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

On XX/XX/year> I wrote you a letter requesting verification. 

On XX/XX/year> you responded stating that you have previously investigated and verified this account. I sent you a direct request so I believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 

I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. DO NOT SEND ME VERIFIED RESPONSES! 

Please delete those accounts expeditiously! 

Listen, I am really trying to get these minor mistakes your company continues to report deleted. If we can not resolve this issue within the FCRA guidelines of 30 days I will have to search for legal counsel.
Product: Debt collection

To whom it may concern, This letter is to inform you that XXXX XXXX XXXX/Resurgent Capital Services have failed to validate a debt collection that is being reported on my credit reports. On XX/XX/XXXX I sent a letter via certified mail disputing a XXXX XXXX account in the amount of {$1200.00}. This letter stated, as per the FDCPA, I have the right to request a VALIDATION of this debt. This letter also requested that an original agreement with their client to collect on this account, an agreement that bears signature of the alleged debtor and a complete payment history is to be included in their response to VALIDATE this debt. And that non-compliance of this validation request will require their collection agency to cease collection activities and reporting the information to my credit report as per my rights under the FCRA. On XX/XX/XXXX I received a response from Resurgent Capital Services that did not include the requested information or ANY type of VALIDATION. Instead, they included some sort of account summary with an invalid name and my current address. I know for a fact the original address reported along with this collection is an address that I never resided at. Also, this original account was opened when I was underage, which is against XXXX XXXX ' [ original creditor ] policy. In conclusion, I would like to state that this account is in fact not a debt owed by me, and is being reported incorrectly on my credit reports which is seriously affecting my right to enjoy the benefits of good credit. Please address this issue immediately. As my rights have been violated as per the FDCPA as well as the FCRA and I may be forced to take legal action against Resurgent Capital Services and XXXX XXXX XXXX if this issue is not resolved. I have attached the appropriate documents pertaining to this complaint. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is continuing to report a past due amount on my credit report when this account shows as having been sold to a collection agency. I have challenged this previously and has come back verified both with XXXX and Transunion. How can this have been investigated and yet still showing a past due amount when the account was purportedly sold to a collection company/agency
Product: Checking or savings account

My account was restricted and then closed in XXXX due to some checks that where made to my fathers name who passed away. When the account was closed I was told I had to go to a chase branch bank and submit documents proofing that I had authorization and bring in the death certificate The funds would be released in a form of a cashiers check until this day I have not received does funds I have went up to the branch 6 times and every time the documents are being scanned by the agent in the branch and We are told they never received them so they are needed when in fact the agent has submitted them 6 times. Dates I have been to bank are XXXX. ( take in to consideration that I have spend the whole day in branch for this issue ) Fund amount that need to be released is for {$550.00} At the end of every phone call I am told the documents are received and the check will be mailed but that is not true it has not been mailed. That money is legally mine and is not right that I am being played with my time. Does funds have been on hold for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX have reported a 30-day late payment indicator on my credit report with the creditor, ( XXXX XXXX XXXX XXXX XXXX which is incorrect and is currently showing on my credit report. The two accounts from this creditor that I am referring to is the account balance of : {$34000.00} and {$110000.00}, which the account was opened XX/XX/2021, and XXXX XXXX. I have never paid 30-days late and when I contacted XXXX XXXX XXXX XXXX, XXXXhey said that their system is not showing it and that I am current and they did not report that 30-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with XXXX, Equifax and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Transunion, XXXX, and XXXX asking them to remove the account XXXX XXXX XXXX # XXXX from my credit report because this account is Deficient of Physically Verified Validation. XXXX XXXX XXXX is in violation of the FDCPA U.S. Code 15 USC 1692e 807 False or misleading representations, and U.S. Code 15 USC 1692g section 809 Notice of debt ; contents. XXXX XXXX  is trying to collect a debt on behalf of XXXX for the amount of {$1300.00} that i do not owe. It's reporting on all three of my credit reports as a collection account. Account # XXXX. I notified XXXX XXXX in writing that i was disputing the debt and to please send me a validation of debt per FDCPA section 809 ; Please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. They have yet provided this information which is in violation of the FDCPA. Transunion, XXXX, and XXXX have yet to remove this account from my consumer report which is a violation of the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Their failure to positively verify the account Enhanced Recovery Account # XXXX has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Product: Checking or savings account

My Bank Of America XXXX Account ( XXXX ) has been setup for closure by the bank 's decision. It currently has an available balance of {$2100.00} as of XX/XX/2022 and I have visited two different branches since XX/XX/XXXX, and the bankers are not letting me withdraw the funds from my soon-to-be-closed account. 

I have called customer protection several times and they state that the request to withdraw the funds may take from 3-5 business days, however, I believe that Bank of America is illegally holding the funds from my account for as long as they can until my account is closed. 

All my attempts to get the funds from my to be closed account have been useless.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against XXXX, & Equifax, XXXX alleging systemic 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 XXXX XXXX has XXXX corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax XXXX XXXX 's XXXX inaction violates federal law and my rights as a consumer. 

XXXX XXXX XXXX - Late Payment Removal, Account Paid In XXXX CLOSED and should be Current XXXX - Account Removal Unauthorized Account
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX  : XXXX
Product: Debt collection

The woman identified herself as XXXX with XXXX XXXX  calling to collect on an auto loan for Capital One from over 15 years ago. I have a bankruptcy which was finalized XX/XX/2021. This is the XXXX or XXXX call where I have advised I filed bankruptcy and that the debt is too old to collect. Then they hang up on me but continue to call. It is my understanding that once my bankruptcy was filed which was months ago, debt collectors must cease and desist calling me. I would like this company to comply.
Product: Debt collection

On XX/XX/2021 Receivables Management Corp., flagged my credit files with inaccurate collection information. 
Receivables Management Corporation, are debt collectors attempting to collect a medical debt on behalf of XXXX XXXX XXXX. I have not received any services from Receivables Management Corporation, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to Receivables Management Corporation, I have not provided any releases of my medical information to Receivables Management Corporation, and I have no idea how Receivables Management Corporation received my private medical information. Receivables Management Corporation, have violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. I did not receive any documentation from Receivables Management Corporation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
As per the Better Business Bureau : Receivables Management Corporation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.
Product: Checking or savings account

Credit karma Money was a featured promotional option from XXXX XXXX to get my 2020 return and earn extra rewards. 
My card was misplaced. 
No way to expedite new card. 
No way to use digital wallet to get access to money while waiting for new card. 
LIED and said was on XXXX  platform. 
Awful customer service. 
I STILL DO NOT HAVE MY MONEY OR ANSWERS 3 DAYS LATER!!!
Product: Debt collection

This Number calls and says they have a pending legal matter in there office that is being processed and would be served to me if no response. They fail to mention this is a attempt to collect a debt and threating charges to be filed against me. They called my parents house and spoke with them telling them that charges are gon na be filled in there office if I do n't pay or contact them. Now they started calling my number asking for a different person. I assume this is a tactic to get me to call back to be taken off there list then ask well what is your name. XXXX is the number they tell me to call back to but they are calling from a local number.
Product: Credit reporting or other personal consumer reports

SEE ATTACHMENTS! 
I have reached out to XXXX XXXX due to a public record thats it not supposed to be reporting on my consumer report per FCRA law and results did not fix an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  2019, I disputed several inaccurate entries that were reflected on my XXXX  and Equifax reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XXXX/2019, neither XXXX  nor Equifax have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for XXXX  reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for Equifax reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. XXXX  has had 58 days and have yet to respond. Equifax has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.
Product: Student loan

Good afternoon, I am a cosigner on a loan for my little brother through the company Sallie Mae. When my brother first applied for a loan through this company he chose the wrong loan option. Instead of choosing to deffer the loan, or to pay a small interest fee of {$25.00}, he chose the in school interest repayment option. Not paying attention, I signed off on the loan because he told me that he had everything taken care of. So in the month of XXXX of XXXX I received a notice telling me that I had to pay Sallie Mae {$100.00} because of the plan we chose. I was confused and called to ask them if there was any other way to change the loan to a deffer loan and the representative on the other end told me there is nothing they can do and I have to pay this amount or else my loan will go into collections. So I explained to them that it will be hard for me to pay that amount of money because I am a dual major in college that works at target, and I have to pay for my school out of pocket ( which is about {$1500.00} a semester ), my rent ( because I can not afford to live on campus ), my car note, my car insurance, my utilities, school supplies ( like books and any other nursing lab expenses ), my phone bill ( which includes myself, my father, and my XXXX younger brothers ), and my brother is a XXXX in college with no job. However, because I was told there was no other option and I had to do this I agreed and told them that I will pay the {$100.00} a month. In XXXX of XXXX, I received another notice telling me that because the second half of the loan was sent out I had to pay {$200.00} a month now instead of the {$100.00}. I called the company multiple times and talked to multiple managers to see if there was anything I could to deffer the loan so that we would not have to pay while he was in school. All of the managers and representatives once again told me there is nothing they can do and that I had to make the payments. On XX/XX/XXXX, I called Sallie Mae because they called to tell me that my payment for XXXX was past due. I was aware it was because I was not able to afford the monthly payments. So when I talked to another representative he informed me that I could ask the school to send the money back to Sallie Mae and from there Sallie Mae could let me apply for a new loan so that we would not have to pay a monthly payment. This was the first time anyone has ever told me about this option because if I had known about it before the loan was ever sent out, back in XXXX, I would have applied for a new loan then. Unfortunately, now it is virtually impossible for me to get that money back from the school because it is finals week, the last week of the semester. So basically, I was forced to pay a monthly payment because I was told they could not do anything to help me and now I am being forced to pay {$200.00} a month until my brother gets out of school. Sallie Mae has lied to me for months and they now do not want to do anything about it!
Product: Student loan

When I started school, all me and my cosignor knew was XXXX cumulative max could be borrowed. To us that meant that once that amount had been borrowed, approval would not occur anymore. That credit was checked by lenders and the website that monitors student financial aid would be checked by lenders and when shown that amount had been reached, that was it. However, between XXXX and Navient/XXXX XXXX, they never capped that max and now I am in debt over XXXX dollars. XXXX loan alone went from XXXX original to now XXXX owed. These are just private loans- not including my federal. I am paying OVER XXXX a month in student loans! My entire income is going to this debt. It is not affordble to me nor to my cosignor. They took advantage of nieve borrowers. It wasnt until grad school did I learn of my total amount owed and how these XXXX lenders XXXX us by not stopping the approval process at XXXX max. I have XXXX children and a husband in the military. We are rapidly going in debt and losing things because this is consuming us. They harrass us and our family daily. Sometimes calling 30 times a day, they hound my co signor at work to where he has been threatened to be fired. They refuse any payment options, they have talked to me in the most disrespectful of manners, They threaten us, and not only that its impacting my husband military career and the life we can provide for our children. Something needs to be done about this,, I can not afford this for the rest of my life, it is physically making me ill, mentally wearing on me, I work 5-7 days a week, XXXX jobs ata time, my husband works XXXX jobs and we are not making it.
Product: Checking or savings account

an account was opened in my name by unknown individual on XX/XX/2020 at Suntrust Bank I have reported it to Suntrust and account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  aka XXXX XXXX XXXX XXXX refuses to update my credit file with The Tbrer major credit bureaus XXXX Equifax and XXXX .This a credit card is paid in full. Every month XXXX XXXX takes between 7p and 74 points against my fico score. It's wrong .it appears that this ba k has cut a deal to get paid to continuously take points to keep my score from improving so credit companies like XXXX XXXX  can continue to get paid for posting inaccurate information. This continuous practice is disparate for me as a person of XXXX and it also keeps me at a disadvantage of getting credit or a loan which is unfair. Every month I please with XXXX XXXX to update and they continue to keep my profile of XXXX XXXX in the negative. This appears discriminatory and deliberate. It's been over a year now and XXXX XXXX willmot update my credit profile thus allowing fico to improve my scores. It's simply no reason for this time of treatment especially when the account is paid .this is a honest attempt to remedy this problem otherwise I will have no choice but to bring XXXX XXXX dba XXXX XXXX. 
This practice is hindering all the credit bureaus with my profile.
Product: Credit reporting or other personal consumer reports

I have been a victim of equifax data breach and my personal information was stolen and used to open these accounts. I have contacted Equifax to investigate these accounts for months and they have done nothing about it! These are the name of the accounts 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 or other personal consumer reports

D

espite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations