23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

KLS FINANCIAL SERVICES Account Number XXXX Dear KLS FINANCIAL SERVICES, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXXXXXX XXXX. However, I am disputing this debt for the following reason ( XXXX ) : KLS FINANCIAL SERVICES is violating your consumer rights by using false misleading, misrepresentation and deceptive means. KLS FINANCIAL SERVICES has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against them if they do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX {$750.00} I asked for documents. I never received the documents I want the collection removed from my credit report I did a dispute with credit bureau
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX All have violated my rights .

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Student loan

I was never late with XXXX XXXX and XXXX XXXX reported me late for XXXX and XXXX of 2017. XXXX XXXX also reported me to my credit report agency as late. Again best of my knowledge I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXXD Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters on XX/XX/XXXX, XX/XX/XXXX to Transunion in which they have not responded or investigated any of my letters. When I called the first time after 45 days I was rudely disconnected from the rep and when I called back I was told to call back tomorrow. When I called back the next day the rep I spoke to informed me that I should wait a few more days to hear back from my dispute letters, although it has already over 3 months and no response from them. It's displaying 1 late payment for XXXXXXXX XXXX  which is incorrect and is very detrimental to my credit report. I am very upset. They're not following the law and continue to not care about the damage they're causing with these incorrect payment status.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XX/XX/2023 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 XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

We found XXXX change to your Equifax credit report XXXX Credit score XXXX points since XX/XX/2022 Account Removed XXXX XXXX XXXX account removed from your file Between XX/XX/2022 and XX/XX/2022, your account account with XXXX XXXX XXXX was removed from your credit report. 

Ive worked countless hours to bring my credit score up only to have my points taken away because of an error when Im the one thats having to deal with countless problems due to misinformation by EQUIFAX. 

IM ALSO ATTACHING THE RESPONSE I RECEIVED FROM THE CREDITORS STATING THAT THIS WAS AN ERROR ON THE BEHALF OF EQUIFAX.
Product: Debt collection

I am not disputing the debt of XXXX dollars. I am however making a complaint on the collection reporting to my credit on a weekly basis with sometimes reporting it three or more times a week. Every time they report this debt my credit rating drops. They are treating it as a new debt every time they report. My understanding is that they can report and update on a monthly basis. XXXX  has refused to take this into account when I filed the original dispute
Product: Debt collection

I started receiving bills from the XXXX ( XXXX # XXXX ) company for which I had never opened any account, nor ever received any services from them at my XXXX XXXX, MI address. I phoned them on 4 different occasions to remove this from my name. Each time they researched that in fact I did NOT have any of their equipment and there was NO activity noted on this account. Each time they agreed to remove this. Then I received a notice from the Credit Management Company ( XXXX # XXXX ) about this amount past due of {$180.00} and charges for ending my " contract '' early. I phoned them immediately, shared the same information and they agreed to stop action on this and communicate with XXXX about it. I then receive notice it is a new collection account showing up on each of the 3 credit reporting agencies records. I phone XXXX XXXX more times about this, I have dates, names, etc. They agreed to credit this account to XXXX and apologized for the issue. They also agreed to make sure the Credit Management , LP company would make this right and it would be removed from my records. As of this date, I have put in disputes with all XXXX credit agencies, and XXXX keeps confirming it is my account, WHICH IS INCORRECT. But When I call them, they agree, It should be removed from my name. I have never had an account at my home address with this company and I have tried more than enough to set this right. It is absurd at this point that they have marred my credit record by reporting about an account I never had, started, opened, or used, EVER. I DO NOT KNOW what else to do at this point. They agree it is an error each time I contact them, but it has not been removed from my credit, which is effecting my credit rating and causing very serious issues for me. I don't even understand how they are getting away with this. It has to be ILLEGAL. I need them to make this right and remove this account from my name and credit accounts IMMEDIATELY! This started in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX XXXX XXXX Because of Covid 19 hardship I requested a Forbearance Starting XXXX XXXX and ending on XX/XX/2020. I made the XXXX payment and in XXXX I requested a cancellation of the Forbearance due to the fact that I was refinancing and it was the new Lenders requirement to close the Forbearance before we close the escrow. 

I spoke with a Customer Service Representative and she told me that we had until XX/XX/XXXX to pay the mortgage otherwise we will have late fees and bad credit reporting. I closed escrow for the refinancing on XX/XX/2020 I really need to have this 60 days late payment remove from my credit report ASAP. I am refinancing my second house and I cant do it because of this derogatory payment XXXX XXXX XXXX XXXX has placed in my report. I have the possibility to refinance the house at 1.99 % right now, I am paying {$1800.00} and with the new rate I will pay {$1100.00} the difference is {$710.00} for 360 months will be a total of {$250000.00}, thats the amount of damage that I will sustain if they do not remove this derogatory account. 
To resolve the problem, I would appreciate that XXXX XXXX XXXX remove the 60 days late in my credit report ASAP so I do not have to go to the Court Systems.
Product: Debt collection

XXXX XXXX XXXX is continually attempting to collect a debt for a man named XXXX XXXX ( not sure how to spell his last name ). 

I have been receiving phone calls for well over 2 years regarding his debt. I have spoken to this company approx 50 % of all calls made to me and i have repeatedly told them that i do not know who this man is, i am not associated with him ; i have even gone as far as speak to a supervisor and gave them MY information. 

I have heard every excuse for a solution " we will remove your phone number '' " oh the phone number you are giving me is not on his account '' .... how else am i being contacted then? 

I have full access through their automated system to this man 's personal financial information, and as i have advised this company on numerous occasions, is illegal for me to access, but they are continuing to give me access. 

When phone calls are made, i try to use the auto system to say i am not this man. i still receive phone calls. If i go through the system to speak to a representative, i have full access to this man 's debt information. 

I have contacted them directly, and nothing is being done about this matter.
Product: Money transfer, virtual currency, or money service

I transferred money on XX/XX/22 and the Money didnt reach the recipient account and the company did not notify me until I found out that the money didnt reach. I have been calling the company since then but they tell me that they are contacting their local partners this money was meant to settle my mortgage and its accumulating the interest when I tried to explain I have never got any help. I requested they refund the money so that I can find a way of sending it but up to now have got nothing.
Product: Student loan

I owed Navient XXXX and these amount has not decrease since I started to pay them. I pay XXXX to XXXX per month and I ca n't lower my payment not the amount for over XXXX years now. I tried negotiating with them but they said that is all they can offer. I have found myself dealing with financial stress each month. I need help and legal advocacy because these loan is impossible to pay off. Please help.me find other solutions. This is the second time I XXXX help from your department.
Product: Debt collection

I recently an email that a collections has been placed on my credit. I immediately check my credit report and notice att had place a collection on my credit. I immediately called them. I told the representative that clearly someone has made a mistake and I wanted my account and credit clear. I told her the amount was showing {$660.00}. The att representative stated she did not see a balance for that amount at all. I told her according to my report it has a date of XX/XX/2023. I told the lady there is no way I could have a collection when I'm STILL IN FACT a current customer. The att representative agreed. She placed me on hold. When she returned she asked me some security question to which I got all the answers wrong. She inform me that it seems to be account that does not belong to me attached to my account. However since I did not know the answers she could not assist me. And would have to send me to the fraud department. I filled out a online form informing that the whatever account that have attached to my account is NOT MINE. However still no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I identified multiple billing errors that violate 15 U.S. Code 1666 ( b ). According to this statute, a creditor can not classify a payment on a credit card account under an open-end consumer credit plan as late unless they have adhered to specific requirements. These include ensuring that each periodic statement, containing the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. Additionally, the statute prohibits errors such as failure to properly reflect payments or credits, and computation errors on statements. The creditor did not provide me with a statement 21 days before the payment due date, meaning no late payments should have been recorded. I request concrete proof from the creditors bank account showing that I failed to make the payment and that it was erroneously marked late. This is a billing error. The following items should be corrected to reflect " paid as agreed '' on my credit report : XXXX XXXX XXXXXXXX - XXXX - This is also completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. Under the Fair Credit Reporting Act ( FCRA ), these accounts must be updated or removed immediately. Should this not be resolved promptly, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 U.S.C. 1681n. Additionally, I have already forwarded this issue to the Consumer Financial Protection Bureau, the State Attorney Generals Office, the Better Business Bureau, and the Federal Trade Commission. Please note that you have 30 days from the receipt of this letter to complete your investigation, as stipulated by FCRA Section 611 ( a ) ( 1 ) ( A ). I also request a description of the procedures used to determine the accuracy and completeness of the information, to be provided within 5 days of the completion of your re-investigation. I am maintaining a detailed record of your actions, including your method of verification, and I do not consent to e-Oscar or any automated verification methods.
Product: Mortgage

We were in a current modification with SPS ( select portfolio servicing ) who are a service company for XXXX XXXX, and XXXX XXXX, which apparently in some way related XXXX a holder of the note other the bank with the loan, last year i was sent a letter of an increase on our payment, which we were just making, the reason was for a proposed tax increase in my town, note no increase was given yet, we could not afford the new rate which went up nearly XXXX dollars, we fell behind again, I contacted SPS and requested a new Modification or PRA, since XXXX I have submitted every document they requested XXXX times now, on Monday I will be submitting the XXXX time, each time they wait 2 weeks and say I did n't send certain documents then by the time review comes I have to resubmit cause its a new month, we were rebuilding our credit and now I ca n't buy a baggie on credit cause of the situation, SPS does nothing and i have found out they have a class action lawsuit on them for this exact behavior, I just want to be able to have an affordable payment and not struggle and have to owe XXXX what my house is worth by the time its done, when I mentioned a PRA ( pay down rate ) SPS did not reply obviously seems they are n't here to help us, they also refuse to move my pay date to mid month and they see on paper I do not get my XXXX till the XXXX of each month so I automatically pay late fee, can someone legally help us, I was told there are companies that file the complaint for XXXX XXXX dollars then i heard that was a scam I have no where to turn here, SPS has changed our " case manager XXXX times since the process started, and our latest one XXXX XXXX, Stated on their recorded line on XXXX XXXX that all my documents were in but XXXX a XXXX I was driving home when she called and informed her I would send that via email ASAP, that night it was sent and 2 weeks later as we waited for review a different case manager called and informed us all paper work had to be sent as review passed, I explained XXXX said it was there, I had email proof it was sent she said cause it was a new month it did n't matter I spoke to her supervisor and i was told our tax return for XX/XX/XXXX and XX/XX/XXXX needed more pages, then i was told our bank statements were a month behind, which was false it was cause they waited, then I was told the XXXX form was not there and I sent the email confirmation she had no answer, just send it again, we contacted NJ XXXX and were guided by XXXX who wrote our budget out and did our hardship letter and sent it out on our behalf, SPS said that was not sufficient, i also sent a copy of an official letter from XXXX showing my XXXX payment, when I got it via direct deposit and what how much, SPS then said that was not sufficient, it had to be my bank statement, i sent the front page of my bank statement showing the XXXX deposit, and SPS said they want all pages of our bank statement, here is the funny part, when i asked how do you know i sent XXXX page if you did n't get the paper work, SPS had no answer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I checked my all 3 Bureau report and this account is only reporting on my XXXX credit report. You also reported this account twice on my credit. All of this a violation in FCRA. Please remove inaccurate account. 


XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : I checked my all 3 Bureau report and this account is only reporting on my XXXX credit report. You also reported this account twice on my credit. All of this a violation in FCRA. Please remove inaccurate account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is marked as paid in full and shows no late payment on TransUnion and XXXX. Please provide statements and records of all payments made and missed and update XXXX to reflect the correct status. All of this a violation in FCRA. Please remove inaccurate account. 

XXXX. U.S. Bankruptcy Court Original filing date : XX/XX/year> Latest status date : XX/XX/year> Reference number : XXXX Reason : I dont live in XXXX XXXX this has to be mixed up with someone elses bankruptcy. It is not reporting on the other 2 bureaus.

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.