23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have reached out to this company via certified letters onXX/XX/XXXX in which they failed to respond asking them to validate this debt. Then pursuant to the recent lawsuit against Santander, I was advised that Santander will be required to cease debt collection on my report due to litigation where Santander was ordered by the courts to pay {$65.00} XXXX to the 34 participating states for restitution for subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX and The settlement also includes significant consumer relief by way of loan forgiveness. My state of NC was one of those participating states under attorney general XXXX XXXX and my loan was also deemed eligible to receive complete forgiveness and relief from this debt. This debt is no longer owed, however upon multiple disputes, Santander continues to verify and validate this debt. This is a direct violation of my consumer rights and this account needs to be deleted from all of my credit reports immediately.
Product: Student loan

on dates XX/XX/23 and XX/XX/23 that is when they lied to me
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they were made without my permission, consent, inquires. XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Best Buy Citi Credit Card to request help due to financial hardship due to COVID 19 lockdown. They agreed to remove the {$29.00} late fee for XXXX and not assess late fees moving forward for XXXX or XXXX. However, they did not remove the XXXX late fee and in addition they DID assess late fees in XXXX for {$40.00} and XXXX for {$40.00}. 
I called and explained the situation to both a representative in the COVID assistance department AND a supervisor and they would not remove the late fees retroactively. They only offered to take off one late payment and begin the " program '' moving forward. I again insisted that this was already in place and that I should not been charged late fees in XXXX and XXXX and I explained to them that I now have unemployment and can budget to begin making minimum payments. 

I am requesting a refund of {$29.00} late fee charged on XX/XX/14, {$40.00} charged on XX/XX/14 and {$40.00} charged on XX/XX/14 for a total of {$100.00} payment credited back to my account. 

Those struggling the most during the pandemic such as those possibly convalescing in a hospital would have not been able to make phone calls to credit card companies to enroll in an assistance program. This is outrageous. That we are in lock down and NY since XXXX is a verifiable fact that is known worldwide! There is no deception here. If they are truly offering help then they should actually assist customers instead of playing dirty games. They are scammers and liars and they are clearly trying to minimize the amount of help they give by refusing to give these credits that they promised. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. 

I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. 

Your kindness and consideration is appreciated in this matter
Product: Debt collection

Sequium Asset Solutions is in violation of federal law. In my initial letter on XX/XX/XXXX requesting verification of the alleged debt they have placed on my consumer report, I stated " ASIDE FROM PROVIDING WRITTEN VERIFICATION OF THIS DEBT, do not contact me about this debt. The Fair Debt Collection Practices Act requires that you honor this request. '' In the letter, I also request that they cease reporting the account to credit agencies until after they have verified it, per federal law. 
On XX/XX/XXXX, I received another of many harassing phone calls from Sequium Asset Solutions. In response, I informed the representative that I have sent a letter requesting verification of the alleged debt, and demanded that Sequium Asset Solutions stop calling and contacting me about the debt until they have sent written verification. This is in keeping with the Fair Debt Collection Practicies Act, which states that upon the consumers request for verification, a collector must stop ALL collection activity until they verified it.

As of XXXX, Seqium Asset Solutions NEVER responded to this request, which is a violation of the Fair Debt Collection Practices Act. On XX/XX/XXXX, in response to my complaint to the Consumer Financial Protection Bureau, representative XXXX XXXX from the Corporate Compliance Office LIED in her statement that this account has been closed due to a cease and desist order. As a corporate compliance officer should know, asking not to be contacted until verification has been sent is not a cease and desist order. 
The likely reason that a cease and desist order that I DID NOT IMPOSE has closed my account, rather than providing the requested verification of the debt is because NO SUCH DEBT VERIFICATION EXISTS. In a sloppy effort to conceal the fact that they are knowingly collecting debt that has not been verified, Sequium imposed a cease and desist on my account to escape their legal responsibility for procuring verifiable documentation. Sequium Asset Solutions has been FRADULENTLY collecting on and alleged debt that I do not owe. I will also be submitting a complaint with the federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit reports provided by XXXX, Experian, and XXXX. After reviewing the reports, I have identified several inconsistencies that I believe require immediate attention and correction. I kindly request that you investigate and rectify the inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Details : XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX XXXX XXXX : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccuracies and Potential FCRA Violations : FCRA Section 605 ( a ) ( 2 ) - Reporting Accurate High Credit Amount : The reported " High Credit '' of {$12.00} is inaccurate for an account with a " No. of Months ( terms ) '' of 12.

This may be a violation of FCRA Section 605 ( a ) ( 2 ), which requires credit reporting agencies to provide accurate information, including the highest amount ever charged to the account. FCRA Section 623 ( a ) ( 2 ) - Reporting Accurate Account Status : The account is reported as " Late 120 Days '' by Experian, but there is no information from XXXX or XXXX regarding the account status. This inconsistency may violate FCRA Section 623 ( a ) ( 2 ), which requires accurate and complete reporting of account status.

FCRA Section 605 ( a ) ( 5 ) - Reporting Accurate Payment History : The reported " Payment Status '' as " Late 120 Days '' is not consistent with the " Date of Last Payment '' reported as " XXXX  '' This discrepancy may be a violation of FCRA Section 605 ( a ) ( 5 ), which mandates accurate and complete reporting of consumers ' payment history. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary actions to remove the inaccuracies from my credit reports. As per the FCRA, please provide me with written confirmation of the corrections made. 

Enclosed with this letter are copies of supporting documents that validate my claims. I trust that XXXX, Experian, and XXXX will fulfill their obligations under the FCRA to ensure accurate and fair reporting of consumer credit information. 

Thank you for your attention to this matter. I anticipate a swift resolution and the removal of the inaccuracies from my credit reports. 

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

Bridgecrest Credit which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with XXXX, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however Bridgecrest failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Student loan

Extreme difficulty in repayment, tried to lower payments and was extremely difficult and unclear, payments were not recieved. When made, constantly calling my house, very difficult to work with, ruining my credit.
Product: Money transfer, virtual currency, or money service

I am having major issues adding my bank account. It continues to not allow me despite constant check and balances to ensure it is the correct one. 
Please remove any restrictions from my account so I can add my bank account properly. My old one was removed due to it being from XXXX and they are shutting down, so I got a new bank account that needs to be added.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday, XX/XX/2019, I reached out from XXXX from XXXX XXXX indicating that I received a notification from XXXX that my loan payment was late and that my understanding was that I entered into an agreement to pay the {$39.00} per month for a certain amount of time to get my loan forgiven. I knew that my payment was not late as the {$39.00} payment was and still is autodrafted from my banking account every XXXX of the month. He stated " I'm not sure why they would request payment. It looks like we just did a recert for you. '' I am in the process of purchasing a home. My lender contacted me on Wednesday XX/XX/2019 indicating that XXXX has reported my loan as past due 60-90 days. I again reached out to XXXX via email and telephone. He provided me with notices from XXXX on both both XX/XX/XXXX and XX/XX/XXXX stating that I was in good standing and further that my past due balance was XXXX. I'm not sure why only one of the three credit bureaus is reporting my student loans as past due. I am not sure if XXXX XXXX is a legitimate company. I have paid them for over a year and when I recently reviewed my portal, none of my student loans are even listed on the XXXX XXXX website. I have been paying them to manage my student loans so that they can be forgiven and I do not know what the status of the forgiveness or the balance.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting

I have notified Experian that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Experian have not removed these accounts and inquiries within the last 16 months from my credit file. The Bankruptcy information that is reporting on my credit file - XXXX ... is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian Credit Bureau. I contacted the company by phone on XX/XX/2019 ( Wednesday ) to find out why my score dropped by 17 points then increased by 2 points within a 2 -3 days time period. First, I spoke with a lady who could not answer my question, so she transferred me to a Credit Specialist named XXXX. XXXX  told me that my score dropped due to a closed account with  XXXX XXXX/XXXX. I mentioned to him that the account was closed back in XXXX of 2019, which should not be affecting my account now. He put me on hold for over an hour and never replied back, so I hung up. The lady who transferred me said I could put in a dispute online and upload the proof, but the site said my connection was blocked. Also, XXXX said the closed account was recently reported as closed ( as in XXXX ), but this account has been closed since XXXX of 2019. This closure has popped up at a time when I am in the process of trying to move, coincidentally. If any documents are needed for proof upon receiving this complaint at a later time I will be happy to provide them. However, I noticed that Experian has removed this XXXX closed account off my report which was on there back in XXXX. I will post the scores and dates below. Another thing I would like to mention is that I have had my score dropped before with another agency by 100 points and was never given a reason as to why. Someone is messing around with my credit scores and I don't know who the culprit is. Also, I currently have a fraud alert on my credit, though there has not been any new activity on my report. Hope I can get this matter resolved because it is affecting my livelihood. One more thing I would like to mention, is that the customer service representatives are rude and arrogant. Thanks. 

Dates Scores XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Debt collection

returned some of the equipment in XX/XX/XXXX to XXXX and the rest in XX/XX/XXXX also to XXXX, account not showing all returns bal should be {$540.00} instead of XXXX. I have called and visited the store on multiple occasions to resolve the issue
Product: Credit reporting or other personal consumer reports

The accounts listed have violated my privacy and confidentiality rights under the Fair Credit Reporting Act ( FCRA ), a federal law ( 15 USC 1681 ). Specifically, the issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXXalls under 15 USC 1681 section 602 A, safeguarding my privacy rights. Additionally, according to 15 USC 1681 Section 604 A Section 2, any company reporting on consumers, myself included, can not share information about my accounts without my written consent. 

Furthermore, 15 U.S. Code 1681a clarifies that a " consumer report '' doesn't include information solely related to transactions between me and the reporting company. Also, in line with 15 U.S.C 1666B, a creditor is not allowed to mark a payment on my credit card account, within an open-end consumer credit plan, as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX, XXXX World Finance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided them, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

No updates were ever sent to me via postal mail or email showing how or who these investigations were verified or validated with as requested. 
Most investigations were complete within 2 days after I submitted these disputes, again showing that Experian did willfully and knowing failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

I have disputed this debt numerous times. I sent Diversified Consultants a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute Diversified consultants has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to Diversified consultants : I am writing this letter in response to the phone call/letter received from you on ( Date ).  In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
Product: Credit card

On XX/XX/year>25 my phone number was ported to another carrier/device and the hacker that did this opened up a Capital One credit card in my name, a XXXX XXXX savings account and made an online purchase. I got email notifications that they changed my passwords on all of my cash apps like XXXX, XXXX etc as well. 
As soon as I realized this I contacted my cell phone provider XX/XX/year>25 and they switched my phone number back and added theft protection to my account. Then I contacted all of the financial institutions that they made accounts with to get them closed.