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

I sent a certified letter to all three bureaus asking for investigation regarding inaccurate Bankruptcy that was placed on my credit report. I respectfully as for them to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. I did not receive anything providing proof. Based on the letter that was sent back it was a little as three weeks from the date I sent my letter stating that this information was verified and accurate. I truly thought a real investigation was underway but it wasn't. I called and sent letters to the Bankruptcy Court, who explain to me in writing that they don't verify information with third-party companies, so how is it possible that the courts are the furnisher and I have in writing that they don't verify but XXXX and XXXX were able to verify information in less than three weeks. I believe that my rights were violated and I want some help with exposing this erroneous account off my credit report. Equifax did even give a course to even respond.
Product: Debt collection

Beginning in XXXX, I began receiving unauthorized harassing phone calIs all of which at inconvenient times of the morning and late at nights numerous times daily from Medicredit alleging that I owe a debt that I do not owe. I then received a debt collection notice dated XX/XX/year> advising that if I do not reply by XX/XX/year>, they would assume their information is correct and would proceed with collection attempts. Medicredit 's information is incorrect, and the account referenced within their communication has a XXXX balance with the client they claim to be representing. I would like the harassment to cease as my rights as a consumer are being violated. Please reference the attached supporting documentation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Costumer Financial Protection Act ( CFPA ). Speciffically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EPTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the inaccuracy of this account four times and requested documentation from the original creditor. The information remains incorrect and PRA refuses to provide the requested documentation.
Product: Credit reporting or other personal consumer reports

I never signed any agreement that resulted in several hard hit inquiries on all of my credit reports. I simply wish their removal from XXXX, XXXX XXXX and XXXX accordingly. 

XXXX XXXX
Product: Vehicle loan or lease

Purchase XXXX XXXX XXXX  purchase at XXXX dealer in XXXX. Vehicle had check engine light after first 2 weeks. Original loan was XXXX. Couldn't register the vehicle so I stopped making payments so that the bank would come for said vehicle. I made an estimated payment of XXXX. Vehicle was repossed then sold for XXXX. Santander bank still want to get more money from me saying I still owe XXXX. Bank already made what the original loan and more. I know I owe them {$0.00}. Please help because Santander bank is a predatory loan bank, that preys on individuals with bad credit especially XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was contacted via email that someone was attempting to purchase a large amt of product from XXXX and there was identity theft suspected. A phone number was included so I called it. They said I had reached XXXX XXXX XXXX and that there indeed was identity theft. I would need to do what they directed to closed all the accts that were open in my name and cancel the expenses. 
I was directed to open several apps on my phone and to go to different sites, purchase XXXX XXXX, XXXX, gift cards and XXXX and then the company ( XXXX XXXX ) would cancel the orders and protect my identity further. 
I did as they directed because they sent text msgs stating there were several deposits to my acct to cover the expenses. 
The total is over {$6000.00}. No deposits were made. 
Here is the info I was provided : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX Phone number he contacted me with is : XXXX. 
I have all the info photographed in my phone if needed.
Product: Student loan

Nelnet applied a forbearance on XXXX of my student loan accounts in XXXX 2014, yet reports me as 90 days late in XXXX 2014 to all XXXX major Credit Reporting Agencies. I have repeatedly disputed these XXXX accounts with Nelnet, each time to no avail. 

Furthermore, Nelnet does not report *positive* payment history during the past seven years, thus lowering my overall credit rating.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

Please see attached letters that explain the circumstances. I believe I finally completed a modification back in XX/XX/XXXXby XXXX. XXXX is the largest home modification organization in the nation .It was so long ago. I am attempting to remember to the best of my ability. I am in the real estate industry. Our industry was hit hard back in XX/XX/XXXX. 

I attempted to to resolve the issue with both banks to modify and or settle with the second lien holder, but to no avail. I believe I tried for over a year and several months, then sought outside assistance to save my home. I was told that the process of saving my home through modification was completed and I had no reason to believe that it wasn't as my house was not foreclosed. My last payment to the company that owned my 2nd mortgage was on XX/XX/XXXX, Please see attached document. 

Specialized Loan Servicing is attempting to foreclose on my house. I received a notice of intent on XX/XX/XXXX, Please see attached document. And a notice of default on XX/XX/XXXX. I thought it was some kind of mistake or joke because I receive letters from previous debt holders from time to time but nothing ever materializes because the debt is so old. But this was a little more threatening, therefore, I called and requested documents, but in early XX/XX/XXXX, I was told in order to stop all action, I must submit a letter in writing. 

Therefore, I sent a letter to the address that was given to me by the manager, which later resulted in me receiving a letter stipulating I sent the letter to the wrong address ( please see attached document ) and a sale date was then placed on my property. Prior to sending the letter there was no sale date. I sent another letter, but never received the requested information. But in response to the letter, I received a generic letter regarding payment choices, please see attached document. 

All addresses to send the disputed letters were to PO boxes. The second letter I sent was by certified mail to document the address and that the letter was received by the servicing company. 

I spoke to the trustee company and was informed by XXXX that the sale date process was completed on XX/XX/XXXX. This date was two days after the letter was sent to me requesting I resend the letter to the appropriate PO Box . Again, I believe I sent it to the appropriate PO Box , but didn't have proof because the 1st letter wasn't sent by certified mail. 

My last attempt to resolve this issue was on XX/XX/XXXX. I was supposed to receive a call from XXXX, the Department Manager, in the morning, but the call never materialized. 

They are attempting to foreclose on a 12 year old debt. It is normal and customary in the mortgage industry, to file a notice of default in 60 days, not 12 years. They are a servicing company not a lender. I believe their behavior is fraudulent, unethical and unscrupulous. Please assist me with the horrific issue. 

Thank you in advance for your help, XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt as per 15 USC 1692g ( a ) ( 1 ) and 15 USC 1692g ( a ) ( 2 ).

Please provide the following information regarding this account : Account # XXXX Date Opened XX/XX/2020 XXXX Owed {$5900.00} 1. The name of the original creditor associated with this account.

2. The amount of the alleged debt and a breakdown of how this amount was calculated.

I am specifically requesting validation of the amount of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). Additionally, I demand that you provide me with the name of the creditor associated with this account, as required by 15 USC 1692g ( a ) ( 2 ).

The information currently reported on my credit file lacks sufficient detail to verify the accuracy and legitimacy of this debt. Therefore, it is imperative that you provide the requested documentation to validate the debt. 

Please note that failure to validate this debt within the timeframe prescribed by law will result in further action being taken to protect my rights under the FDCPA, including but not limited to disputing the accuracy of this item with the credit reporting agencies and seeking legal counsel. 

I expect a prompt response to this dispute within 30 days from the date of this letter. Your cooperation in resolving this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXXXXXX Items Highly Requested The persons name they verified the dispute with The documentation original contracts used to validate the dispute. 
Also the procedures your company has in place to ensure each account is 100 % correct which i doubt.. 
IF YOU CAN'T PROVE IT YOU MUST REMOVE IT OR PAY XXXX per VIOLATION YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, and pursue legal action.
Product: Credit reporting

We 're a small, man/wife XXXX corporation. We have been working diligently to rid ourselves of business debt incurred between XX/XX/XXXX-XX/XX/XXXX as a result of the XXXX Recession. Since early XX/XX/XXXX, when signs the worst was over surfaced, and especially during the past XXXX years, we 've been working with a NFP to negotiate lower interest rates to help keep our small business afloat. Recently, after never having failed to pay on time, we discovered after review that we had paid, in principal alone, far more than borrowed on several cards. To prove our findings we did a full accounting using receipt records -- recording all borrowings, payments on principal, interest and other fees. We sent these reports with a one-page cover letter of explanation ( copies are available ) via tracked XXXX Priority Mail to XXXX, XXXX and XXXX XXXX. We have documentation all were received. Only XXXX, XXXX, has bothered to read our material and correspond by phone. ( They advised they 'd look into our concerns and get back to us, although " it might take some time. '' ) From the others we 've received only form letters advising we 're overdue, as they tacked on high interest and late fees. In our cover letters we told each party that due to overpayment and the fact we 're both in our XXXX 's and must still work, we will pay no more. 
Although we have no faith whatsoever in the co-called credit reporting agencies ( calling usually gets you someone in a XXXXworld country who barely speaks XXXX ; writing a certified letter we found is usually ignored ), we trust XXXX XXXX implicitly. When we saw this opportunity to communicate with an organization of which she was a part, we jumped on it. Please let us know if you need more.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was made aware that my account with upgrade was 251 days past due. I contacted updated via phone and email, this was the response : We apologize for the confusion. Our records show one of our team members in the back office had just made a note on the account because it showed up on a report. They Corrected the issue and now the account is showing 6 days past due. 

On XX/XX/XXXX, an alert from the credit bureau stated that my credit report shows me being 293 days past due for the same company. After calling them several times and talking to multiple people over the phone and via email, they have stated to me that this resulted from failure of paying late fees. I was not made aware of any late fees directly from this company at any point of time. 

On XX/XX/XXXX, I called and spoke to a supervisor regarding why the credit dispute was declined. They told me that the credit agency declined it and that I would have to speak to them regarding my credit report getting fixed or updated. The upgrade company has submitted for a correction via mailed form. My payment history was broken down from XX/XX/XXXX to current and it shows that I was never late.
Product: Student loan

I spoke with my fed loan on XX/XX/22 about getting a refund on payments I made during the COVID forbearance, when I called back on XX/XX/22, they said they never put in the request. Balance is still not updated to reflect reinstatement of loan with the refund.
Product: Credit card or prepaid card

Chase Slate  has multiple categories of charges or how credit is used, such as balance transfers, cash advances, purchases, " checks '', etc. Each category can have a different APR.      Chase applies payments to categories based on their own rules. According to my statement, and confirmed by a CSR, payments are applied as follows : 1. Fees 2. Interest 3. Highest APR  balances to lowest APR balances.     I have  XXXX  concerns.     1. The statement does now show how payments are applied to each of these balances. If there is a payment allocation scheme for different balances then statements should show how payments are applied.      2. On  my account, the stated APR for balance transfers is higher than the APR for purchases ; however, my balance transfer was taken under a 0 % for N months offer. It is unclear, and is not stated anywhere I can find, for the purposes of payment allocation, is the APR for balance transfers vs purchases ( and other categories ) considered to be 0 % under the promotion or the higher APR that otherwise applies.     With these  XXXX  issues, I have no idea if my purchases are paid off before my balance transfer with the possibility of the purchase balance being assessed interest until the balance transfer is fully paid or if the purchase balance is paid first.
Product: Credit reporting or other personal consumer reports

TransUnion needs to correct the inaccuracies on my credit report to ensure that only accurate and verified information is reported. The address listed as " XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX '' is incorrect because it does not include the floor unit. The correct address is " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. '' The report also inaccurately states that I am XXXX. My correct and current employer is " XXXX XXXX XXXX. '' These inaccuracies violate the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be reported. Failure to remove these details may result in willful noncompliance under 15 USC 1681n, allowing for damages up to {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Subject : Request to Block Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I am writing to formally request that you block information appearing on my consumer credit report that is the result of identity theft and fraud, as provided under FCRA 605B ( 15 U.S.C. 1681c-2 ). I expect this action to be completed within four business days of your receipt of this complaint. 

The following accounts are fraudulent, inaccurate, and were not opened by me : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX These fraudulent accounts have resulted in numerous unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries as they were not opened, made, or initiated by me. All mentioned accounts are the direct result of identity theft and fraud. 

I have attached a copy of my FTC Identity Theft Complaint # XXXX as proof that these accounts and inquiries are fraudulent. 

Please confirm receipt of this request and inform me of the actions taken regarding my credit report. 

Thank you for your prompt attention to this matter. 

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

I'm demanding that the 3 major credit bureaus either provide me with some type of signed contract with these companies they are reporting on my credit files, or block, remove / delete them immediately and permanently. During my incarceration it seems that my identity has been compromised and therefore I'm asking for these accounts to be removed, # 1 XXXX XXXX {$290.00}, # 2 XXXX XXXX XXXX {$250.00}, # 3 XXXX XXXX, # 4 XXXX XXXX  {$530.00}
Product: Credit card

logged into my amex account, there was an offer for 30 % transfer bonus to XXXX honors. XXXX points for XXXX hilton honors instead of the typical XXXX for XXXX i transferred XXXX points for XXXX hilton points. transfer went thru, i only received XXXX points. i messaged and they said the bonus points take longer. i waited several weeks, nothing. i called and they said they would look into it again, no change or communication. i called again they said i wasnt offered the bonus even though it was clearly listed on the site when i was logged in. i had to prove i was offered it, i sent pictures that showed the entire transaction. a week went by and no change. they said again they investigated and the offer was not made to me. i told them i sent multiple pictures that showed my account, my hilton honors number, the transaction showing the expected points, i told them i have proof plain as day that i was made the offer. we argued for XXXX minutes and they said they would look at the pictures again. can provi
Product: Debt collection

I had recently been trying to fix my debt after a year of consolation. During such year I settled 4 credit accounts, was sued by 1 and pending another law suit from another. The current company Midland Credit Management ( MCM ), has picked up two of my debts from seperate entities. One of which has sued me. On XX/XX/XXXX after receiving mail communications, I finally spoke to a representative and set up two payment plans to settle these debts. One plan is XXXX XXXX/mo, the other XXXX XXXX/mo. These payments are recurring as an ACH from my bank account. I have missed a few already due to finances. I had told the company things were tight. Well, now they call me 2,3 and 4 times a day. They call from different phone numbers, until recently they have added " unknown '' as the caller ID. They leave the same message, " this is so and so with such and such company, please contact us ''. I have no reason to contact them, nor them me. I have an account I can log into. They have my address to write too. Payment plan is still active. This all begins at XXXX XXXXand doesn't stop until late afternoon. All the meanwhile my account is still being paid out of when money permits. I gave them a specific date to withdraw the funds and it has not been an issue. Only upon missed payment, yet debits again the following month. I am tired of these harassing phone calls. I can't even call out due to so many calls coming in. It it as least every hour they call. I do believe it goes against fair practices and it is harassment. I've already been sued by the one debt. I did the right thing and am doing my best. To be bullied into getting more money when my ends don't meet is ridiculous.