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

Equifax was hacked recently and I through their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) I was informed that I was affected. My social security number is no longer safe and potentially at risk.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collections account listed on my credit report. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.
Product: Mortgage

This is a VA Loan XXXX XXXX is a Veteran. We talked to BSI Financial Servicing around XXXX, 2019 and several several several years several times prior and asked if we could speak to the department that handles Modifications they said they do not do Modifications. We wanted to do a Modification of the VA Loan from 6 % to the current market rate 4 % or what ever is was at that time. We did not want to change any of the terms other than the interest rate as we have only 6 to 8 years to pay this loan off. They said they only do refinances for a 30 or 15 year loan. We were struggling at that time as the XXXX XXXX XXXX XXXX was taking a down turn in which we work. 

Our prior professions were in the XXXX XXXX XXXX I worked in this profession for over 36 years XXXX XXXX, XXXX XXXX, whether it was a XXXX, XXXX, XXXX or XXXX. I have closed more properties that you can imagine.

Now we are really struggling due to the Cornavirus Pandemic and the XXXX XXXX XXXX is the worst it has ever been, gas stations are selling gas where we live at {$120.00} per gallon. We have been calling the for the past few months and leaving detailed messages the recording says they will call you back in one business day. They have never called us back and the recording will hang up on you. They also messed up our escrow account last year and this year they increased our monthly {$300.00} that is crazy they said they were sorry, they have also messed it up in the past several times. We have worked hard to get this house paid off not to increase the mortgage. We asked them how is the owner of the loan and the phone number, address and could not get a answer from the. The prior servicing co. was XXXX  XXXX XXXX we never had any problems they are one of the best banks and lending companies. We are not going to go on their web sites as the are just a bill collector wanting more information. BSI Financial Services, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX they need to get it together and been more professional. We need help from you on getting them straight and doing our Modification or the Owner of the loan. I used to XXXX XXXX XXXX XXXX for lenders and work with the client to sign and record it of record. It only take a few minutes to XXXX XXXX XXXX. Please help us we want them to do the right thing or lead us in the right direction. We wish they would respond as follows : Thank you for your sacrifice, your bravery, and the example you set for us all. In short, thank you for your service! To all those who have served, and those who continue to serve. Kindest regards XXXX & XXXX XXXX - XXXX. VA rates are about 3.500 % now. We are not in this for them to make more money from us but to lower the VA rate and pay this loan off. Its secured by a VA Certificate of Eligibility.  We need your help. XXXX & XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their failure to remove fraudulent information from my credit report and their violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I have asked Experian to remove the XXXX XXXX XXXX XXXX, OH XXXX address, which is not mine, and the XXXX XXXX XXXX, which has been inaccurately reported. 

Despite providing documentation, including an FTC Identity Theft Report and a signed affidavit, Experian continues to report this fraudulent address and the XXXX XXXX XXXX XXXX XXXXXXXX. I previously disputed this account, and while Experian initially removed it, they have since reinserted the account without notifying me of the reinsertion in compliance with the FCRA. 

Violations of the FCRA : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information once notified of my identity theft status. Despite submitting all necessary documentation, the fraudulent account and address remain on my report. 

FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Experian violated this section by reinserting the XXXX XXXX XXXX  without notifying me within XXXX XXXX XXXX of its reinsertion. This action is illegal and requires immediate correction. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have requested method of verification for the XXXX XXXX Account, and Experian has refused to provide it. Without this verification, they are obligated to remove the account under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.  XXXX   XXXX   XXXX  and  XXXX  is listed  4  separate times and none of the accounts are mine.  XXXX   XXXX   XXXX  is also listed. This is not my debt and I have no knowledge of it.  XXXX   XXXX  is listed, this is not my debt and I have no knowledge of it.  XXXX   XXXX   XXXX  is listed. I have no debt with this company and have no knowledge of it.  XXXX   XXXX  is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an unpaid loan on my credit report. This particular loan is the sole responsibility of my ex-husband, XXXX XXXX XXXX. I have disputed this account several times, but XXXX XXXX XXXX refuses to take it off my credit report. I am attaching documentation that proves that this account is his sole responsibility.
Product: Money transfer, virtual currency, or money service

I AM WAITING FOR MORE THAN  360 DAYS. PAYPAL CLOSE MY ACCOUNT  WITHOUT ANY REASEON.
PAYPAL SAID  AFTER THE SECOND REVIEWER  MY MONEY WILL BE RELEASE  .
AT THIS TIME I NEVER RECEIVED ANY CHARGE BACK INTO MY ACCOUNT.

I WILL APRECIATE IF PAYPAL RELEASE MY MONEY.
PAYPAL HOLD THE MONEY AND THEY MADE MONEY FOR HOLD BY 180 DAYS  BUT THAT EARNING DO NOT SHARE WITH ME .

SO , I HOPE YOU ABLE RELEASE MY MONEY NOW .

PAYPAL SHOULD NOT LIE TO PEOPLE , JUST RELEASE THE MONEY OR MADE ME A REFUND.

XXXX
Product: Student loan

I have been working with XXXX XXXX to update my forbearance application for over a year. I emailed several applications and submitted all of the documents they requested. I called in several times to ask why my application was delayed in being reviewed and the customer service agent said that the form was illegible. I was able to look at the documents that I submitted and they were uploaded directly from my computer. They delayed in processing my application and then reported it late. My application was finally approved for a temporary forbearance but they had already reported it late. Their internal department keeps updating my mailing address to my XXXX sister 's home. I did not receive the statements. They were not authorized to update my mailing address.
Product: Credit reporting or other personal consumer reports

The following accounts that are listed below are violating my right to privacy under 15 USC 1681 section 602. 15 USC 1681 section 604 also states that a consumer reporting agency can not furnish an account without my written instruction. Lastly, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. So in short it is illegal for your company to report late payments and I will take Legal action if the late payments that are reported to these accounts aren't UPDATED to current status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This credit company mailed me a letter after the dispute stating that they would delete this inaccurate collection : XXXX XXXX # XXXX on XX/XX/2023 from my credit report, yet it is still on there. Ive reached out to them several different times to get this extremely damaging inaccurate collection off of my report.
Product: Debt collection

XX/XX/XXXX. I sent a letter to AmSher stating the following : 1. Discontinue calling me because I do not feel comfortable being asked to verify my address, last four digits of my social security number, nor name to someone that has randomly called my phone. During the call prior to the letter the AmSher representative became argumentative and unprofessional. I asked within the letter to be contacted via USPS Mail only and provided my address for mailing. 2. I am disputing the debt and request validation and verification of the debt. I am also requesting verification that AmSher has the authority to contact me and attempt to collect the debt. XX/XX/XXXX. I received a call from AmSher 's representative who's name I can provide in a secure setting for privacy reasons. I explained to him that I sent a letter the previous month and he indicated that he confirms that I sent the letter but that it was a verification/validation letter. He became unprofessional and asked me if I planned on paying the debt since I had not paid the debt in four years. I asked him to send that to me in writing and if the call was being recorded that I am requesting that in writing because it's a false statement. I just discontinued service with XXXX in XX/XX/XXXX therefore it's impossible for me to have not paid the debt in four years and if they are stating that then I want to see that in writing.

I have requested from AmSher and from XXXX an itemized written statement of my last two months of account history. I am requesting this because I believe that I do not owe this debt. However ; no one has sent me anything except an invoice which is not itemized. I'd like to resolve this issue as soon as possible and request that I do not receive any more calls from AmSher again as it has become very abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Product: Checking or savings account

Saturday I was promised that a stop payment would be placed on draft from XXXX XXXX for XXXX dollars, this payment has been trying to be presented since XX/XX/2020 None of either party had tried to contact me and infact my credit card was closed due to the errors of both! 
Yesterday I was hung up on twice by capital 1 XXXX & XXXX! after calling back a third time XXXX tells me I missed it by a matter of minutes? Put the XXXX dollars back into my savings account. I specifically was promised that the draft would be denied and how many times can an item be presented? I also believe that this has affected my credit due to their negligence
Product: Credit card

I bought a ring for my wife with no interest for 18 months. I was never told if the balance wasn't paid in full after 18 months that interest would be added on from the date of purchase for the full price. I also was not told that the interest rate would be 35.99 %. I never would have agreed to these terms and I would have used my bank credit card instead. I asked for one more month and I will pay the balance in full if they drop the interest charge of {$1700.00} but they just said I signed a contract and wouldn't do anything for me.
Product: Debt collection

This situation is over a leased cellphone buyout from XXXX. I overpaid for my leased phone and wanted that overpayment to go to owning the phone. I gave them excess money and cant even get a refund for it. I decide to cancel my service. I request a return package to send my phones in. When I finally received it I returned the phones and moved on with my life. Next thing I see is a charge for the full amount for the phones. I call XXXX up and verify they received the phones before asking if I owe anything. They look it up and see the phones were received I said ok cool and hang up after confirming my account was cancelled successfully. This XXXX bill saying I owe them for the phones must have been an error. I later receive a collections flag on my credit, I found out by getting denied on a credit application pull. I contacted XXXXXXXX  shortly after about this issue and they confirmed that the phones were received successfully and I should not owe anything. They said they will contact the collections agency about this, and call me within 7 days. ( I recorded the conversation as well. ) they never called me back. Their verification is inaccurate and they are making me responsible for a debt I do not owe, and tarnishing my credit at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several disputes with Experian reporting incorrect information regarding the XXXX XXXX account on consumer report. Experian continues to say that the investigation results in a " verified '' account ; XXXX XXXX has sent me documentation which otherwise disproves this. First, XXXX, XXXX and Experian continue to report " COLLECTION '' on a monthly basis in the payment history. Second, it states that the account is in collection but still lists XXXX XXXX XXXX as the original creditor, but attached on this complaint, you will see that XXXX XXXX XXXX is using a third party collector in which I am to make payments. Having this incorrect information is FACTUALLY INCORRECT. Third : XXXX XXXX XXXX has sent correspondence ( attached ) to state that they would no longer contact me regarding this debt as it has been charged off ; but still have been contacting me. They further list a company by the name of True to which I don't have any relationship as their third party collection agency, and who has not contacted me. Now, even though, through these disputes that I've done with Experian, XXXX XXXX XXXX is contacting me and further sending me secure messages for me to obtain through their web. So, I've contacted the company to propose a settlement amount letter dated XX/XX/2022, ( attached ) to be rid of them and this scam of " BUY NOW PAY LATER ''. In this letter, I've asked them to contact me through US Mail ; not by email or telephone calls. Today, XX/XX/2022, is when I get this email for the secured message ( attached ). I feel that they are violation of debt collection practices, and FCRA reporting practices and would like this investigated further. Lastly, Experian has my id verification ; so, I will not include it here for privacy.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX  # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Thank you, XXXX XXXX
Product: Debt collection

I have made several attempts to resolve this. First I was never notified of the debt but it was placed on my credit report. I already had insurance with another company on the days they are charging me for. Anyhow I paid it since they agreed it would be removed. 
Second My wife called the original creditor who I have on a recorded line saying they would delete after payment. 

Third the company has failed to respond to my validation of debt request! I have kept a paper trail and plan to seek legal council if this does not get deleted permanently. This was a XXXX charge they are stating and why would I risk XXXX going on credit? No one ever notified me that I owed anything or I wouldve paid it prior it is illegal to insert a debt on someones credit report without proper notification. 

DO NOT CONTACT ME BY PHONE!
Product: Debt collection

Transworld Systems Inc. sent a letter to my address on XX/XX/2022. I received the letter on XX/XX/2022. 
TSI called me on Thursday, XX/XX/2022, to inform me that they would be garnishing my wages if I did not pay this debt in full. They informed me that the debt was to the Department of the Treasury. When I inquired the nature of the debt to the Department of the Treasury, they did not elaborate other than to inform me that non-payment would result in serious consequences such as wage garnishment. They informed me that they would do this in XXXX. This is confirmed on the letter that I received the next day. I asked repeatedly for an itemized list of the debt, the nature of the debt, the interest, fees, services, goods, materials, and/or any item that would help me identify which department in the government I owed that eventually made it to the Department of the Treasury. I requested any information for what I was being charged. They could not provide any additional information. I informed them that the Department of Veteran 's Affairs typically charges me throughout the year for medical services and they take it from my tax refund, which I was fully aware and willing to accept. However, the representative only repeated that they would be garnishing my wages. I again asked, what items will my wages be garnished to pay as a debt. They again could not answer. Their letter states that I have until XX/XX/2022 to dispute the debt or they will garnish my wages to pay the debt. My rights are being violated by Transworld Systems Inc. that has no respect for veterans and should not be allowed to collect debts for the Department of the Treasury in any regard.
Product: Credit card or prepaid card

Yesterday ( Wednesday XX/XX/XXXX ), I bought a debit card from Netspend from XXXX. I put {$40.00} in the card. I tried activating it multiple different ways, one of them being through the website, the number, online, every number they provided for customer service and when I tried activating it over the phone they asked for my social security number, my gmail, my date of birth, my name, my address, and the number of the card. Right after I provided all my information, I was told I had to submit my personal documents like my social security number and my identification card to their email. I didnt understand what the reason was behind asking for my information and then saying that I had to submit my personal documents to their site right after I had provided all my information to the lady and had already payed for the card.