23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Names to be Removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to be Removed : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Employer to be Removed : Employer : XXXX XXXX Employer : XXXX
Product: Debt collection

Dear LVNV FUNDING LLC, I am writing in reference to my previous communication dated XX/XX/year>, in which I formally requested validation of the debt you claim I owe. To date, I have not received the requested validation and documentation as required by the Fair Debt Collection Practices Act ( FDCPA ). Without the proper validation of this debt, your continued attempts to collect, including reporting to credit bureaus, are in violation of the FDCPA. The details of the alleged debt are as follows : Account XXXX Original Creditor : XXXX XXXX XXXX XXXX. Amount : {$610.00} Since you have not provided the necessary validation, I hereby demand that you cease all collection activities related to this account, including but not limited to, reporting this debt to any credit reporting agencies, contacting me by phone or mail, or initiating any legal action. Failure to comply with this request will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal action for any violations of my rights under the FDCPA. Please confirm in writing that you have ceased all collection activities on this account. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX, XXXX I called to have late fee removed because I had not been late before. Unfortunately I was told no because my account is closed. 
I asked to speak with someone else who also told me the same. I asked to have those terms sent to me so I could read them for myself. XXXX refused stating I need to verify my address. Not realizing she never verified who she was speaking to when we were connecting.
Product: Debt collection

I moved out of XXXX XXXX apartment complex, XXXX XXXX XXXX FL, XX/XX/2020. They refused a final walk through and told me they had my forwarding address. I didn't give full 60 days notice and filled out paperwork stating the balance I would owe for the 15 days in XXXX. For months I never hear from them until I hear from a collection agency one night named IQ Data. I had read about this in some online complaints about the complex, but I had lived there 10 years and never late on rent or anything. I had a few maintenance issues, but that was it. I never thought this would happen to me. I had a good relationship with office personnel and management. So approximately 4 months later I'm called by a very rude and yelling young lady at about XXXX one evening that I owe an amount over {$1000.00} because of damages. I responded there weren't any damages to the apartment and that's why I asked for a final walkthrough because I was out 2 weeks prior to the end of my lease and could've had anything repaired if they said it was damaged. I finally received a letter from IQ data and responded saying I wouldn't pay without an itemized list of the damages. they sent a letter saying " damages ''. Not what was damaged. I am more than willing to pay what I owe, which should be less the {$150.00} deposit they kept for " damages ''. If you call IQ Data and ask for the person on the letter they always say that person isn't there and the same guy just yells. Now they've put this on my credit report which dropped my credit 90 points.
Product: Debt collection

XXXX university wrongful sent a XXXX XXXXXXXX debt to collections which was removed by credit reporting agencies as i was not responsible due to a billing error for the XXXX  of XXXX ( covid beginnings ) XXXX was also defendant in class action in XX/XX/2022 which paid out to former students which i received a share of proving that no actual debt existed or the share would have been retained and applied to this debt. Actions qualified me for borrows defense discharge of all school payments as a result completely releasing me from this supposed debt. Collections refuses to mark as settled and school refuses to release debt until collections does.
Product: Student loan

It is alleged that I co-signed a student loan for my son, XXXX XXXX XXXX in XXXX, 2005. I dispute the validity of that for the following reasons:1. At that time, I was judged XXXX by the XXXX Administration. All my affairs, including back accounts and financial decisions had to be approved by an administrator who was approved XXXX I did go with my son to the Texas XXXX XXXX XXXX XXXX and spoke with a financial person. I was not considered a valid financial participant by them. 
2. The signature is not mine. I am left handed, and whomever signed my name is a right handed person trying to write left handed. 
The XXXX, TX police took a report. They would not file charges because my trip with XXXX to the school was considered an indicator of my willingness to assist him. 
The XXXX. has ruled XXXX. 
Texas XXXX XXXX in XXXX, TX, will do anything including falsifying documents and lying to prospective students about job prospects in order to get guaranteed funds from the government. 
Can you assist in getting this removed from my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted Chase 3 times attempting to resolve this problem. Each time, I am placed on hold for over 40 minutes and no one answers. The customer service reps have difficulty understanding me and have a poor connection on their phone. The reps transfer me to their credit department and I am left hearing very loud distorted heavy metal music, while on hold for 40 minutes.

Anyways ... my credit report shows the following incorrect information for my Chase credit card.

# 1 - The are remarks from Chase stating " Account is in dispute ''.

# 2 - The payment history shows from XX/XX/XXXX to Present. 

I have never disputed this account. Why are these remarks listed on my credit report? Also, the account was in XX/XX/XXXX. The payment history from XX/XX/XXXX to present should be reported.
Product: Credit reporting or other personal consumer reports

Ive noticed improper use of my credit report and Ive notified these credit bureaus but my word is not valid to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to delete any items recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I received a Secured Capital One XXXX XXXX XXXX two weeks ago after transferring {$500.00} to Capital One. ( Capital One card no. XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX ). I received the card two weeks later and activated it. The card was used three times in three days for transactions totaling {$300.00}. On XX/XX/year> the Capital One account was closed and the card was deactivated for no known reason. This is the third Capital One credit card account that has been closed in the past 10 months.
Product: Mortgage

Our story began around XXXX of 2012 when my husband was out of work and my sister passed away.We used our funds to go see her before she passed.At this time we got behind a couple of months and there was XXXX other month we got behind so total 3 months. We went through a modification and for after a very long process of emailing, faxing and mailing the same papers over and over again.We paid our payments for a year and then finally they said they were going to send a paper for us to sign.We got the paper it was a subordination agreement.We called and asked who was suppose to sign it they said the court house, then we went there they told us no it was n't them.So over and over again for about a month we called Flagstar and they said different things each time.We were all over XXXX XXXX trying to get this paper signed.In the meantime we received no letter telling us a time frame and then XXXX day when I called to make a payment they refused it.This was not the first time they had refused they had also mailed back our payment originally when we first got behind.We have since been to court three times and payed alot of money to mail and fax the same papers over and over again and nobody there knows what there doing.We have had to apply now yet again for modification because of the paper they said we had to have signed that nobody could say who needed to sign has now forced us in to foreclosure.It has been emotional and stressful we just want an answer and we want people to never get a mortgage with Flagstar Bank.
Product: Debt collection

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have attached several documents for your review in regards to my complaint. The following credit reporting agencies are taken advantage of my by reporting several INACCURATE ACCOUNTS and Fraudulent Inquiries on my report. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

All I know is this : XXXX XXXX, on the behalf of LexisNexis Risk Solutions is the biggest elephant in the room! Either most, some, and or all three major credit reporting agencies/matters are being advised, and determined by or with the help of these bad characters, and actors! In the past, and some yrs ago, it was LexisNexis Risk Solutions that done the following ; hinder, and prevented me from obtaining : an affordable, decent, livable, suitable, healthy, protective, comfortable, peaceful, and the most safest environment to live in! Which led to me, not being able to choose, and select that was in my best interest! All that played a part, in my overall health being : in the status, state, and unsatisfactory conditions! Because of their bad reporting, inaccurate submissions, advises, misconduct, failures, transparency, bias, overreach, carelessness, ignorance, and extremely bad practices in nature! Now, they're pretty much doing, the same thing in this matter! As a result of this, in most cases its leading to, unnecessary credit denials, and declination with future creditors! In my closing, its definitely having a lasting impact, on how I'm being treated, and ongoing troubles : with all three credit reporting agencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a charged off account on my reports that I have disputed with both the credit bureaus and directly with them. 

I sent them a disputed requesting all information and documents concerning this debt and they have not responded to me although my dispute was received. 

Per the FCRA, the consumer has the right to dispute any inaccurate and invalid information from their reports and in receipt of my dispute, the consumer reporting agency must acknowledge and conduct an investigation. 

I know for a fact that XXXX can not verify this account with the credit bureaus if they can not validate this account with me. The consumer reporting agencies are in violation of my right to dispute and have accurate accounts on my credit report and I am requesting this account is deleted from my report!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Product: Mortgage

There was an additional {$250.00} special assessment that I missed paying for the XXXX half of XXXX. I was made aware of it, and in turn paid, within the timeframe given. I have not had an escrow on my account for the XXXX  years I've had the mortgage and have never missed a payment. I therefore request that this escrow be taken down immediately. I am refusing to make additional payments until this issue is resolved. I have been dealing with this issue for XXXX months and am now behind. This is all recorded in conversations with them and I have sent a formal letter as well. Additionally, in the time I've asked them to remove the account, they've taken it upon themselves to pay the XXXX half of XXXX and did not tell me. I also paid for the XXXX half of XXXX so the situation has gotten even XXXX. I have proof of all payments.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  XXXX - XXXX - {$XXXX} XXXX  - XXXX - {$XXXX} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit card or prepaid card

I'd like to file a complaint about the opening bonus of my Citi thank you premier card. Per condition and term ( *please see attached about condition and term ), I will receive XXXX TYP after spending XXXX   within the first 90 days after the account is opened. After I spent $ XXXX, I chated with Citi and got the confirmation that I'll be receiving my XXXX TYP within next 1-2 billing cycles ( *please see the screenshot named after p1 ). Till last week, I still haven't received the opening bonus, so I chated again with Citi and I was told that I no longer will be able to receive points since I didn't meet the spending requirement. For whatever reason, they said they appreciated my business and gave me XXXX   points as goodwill.

I'm SO SO SO confused about why I was told to get XXXX thank-you points a month ago but now I'm told I won't ( * please see the screenshot named after p2 ). This is SO SO SO frustrating and I'd like to request CFPB to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I have disputed the late payments on this US DEPT OF ED/XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

The debt in question is from XXXX XXXX. They sold the debt to Diversified Consultant Incorporated. This debt was settled by XXXX XXXX ph # XXXX in which correspondence was mailed to me advising the money paid satisfied the debt in full. I am now receiving a statement from XXXX XXXX on behalf of Direct TV for the amount that was supposed to be adjusted due to the settlement. I have in my possession all correspondence. Additionally I have contacted XXXX XXXX where they have advised they do not know who Diversified Consultant Incorporated is. Please advise where I can submit this documentation in order to support their falsified documentation in order to support their falsified settlement. The balance they are trying to recover is invalid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit card

re CFPB CASE NUMBER XXXX I RECENTLY CLOSED A BP VISA CREDIT CARD ACCOUNT AND FILED THE ABOVE REFERENCE CLAIM WITH THE CFPB. I RECENTLY RECEIVED A FORM LETTER FROM SYNCHRONY BANK WHICH I ASSUME THEY SEND TO PLACATE THE CFPB. IN THAT LETTER THEY STATED THAT THEY DID NOT RECEIVE A FINAL SETTLEMENT PAYMENT OF {$1900.00} AS OF XXXX XXXX, 2016. I MADE THAT PAYMENT BY CHECK ON XXXX XXXX, 2016 -- THE DAY I CLOSED THE ACCOUNT. MY CHECKING ACCOUNT WAS DEBITED FOR THE AMOUNT ON XXXX XXXX, 2016. YET SYNCHRONY BANK SAYS THEY STILL HAD NOT RECEIVED THE PAYMENT AS OF XXXX XXXX, 2016. THYE ARE OBVIOUSLY RUNNING A SCAM TO RUN UP LATE FEE CHARGES. I WILL BE SENDING ALL SUPPORTING DOCUMENTATION TO SENATOR XXXX XXXX SO SHE UNDERSTANDS WHAT THIS BANK IS STILL DOING TO CONSUMERS.
Product: Credit reporting or other personal consumer reports

Delete These Accounts As Soon As Possible From My Credit Report
Product: Checking or savings account

XX/XX/XXXX US Bank forced deposited my sons auxiliary benefits into my frozen account going through closure 2 days after the settlement date. Then continued to withhold those funds for 29 days. Violating 31 cfr part 210 and nacha regulations. The funds were suppose to be returned under return code R16 Account frozen. I called on the settlement date of XX/XX/XXXX and was told they would be rejected and processed Friday morning ( XX/XX/XXXX ) but were force deposited into my account. 

US Bank continued to withhold the funds in my account which are entirely my sons auxiliary benefits in the amount of {$780.00}. I was not notified why my funds were being withheld other then my account is going through closure. Us bank would not allow me to withdraw the funds by any means or close the account myself over the phone or via branch. I was told I would receive a check in the mail with the funds when the account closed. 

XX/XX/XXXX I get a text message from US Bank stating there was a withdrawal in the amount of {$780.00} from my account. I contacted us bank to see if they had sent out the check and if I could get a tracking number. I was then informed they withdrew my sons auxiliary benefits and sent them to XXXX collection agency to offset on my closed account ending in XXXX that was closed, charged off and now with a collection agency in XX/XX/2023. US bank was well aware that these were my sons benefits. I do not understand how my son can be forced to pay a debt he doesnt owe or has anything to do with my son. I also do not understand how his benefits can be withdrawn from my account and then sent to a 3rd party? US bank refuses to refund my sons benefits to me or even to send them back to SSA. 

XX/XX/XXXX I received a letter from XXXX collection agency thanking me for my payment in the amount of {$780.00} and I still have a balance of {$62.00}. This money was forced into my account when I was told it would be sent back, then withheld from me for 29 days and now basically stolen right out from under me to pay a debt that isnt my sons debt. 

This whole situation has been extremely stressful and frustrating. I have a $ XXXX  monthly income to pay bills and provide for my children and US bank has held onto {$800.00} of that for over a month now causing my electric and water to be shut off and I wasnt able to get my son school supplies he needed or pay his XXXX XXXX insurance for his XXXX that now has lapsed. I need this money back ASAP either returned to me or to SSA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 about the collection accounts attached to this complaint. I requested the original contact, signed by me, for these accounts along with the signed document giving them permission to purchase these accounts. I have not received any documentation which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

AWA Collections Account # XXXX Balance {$66.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX Date - from XXXX XXXX XXXX Stay My insurance XXXX XXXX XXXX paid the claim & I paid the {$200.00} deductible. I submitted via e-mail the paid claim to AWA Collections on XX/XX/XXXX. 
I was never notified by phone or e-mail that I was going to be taken to a collection agency prior to this claim being filed by XXXX XXXX in XXXX XXXX, CA. ( XXXX XXXX )