23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found errors. 

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit card

I submitted claims with the Delta American Express Fraud Department in XXXX, XXXX and provided all of the supporting documentation to ensure that Delta American Express would process the fraudulent amounts off of my account. However, they did not process the claims, nor did they attempt to process the claim. They simply denied the claim without due process or review. Multiple attempts to contact Delta American Express went unanswered with no recourse. They closed my account and placed the account in collections despite the attempts to contact and provide the documents again. 

XXXX proceeded to send me a tax statement showing that the charged-off amount was written off, however they refuse to remove the collections amount from my credit report as well. 

Additionally, Delta American Express refused to follow SCRA guidelines and Laws and make the proper adjustments to my accounts.

I would like for Delta American Express bank to refund me all of the money owed to me with interest, provide all documents and adjustments needed to rectify the damage that has been caused to my credit. I would also like my Delta American Express Credit Card Account privileges reinstated should I ever desire to apply with this company in the future.
Product: Credit reporting or other personal consumer reports

They have reported inaccurate information to the three credit bureaus.

One report states that the account was closed and the last payment was made on XX/XX/2023 and late payments are XXXX while reporting to another bureau that the last payment and account was closed XX/XX/2023 and late payments are XXXX
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know 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 Experian, 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 no 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 : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unverified and unauthorized hard inquires onmy transunion credit report. I have disputed these items several times however they will not remove them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, social security number ect were used in identity theft rheir for i can't apply with postmates
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by XXXX, remains on experian and XXXX XXXX : XXXX, DELETED by XXXX, remains on XXXX and Experian
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Bank account or service

On XXXX XXXX 2016 two payment were made from my account # XXXX for {$60.00} # XXXX for {$100.00} I had a deposits that day that covered all the payment I made. I did some shopping. Leaving my balance at {$29.00}. On XXXX XXXX a payment went out for {$54.00} leaving me with a negative balance. Not a big deal seeing home I had XXXX direct deposit getting ready to go through. At XXXX I checked my balance it was over {$900.00} showing both my deposits and no over draft fees. The chase employees have always told me that as long as the deposit is in the account prior to XXXX there would be no over draft fees. At XXXX the account showed everything going through fine. The next day they hit me with XXXX overdraft fees totally {$100.00} dollars. XXXX of the items causing the overdrafts were items that has went through days prior at which time they went through the amount was deducted from my account at that time. And the balance in my account reflected those deductions days prior. After going through all my transactions I learned that the actual over drafted amount of {$54.00} dollars that I was worried about causing a fee went through fine no overdraft fee. Instead they shuffled my purchased using my previous balance before the deposit on XXXX XXXX. They used the biggest transaction I made on XX/XX/XXXX to put my account in the negative the then shuffled my transaction that had clear days prior to negative transactions and charged overdraft fees. Chase bank manipulated my transactions to benefit then and to drain my account.
Product: Mortgage

Hello, CFPB. I am writing to you today to report multiple violations to the Fair Credit Reporting Act committed by Wells Fargo. My account information is the following : Wells Fargo Home Mortgage account # XXXX, opened : XX/XX/2017, original balance {$380000.00}. 

Wells Fargo is reporting a late payment on this account. This is a BANK ERROR. I made my payment on time and now they are stating that my payment was applied to another account that does not exist. They were unable to explain the reason why I have 2 profiles on their system. Also, they did not update my personal information ( phone number ), stating that they were not able to do it by phone. 

This company is being negligent an unfair by reporting a late payment on my account that shouldt be there. They are being NEGLIGENT, UNFAIR, they have failed to conduct a reasonable investigation on my account. 

This issue is highly affecting my health, and my score cant go up because of their error! I've lost, and several lines of credit I've been turned down for because of this issue. 

Please send the attached documents to Wells Fargo.
Product: Debt collection

One Main Finacial calls and emails almost every day for a missed payment. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, phone number XXXX. I plan on paying the date when I get paid but the excessive calls starting at XXXX XXXX XXXX XXXX XXXX XXXX are unnecessary. It is harassment. I don't need a reminder every day to pay. The branch a manager and associates are both responsible for the calls.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} - previously Late Open XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

In about XXXX of XXXX, I discovered an account from LVNV Funding LLC on my XXXX credit report. The account referenced an original creditor called XXXX XXXX XXXX, with whom I have never opened or had an account. I wrote directly to LVNV Funding LLC on XXXX XXXX, XXXX and on XX/XX/XXXX regarding this account. I informed them that the account was not mine and was fraudulent. I did not receive a response to either of my letters, which the United States Postal Service confirms was received by LVNV Funding LLC both times. I have also written several dispute letters directly to XXXX. To this day, LVNV Funding LLC is reporting this account on my XXXX  credit report and refuses to remove this fraudulent account. LVNV Funding LLC also continues to report updates to my credit report regarding this account, even though any and all collection activity should have stopped after I sent them the first letter. Until they actually respond to any of my letters, all of this collection activity against me is illegal and violating the Fair Debt Collection Practices Act as well as some of my own state 's laws.
Product: Debt collection

I file bankruptcy in XXXX # XXXX I had my bankruptcy dismissed. I disputed this bankruptcy with XXXX, XXXX, and XXXX XXXX XXXX. XXXX took it off my credit report by the XXXX of XXXX. I check my credit report again and it's back on my credit report by Credit Acceptance which I paid off through a collection Agency. I am trying to clean my credit to be able to someday purchase a new home or another car. Any assistance from the CFPB is appreciated.
Product: Mortgage

I accidentally sent in two mortgage payments and when I realized what I had done, I asked the company to reimburse me a payment. They initially agreed and told me that it would take 5 business days. Those days have passed and I reached out to them and was told that the request was rejected. I asked to speak with a supervisor that never came to the phone, and I was on hold for 30 minutes. This has caused other bills to go unpaid. I am under a lot of stress and my husband is a XXXX veteran that has to have constant care. We are on a fixed income. The company never reached out to me to inform me or explain why my request for a refund of one payment was rejected. The company is PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Company number is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had XXXX days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has XXXX days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX oes not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

On XXXX XXXX, 2017 I received a notice from Bank of America on my equity loan claiming that I applied for loan assistance for this loan ( which I never did ) that I missed payments when I am on auto debit from my checking account ( never missed any payments ) and that I am subject to foreclosure if I do n't complete their borrower response package ( when I never did any such thing ). All proof of statements are attached.
Product: Student loan

- I submit request to switch to SAVE plan on student aid.gov on XX/XX/XXXX - Nelnet received the application on XX/XX/XXXX - sent me email on XX/XX/XXXX stated still processing and nothing I need to do - today its still not switched to the new SAVE plan. 
- when I called, the rep said they need my current paystub to calculate AGI but I told them they should have that from my XXXX tax return. They still insist me to submit the paystub. When I ask why I didnt received any communication about submitting the support document. She said it was sent out on XX/XX/XXXX which simply not true because I only see email confirm they received my application on XX/XX/XXXX and an email on XX/XX/XXXX stated I didnt have to do anything. They are giving me hard time while they can simply just use my tax return XXXX to calculate that already got pulled from IRS and lied that they sent out email to request me submitting the current paystub. 
- Now they said it will be XXXX  days to process but when i call to follow up, the rep didnt see the application is currently processing? 
- what are they doinf? playing with my money?
Product: Debt collection

On XX/XX/2022, I contacted The Best Service Company regarding an account that appeared on my credit report with a balance of {$430.00} and I requested the name and address of the original creditor. I then followed up with The Best Service Company on XX/XX/2022 as I was still unclear about this item and I requested an itemized statement breaking down the balance they claimed I owe. 

In their response to me dated XX/XX/2022, they stated that based on their review, they decided that I owe this debt and that I have no valid reason not to pay it.I was provided the name of the original creditor, an account number, and The Best Service Company concluded that my dispute is not valid based on the information that had been provided. 

Upon reviewing the same documents that were supposedly used to verify this debt, how did The Best Service Company come to the conclusion that I owe {$610.00} when the ending balance on the documentation and the balance on my credit report show different amounts?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents. I want to remove that was added to my account without my consent.
Product: Debt collection

I wrote LENDMARK for validation of debt around XXXX but they refuse my letter. my post office is my witness and can verify. 
Now this company is saying i owe them but have no idea who this company is never dealt with them
Product: Credit reporting or other personal consumer reports

According to section [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit reports however are still inconsistent and showing inaccuracies. Let it be duly noted CREDIT REPORTS DO NOT ISSUE FULL ACCOUNT NUMBERS for security & fraud purposes. ( XXXX ) XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phn # XXXX ] Balance {$700.00}. Inconsistencies shown for payments made said to be late on XX/XX/XXXX & XX/XX/XXXX. Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX VA XXXX Phn # XXXX ] Balance {$160.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. ( XXXX ) XXXX XXXX Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed was changed & DOES NOT SHOW for this account. XXXX {$20000.00}. ( XXXX XXXX XXXX XXXX XXXX. Account # XXXX Address [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, Phn # XXXX ] Date Opened : XX/XX/XXXX. Date Closed : XX/XX/XXXX XXXX {$0.00}. All of these items show for a XXXX XXXX XXXX. My name is XXXX XXXX XXXX '' XXXX. This could potentially be someone else, giving me additional questions to validity of this report.
Product: Debt collection

I was called on XX/XX/18 from a company going by the name " XXXX XXXX XXXX '' about an alleged overdraft amount of {$320.00} sent to them for collections from an old Wells Fargo account I had almost 10 years ago. They told me after fees the amount went up to {$580.00}. They followed that up with an offer to take off {$180.00} if I paid the remaining {$400.00} today. If I didn't then there would be legal action against me. It all began with someone calling me telling me important documents were waiting for me and they were quick and got me very nervous. It felt very sketchy. They rushed off after telling me to call XXXX regarding file # XXXX. I spoke with an " XXXX '' at that company and she told me that I had to pay. Her number is XXXX. Because it felt so odd I went to Wells Fargo to talk to them about this. The personal banker I spoke with spoke to someone and they told me that it looked like a scam. They said that they had no records of debt or anything sent to collections or any other 3rd party. Wells Fargo confirmed that I owe them no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

The company, New American Funding, received funds and held them for payment without applying to mortgage payments owed ( XX/XX/XXXX ). Company did not process borrower assistance packet at all ( XX/XX/XXXX through XX/XX/XXXX ). Misrepresented actions they would take when processing the borrower assistance packets, specifically not reporting derogatory information during delays in processing by the company ( Company placed home in pre-foreclosure after complete borrower assistance packet had been received and before being processed ( XX/XX/XXXX ). When consumer disputed credit reporting, late payments and pre-foreclosure notice, the company took more than 30 days to deliver a response ( XX/XX/XXXX ).
Product: Debt collection

On a recorded call approximately XX/XX/25, Genesis representative tried to belittle me by stating hows not paying working out for you- you able to get trade lines. Then he raised his voice and stated Fine, you know what- were not going to cut you a deal and were going to continue to report against you!

This language was abusive in nature and directly violates the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about an car dealer submitting my credit to banks when I did not authorize it. And your company denied my request to have them removed. Like i stated in the last complaint that I DID NOT AUTHOIRZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX XXXX BECAUSE I ALREADY HAD A PREAPPROVAL FROM XXXX XXXX!!! But whoever responded to my comlaint did not read it!! ILL SAY AGAIN THAT I DID NOT AUTHORIZE THEM TO SEND MY CREDIT TO ANY BANK OTHER THEN XXXX AND I TOLD THE SALESMAN THAT AND HE AGREEDED NOT TO. THEY ARE DOING SHOTTY BUSINESS!! I WILL FILE SUITE AGAINST EXPERIAN AND THE CARD DEALER IF I HAVE TO!!
Product: Debt collection

There was a police report filed on XX/XX/2019 reporting the scam. Person had access to my bank account at the time. Report XXXX. XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have a letter dated in XXXX  stated that a XXXX 's account has been deleted from my credit profile. XXXX, XXXX and Transunion still continues reporting negative on my credit profile.