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

This letter is about the following accounts : COLLECTION : # XXXX, which you claim, I owe [ {$1700.00} or my account was charged off {$1700.00} ]. COLLECTION # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ] XXXX XXXX. # XXXX  which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ] This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. 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 Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 



Pending to 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 withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

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

this bill was mailed out prior to the due date, and was claimed to have never been received by Citi, I mailed all my payments on time with no other issues, mistake on their end and they were unwilling to assist.
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

XXXX XXXX XXXX {$0.00} XXXX  XXXX {$1000.00} XXXX XXXX {$5300.00} XXXX XXXX {$3100.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit reporting

Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit file that do not belong to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX **Diversified Adjustment Service, XXXX XXXX XXXX XXXX XXXX, MN XXXX **Reference Number : XXXX To Whom It May Concern, I am writing to dispute the debt referenced above, which you claim I owe to XXXX. I request validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide me with the following information : XXXX. The name and address of the original creditor. 
2. A detailed account statement showing how the debt amount of {$210.00} was calculated, including all fees and interest.

3. Proof that the debt was indeed assigned or sold to your agency.

4. Copies of any documents that show I agreed to pay the debt.

Additionally, as per the FDCPA, I request that you cease all communication with me except to provide the requested validation of this debt. Since this debt has not yet been reported to any credit bureaus, I also request that you do not report it until the debt is validated. Furthermore, I am requesting that you cease and desist from any further collection activities until the debt is properly validated. 

If you can not validate the debt, I request that you close this account and update any information provided to credit reporting agencies to reflect that this debt is invalid. 

Thank you for your prompt attention to this matter. I look forward to receiving the required documentation. 

Sincerely, *XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Vehicle loan or lease

I'm only trying to see if I am part of the complaint because I had a car loan from XXXX with Wells Fargo XXXX They possibly overcharged me with fees/interest I'm not sure ( XXXX  XXXX XXXX XXXX ). So I'm looking to see if I qualify or was unknowingly part of the issue of them overcharging clients.
Product: Mortgage

Homeowner 's policy was due on XX/XX/2017. Stonegate Mortgage did not submit the payment to the insurance company until XX/XX/2017. Today XX/XX/2017, I received a phone call from my insurance company stating that my insurance was in cancellation due to non payment. I have to pay {$330.00} out of pocket to keep my insurance active and will not be reimbursed until the insurance company receives the check from Stonegate. This is completely unacceptable way of conducting business to not submit my mortgage payment in a timely manner when the money is available in my escrow account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX I engaged in refinancing my mortgage loan to XXXX XXXX XXXX company. My previous lender Carrington Mort. Services is reporting no data payments from XX/XX/XXXX to XX/XX/XXXX this time frame my mortgage was in a forbearance status due to the unforeseen Pandemic period and I was also on a military XXXX. Upon returning from my XXXX I paid almost XXXX to close my forbearance and be current with my mortgage. Carrington took 2 billing cycles to get me out of forbearance, this complicated my refinancing and when ask to provide a payoff quote Carrington drag their feet and cause my closing date to delay with XXXX. This causing a late payment on my Credit report for XX/XX/XXXX. I did pay the payment one day late but at their fault, for not providing payoff on a timely matter which had made the closing on the refinance on time. 
I tried a couple dispute with XXXX with no success at all.
Product: Debt collection

CkS Prime Investments , LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Has been sending me a collection notice balance {$1200.00} The collection has reported as a pass due balance. I dont know this company. I have never done business with company. This company doesnt have a contract with my signature.
Product: Credit reporting or other personal consumer reports

XXXX and Experian Subject : Dispute of Civil Liability for Negligence and Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute an entry on my credit report related to the civil liability under section 1681O, specifically concerning negligence in reporting accurate information and its negative impact on my credit history. The information reported contains inaccuracies regarding late payments, inquiries, and the resulting credit score, which is significantly damaging to my financial standing.

The erroneous reporting of these items has caused my credit score to be negatively affected, making it challenging to secure favorable terms on loans, credit cards, and other financial opportunities. I believe this inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must maintain accurate and complete information in consumer reports. 

Specifically, I dispute the following inaccuracies : 1. **Late Payments : ** The record of late payments reported is incorrect. [ Provide details of the specific accounts and dates where the late payment is noted but was either not late or should not be reported. ] 2. **Inquiries : ** There are several unauthorized or outdated credit inquiries on my report. These inquiries were either not initiated by me or are beyond the permissible time frame for reporting.

3. **Credit Score Inaccuracies : ** The reported credit score is not reflective of my actual credit standing. The discrepancies in reporting late payments and inquiries have directly caused an inflated negative impact on my credit score. 

I request that these errors be thoroughly investigated and corrected as soon as possible. Please provide me with written confirmation of the results of your investigation and a revised copy of my credit report once the necessary amendments have been made. 

In accordance with Section 1681i of the Fair Credit Reporting Act, I expect that you will complete your investigation of this dispute within 30 days. If the inaccuracies are not corrected, I will consider pursuing legal action under section 1681O for civil liability related to the failure to report accurate information. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX 's security lapse I froze my credit account through an online automated system without the help of a real person. I have tried and tried and tried to speak to a real customer service representative at XXXX to temporarily unlock my credit but get nothing but automated responses. After an hour of truly agonizing and frustrating calling of various phone numbers posted, I got nowhere. I 'm sure you as the reader of this complaint have been in the same situation with some corporate giant. These companies must be held accountable and easily accessible since they control our lives. Please help force these companies to be responsible not just profitable.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of XXXX XXXX. I would like for all listed names, addresses, and accounts to be BLOCKED AND DELETED BY EXPERIAN as follows : XXXX XXXXXXXX XXXX XXXX Account XXXX- {$2500.00}, XXXX  XXXX XXXX XXXX {$33.00}, XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXXXXXX {$43000.00}, XXXX {$550.00}, XXXX {$720.00}, Inquiries-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I attempted to transfer {$9200.00} from PayPal into my connected bank account. I got a message that my account was frozen, and that my money might be held for " up to 180 days. '' There was no warning prior to this. To my knowledge I violated no policies. When I immediately started a chat with PayPal support, they said they couldn't tell me why my money was held or when it would be released. Subsequent phone conversations on XX/XX/21, XX/XX/21, and XX/XX/21 with PayPal staff yielded no more information. Meanwhile, I have had zero charge backs or complaints against me. Before this, I have successfully completed tens of thousands of dollars in transactions via PayPal over the past 12 years. 
I need my {$9200.00} released.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 XXXX XXXX
Product: Debt collection

Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Also this company isn't properly licensed and boned to collect by state.
Product: Debt collection

Ad astra recovery services, This collection company like the other collection couples that appeared on my report were asked to validate the account and also, conduct an investigation into my fraud claim of this account. 

A complete fraud packet that was sent to all collection agencies was also sent to this collection agency. Upon receipt of my fraud claim, this collection company failed to follow rules and regulations governed under the section 809 validation of debit. Subsection ( B ).

Deception clearly states, if the consumer notifies the debt collector in writing within the 30 day. Describe the sub section 8 that the debt, or any portion therefore, is disputed, or that the consumer requests is the name and address of the original creditor, the debt collector shall cease collection of all debt or any dispute a portion therefore until the debt collector of teens verification. This also means completed and Investigation if theres a claim of identity Theft. 

It has been verified by XXXX that no such action took place after my request.
Product: Checking or savings account

I received a check from my employer on XXXX  XX/XX/XXXX. Deposited it that same day XX/XX/XXXX. Next morning XX/XX/XXXX it looked like it cleared. Except I couldnt use my card. So I went into a branch XX/XX/XXXX. There I was informed that the account had been deemed fradulent and they were closing it. I was told that there was no way to withdraw my money. My only option was to wait until the account was closed ( teller was unable to tell me when this would be ) and wait for any remaining funds to be mailed to me in the form of a cashiers check ( again, teller was unable to tell me how long this would be ). 

The branch manager referred me to the fraud team. I called them immediately XX/XX/XXXX. The fraud team referred me back to the branch manager. For XXXX days I've been going rounds with them, both sides saying they have no information, cant tell me why this is happening, or refer me to someone who can tell me what is going on. All they can tell me that once they make the 'final decision ' on if they are closing my account of not ( no definite time ), they will mail any remaining balance to my home address ( again no definite time ). 

In the meantime, that's literally all my money. That was my paycheck. It was my rent money, and my car payment money. If this doesnt get resolved very quickly my car will be repoed and I am in danger of losing my housing. It was my cat food and groceries. I can't even afford to drive to work at this point. 

And no one will even tell me what is going on. I am so upset and frustrated at the level of incompetence and lack of communication and transparency.
Product: Student loan

My loans formerly serviced by direct loans have been transferred to Moela and not only do they stall and refuse to process my application for PSLF, TEPSLF ( loan forgiveness ) but did many years my three years of services in XXXX XXXX back in 2009 onward was not processed as qualifying payments and tge servicer is trying to beat me from qualifying from TEPSLF when I was inform gym. One their reps on the phone ( which I may be able to obtain transcript of conversation ) that when moela acquired my loan from direct loans the did not receive sufficient or accurate paperwork from prior servicer which that servicer has a lengthy history of being disgraced by other consumers and plagued with legal issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

According to 15 USC 1602, 15 USC 1635, 15 USC 1692, 12 USC 1431, 42 USC 408, I am the rightful owner of 2-Family Property. I acquired the property by deed. On XX/XX/2014, JPMORGAN CHASE BANK NATIONAL ASSOCIATION and XXXX XXXX XXXX  XXXX used my credit to establish an unlawful debt. And since then, has listed the property as a 1-Family, acquired my credit profile and furnished my credit information to several banks and servicing companies without my authorization or written consent.
Product: Debt collection

My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. 

Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. 

I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

My credit card bill was due in XX/XX/XXXX. I made the paid at XXXX on that day. OnXX/XX/XXXX I got a alert on my credit report stating that I was over the limit with my credit card. I was told in the past from first Progress as long as I make the payment by XXXX on due date there will not be a late fee. Which I did. This is a secured credit card and it 's really sad that they are taking advantage of me. It 's my money and even if I follow the guide I 'm still being held responsible. I have a copy of The payment made with XXXX apparently it 's a 3rd party company that excepts there payments. Which is still not my problem. They should not allow a system that they allow to except there payments make the customer late. Thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC Autopay XXXX XXXX XXXX, XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.
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 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 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 
THESE ACCOUNTS HAVE VIOLATED MY RIGHTS 15 USC 1681 602A STATES I HAVE A RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A SECTION 2. IT ALSO STATES NO CONSUMER REPORTING AGENCY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 USC 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 reporting, credit repair services, or other personal consumer reports

I received an alert for a credit inquiry on XX/XX/2023 for JPMCB CARD from XXXX and XXXX credit reporting company and immediately called to inquire why. I was advised that an application was submitted and I confirmed that it was fraudulent at which point the company advised me they will close the application and to give 60-90 days for the inquiry to be removed. I have continued to call JPMCB and they apologize and tell me that they are working on it but here we are XX/XX/2023 and the inquiry is still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notices from XXXX school loans that I had 3 outstanding loans and they wanted payment in XXXX ', I had not graduated high school nor ever applied for a student loan. I have contacted XXXX by registered mail 3 times. 
This is on my credit reports. 
I just received my XXXX  in XX/XX/XXXX again I have never needed a student loan. I am hoping you can review because this is a case of identity theft. i have asked XXXX for any signature pages and have never received any response of any kind My information is : XXXX XXXX XXXX dob:XXXX ss # XXXX i am hoping with the current situation with XXXX this can be cleared up