23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEBT VALIDATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 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. 

Sincerely, XXXX XXXX ( Debtor Signature ) XXXX XXXX ( Debtor Printed Name )
Product: Credit card

I called and closed my account on XX/XX/XXXX after they mishandled a fraudulent charge on my account. They tried to refuse my consumer protection for the false charges. They have since acknowledge they have records of my request to close the account but don't know why it wasn't close... 

I thought all was good until I received a bill for the annual fee in XXXX. 

I have since contacted them several time and escalated the situation to get them to close the account and waive the fee they should have never charged me. 

In my most recent call, on XX/XX/XXXX. I escalated to supervisor XXXX employee ID XXXX Who advised that they are not able to waive annual fees and they could not waive the late fees until a payment was made to bring the account current. 

I again explain with her own verification, based on their system notes, the account should have been closed a year ago and the fee never assessed. But she again stated " she could not waive the fee '' and understood my next step was to follow up with regulatory authorities which did not seem to phase her. 

I just received a letter the account is closed by my request but the unpaid balance The {$49.00} fee is still due...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information on my credit profile I did not make the charge I've asked XXXX to do an investigation into the fraudulent account but they continue to report fraudulent and inaccurate information on my credit profile
Product: Debt collection

Covid hit and I ended up switching jobs, so I could no longer afford my credit card bills. I reached out to Discover, who offered me a year of hardship program and I took it, then paid down quite a bit. The hardship was only for a year, but I later found out they have a 60 % hardship for 60 month program that I was not offered. I could no longer afford the minimum payment, so I closed the account and they charged me a bit over XXXX dollars in fees and other charges. I have now been served papers by XXXX XXXX XXXX, out of Minnesota, and they are taking me to court if I do not respond within 20 days. I am a teacher and do not make much money as I am in the beginning stages of my career. I offered them a lump sum and the supervisor stated he would not accept it nor offer the settlement to the client the firm is representing.
Product: Mortgage

NewRez became my loan servicer in XX/XX/XXXX ( mortgage was originated in XX/XX/XXXX ). My first payment was due to NewRez in XX/XX/XXXX, which I made. I subsequently made a payment in each of the following months. 

Suddenly in XX/XX/XXXX I was contacted by NewRez to inform me that I am 1 month behind on payments. As I had made a payment is each month, I thought this must be an error. I have called and emailed NewRez a dozen times at this point and can not obtain any clear information. I was able to learn that all the payments that I had made to NewRez were reversed on XX/XX/XXXX and reapplied. One representative told me that their appeared to be an error with the reapplication of the payments, but needed a " supervisor '' to review my account. The supervisor was supposed to call me back, but I have received no such call. Instead I have received several collection calls. 

I mailed an Notice of Error to the address posted on NewRez 's site in hopes of finally getting some information on this matter. If there is anything the CFPB can do to help me, I would welcome the assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX  reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX   has broken the FCRA law by reinserting fraudulent debt on my credit file.
Product: Credit reporting or other personal consumer reports

I am both annoyed and frustrated that I have to come back to the CFPB AGAIN to file a formal complaint against Experian for their failure to comply with my request to opt out of sharing account information, as per my rights under 15 U.S.C. 6802 of the Fair Credit Reporting Act ( FCRA ). On XX/XX/2024, I submitted a request to Experian to cease sharing specific account information, attaching my driver 's license as requested for verification purposes. However, despite providing all necessary documentation, Experian has ignored my request, claiming an inability to verify my identity. 

The account details I requested to opt out of sharing are as follows : Account Name : XXXX Account Number : XXXX I have attached a copy of my driver 's license, which should serve as sufficient proof of my identity. Despite this, Experian has unreasonably delayed processing my request, which constitutes a violation of the FCRA. As a consumer, I have the right to control the sharing of my personal information, and Experian 's failure to honor my request undermines this fundamental right. 

This unreasonable delay in processing my opt-out request not only violates my rights under the FCRA but also exposes me to potential privacy risks associated with the unauthorized sharing of my account information. I expect Experian to promptly comply with my request and cease sharing the specified account information with any affiliates or third parties for marketing purposes. 

Furthermore if Experian ignores my request AGAIN I will not hesitate to file a lawsuit against them for their willful noncompliance and hold them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank account # 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 with my written instructions
Product: Checking or savings account

Direct deposit of my paycheck did not go through at the expected date and time. Upon contacting financial institution, was told it was due to a technical issue with a XXXX party vendor, and should be by end of day. At end of day, was told it should be the following morning in an email message. Issue was still not resolved by the following morning, and no further updates have been given as of the time of this complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau XXXX Department XXXX : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$570.00} written off. '' Once settled, the balance should reflect as XXXX without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting. 
Incorrect Payment History The payment history incorrectly lists " CO '' ( XXXX ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My XXXX Opportunities XXXX to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Mortgage

I sold my Florida property on XX/XX/2022. The mortgage was serviced by XXXX XXXX XXXX XXXXNationstar Mortgage XXXX . I received the correct closing proceeds from the XXXX XXXXl title company the same day on XX/XX/2022. Several weeks later on XX/XX/2022 I received a bank wire to my checking account from XXXX XXXX for the amount of {XXXX}. I contacted XXXX XXXX on XX/XX/2022 to ensure this was correct. Per the attached memo the transaction was correct. I called XXXX XXXX XXXX XXXXNationstar Mortgage XXXX to verify as well. The mortgage company stated the transaction is correct and the funds were mines to keep. I emailed XXXX XXXX XXXX XXXXNationstar Mortgage XXXX XXXX XX/XX/2022 to address the issue and was given the same response to keep the funds. I followed up again XX/XX/2022 and received a response on XX/XX/2022 that they will review my account. Followed up again on XX/XX/2022 and the mortgage company stated to return the funds and did not provide details why to return the funds. I did not use any of the funds due to the nature of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit report agency ( XXXX  ) XX/XX/XXXX starting at XXXX speaking with rep. XXXX . Informed her that I received notice on XX/XX/XXXX that information on my annual free annual credit report form did not match information they have on file. XXXX XXXX SS # /DOB/address. Also informed her that I received report XX/XX/XXXX with no problem. She put me on hold to see if she could access my report ( XXXX approx ). Came back to say that she needed more verification that I was me - asked if I had report from XX/XX/XXXX, & was there a bankruptcy or credit card incident in my report. Verified that there was bankruptcy and gave date of initial filing ( XX/XX/XXXX ) and court judgement discharge ( XX/XX/XXXX ). XXXX then said to further verify identification that she needed bank & creditor filing  amounts, I said I would not give that info since she should not need it, but did give Case ID # ( XXXX ) as listed on XX/XX/XXXXreport. XXXX said she did not need that, but would need bank & creditor information. This to me was too excessive and invasive. At this point I stated that I would report this because it was not working for me. I am thinking that she was looking at my report throughout. Call ended by me at XXXX approx. 

XX/XX/XXXX ( XXXX ) Logged on XXXX to try accessing report that way. After entering info could not connect to step 2. 

Unfortunately, had problem with Experian as well ( " The Social Security number you gave us does not match the identification information in our database. " ). Per prompts, that say they try to identify the caller ahead of time, I gave SS # /4 digit address/DOB. 
But try as I did ( XX/XX/XXXX XXXX ) ; XX/XX/XXXX XXXX ; XXXX ) to try to get through to a 'person ' NO LUCK! 

Was able to resolve issue with XXXX ( " Unable to Locate Credit Report '' ) XX/XX/XXXX XXXX approx. speaking with XXXX, also gave identifying info, put me on hold to see if she could access report. XXXX ). Accessed report and will be sending it me. Hopefully. 

Realize and appreciate the need to verify identity. Know each reporting agency wants their own clearance, but some oversight in what can be asked as way of identification should be in place. This MY information and if this is an indication of " the big three reporting agencies '' I am indeed troubled. No one wants their intimate information readily available anyway, but to have to entrust the data to outside sources needs to be put on a higher plateau than this!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft the following inquiries listed below and also attached in my identity theft report are fraudulent and it is against consumer law to report fraudulent or inaccurate items on consumer credit reports Fraudulent transunion inquiries XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : XXXX. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized : XXXX, XX/XX/2022, XXXX XXXX XXXX, XX/XX/2022, XXXX XXXXXXXX XXXX XXXXXX/XX/2022 and XXXX XXXX XXXX XXXX, XX/XX/2022. The credit inquiries are fraudulent, unauthorized and not my credit inquiries.
Product: Student loan

I was dealing with two servicing agencies, AES or American Education Services and XXXX or XXXX XXXX until XXXX closed down. XXXX closed down and my loans were sent to AES. My monthly loan payment at XXXX was {$270.00}, but when AES took over the loans last month they raised the monthly payment amount to {$440.00}. Last month, which was the first month that AES took on the loan, they charged me {$270.00}. But this month they want to charge me {$440.00}. 
I already had one loan with AES previously and I pay {$320.00}. So I was expecting to pay {$590.00} this month and onwards for all the loans. However, now AES is wanting me to pay {$760.00} for all the loans. 
I spoke with AES on XX/XX/2018, and they told me that they changed the disclosure and increased my amount. I then asked for a different repayment plan, but they said that I have no other options and must pay this amount. I am on a limited income and can not afford this payment, but they refused to accept this reasoning. They do not want to work with borrowers. I have been consistently paying on all my loans and AES just decided to raise the monthly amount because they felt it was needed. 
This company is setting borrowers up for default.
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELENE FINANCE LP, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, SELENE FINANCE, falsely claiming to represent XXXX XXXX XXXX XXXX XXXX, NOT IN ITS INDIVIDUAL CAPACITY BUT SOLELY AS OWNER TRUSTEE FOR XXXX XXXX XXXX, a defunct and closed [ trust ] since 2016, engaged in a scheme by making false representations in writing and filed false pleadings in courts falsely claiming that they represented a defunct and closed trust since 2016. Specifically, they filed a fraudulent Assignment of Deed of Trust, false Notice of Default, and false Notice of Trustees Sale with the predetermined intent to steal my home. Selene Finance and XXXX XXXX XXXX, XXXX XXXX filed a false declaration and Power of Attorney claiming they represent XXXX XXXX XXXX with the predetermined intent to steal my home. President Trump, please save the American Dream for all homeowners in the United States of America.
Product: Debt collection

Insurance company supposed to pay for this account. At that time I had full insurance coverage but hospital did n't request bill to the insurance company. 
After my termination of insurance coverage they were trying to collect from insurance company of course they wo n't pay the bill. 
After that I was working with hospital representative to make payment options some other representative moved to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get injuries remove from my Equifax and XXXX report that are Fraud I did not make these injuries. Please remove. XXXX, XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo is accusing me of XXXX. My aunt gave me checks to deposit and they say her signature is XXXX Shes been writing me checks for years. My aunt is a customer for well over 50 years. She spoke to her personal banker and told her theyre legitimate checks. Bank lied to me and said XXXXXXXX was not mentioned. I have the banks letter using that very word. The funds are to assist me to assist my aunt. Theyre defaming me and causing distress to her and me. Theyre causing extreme hardship at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX ******* Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed an unrecognized account from XXXX XXXX. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. XXXX XXXX has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that XXXX XXXX knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!