23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was working with Lexington Law Firm 's and they told me that the amount of  XXXX  and  XXXX  was taking of my account but here it was n't off my credit, so i called Lexington Law Firm 's and they told me, for me to get any information i would have to pay again. A year i paid them  XXXX  a month and i cant get no help from them, what do i do to get the amounts of my credit that Lexington Law Firm 's told me they did ... .and how can i get my money from Lexington Law Firm 's since they didnt do the job that i paid them for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer law 15usc b ( 1 ) and ( 2 ) stats and under equal opportunity and fair credit act that my credit score should be a XXXX do to false credit and illegal reports, which is holding me and my family and business back to be successful and skill further in life, ,.equal opportunity act and fair credit act means and stats that my credit score should rapid rescore up by XXXX points, ,as well as my losing money to pay for credit repair to XXXX and equifax,, , I request and demand my score to be XXXX or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be updated and corrected soon : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( 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. 

and according to 15 USC 1681s-2 they are supposed to 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. 

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please update to Paid As Agreed XXXX XXXX XXXX XXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Product: Credit card or prepaid card

I'm writing to express my concern regarding the unexpected restriction and blockage of my Apple Card spending capabilities, which occurred following an attempted {$99.00} purchase at an Apple Store. It's rather ironic that I've encountered this issue while shopping at Apple, wouldn't you agree? Despite my earnest attempts to resolve this situation through your Customer Support channels, including both text messages and phone calls, I have received scant information beyond the fact that my account is currently under review. Regrettably, no definitive timeline for this review process has been provided, leaving me in the dark about how long it may take. As a result, my card is presently unusable. Neither the Customer Support representatives nor any supervisors have been able to furnish me with more detailed information regarding the cause of this restriction. I've been informed that I am simply to wait patiently for a call back from " upper management ''. As a loyal Apple customer for nearly two years, I have, on previous occasions, been faced with challenges that have received the standard " We're sorry for the inconvenience '' response. However, in this instance, I believe that a more comprehensive response is needed. The implications of this account restriction are significant, and I would greatly appreciate a thorough and timely resolution.
Product: Credit card or prepaid card

My FNBO card XXXX XXXX XXXX XXXX was used for unauthorized transactions from XX/XX/XXXX to XX/XX/XXXX. My card was stolen. I informed the credit card company on XX/XX/XXXX and they canceled my card and issued me a new card. 
I saw that there are fraud transactions again from XX/XX/XXXX to XX/XX/XXXX. I informed the bank on XX/XX/2023 about the fraud charges and they canceled the card and issued me a new one. 
I have also filed a police report and informed the same to the credit card company with report number - XXXX The credit card company has not dropped the fraud charges from the my XXXX statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including Equifax, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN ( Equifax 's ) files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from EQUIFAX, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. EQUIFAX did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the accounts tells all of us, they have not maintained verifiable information in THEIR OWN ( Equifax 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT EQUIFAX DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX I will gladly HIRE A LAWYER as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.
Product: Mortgage

The company I am filing the complaint about ( LOANCARE ) was the initial servicer of my newly refinanced mortgage. Prior to the due date of the first mortgage payment I received notice of a change to my servicer along with a request from the new servicer to make payments to them instead of LOANCARE. I contacted the new servicer by phone and received confirmation, so from the start ( approximately XX/XX/2020 ) my mortgage payments have gone to the new servicer. The problem is that LOANCARE continues to bill me on a monthly basis for the mortgage, and even though I have contacted by phone multiple time and by writing one time, they continue to bill me. Today I was notified that LOANCARE has placed a delinquency report with XXXX, so now my credit rating has been damaged.
Product: Money transfer, virtual currency, or money service

My complaint is against WellsFargo Bank in XXXX XXXX XXXX. On or about XX/XX/XXXX I went to an ATM, at XXXX XXXX in XXXX XXXX in XXXX, I couldn't withdraw my money. such money comes from my social security pension. As a XXXX XXXX I depend entirely on that monthly money from my pension. {$370.00} Dollars per month. I called WellsFargo in XXXX XXXX at : XXXX, XXXX also XXXX. At the beggining, the personel at wellsFargo stated that they would mail a new debit card at XXXX XXXX de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX became ill with XXXX  and could not use my money to pay for the medicine. I have made many, several attempts to reach out to WellsFargo to give me my money. I need them to transfer the money to my XXXX  account, or keep their promise to send me my new WellsFargo CARD, so I can withdraw my money from my social security deposits. PLEASE HELP
Product: Debt collection

I have repeatedly requested proper validation for this debt under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The company has failed to provide legitimate documentation proving the debt belongs to me. Instead, they continue sending a generic bill without supporting evidence. This violates 15 U.S. Code 1692g ( FDCPA ) and 15 U.S. Code 1681s-2 ( FCRA ). I request the removal of this account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of [ specific student loans ] U.S Department of EdXXXX from my account with U.S Department of Education , citing the provisions of the Family Educational Rights and Privacy Act ( FERPA ).

As outlined in FERPA regulations, educational records, including student loan information, are protected and can not be disclosed without explicit authorization from student or their legal guardian. As the borrower. I assert my rights under FERPA to have these loans removed from my account.

Please find enclosed any supporting documentation, such as proof of enrollment or relevant records to support my request.

I kindly request that you process this request promptly and provide written confirmation of the removal of the specified loans from my account. 
Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me.
Product: Credit card

In XXXX my monthly payment increased to {$1.00}. The billing department could not explain why. Since they did not receive the addtional {$1.00}, my payment was processed late and late fees plus interest charges were applied to the following month 's payment. This continued on for 4 month 's with compounding interest and late fees mounting. I have this account set up to pay the same amount every month through my banks bill payer. I should not have to review the paper statements every month to know what my payment is going to be although the gentleman I spoke to said it could fluctuate? I do n't use this card for anything, have made no other purchases on it. Why should my monthly payment fluctuate? This does not occur on my other credit cards. Now my charges have come to almost {$300.00} in late fees and compounded interest over the past 4 month 's. This does not include the regular monthly payment. So in summary, they are now trying to collect almost {$300.00} for a {$1.00} short payment.
Product: Checking or savings account

On XX/XX/2022 i made a payment using Zelle payment system. The amount was {$300.00} to XXXX XXXX. The transaction ID is XXXX. XXXX received the funds but did not give me the product. He would not meet me at the desired location of XXXX XXXX XXXX XXXX, XXXX XXXX. Hopefully this transaction can be reversed. Thank you for all the help. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

It is noteworthy that both XXXX and XXXX have already purged these accounts from their records after identifying and correcting an error. I am puzzled by the continuation of verification for these accounts by your bureau when other agencies have already eliminated them. I urge you to expunge these accounts from my file, as they are inaccurate, erroneous, incomplete, or unverifiable. I insist on immediate action to remove these fraudulent accounts from my credit report, as the companies have acknowledged their fraudulent nature and agreed to their removal. Please delete these fraudulent accounts promptly, as they are the result of identity theft.
Product: Debt collection

this was resolved with the hospital on XXXX/XXXX/XXXX. they retracted their letter to the collection agency and as of XXXX/XXXX/XXXX the collection agency contacted the credit bureau without approval from the hospital. the hospital said the collection agency had to wait 60 days & send notification to me before contacting the credit bureau. My XXXX score took a nose dive due to the aggressiveness of optimum outcomes inc out of XXXX il
Product: Debt collection

This company stated they were representing XXXX XXXX in attempt to collect an alleged debt that was not verified. This company made harassing calls and or written communications but not limited to.This company then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.This company refused service for a complaint.This company willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company failed to follow FCRA 609 as demanded 43 times by way of certified mail.REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY.
Product: Debt or credit management

I am getting repeated phone calls from XXXX XXXX from Aldous & Associates ( XXXX ) with no information as to why- just that I need to contact them. A little searching has revealed that this is either likely a scam operation or at best a predatory collections company - and the issue may be in regards an old gym membership that is no longer active.

My credit score took a XXXX XXXX XXXX in the last couple of months and I couldn't think of why ; it now seems that it may be due to actions made by A & A. 

To my knowledge I have no outstanding debt with my old gym or any other business that might've sold the debt to A & A, I'd like to file a complaint against them for repeated harassment and attempted debt extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Credit Plus made an inquiry on my XXXX credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the company regarding the complaint to no avail. I am disputing both the validity the time and the debt itself. The debtes not mine but a family members and 8 years ago
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Enclosed below are the accounts that I have marked as inaccurate : XXXX XXXXXXXX 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 card or prepaid card

On XX/XX/2015 we paid XXXX XXXX XXXX credit card {$640.00} to be paid in full as we were in the process of buying a home for the first time and needed to create some credit ratio. Clearly states this for fact and a bank statement I hold my hand right now. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX attorneys at law for the course of seven years have been claiming that we owe XXXX XXXX and this is not so. Also they have reported this as a default and bad debt for 7 years which is completely false. I have been a victim of identity theft most notably from the XXXX data breach to which nothing has been formally ended or recovered. The sXXXX XXXX XXXX XXXX XXXX also use Portfolio Recovery Associates LLC two attempt to claim this debt that didnt exist. I have a court docket number XXXX to where they took me to court that I didnt even know was happening because of no paperwork or being served and want to judgment on this amount. Please help me in recovering my credit files to what they should be and also I believe I am owed a sum of money for damages.
Product: Credit reporting

I have stuff on my report that does not belong to me, I do not go by XXXX, i go buy XXXX, The Credit Bureaus see the info is not mine but told me to dispute this stuff with you.
Product: Credit reporting or other personal consumer reports

Ive asked all Credit bureau XXXX provide me with the original copies of the contracts of the debts. Ive also explained to them that they can inquiries thats on my credit report were not made by me and I would like for them to remove them. Ive also contacted the companies and asked for them to also send me documentation of this debt and I have yet to receive any information from all three Credit bureau or the companies and questioning that I owe these amounts I was just told that they investigated and found it to be correct but no paperwork showing
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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, Trans Union or XXXX  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 FICO 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: Debt collection

ZWICKER & ASSOCIATES, P.C. ATTORNEYS AT LAW From : XXXX, Ma. sent a sheriff deputy to my house trying to sue me for a credit card debt that I am disputing with XXXX XXXX due to the fact that my information has been compromised with XXXX and XXXX  and others. 
I wrote to XXXX XXXX and they never responded. I am requesting validation of the debt. My personal financial information has been compromised in a few sites and I been trying to clean this mess for a long time. This creditors and lawyers use the law to intimidate and harass customers and I don't appreciate the fact that a sheriff came to my house to serve me paperwork to sue me. As a consumer I have rights and I don't understand why is so hard to provide the validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act Convergent, XXXX, Creditor : XXXX XXXX XXXX , has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Based knowledge, I don't owe this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''