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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt Request for Deletion from Credit Report Dear Creditors, I am writing to formally dispute the alleged debt referenced in your recent communication. I have not received proper validation of this debt as required by law. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are obligated to provide detailed documentation supporting this claim. As of today, no sufficient proof or validation of this debt has been provided to me. Bellow are the alleged debts. 

Experian 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 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 Furthermore, I request that you immediately delete this disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681o, I am entitled to dispute any information that is inaccurate or unverifiable on my credit report. Since this debt has not been properly validated, it can not be considered accurate or substantiated under the FCRA, and therefore, it should be removed. 

Please treat this letter as my official dispute of the debt, and I request that no further collection efforts be made unless proper validation is provided. I also request that you confirm in writing that this item has been deleted from my credit report. 

I look forward to your prompt attention to this matter and a resolution in compliance with the relevant laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 my bank allowed XXXX transactions for the same amount and to the same place. Totaling {$1900.00} after the investigation they refunded me back XXXX transactions totaling {$720.00} the rest they said we're done by me. Which shows the level of incompetence. Reason 1 was because I shopped there before which is a lie. I never have. Reason 2 something about not changing my pin number. It says on the transaction debit used no pin so it makes no sense. I tried and tried to reach someone for at least a better explanation to no evail. Customer service isn't advance to explain things. It's been 3 months and I got no reasonable explanation. Also if I committed fraud why refund XXXX oh the transactions at all. Please help it's a lot of money they want to steal from me. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported my student loans as delinquent 90 days. I was never notified that they were out of deferment and forbearance. I was never notified that the loans were XXXX or 60 days late. This has negatively affected my credit report. In addition, I attempted to speak with a supervisor regarding my account. I was told someone would give me a call back. I am requesting for me credit report to be corrected.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63000.00} Late/Open XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX DEPTEDXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} Late/Open Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I consolidated all of my XXXX student loans with XXXX servicing. The new loan appears accurately on my report. However, my 12 XXXX loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are XXXX, Experian and XXXX, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX  XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Credit reporting or other personal consumer reports

Ive sent disputes to Equifax about my late payments not being late and them changing my account to paid as agreed. Ive asked for proof that my late payments were late. Asked for the proof that the company sent me a letter before 21 days letting me know my payment was late.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$120.00} XXXX XXXX XXXX  XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX Filed/Reported XX/XX/XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX  XXXXXXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$430.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. 

Personally, the debt have been charged off in XX/XX/XXXX. I suffered economic loss from XX/XX/XXXX forward to XX/XX/XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. 

I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I have tried to fix my credit report on Experian, Report Number XXXX Date Generated XX/XX/2023 my credit report from Experian includes my husband XXXX XXXX card debt under my name. have requested Experian to take my husband XXXX XXXX  debt from my report but Experian has kept saying that XXXX is my credit card. XXXX fixed this issue but Experian can not get the right information.
Product: Credit reporting or other personal consumer reports

I understand that according to FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you review the documents, please? There are inaccuracies in some of the listed accounts regarding their reporting. These accounts need swift removal.
Product: Credit reporting or other personal consumer reports

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 
Enclosures : XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Property receivable has placed me in collection for apartment complex that was not signed by me. 
Im requesting all documentations from this debt collector such as contract agreement with my information. I have not signed any contract with XXXX XXXX nor I lived in XXXX. 
I want property receivable to remove this debt from my credit report immediately or I will file a lawsuit in their county.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX
Product: Mortgage

I am using the online portal to make a payment, and I always get an RED ALERT ERROR. Says I must call in. Well that is simply ridiculous. This servicing company does everything it can to be difficult. I have been trying to pay this payment since XX/XX/XXXX. I have called and asked what the issue was. They did not know. The servicer then calls and asks why I have not paid. I tell them their system will not allow it. The servicer REFUSES to update my mailing address. While I still can get mail at my former address as it is a private mailbox, I want to discontinue the service and can not until this servicer will do what it LEGALLY should do.
Product: Payday loan, title loan, or personal loan

I have an installment loan with Ardmore Finance. It was passed due. My debit card was charged unauthorized {$65.00} on XX/XX/2022. I never authorize the company to charge my card. I am not on auto pay. And when I called the company today, I first spoke with the assistant manager. Assistant manager told me that my account was about to go to legal and that was the only way to stop it. When I asked if I had authorize the charge, she told me she had to check my account and call me back in XXXX minutes. In XXXX minutes the store manager calls me and and tells me that half of her office is on auto pay and somehow my information got mixed up with everyone else 's and my card was accidentally charged. She apologized and offered to refund me. But when I called XXXX other offices to verify if auto pay was even an option for customers, I was told " No '' by the managers. I was also told they were not allowed to give me the corporate phone number so I could talk to someone. I would only get a fax number so the complaint could be in writing. Unacceptable. So I am filing this complaint for XXXX reasons. 1. This charge was unauthorized and it is illegal. 2. I was lied to by the company about the reason my card was charged. Because I've worked in this industry before, I know that this is illegal.
Product: Mortgage

My husband and I recently refinanced with LoanDepot. I went to set up an account tonight for our mortgage online at their servicing website https : //loandepot.loanadministration.com/ and am not at all confident in their security practices. For example, they do not allow special characters in passwords, which is a standard security practice. Were this for any other financial product, I 'd " vote with my feet '' and take my business elsewhere, but I feel stuck with their inadequate web security practices, since they own my loan.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX & XXXX XXXX XXXX reporting agency 's, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an opened personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX under the account number ( XXXX ) .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX  ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that some one had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my XXXX home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.
Product: Debt collection

The debt collector in questioned is Transworld System Inc. They currently have possession of a debt from XXXX XXXX XXXX The amount owed is {$1900.00}. The only information given by an agent was the date it was opened ( 2018 ). And the service address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I never opened an account with XXXX 

This has been reported to the credit bureau XXXX as fraud.
Product: Debt collection

Paragon revenue group repeatedly contacts me before XXXX XXXX and I asked them to stop contacting me as I do not owe them anything. They contacted me most recently XX/XX/2023 at XXXX XXXX and when I called back to request they stop calling me because they were not allowed the lady told me yes we absolutely can call you before XXXX. I told her you are now allowed by law to contact anyone before XXXX and she got rude with me, laughed at me, and hung up after I told her to stop calling me and to mail any information that needed to be communicated. They also called me XX/XX/2023 at XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account on my consumer report that I am highly displeased with. This account has tremendously decreased my credit score. I was trying to get a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to get a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 5 16815-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to get my family a house.
Product: Student loan

XXXX has failed me at every stage of repayment. 

XXXX has violated the Fair Credit and Reporting Act ( FCRA ), Fair Credit and Reporting Act ( FCRA ) intended to protect consumers like me. XXXX should note that this is a case of financial mis-selling. 

XXXX engaged in knowing misrepresentation - the harm threshold is necessary for a lawsuit, given the present demonstrable actual damages and future damages. It is evident that I will suffer real damage as a result of this misinformation from XXXX. 

On XX/XX/2018 I called XXXX at XXXX XXXX I spoke with XXXX   representative ( ID # XXXX ). I believe XXXX has a record of this call and the other calls I made in XXXX. If not, I can send XXXX my copy of the recorded call. I still haven't received any information from XXXX stating the XXXX payment has be correct from {$750.00} to {$270.00}. XXXX informed me when I called that the XXXX payment will be corrected from {$750.00} to {$270.00} because XXXX made a mistake by not sending me a notification of denial letter, informing me that my Public Service Loan Forgiveness recertification application had been denied. It's been 2 months and I still haven't received the letter with the adjusted XXXX payment of {$270.00} as promised by XXXX. I have sent 3 separate emails to XXXX and no response. Instead, XXXX has sent me a delinquency notification dated XX/XX/XXXX, because I informed XXXX that I am waiting to receive the letter with the corrected payment of {$270.00} or {$320.00} for XXXX before making payment. XXXX still hasn't sent me the letter with the corrected payment amount. Instead the have received the following letters from XXXX : Loan Sequence : 1 Financial Transactions letter dated XX/XX/2018 An approved interest capitalization letter dated XX/XX/2018 A second delinquency letter dated XX/XX/2018
Product: Debt collection

In XXXX/XXXX/XXXX I received a letter from Midland XXXX XXXX stating they had made several attempts to contact me and they were in the process of suing me. The letter also states " this may be your last chance to work with us before the account goes to an attorney. The amount on the accounts were {$5300.00} and {$2700.00}. In XXXX/XXXX/XXXX I called the company and they directed me to an attorney 's office in AL to handle the payments. Called the attorney company and made a agreement to Pay to Delete since I 'm shopping for a home loan. XXXX/XXXX/XXXX made the payments and both I and the agent and XXXX agreed to {$1400.00} and {$2700.00} to have the collection settled and deleted. In XXXX, XXXX I called to ask them why has n't it been removed from being reported and they told me give us XXXX days and it will be removed. In XXXX, XXXX I had my credit pulled thinking I gave them enough time to remove the information from my credit report to only find out it 's still up there. I record all my telephone calls to the CA and attorney office. I just want this to be fixed so I can buy a home for my family. Due to my sons being XXXX we have to modify our home.
Product: Credit card

I have consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.