in the promotional terms and was also confirmed by sears cardmember services in a letter that it will post to my account on XX/XX/17. But as of today that credit still hasn't posted.
Product: Credit reporting or other personal consumer reports

I missed XXXX Payments due to a situation during the XXXX XXXX XXXX. I have sent a goodwill letter to the CEO of and to XXXX XXXX to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the XXXX act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and XXXX XXXX.
Product: Debt collection

On XX/XX/20 I received an alert through XXXX XXXX that there was a change to my XXXX  credit report. I pulled my XXXX  credit report on XX/XX/20. There was a collection from Collection Bureau of Hudson Valley Inc, XXXX XXXX XXXX, XXXX, NY XXXX, stating the original creditor is XXXX. 

Prior to the credit alert from XXXX XXXX and prior to the discovery of this fraudulent account with Collection Bureau Hudson Valley ( CBHV ), I did not receive any correspondence from CBHV advising me of my statutory rights prescribed by the FDCPA. Specifically, CBHV deprived me of any and all rights under 809 of the FDCPA. As prescribed by the FDCPA, I am entitled to, at minimum, 3 basic & separate components : ( 1 ) Right to notice of the alleged debt, ( 2 ) Right to contest the alleged debt, ( 3 ) Right to verify the alleged debt. 

CBHV 's act of furnishing ( derogatory ) information to Equifax, without the required notifications and in compliance prescribed by 809 of the FDCPA, not only violates the FDCPA but violates various sections of the FCRA. 

Prior to reporting this fraudulent debt to my XXXX  credit file, CBHV had ample time to notify me under the requirements of the FDCPA. CBHV acquired my location information through XXXX  on XX/XX/20 via the inquiry listed on my XXXX Credit Report. The derogatory, fraudulent, and inaccurate information that was provided to XXXX  on XX/XX/20 states that CBHV was assigned this file on XX/XX/20. 

In addition, the derogatory information from CBHV that was placed on my credit report was a result of identity theft. Therefore, as an identity theft victim, and all the rights afforded to me, I sent Equifax a XXXX letter requiring them to block this fraudulent information within 4 days of receipt. Furthermore, on XX/XX/20 CBHV was in receipt of correspondence from me dated XX/XX/20, that the derogatory information they supplied to my XXXX  credit report is the result of identity theft. 

On XX/XX/20 I received a letter from CBHV that was addressed to my current address. CBHV addressed the letter to me in response to my ID theft letter, but they addressed the letter to me as " XXXX XXXX '' Please note, the name " XXXX XXXX '' is NOT a name variation that I use. 

I feel that CBHV knowingly, willfully, and intentially engaged in prohibited conduct by attempting to collect an alleged and fraudulent debt by reporting a derogatory account to Equifax, without first sending any required statutory notices or correspondence, required by 809 of the FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  

DEBT IS XXXX  THIS COMPANY NEVER PROVIDED PROOF OF THIS AND ITS REPORTING ON MY CONSUMER REPORT AND I WOULD LIKE IT REMOVED FROM ALL CREDIT REPORTING AGENCY

UNDER THE ACT OF 15 USC 1692 SEC 809 (b)
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter asking XXXX, Transunion, and XXXX to investigate my accounts. I have the tracking available at request. It has been over 30 days. These consumer reporting agencies are in violation. In accordance with the fair credit reporting act, my rights have been violated.

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 an account without my written instructions.

Furthermore, According to 15 U.S.C 1681i, XXXX, Transunion, and XXXX have 30 days to investigate and send me the results. 

They also didn't record the current status of the disputed information which is another violation. 

I have attached evidence of the letters sent to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$0.00} NC XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I sent this collection agency a debt validation request on two occasions because I noticed this alleged debt was reporting on my consumer files with XXXX XXXX and XXXX. my first request was sent XX/XX/2022 at the address specified on my consumer file Hunter Warfield Inc, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX with tracking number XXXX. The company received my letter on XX/XX/XXXX XXXX my second attempt was sent XX/XX/2022 at the address specified on my consumer files Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX with tracking number XXXX the company received my request XX/XX/2022. I have not received any correspondence back from this collection agency and I am beginning to think this collection agency can not provide the information I have requested from them to make this alleged debt valid and legal for me to pay, possible causing this account to be fraud. my first request I asked for validation of the debt. my second request I put there company on notice of the violations there committing by not responding or providing what I had requested from them. this collection agency still reports this alleged debt on my consumer files. I dispute the account with the XXXX XXXX and XXXX and the results they provide are either updated or verified. why is it that this company can respond to indirect disputes with the consumer reporting agencies but cant respond to my disputes directly? I was never notified of a initial communicantion before the debt was reported, I was never given a chance to dispute the debt, I still have not received any type of validation, notice of sale, a signed contract with my signature, or any type of communication from this entity, the reporting of this account was never ceased on my consume files after they received my validation request and until validation was provided but they continue to report on my consumer file. this is not fair to me I've already tried giving them two chances to respond and plenty of time to receive the information they have in there files at my contact address. if this collection agency cant provide the legal documentation to make this debt legally valid for me to pay then the reporting of this account on my consumer files is considered to be fraud until proven innocent.
Product: Debt collection

I am disputing this collection and explained that to XXXX different callers from this company. I asked them to not call again. Now they call at least XXXX times a day and then hang up. The last phone call they called, someone breathed heavily on the line, and then they hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX [ Credit Bureau Name ] [ Address of the Credit Bureau ] [ City, State, ZIP Code ] Subject : Fraudulent Account Dispute - Request for Immediate Removal of Vehicle Dear [ Credit Bureau Name ], I am writing to dispute the fraudulent account listed under my name involving the vehicle with XXXX ( VIN ) ] and .It has come to my attention that this vehicle was financed using a CPN ( Credit Profile Number ) that was falsely associated with my identity. 

Upon reviewing my credit report, I noticed that this account has been listed under my name and is affecting my credit score. I want to clarify that I have no knowledge of this vehicle loan and did not authorize or apply for credit using the CPN in question. This is clearly a case of identity fraud, and I am requesting that the fraudulent account be removed from my credit report immediately. 

To help with your investigation, I am providing the following details : Vehicle Information : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , if available ] Date of first notice of fraud : XX/XX/XXXX first discovered the fraudulent account ] I request that you conduct a thorough investigation into this matter and take the necessary steps to remove the fraudulent vehicle account from my credit file. Additionally, please send me a copy of the updated credit report after this action has been completed. 



Thank you for your immediate attention to this matter. 

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

To Whom It May Concern, I am extremely disappointed and frustrated to find negative items in my credit profile. It is simply unacceptable and outrageous that such baseless claims have been reported against me. I demand that you immediately remove any derogatory information about me from your records! These allegations against me are completely false, and I have yet to receive any substantial evidence to support them. Your report contains numerous deviations from mandatory reporting standards, which means that the information in it can not be accurate and complete. I am challenging you to provide me with documented proof that the information you have reported is accurate and in compliance with all the relevant regulations. According to 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ), it is your responsibility to furnish accurate and truthful information about me. You have also failed to conduct a reasonable investigation of my disputes. Any mistakes in reporting can seriously impact my reputation and financial standing, and I demand that you take this matter seriously. Your carelessness and unethical practices are unacceptable, and I expect you to investigate the validity of the inaccurate items in your report and replace them with accurate ones or remove them altogether. You must protect my rights and ensure that your reporting meets the highest standards of accuracy and integrity. I will not hesitate to take further action if you fail to address this matter properly. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now!

Listed below are the Personal Information that are being challenged : Incorrect DOB : - 1982 Incorrect Name : - XXXX XXXX XXXX
Product: Student loan

Sallie Mae has refused to recognize a 100 % XXXXXXXX XXXX  who is co-signer to fully discharge student loan when Federal Government supports the action. I am co-signer for my XXXX XXXX and have difficulty making payments. I was forced to retire due a XXXX diagnosis possibly from XXXX XXXX I am currently unable to work. I have tried working with Sallie Mae and they have been very uncooperative and at times disrespectful. 
There are 5 loans totaling {$210000.00} as of XX/XX/year>.
Product: Debt collection

The firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) has indicated they are suing me for a debt owed to XXXX XXXX XXXX. 

They filed the attached with the court claiming I owe the same amount to Bank of America. 

I am extremely confused as you can see XXXX 's internal index number ( their XXXX XXXX  ) is the same on both the summons and complaint for XXXX and the affidavit from Bank of America. 

I do not bank with Bank of America, have no history with Bank of America. 

In addition, I am disputing the debt from XXXX. 

It therefore seems that XXXX does not properly review their files, and this is evidence of this fact. They seem like they are some kind of boiler room for debt, trying to collect without any care for facts.
Product: Checking or savings account

On XX/XX/XXXX I went to TD bank Branch on XXXX XXXX XXXX XXXX DE with {$3000.00} cash and I used the ATM Machine To deposit my Money. The cash which was my pay By the way was in a form of Mixed Bills XXXX and XXXX bills. Since I already know that the machine won't accept that many bill at the same time so I decided to do two deposit consecutively. I made the first deposit with out paying attention to how much exactly it was, It went trough fine with no problem and the second transaction after I put the stack of cash in the machine that's when an Error occurred and the machine get stocked. I got a message asking me approximately how much was my Deposit? Since I wasn't sure I just Put a number {$1800.00} Hoping that whoever will handle the transaction will figure out how much it was. All I know at that time That I had {$3000.00} in Cash. When I Check My Account Later I found out that Indeed the first deposit was {$2100.00} so instead of XXXX That I put it should have been {$880.00}. I called them The next Business day to correct it. They Open a dispute case on my behalf and they tole me that they will Count the deposits in their defaulted Machine and let me Know. At the Mean Time they Gave me credit for my {$880.00}. I received a letter from them few days ago saying that the case was closed to my favor and no more actions will be required. I was Shock when i checked My account on XXXXXX/XX/23 to see that they went to my account and took the {$880.00} again Unjustly. Someone did not do his job Right. I'm sure If they had Counted their Money right in that Machine we wouldn't be having this complaint.

I Really appreciate your help resolving this matter. If I was really a bad guy or trying to cheat them I would have stick to the original Number That I put the first time which is {$1800.00} but Instead I was Honest and That's what I get because of My Honesty.

Please Help me resolve this Issue.

Respectfully Yours. 
XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I've incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company NAVY FCU was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.