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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
Product: Credit reporting

In XXXX I became aware of a {$400.00} collection action on my Transunion credit report for a debt that was not mine. I disputed the issue to TransUnion without success. I complained to the XXXX Office of Consumer Protection and the collection action was removed based on a response from the vendor, XXXX XXXX XXXX, which I have attached. 
In XXXX I became aware that the same {$400.00} debt was back on my Transunion credit report under a different collection agency. I complained to the Office of Consumer Financial Protection ( Case Number XXXX ) and received a response from the collection agency ( attached ) that the debt is not mine and that a different name is on the account. 
I noted that a name I have never used, XXXX XXXX, is listed on my Transunion credit report. This is an error I believe arose from the erroneous collection action in XXXX and it should not be on the report. 
I need the {$400.00} collection action removed from my Transunion credit report. I also need the incorrect name, XXXX XXXX, removed from my Transunion credit report.
Product: Debt collection

I never received a bill from this health care provider. I am on medicaid and medicare and on XXXX. I have no co-pay.. This credit company has put XXXX accounts on my credit report in collections This is the source XXXX This is the Credit collection agency. 

CREDITORS COLLECTION/XXXX on my XXXX credit check.
Product: Credit card or prepaid card

XX/XX/18- 4 unauthorized purchases with my PayPal account totaling {$1100.00}. I reported this as fraud to PayPal and was given a case number. I was informed the amount would be refunded within 5 days.

XX/XX/18-I called PayPal. They informed me that the refund would be in my account by XX/XX/18.

XX/XX/18-Paypal informed me that the money was refunded to my card and to call my bank. My bank had no knowledge.

XX/XX/18-I spoke with PayPal. They requested the card number used and informed me that the refund would be made by XX/XX/18. XX/XX/18-I spoke with PayPal. They claim that the refund was sent on XX/XX/18. Again, my bank has no record. I called back to PayPal and they informed me that the money would be refunded to my card today and gave me a reference number. I asked to speak to a supervisor. They said one would call me. I received no call and no refund.

According to PayPal, the charges on my card occurred in XXXX. I have not received a refund nor have I received a call back from a supervisor.
Product: Mortgage

we XXXX have a big finance problem. we not able to pay the Mortgage because the way we getting pay. we need help. we hold about {$XXXX} or more
Product: Credit card or prepaid card

I opened a credit card back on XX/XX/2021 to pay for the purchase. All I know is for the first 6months there is no interest fee and after the six months, any unpaid balance will be charged at a normal rate. But for some reason, on XX/XX/2021 there were two transactions stating " promotional to revolving '' fee of {$240.00} and {$46.00}, charging my credit card out of nowhere which unknow and I never known authorize it.

I'm on the phone for 3-4 hours, plus going down to the Floor & Dcor store but no one couldn't explain to me how or why I got this charge that I never authorize. The representative of Comenity bank very rude and unprofessional, they keep transferring me to different department back and forth but still no resolve. All I got the answer from them is " I don't know, you have to talk to that department '' then when I got to that department, I got transfer back to where I was before. Also, the representative wouldn't allow me to dispute it.
Product: Debt collection

I purchased a storage shed from XXXX XXXX XXXX in XXXX   Ks. I gave a {$200.00} deposit and {$160.00} which was the first months rent. I have had nothing but trouble with the creditor from day one. They have purposely tried over and over to inform me that I'm behind and they are coming to repo the shed. I have attached a copy of a letter from one of the multiple attorneys that XXXX XXXX XXXX   has had contact me. XXXX XXXX XXXX is the creditor for the shed. I have always paid the payments online well when I went on to the website to make my payment it told me that my account is invalid? So after numerous attempts to contact XXXX XXXX XXXX I finally was informed that I was several months behind and accumulated late fees. They changed my entire account numbers everything. And in the contract it states that NO changes are to be made without both parties hand written signatures. I will also attach emails from the company as well as a letter I received from Berman and Rabin PA stating that I have until XX/XX/XXXX to pay {$520.00} and then I can continue to pay my payments as if it never happened? It shows on the letter from Berman and Rabin PA that my contract began XX/XX/2015 it's a 3 year contract so that would mean pay the {$520.00} and there should only be 7 payments remaining. I tried to take care of the situation on my end only to be told that I would have to contact the office of Berman and Rabin PA but the letter from Berman and Rabin PA states that I need to get ahold of the creditor. Which is it? P.S they don't have any of the dates correct. XXXX XXXX XXXX  also informed me that Berman and Rabin PA would be contacting me on Thursday XX/XX/XXXXthey never did. And XXXX XXXX XXXX has locked out my online payment portal. So they have not even allowed me to speak with someone nor if I was to make a payment then HOW!?!?!
Product: Checking or savings account

Wells Fargo took my money out of my account for the mortgage I had through them. Then, they closed my account and foreclosed my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Southwest Credit Systems , LP XXXX XXXXXXXX XXXX  a Cease & Desist letter via certified mailed on XX/XX/XXXX, because they are inaccurately reporting a debt that I do not owe them. My letter was received by XXXX XXXX at XXXXXXXX XXXX on XX/XX/XXXX. They failed to send me : 1. Validation of the debt - that is, the actual accounting whereby your company has incurred a loss on the alleged debt. 
2. Proof of the existence of an account or contract, in the actual flesh and blood name, XXXX XXXX, duly signed and witnessed by both parties, not a unilateral agreement, and upon which signed page, there is a reference to the entire agreement. 
3. Verification of the claim against me ; that is, a signed invoice.

4. A copy of the contract binding both parties ( SOUTHWEST CREDIT SYSTEMS , LP and myself ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
5. Proof of claim that there is any lawful money in circulation backed by anything of value. 
In which they never responded with the information I requested, instead their response was sending me 5 XXXX statements . According to the FTC dated XX/XX/XXXX from Attorney XXXX XXXX XXXX Division of Credit Practices, the Fair Debt Collection Practices Act requires that the debt collector obtain verification of the debt and mail it to the consumer. Mere itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statue requires the debt collector, not the creditor, to mail the verification to the consumer.

15 USC 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

As seen in UNITED STATES OF AMERICA, XXXX XXXX XXXX XXXX, XXXX, a limited partnership, Case XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses.

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Cash app closed my account like 2 years ago. And since then I have been trying to get them to tell me what terms and conditions I violated and when I do talk to them they tell me they can't offer me any additional information as to why my account was closed. They will not allow me to open another one either. I feel as though I didn't do anything to violated the terms. I also feel as a customer it's my right to know what I did for them to just close my account without any reason from them as to why they closed it. It's my right to know why it was closed and if they can't provide me with a reason then they need to reinstate my account and compensate me for the 2 years I have been fighting to fight why they closed it
Product: Debt collection

I see that I have a debt in the amount of {$110.00} to Credit collection services from XXXX on my credit report but I have not received written communication or a phone call about this debt. I also never heard from XXXX about this debt. I have no way to contact them and have no idea why I have this collection on my account for owed money to an insurance company I had years ago. 

This is an unjust attempt of collecting a debt and a poor business approach. They have left me unable to do anything because I have no possible way of making contact with them to even find out what this debt is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XX/XX/XXXXto verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXX is XXXX, onXX/XX/XXXXis XXXX, and on TransUnion XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY PERSONAL CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, WITHOUT MY CONSENT. THE CHARGES ARE FRAUDULENT, I NEED THIS FRAUDULENT ITEM TO BE REMOVED FROM MY CREDIT REPORT.
Product: Credit card

My account with XXXX XXXX XXXX, now XXXX XXXX, is over XXXX years old and should be removed from my credit report. Also, they continually report that they wrote off my full balance of {$3300.00} which is untrue. I paid most of that balance in an agreed settlement as evidenced by the attached documents.
Product: Mortgage

This is my XXXX submission regarding Beneficial on different issues. They seem to respond only when I file with CFPB. We refinanced our Mortgage in XXXX to a local bank and still did not get the Released Deed of Trust. According to the new lien holders beneficial did not release the deed of trust and the payment has cleared.
Product: Bank account or service

This objection is at Citibank not adequate notice, promises breach, not applicable concealment, nuances, fiduciary breach and not suitable reimburse regarding various amounts require to law to reimburse credits placed on accounts, debit refund credits, monthly fee balance, bonuses, direct deposit credits, interes balance, and various deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations  [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action  ( or i n-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against Equifax,  XXXX  &    XXXX   for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am a cardmember of AMEX for 21 years. I have 2 Business Platinum products ; one of which I was recently solicited for with a points offer that was miscommunicated and misrepresented ; thus I wrote to the CEO of AMEX, XXXX XXXX, as I was getting nowhere with AMEX Membership Rewards. I was contacted by AMEX Executive offices after sending this letter ( fyi there is no way to phone and XXXX out to a human at the AMEX Executive offices after the initial contact ). While examining my complaint, the AMEX Executive offices somehow put my Membership Rewards Account in a " review status '' which has locked my rewards from being utilized for six to eight weeks. AMEX Customer Service can not unlock ; AMEX Membership Rewards can not unlock. I have spoken to numerous supervisors. I have spent a good 10+ hours of my time this week trying to escalate this issue. I opened report XXXX with Customer Service, I have emailed the executive offices ( XXXX XXXX - who was assigned to me ), phoned and left messages for this individual ( as you can not zero out ) ; as well as put a second written correspondence in the mail to XXXX XXXX. Still no resolution. AMEX is holding my rewards points hostage and I can not utilize them. Meanwhile, I have a Mother that is ill and I am trying to book a flight to see her ; but can not utilize my points. This is unacceptable service by AMEX,  specifically for a cardholder of 21 years with 2 Business Platinum products. Please seek resolution on my behalf. It is very possible that other cardholders have experienced same.
Product: Debt collection

Synchrony bank repeatedly made calls in an attempt to collect a debt that violates the FDCPA. Each of the dates listed below were dates the debt collector called TWO times each day. This specifically violates the FDCPA ruling " More than seven times within a seven-day period '', as this was 8 times within the seven-day period. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Please contact Synchrony bank on my behalf and request that they review their collections tactics as it is coming across as harassment.
Product: Money transfer, virtual currency, or money service

I opened an account in TRANSFERWISE LTD ( https : //wise.com/ ) in the name of the company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX with the email XXXX. 

In XXXX XX/XX/XXXX, they contacted me, to tell me, they were going to close my account. 

The account had a balance of {$15000.00} usd, which I requested in XXXX XX/XX/XXXX, to be transferred to a bank account in the name of XXXX XXXX  XXXX of the XXXX XXXX XXXX  XXXX 

In XXXX XX/XX/XXXX, TRANSFERWISE LTD, told me, through their support service, that on my refund, transfer # XXXX, had been completed on XX/XX/XXXX. 

The transfer did not arrive, the receiving bank says they have not received that money. I have requested the transfer receipts, the fedwire or imad code on many occasions by email, but I have not received any response from TRANSFERWISE LTD.
Product: Credit reporting

My Equifax credit score is XXXX points lower than the score of XXXX or XXXX. all the reporting agency credit reports contain the exact same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. 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 ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Student loan

I studied at XXXX XXXX, and received loans that I have paid off. The challenge I have is that the loan services have changed at least 3 times that I a aware of, so I think the loan information is not reporting accurately. I have called EdFinancial and requested the documents from previous servicer XXXX however, the agent stated that she did not have that information.