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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request to Remove XXXX XXXX XXXX, and SPRING OAKS CAPITAL LLC Dear XXXX, I am writing to formally dispute the inclusion of XXXX XXXX XXXX, and SPRING OAKS CAPITAL LLC on my credit report. I have notified this debt collection agency that I do not intend to pay the alleged amount listed on my file. Furthermore, I have not received any written validation of this debt as required by 15 U.S.C. 1692g under the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S.C. 1692g ( a ), a debt collector is required to provide the consumer with a written notice within five days of the initial communication, containing : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement of the consumer 's right to dispute the debt within 30 days.

4. A statement that upon written dispute, the debt collector must provide verification of the debt or a copy of a judgment.

5. The name and address of the original creditor if different from the current creditor.

To date, I have never received such a notice, which is a direct violation of the FDCPA. Without proper validation, this debt must be considered invalid. Additionally, under 15 U.S.C. 1692g ( b ), debt collectors must cease collection efforts until they provide verification of the debt.

In conjunction with 15 U.S.C. 1692c, which protects consumers from further communication upon written request, I am demanding that XXXX XXXX XXXX and SPRING OAKS CAPITAL LLC cease all collection activity and that XXXX immediately investigate and remove this entry from my credit report. 
Please consider this letter as my formal dispute under the Fair Credit Reporting Act ( FCRA ) and request for reinvestigation. I demand written confirmation once the disputed account has been removed from my report. If XXXX requires further information to process my dispute, please contact me at the address provided above. 
Thank you for your prompt attention to this matter. I look forward to your response within the statutory 30-day period. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. XXXX is the inquiry that is still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry : XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL XXXX  } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/2022 } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal data and allowed my data to be distributed in a data breach.
Product: Credit reporting or other personal consumer reports

I filed a complaint about Experian, using my personal information without my consent and constantly keep marketing to me. You sent complaint to wrong company and sent it to XXXX XXXX XXXX XXXX instead. Complaint was for Experian. And for XXXX XXXX XXXX XXXX, they are reporting a negative account that have been closed for over XXXX which violates the FCRA
Product: Student loan

When I have a little extra money I want to apply that extra to one of my loans that has the highest interest rate and the lowest balance. When I made an extra payment instead of putting it towards principle it had advanced my payment due date out so I did n't have to pay on the loan for months. I found out this was happening when I reapplied to the income based repayment program and it was declined. I was told every time I made an extra payment I needed to contact navient and ask them to apply my payment the way I want them too. It was so much hassle to do that and people were getting it wrong and not understanding what I wanted that I gave up. I was able to get that particular loan down to almost {$500.00} and since I gave up on the extra payments it is now around {$800.00}. I set up auto payments because it is too XXXX to look at all the loans. I have way more loans than I should and feel there was something odd going on while in school and it caused me to get more loans than I should have. I started going to The XXXX XXXX XXXX Minnesota, XXXX XXXX online division and the XXXX XXXX online division. I feel the XXXX XXXX kept making loans in my name withought signing anything because I rarely had to agree to new loans and just remember signing stuff when I first started but not after that. All of a sudden I have {$71000.00} I owe and have an XXXX degree.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT CORP SOLUTION. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XX/XX/2021 - Collection appeared on Transunion credit report from XXXX XXXX XXXX XXXXXXXX ( Original creditor - XXXX  ). I have no affiliate with neither XXXX XXXX XXXX XXXXt nor XXXX. 

2. XX/XX/2021 - Contacted XXXX XXXX XXXX XXXX for evidence but was not provided any 3. XX/XX/2021 - Filed complaint against XXXX & XXXX XXXX with XXXX  4. XX/XX/2021 - File dispute with Transunion to remove erroneous information 5. XX/XX/2021 Transunion sent closed dispute stating that the information was verified and accurate XXXX. XX/XX/2021 A Desist and Refrain Order was placed against XXXX XXXX XXXX XXXX by The Commissioner of Financial Protection and Innovation I have no additional evidence as this account does not belong to me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/2024 This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXXXXXX  late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Student loan

On XX/XX/year> I enrolled in the A+ Certification program at XXXX. Thereafter, I was unable to access their Online Program. Despite calling their Support line, I was unable to access their program. On XX/XX/year> I emailed my Instructor XXXX XXXX XXXX that I would like to Cancel Out of the Program. I was told by XXXX XXXX XXXX to contact the Financiers of my Loan. Launch Servicing.

Upon contacting Launch Servicing I was told that I could not Cancel as the 8 Days deadline for Cancellation had already passed. A quick note, On several occasions upon contacting XXXX Customer Service, I have been hung up on.

I have contacted Launch Servicing in writing of my intention to Cancel Out Of the Program. I have contacted XXXX and Launch Servicing after exchanging several emails.

WHAT I WOULD LIKE TO HAPPEN ; At this time I would like that Launch Servicing stop harassing me to collect on the Tuition. I have stopped using the XXXX services/portal. I would like to formally complaint that Launch Servicing Cancel me out of the program and stop Collection Notices. I am a Senior Citizen on Social Security.
Product: Credit reporting or other personal consumer reports

I was living at XXXX XXXX in XXXX Colorado going month to month. Just recently i chef my credit report and it showed hunter war field was saying i owe {$10000.00} for eviction. XXXX XXXX should have the month to month lease but they won't get bs k to me.
Product: Credit card

I conditionally accept your offer upon proof of claim that JPMorgan Chase N.A.can provide the original charging instrument for the above mentioned accounts, pursuant to the UCC you must be the holder in due course of the original charging instrument otherwise you may not make a presentment. If you provide the original charging instrument, I will gladly pay the remaining alleged balance. In addition, I conditionally accept your offer upon proof of claim, you provide the 1099-OID which shows who the repentant and issuer of the funds are because it is to my knowledge that I am the issuer of said funds.
Product: Checking or savings account

I am a former MBNA and Bank of America employee. As a legacy MBNA employee, I was awarded XXXX separate XXXX XXXX XXXX XXXX XXXX from MBNA for the birth of my children. The {$2500.00} accounts mature after 18 years for each child. The accounts were granted at the XXXX XXXXh for each of my now adult children. Account numbers : XXXX XXXX # XXXX and XXXX XXXX # XXXX. 

I am an existing Bank of America XXXX Merril Lynch XXXX client. I have attempted to contact both Bank of America and Merrill Lynch to transfer the funds of the XXXX 's into my childrens existing Merrill Lynch  XXXX accounts. I have called the XXXX Banking, Customer Service, Merrill Lynch Customer Service, and several former co-workers/ family including ( XXXX XXXX ). I went to the XXXX XXXX XXXX in DE, and was advised that they would need to follow the MBNA escalation process as this is a 'common issue. ' I was advised that I would receive both a phone call and email from the appropriate department to assist with my request. I was advised by phone and in XXXX that the employees were not able to search for the XXXX 's under my children 's Social Security XXXX. I have not received any response after multiple to reach the Bank. I am hopeful that Bank of America can research for the accounts that they have lost record of, which is apparently a common problem.
Product: Payday loan, title loan, personal loan, or advance loan

Send written information and correct amount to the address posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

I must bring to your attention that I have repeatedly notified the XXXX credit bureau to update my credit profile accurately and accordingly. Yet, to my dismay, you have failed to do so. It is my hard-earned reputation that is at stake here, and your negligence to take necessary actions is unacceptable. I have several accounts on my credit report that are being fraudulently reported as a result of identity theft. It is distressing to note that among all the credit bureaus, XXXX is the only one that has not rectified this issue. I demand you to remove the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Saturday, XX/XX/2019, I went to XXXX XXXX, XXXX, NY ; XXXX XXXX   for a dress. I was charged {$41.00} ; I was credited and charged a second time, then was unable to be charged. I called Chase and the customer service representative said that there was only one charge made at XXXX XXXX. I left the store and checked my Chase Bank account ( checking/Visa ) Sunday and Monday XXXX XXXX/XX/XX/XXXX, my account ( checking/Visa ) was still correct. 
On Tuesday I went to get a coffee and the XXXX XXXX cashier said my card was declined! I looked online and saw that my account was ( minus ) {$18.00}! I l called Chase Customer Service @ XXXX ; she said I had to file a claim because the store had charged my 465 times {$41.00} and CHASE LET IT HAPPEN! Chase called me back at XXXX XXXX and the claim rep said I had to call XXXX, that they can not do anything.. I let her know that I expected my money back and let me know what was going to happen. I spoke to XXXX at XXXX, the District Manager, XXXX answered, I told her what happened she said she would speak to her Manager and get it figured out. I waited and neither company called me back. At XXXX I called Chase and XXXX and left messages. I called Chase back and was given to a Claims Supervisor, XXXX, she stayed on the line with me for about 1:30 minutes working on resolving the issue but was unable to do all of the reversals because her computer would not let her access that many. I asked for her to call me back when it was figured out, she said probably not till Friday. I have NO MONEY, NO CHECKING ACCOUNTNOTHING! 
I spoke to XXXX corporate office in California and XXXX XXXX was trying to figure out a way to have my money refunded to my account that same day, Tuesday XX/XX/2019. He stayed to contact with me and had a meeting with Chase. Later that night around XXXX money had been credited to my account. I checked that next day Wednesday XX/XX/2019 and it was a little bit off but seemed as though everything was getting settled. Then I woke up today Thursday XX/XX/2019 and my account is now minus XXXX. XXXX is still charging me over and over again for the same dress, the same transaction number and it is not stopping and CHASE IS STILL LETTING THEM AND NOT EVEN CALLING ME! You will see some of the thousands of transactions being made. I included several pages but not all because the first time it was 465 times at XXXX and now today 1,000 times at XXXX!! 
This is why I am contacting your department. Please help me. I have NO MONEY, NO GAS IN MY CAR AND THEY ARE STEALING FROM ME! 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$12000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
These accounts is incorrectly being reported as a charged offs and is a result of a data breach and or identity theft. Please provide proof of the charge offs and update the balance to {$0.00} or delete the negative payment status on this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

Possible Finance XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted POSSIBLE FINANCE and asked for them to investigate and remove the inaccurate account ( XXXX ) from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report.
Product: Debt collection

SECOND ROUND LP is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Product: Mortgage

In response to LOANCARE, LLCs correspondence dated XX/XX/2021 ( see attached ), the information they provided is still incorrect. Loancare does not keep accurate book keeping or accounting. My issue has still not been resolved. Loancare stated that my escrow account is short by {$1500.00}. 

On XX/XX/2021, I made a payment of {$2800.00} ( see attachment ), which LOANCARE did not apply to my account. The payment is sitting there because their system was not properly updated with my correct mortgage amount due monthly. Because of their slothfulness in updating their systems, it has caused the payment to not apply. Again, on XX/XX/2021, I made a payment of {$2800.00}, which LOANCARE has not applied to my account. The funds were deducted from my XXXX bank  account on XX/XX/2021 ( see attachment ). Also, on XX/XX/2021, LOANCARE sent me an Escrow CHECK for {$5800.00} ( see attachments ). In the correspondence dated XX/XX/2021, they stated that I am short in escrow by {$1500.00}. LOANCARE shouldve never sent me a check for {$5800.00} if I would be short in my escrow. My payment should be {$2800.00}. It should not be {$2.00}, XXXX. Again, LOANCARE should be shut down for the mishandling of several hardworking Americans mortgage accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to resolve issues with incorrect information on my report. The credit bureau ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. This inaccurate, fraudulent descriptor negatively impacts my credit worthiness and ability to obtain additional credit or credit increases. 
My consumer rights have been violated and FCRA guidelines have been blatantly disregarded by credit bureau ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors - as they are blatantly false and inaccurate.
Product: Mortgage

I contacted Flagstar Bank, the holder of my mortgage, on XX/XX/XXXX to discuss refinancing and spoke to XXXX XXXX. We verbally agreed to pursue a refinance and I applied, sent in documents, etc. Due to long delays in communication from XXXX, and the loan processor XXXX XXXX, my closing was not scheduled until XX/XX/XXXX. I was already very frustrated at this point as waiting for the refinance to close was negatively affecting my overall finances. However, two hours before closing, I was notified that Flagstar did not have the final closing disclosure ready due to still not having the payoff document from my HELOC ( which was their responsibility to acquire. ) We had to cancel the closing and now, XX/XX/XXXX, two WEEKS later I still do not have a rescheduled closing. My credit score has dropped while I've been in this financial limbo, rates have risen, and Flagstar 's incompetence has XXXX XXXX XXXX