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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update the following items in my file immediately. 
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 DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX, I sent a certified/notarized letter to LexisNexis asking them to remove a XXXX Bankruptcy from my credit file because I nor the XXXX XXXX XXXX Bankruptcy Court provided them consent to sell or provide XXXX, XXXX, XXXX XXXX with my Bankruptcy information. 

I advised them that they violated my rights by committing the below violations : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction In response to my letter, I received a letter on XX/XX/XXXX from LexisNexis that was dated XX/XX/XXXX & XX/XX/XXXX, they advised that the information was accurate and they found these accuracies sourced from their own company as well as PACER Service. 

I am filing this personal complaint because they continue to violate my personal rights and have not received any proof from the XXXX XXXX Bankruptcy courts or myself to allow them to sell my personal information. This is against the law and they need to remove this from my personal credit file and DO NOT sell my information any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in reference to the following : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number XXXX XXXX Reason : Miscellaneous Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account I have disputed this account information as inaccurate with you, and you have failed to respond. 
Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 
I have enclosed copies of my requests to the collection agency, asking them to validate my debts. 
This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its incredibly disheartening to see unauthorized inquiries suddenly showing up on my credit report tonight without any explanation. Despite checking and refreshing my browser, these discrepancies persist. I am profoundly frustrated by this situation and insist that my documents be examined with the utmost urgency so that I can have peace of mind.
Product: Credit card or prepaid card

I filed a dispute with credit card company. Company denied my dispute. I filed a complaint with this agency. Ally bank responded, see attached letter. Ally credited my card in the amount of {$250.00} on XX/XX/2023. On XX/XX/2023 Ally reapplied the charge back to my account without contacting me or investigating the dispute. Letter states that " if proper evidence is provided in the allotted timeframe the charge may be reapplied to your account '', see attached letter dated XX/XX/2023. Ally did not provide to me any evidence or documentation from the merchant whatsoever. Ally simply reapplied the charge without reason or justification.
Product: Mortgage

XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX Loan # XXXX I would like to file a complaint against Select Portfolio Servicing , Inc . I have been requesting assistance for my property. I have submitted numerous applications, and I have been denied. 
There are several programs that Select Portfolio Servicing , Inc. should have made available for my property as the HAM Program, The DOJ Settlement, The reduction of principal and late payments, however none was provided to me. 
My last submission was on XX/XX/XXXX. Select Portfolio Servicing, Inc. sent a letter dated XX/XX/XXXX with a repayment plan of {$6500.00}. 
The {$6500.00} monthly payment is excessively high, and is not feasible. It will only make me go back into default with this excessive monthly payment. 
Please help me keep my home. 
I would like to keep my home. 
I would like to be considered for a reduction of principal and interest, as it would make my monthly payments more affordable. 

Thanking you in advance, XXXX XXXX XXXX
Product: Debt collection

I was signed up for classes at XXXX XXXX of XXXX XXXX Michigan. I never attended the class. They are claiming that I emailed or called the teacher and claimed that I told her I would attend the class. However, I have never spoken with the teacher via phone or email. Therefore, I asked for prove an email that says this or phone records. Which the teacher has never giving out her personal phone number so I would have had to call the office and leave a message which I did n't. I always pulled up all my emails to and from her and never once was there an email about attended the class. I have had this teacher for years and yes if I did n't show up for class she would just keep me in the class thinking that I would show up. However, this time she was wrong because I never attended the class nor did I call her or email her. I have asked for prove which they ca n't provide.They are trying to collect XXXX dollars that they claim I owe. However the classes there are over XXXX They just do n't want to send the government back the rest of the money for the class that I never attended. M & M credit company
Product: Credit reporting, credit repair services, or other personal consumer reports

Please this is very urgent. I'm an American. I've worked on my credit for the past few years. I'm trying to keep everything accurate.. .my child support is paid off. I'm still getting reports from my credit and it's not accurate. My child support is paid of and the transunion still showing I'm late payments and no payments when clearly I've paid my child support. Please anybody out reading this. My child support is paid off and I don't owe. Why am I getting no payments on my reports. Why is my credit getting hit when I. Not behind on my payments. My child support is getting paid by the XXXX XXXX log in. I have payments t history that i have sent as attachments. anybody. Can fix this. I'm an American
Product: Credit card or prepaid card

I bought a return plane ticket through amextravel with points. Separately charged by the airline. When I called amex to ask why this charge was on my statement, they didn't know and said to dispute it. I did which resulted in amex cancelling my ticket. I was stuck in XXXX with no way home, ended up spending XXXX to get home and amex 's dispute resolution team determined it was not their fault the ticket was cancelled but rather XXXX. I have not received a resolution from either company.
Product: Credit card or prepaid card

I filed a complain already with the creditor and CFPB so far there is no resolution. 
I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} plus XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from American Express is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX XXXX id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in 24-48 hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance. 

Today is XXXX and American Express have not resolved my fraud case. From XXXX to XXXX I had call the company ove 50 times and they just keeping telling me I will refer this information to the fraud team can not transfer you there because they dont acept calls. I requested to talk to the manager and they told me the line is so busy and offer me a call back in 30 mins other 2 biz days. They dont even know what is happening why this case have not resolved yet. NO ONE KNOWS NOTHING. My last call was 2 weeks ago and this representative told me there is no claim with this charges, i see the notes about you calling in regards this fraud charges but we have never filed this claim for this charges. I wanted to cry NO KIDDING I didnt wanted to ask anything I am done with this company. The worse worse services. He told me a manager will call me back in 30 or 40 mins WELL so far no one has been caling me. ONLY COLLECTION CALL. Everyday. PLEASE PLEASE someone help me with this terrible situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information dated XX/XX/XXXX, was never included in the investigation from the time frame and the inaccurate dates of XX/XX/XXXX, all monies owed paid in full and were not apart. I feel the investigation was a violation of the fair debt collection practices act section 623 b. This relates to all three credit bureaus. Equifax, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is through progressive and has been paid off and verified with the company. I disputed this account for the second time to have it removed and they changed the remarks to incorrect and never removed the information. Please verify and remove. The account is old and was paid off long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name :XX/XX/XXXXXXXX Account Name : XX/XX/XXXX # XXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX # XXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XX/XX/XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX Account Name : XXXXXX/XX/XXXXXXXX XX/XX/XXXX Account Name : XXXXXX/XX/XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX Account Name : XX/XX/XXXX XXXX XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME XXXX ACCOUNT XXXX : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.

DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW.

This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XXXX I have reached out to credit bureau Experian a number of times to dispute my inquiries over the phone and I get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint XXXX, and I'm including it again. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I've received a debt collection letter from Jefferson Capital Acct reference number XXXX. 
I did not open or sign anything from Jefferson Capital. Jefferson Capital indicates I owe {>= $1,000,000}. I've requested any/all supporting information showing I open an account with Jefferson, This is my third request for information. 

To date, I have not received documents ( contract, receipts, contract etc ) showing I open an account with Jefferson.. I did not sign or open an account with Jefferson. I have not received any supporting documents that show I owe this account. I request that this dispute be sent to all consumer reporting agencies as a dispute. 

In addition, according to 15 USC1692C, I never gave consent to open or use my credit to open an account.. 
Your prompt attention to this matter is appreciated. 

Thank You
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX, I mistakenly withdrew funds ( {$74.00} ) from my XXXX account to my closed Venmo account. When I noticed the mistake, I immediately left an email message for Venmo informing them of this mistake. On XX/XX/XXXX, I contacted Venmo via phone and was informed that a customer service rep is not able to help me with my issue only an account specialist. I was advised that I can only reach an account specialist via email and it would take 7-10 business for someone to reach back out. I was upset as I would have liked someone to allow me to transfer those funds to an active account or card that I had on file via Venmo
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a charged off account reporting on my XXXX Credit file that is not mine..i requested written verification and written validation that the account was mine and i have yet to receive it ... They have not proved that the amounts nor the dates on this account are correct. The account in question is from XXXX XXXX XXXX XXXX XXXX and should be removed from my account immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued reporting of inaccurate and false information on my credit report. This is my third attempt to resolve this matter, and I demand immediate action in compliance with federal law. 

Pursuant to 15 U.S.C. 6802 ( Financial Privacy Rule ), I hereby exercise my right to privacy and demand that you cease the unauthorized dissemination of my financial information to third parties, including credit reporting agencies, without permissible purpose or my express consent.

Additionally, under 15 U.S.C. 1681b ( Fair Credit Reporting Act Permissible Purposes of Consumer Reports ), you are required to ensure that any reported information is accurate and provided with proper authorization. If you can not verify and provide lawful documentation supporting the validity of this debt, you must immediately remove it from my credit report.

Furthermore, any attempt to knowingly furnish or maintain inaccurate or fraudulent information could be deemed identity fraud under 18 U.S.C. 1028A ( Aggravated Identity Theft ). If you are reporting incorrect or unverified debt information in my name, this constitutes a serious violation of federal law.

I formally requested Form 1099-C along with a document bearing a wet signature that verifies the authenticity of the alleged debt. Additionally, I have provided authorization permitting the disclosure of relevant information, including reporting to credit agencies. If you can not produce these documents, you must immediately cease reporting this invalid debt to the credit bureaus.

Failure to act on this matter may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential litigation for willful noncompliance with federal statutes.

I expect a written response within 15 days of receipt of this letter, confirming the removal of this erroneous information from my credit report. A copy of this dispute will also be submitted to the credit bureaus. 

Sincerely, XXXX XXXX
Product: Credit reporting

XXXX ; XXXX HOme Loans have put a hard inquiry on all XXXX of my credit reports. I never applied for a home loan with these people. I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX credit report that the company called Navient had posted incorrect information about a Grad Plus loan that was supposedly awarded to me in XX/XX/2017.
Product: Debt collection

Early XX/XX/XXXX, I received an invoice from Spring Oaks Capital LLC stating they " bought '' a debt from " XXXX  XXXX '' they were trying to collect on. I had never taken out such a loan nor know who XXXX XXXX is. I wrote on the invoice to send me the proof of validation, as well as letting them know that I did not take out this loan. I mailed it back and filed the FTC ID theft report. I emailed it to the Spring Oaks Capital soon after mailing the invoice back. I tried to call Spring Oaks a few times and left a message. No call back. Last week, I started getting calls from a " XXXX firm '' to call back. I didn't know who that was, so never called because I never heard from them. I didn't hear anything back from Spring Oaks neither until this weekend. I had gotten a notification that my credit report has a collections account on it. From Spring Oak Capital. This is after I sent in the ID theft report and tried to called. They never contacted me after that letter attempt. I resubmitted the ID theft report and now a XXXX XXXX Police ID theft report and emailed to Spring Oaks from my email address. I tried to call and left a message this weekend again. I emailed their customer service link on their page. No response. I have now filed a complaint with the XXXX and now the CFPB. They are trying to collect and bully me into paying them on an account that is not mine and was taken out without my authorization. I have been dealing with this ID XXXX since XXXX and the XXXX  incident. I am overwhelmed and stressed and my son was in a car accident a week ago, so dealing with that. I can not deal with Spring Oaks XXXX right now because they want a quick buck especially after I have told them numerous times and showed them the ID theft reports.