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

I have previously disputed a debt fraudulently reported in my credit reports in an attempt to extort money from me. I provided supporting information, and XXXX  only notated my credit report stating I dispute the charges. I don't want a remark on my credit reports ; I need the matter fixed. XXXX XXXX XXXX ignored my disputes and reported this fraudulent debt to my credit report. I sent certified mail letters to them, disputing and stating the facts. They never answered my letters. Now I am having financial problems due to the pandemic of the Covid-19. I have lost my employment, and no one wants to loan me money due to this reporting on my credit reports. Please, I am pleading for you to review the letters I have sent to them in the past where I disputed, and they still reported these fraudulent charges to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 2 months later and I havent seen my credit disputes addressed by XXXX, Trans Union and XXXX. This is a violation of thier timelines and is putting me and my family in financial distress.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX - XXXXThis is inaccurately reporting on my report. 

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

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$280.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I challenge the accuracy, compliance and reportability of this listing. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor ( XXXX XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; account was settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

Receive debt collection letters stating they are collection XXXX XXXX XXXX XXXX XXXX XXXX violations, when I log into my XXXX account it shows I have NO toll violations on record and did not have any in the past. ( clean account ) So there are official letters from " state road and toll '' I have tossed out in the past knowing they were scams and then now they are eleveting it to more official debt collection companies that claimed I didn't pay. I have written to the company and mailed back their paper bill and said I know it is a scam and that I do not owe any tolls, but the letters come from various companies. ( sold the debt to collectors ). I will scan and attach the latest one. I often wonder how many people think their teen drivers or spouse violated the toll violations and paid these people without thinking! I have decided to report this so others will stop and think and not fall for this. Numerous complaints online. People are being frauded thinking they have a debt owed which is false. See XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPAINT WITHOUT FULLY INVESTIGATING. I NEED PROOF AND DETAIL INFOMATION OF INVESTIGATION. 
15 USC 1681 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

On XX/XX/2020, I received an email from a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX who I do not bank with. I am afraid my information couldve been stolen or exposed on a insecure server. She use to work for IBERIABANK I believe, and Im afraid my info may have been compromised when she left. Im concerned about fraud. There is no unsubscribe button on her emails. 

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

I received a alert from XXXX XXXX that my credit was ran at XXXX XXXX XXXX. I called the company and informed them my SSN was used and I did not use it. I realized during conversation that my SSN was obtained during the XXXX breach. XXXX XXXX Wanted me to send in a letter of dispute to get inquire removed from my account. I send information a week later during XX/XX/2017, this item remains on my account and affecting credit rating.
Product: Student loan

I reached out to my student loan provider, Nelnet, shortly after the government announced the Payment Count Adjustment, which was several months ago. I needed a full accounting because my loans transferred to Nelnet several years ago and I was unable to see the payments made prior to the transfer. I also needed a full accounting because I was unable to see online all payments made since the time Nelnet took over the loan. To confirm I am given proper credit under the Payment Count Adjustment ( or other forgiveness programs ), it is imperative that I have an accounting. 

Their site said to reach out if an accounting was needed. I reached out in writing through their secure messaging system and requested a full accounting. On XX/XX/year>, I received an email from Nelnet confirming receipt of my request and apologizing for a delay in providing the information and noting additional research may be needed. Attached is a copy of the correspondence received from them, which proves they received my request. As of today, XX/XX/year>, they have not responded and have not provided the requested full accounting. 

Since that time, my loans have transferred out as part of the Payment Count Adjustment. This does not change the fact that I still need an accounting from Nelnet.
Product: Credit card or prepaid card

XX/XX/XXXX I submitted online app for a credit card with Bank of America, referred to as BOA through the remainder of this complaint. I requested a balance transfer on the app to be paid to XXXX XXXX in the amount of {$1100.00}. I received a phone call the next morning from the fraud dept of BOA said they were verifying if I had submitted the app and I confirmed I had.I thought that was odd as I 've submitted several online apps for cards and had never received a call like that. Did n't think anymore of it. The balance transfer was supposed to be paid within 2 wks. On XX/XX/XXXX I called XXXX XXXX to check if BOA had sent payment to them for the balance transfer and to my surprise they had n't. I then called BOA to inquire and the rep told me they did not pay XXXX XXXX but had paid my XXXX XXXX card balance of {$2200.00}. I asked her how did they obtain my XXXX XXXX card number because I did not list that balance to be transferred. She was puzzled as well and transferred me to the fraud dept. I explained my issue again and was transferred to the fraud dept supervisor. Explained my issue again and her response was " Well you must have given it to us, how else would we gave gotten it ''. I told her I noticed they had a phone number listed on their webpage for FRAUD WITHIN THE COMPANY maybe thats how it was obtained. I told her to pull up my online app and she would see XXXX XXXX 's balance of {$1100.00} listed to be transferred and not XXXX XXXX 's balance of {$2200.00}. She then told me I had to call XXXX XXXX and request they send the payment back to BOA. I did n't think that was normal protocol but I called XXXX XXXX anyway and explained the issue to them and they said BOA would have to request a refund of the payment. I called BOA back to let them know and to this day I am still waiting for someone to call me back. This has been terribly frustrating and this is a new account and I think it is despicable how they handled the situation. So nonchalant. I later read reviews of the bank and I wish I had did that research prior to submitting my application. Its companys like this that need to be penalized severely for their unscrupulous practices. I do have documentation to upload because of course they snatch your app offline as soon as its submitted and they did not send a confirmation so I have nothing to prove other than them accessing the application themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my kids but its getting harder now because of this. 

Inquires : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I tried to log into my comenity bank account on XX/XX/27 to make a payment and kept on getting the same error message : were sorry. A technical glitch has occurred and your request can not be completed. Please try again. 

I tried to call the number on my card to make a payment over the phone and after waiting to get to customer service, the automated voice said their offices are currently closed and it hung up on me. 

I went to their social media pages and found out theyve been doing maintenance on their website since LAST WEEK and no one has been able to make a payment or access their account information. This is illegal. 

They are not responding accordingly to customer complaints. Additionally, they wont say whether theyd waive the late fee or what will happen when all of our late payments get recorded on our credit scores. Very dishonest and unbelievably sketchy.
Product: Debt collection

Credence Resource Management has placed a fraudulent account on my credit for {$220.00} as a collection account in XX/XX/XXXX. I have verified with XXXX XXXX directly that this account was opened and closed in XX/XX/XXXX. I have reported this to Credence and the credit bureaus and advised that Credence is violating the Fair Debt Collection Practices Act by placing a 10 year old account on my credit. My credit was damaged severely by this and this company doesn't care they are violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX -- 2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

My home was flooded during the federally declared disaster in XXXX Louisiana in XXXX of 2016. My mortgage lender, Wells Fargo Home Mortgage, sent a letter to me dated XXXX XXXX, 2016 informing me that based on the status of my loan and insurance claim, my claim would not be monitored through the typical process of putting the check into a restricted escrow account and issuing payment contingent upon staged satisfactory inspections. I was instructed to proceed with repairs to my home and to send my un-endorsed claim check to their Loss Draft department, at which point they would endorse the check and return it to me. I received the claim check the week of XXXX XXXX and followed those instructions, including a copy of the aforementioned letter should there be any questions. Today the check was returned to me, with a letter indicating that I must endorse and return the check to them. I learned from a representative of their Property Loss department that my claim was re-classified as a monitored claim based on the value of the loss and that I 'd have to have an inspection completed before they would endorse the check. I was never informed of this change in status and it did n't occur until the date that they received the claim check. It was my understanding that the decision to not monitor my claim was based on my record as a good customer and likely the volume of claims they would be handling limiting their resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

I.Q Data International Inc has a {$6800.00} bill on my credit report. I do not have a contract with them. I sent a debt validation letter via certified mail in XXXX and they sent back some kind of bill with only codes and amounts. No signed contract validating the debt. I would like this removed from my credit report.
Product: Debt collection

I received two unsolicited text messages from XXXX XXXX XXXX ( XXXX ), both purporting to collect a debt due by me to Capital One Bank, XXXX. I have never owed a debt to Capital One Bank, although I hold XXXXwo deposit accounts there. The first such text message was on XX/XX/2022 and represented that I could save up to {$530.00} in up to 18 payments. The second text message was on XX/XX/2022 and did not contain an amount but requested that I contact XXXX. Both referenced Capital One Bank and both stated that they were attempts to collect a debt. 

It is not clear to me whether the text messages represent phishing attempts or actual ( if inaccurate ) attempts to collect a debt that I do not owe. I have requested via the XXXX that it authenticate the debt and that it cease and desist from contacting me.
Product: Credit card or prepaid card

I opened a secured credit card with XXXX XXXX. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called XXXX XXXX to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.
Product: Credit card

XX/XX/XXXX  I purchased through PayPal a camera on XXXX XXXX with the trusted site advertised 100 % Return Customer Satisfaction and 100 % customer rated reviews on Seller  XXXX. PayPal did not cooperate in reviewing my verified documentation Seller  had agreed to make the return if I changed my reasons for return as " not as advertised '' and said I would but had no options to make any entry since XXXX did not show any options and my history of payments was null in my profile. Seller must of had control over the website he advertised so I was reliant on his emails from inception of purchase. Seller agreed to refund and start return but had no time for me and would get back to me. I was uncomfortable with this unprofessional comment - camera was advertised as XXXX camera. There was no disclosure it was in XXXX language only and could not be converted to English. It was upon discovery, as a gift, the camera was in XXXX and the instructions and was not convertible to English. If I had waited for Seller it would have exhausted my return time-frame so I filed a dispute with PayPal who transferred my payment from my XXXX credit card. Seller then closed the return via email to me. PayPal did not review properly the agreement of warranty of returns from XXXX  stated and advertised 100 % customer satisfaction, nor did they accept the agreement the seller stated he would start a return process but had no time for me. PayPal has a bias to XXXX and is not a fair advocate for me as the consumer. I am filing a bad faith claim with PayPal for failing to investigate proper documentation. I have appealed twice. PayPal stated the advertisement was close enough description - that was not the agreement XXXX  advertised 100 % customer satisfaction return policy and Seller agreement to return. It's bias and unfair to me. I want a refund, I want a return process with a mailing address to return the camera to XXXX! a
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681. Reporting inaccurate information onto my report is unfair, violating my consumer rights.
Product: Debt collection

National Business Factors in XXXX XXXX, Nevada. 
" XXXX '' called me at my job and told me that my payment had gone down considerably so I told her that my husband had lost his job and that is why. She then asked me if I had a job, which I replied that I did. She then told me that she could not accept a {$25.00} payment on a {$12000.00} medical account and if I do n't make a {$100.00} payment by XX/XX/2016 that my " XXXX '' is on the line and not my husband 's, referring to being taken in to have my wages garnished. I do n't make any where near what my husband was making, I have XXXX children that I 'm still supporting and I 'm separated from my husband.
Product: Checking or savings account

I was applying for a loan I seen online and they asked for my account information with chase bank and they got all my information and scammed me and tried to do fraudulent things with the bank