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

I sent a letter on XX/XX/2022 addressed to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. I immediately sent another letter on XX/XX/XXXX to follow up the letters I have been sending. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing fraudulent accounts from XXXX XXXX   XXXX attatched to addresses I have never lived at.
Product: Debt collection

I was a XXXX customer using their data service all of XXXX with no issues of payments at all, my bill was about $ XXXX I finished my relationship with them, both sides had satisfaction as nothing was owed. I completed my last payment in XXXX and moved to phone carrier XXXX. But recently I missed a few good benefits being a XXXX customer so I decided I'd switch back, this is when the problem was brought up. I entered a XXXX store sometime in XX/XX/XXXX for them to tell me they couldn't service me until a debt owed to a collection company was paid which happened to be Diversified consultants inc. I asked them how was that possible when I paid all of my months of phone service, never late, no issues or anything and the clerks in the store could not tell me how as they said my past account was handled by a different company who they no longer do business with and they had closed my account and sold it off to diversified as charge off debt. So XXXX even though they were the original creditors, could not verify or explain this random debt, only gave me info to contact diversified in which I did, when I did they asked me several different personal questions to they had everything about me except my physical i.d lol and they just said they'd send some account info through mail. I received their mail and it is very vague, no explanation of debt what so ever. It only shows a few different lines and a few different numbers, and random dates. It goes from a balance due being {$150.00} to {$230.00} to {$290.00} to now {$290.00}. This company has literally claimed a XXXX XXXX customer to be delinquent and created their own timeline and numbers then received a call from me because I caught onto the fraudulent act, only to ask me a series of personal questions so they could secure enough up to date personal info on me to place a debt on my credit report. Well I happen to have excellent credit and I have 5years history of onetime payments and no negative activity what so ever. The debt they seek of me is puny in regards to my funds in my bank account and credit card limits but its the injustice of it all, it's the principal, I will not let allow some scam company to bully me into giving them money I don't owe them. Failure on their behalf to provide a copy of any alleged original contract or other instrument bearing my signature with the particular debt in question of fraud, will result in a small claims action against their company. I will be seeking $ 5,000+ in damages for the following : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO GET UPDATED INFO ALL YEAR LONG ON THIS ONE ITEM ON ALL 3 CREDIT REPORTS IN WHICH THE ACCOUNT WAS PAID AN FULL BACK XXXX AN IT IS STILL REPORTING NEGATIVE THE ONE THAT SAYS XXXX XXXX
Product: Debt collection

Company contacted me on XX/XX/2022 regarding a fraudulent account allegedly taken out by my wife. I explained this is fraud and I am verbally disputing the debt and requesting a validation letter showing documentation that this loan is ours and owed. They refused to honor my request and stated they would be suing us instead. Later stated there is already a judgment against my wife. Did not state mini-miranda or call recording disclosure, called with a pre-recorded message, and violated the FDCPA as well as XXXX and XXXX XXXX I will be seeking legal action against this agency for malicious practices.
Product: Debt collection

On XX/XX/year> I received a copy of my credit report and found some accounts that I don't recognize being reported to my credit file which is making my credit report inaccurate. I have contacted these companies and asked about their procedures if someone is going through a data breach and experiencing Identity theft. I explained I have been going through ID theft for several years and unauthorized accounts are being reported to my credit file every other year. I was told I needed an ID theft affidavit which I will attach here. XXXX caused the latest data breach. I also filed complaints with XXXX  and the Attorney general for consumer protection. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires not authorized : XXXX XXXX Miscellaneous, XXXX XXXX
Product: Debt collection

Received letter from " law firm '', stating they are collecting for an alleged defunct credit card. I am exempt from letters as such, as I am a XXXX veteran, battling XXXX.
Product: Credit card or prepaid card

Payment was scheduled online in XXXX for the scheduled due date. Payment was scheduled to be the full amount of the balance due. He payment was credited t the account, and debited to my checking account, but Chase would not credit my payment.
Product: Debt collection

PROFIT SERVICES GROU Last reported XX/XX/XXXX {$74.00} Reported balance Original balance {$74.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Consumer disputes - reinvestigation in progress Original creditor name XXXX XXXX XXXX CONTACT INFO PROFIT SERVICES GROU XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX This bill was paid in full by my insurance company on XX/XX/XXXX, yet they sent it to collections on XX/XX/XXXX. I have reported this to to the credit bureaus and thy remove it and then the next month the collection agency puts it right back on, this has been going on forever. I have called the original creditor and thy say it is paid in full, and admit they made an error reporting it and will stop the credit bureau from putting on my credit report. I have called the collection agency and the lady who was a supervisor was uncorropative and hung up on me. This has caused me harm, I have been denied credit because of this and my credit score has suffered greatly. I have had to pay a higher interest on loans also. I just don't know what to do anymore to get them to stop calling me, and also to take this off my credit report. I never owed this debt, it was paid in full before they reported it to the credit bureas.
Product: Debt collection

I am writing to request your help. WESTLAKE FINANCIAL SVC is reporting false and erroneous information to the credit bureaus. This is affecting me in a huge way. I sent them my dispute notice on XX/XX/2020 and they did not even mark the account as disputed or run the popper investigation. The account I am writing about is the following : WESTLAKE FINANCIAL SVC : XXXX Date opened XXXX XXXX Status closed. 

This company has been committing multiple violations to the Fair credit reporting act. I am demanding a deletion letter from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I submitted multiple complaints to Experian Credit Bureau and asked them to remove the inaccurate information of XXXX account # XXXX, on my report and they clearly broke the law and are reporting inaccurate information and it is ruining my XXXX XXXX and this stress is affecting my physical health and my mental health. I can't sleep and I have lost so much weight. 

Look at how Experian is reporting inaccurate information and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the consumer reports they furnish and publish. There are multiple violations that carry fines and penalties. I will be seeking restitutions for these violations that by law carry a penalty of {$1000.00} per occurrence. 


Under the FCRA, I request that Experian cease and desist from reporting inaccurate information on my consumer report. 
Here are the laws that have been broken : 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code1681i Procedure in case of disputed accuracy. Section 5 A treatment of inaccurate or unverifiable information.
Product: Debt collection

I was contacted by XXXX about a debt supposedly owed to XX/XX/XXXX.  When i asked to validate the debt, the female representative started yelling, threatening to sue me if the debt is not paid. I told her I am unemployed and a XXXX XXXX XXXX, so I am unable to pay the debt. I told her I am currently seeking a part time job, and can pay a settlement offer of {$1600.00} but only if they delete the negative trade line. I am in need of a vehicle to get to and from work, and this bad debt is making it very hard for me to get financed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$13000.00}
Product: Vehicle loan or lease

We leased a car my husband an I together in XXXX  from JMC Leasing its not reporting my payments at all but its reporting my husband another car lot paid it out XXXX  an we got another car from XXXX an its on my report immediately Ive contacted JMC Leasing about them not reporting my payments an they said they would fix it that was months ago recently Ive written to the 3 major credit bureau about this problem Im having still waiting on response it started in the beginning reporting an all of a sudden it was off my report I have 2 loans on my report now for my 2 cars an they both are on there car has recently been paid off please help me my credit should be more than what it is it was a XXXX XXXX XXXX I contacted them several times about payments not being reported XX/XX/XXXXXXXX  an XXXXXXXX  an nothing has happen XXXX  was the man that I was talking to
Product: Credit card

I am requesting that Comenity Bank remove my closed account from my credit reports. 

In XX/XX/year>, Comenity Bank invited me to apply for the XXXX XXXX XXXX, so I applied. Comenity Bank approved my application. 

In XX/XX/year>, Comenity Bank requested that I sent in documents to their Account XXXX XXXX, so I sent the requested documents. 

In XX/XX/year>, Comenity Bank closed my account. In response, I contacted Comenity Bank with my dissatisfaction that Comenity Bank would open my account and close it the next month. It is not good for my credit reports to show my account opened and closed right away. I requested that Comenity Bank remove my closed account from my credit reports. Comenity Bank refused my request to remove my closed account from my credit reports.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$5300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given an AMEX gift card as a XXXX gift from my work. I've tried to use my AMEX {$200.00} gift card on a multitude of websites and it declines every time without fail. I've checked the balance and know for a fact that it has money on it. Granted, no longer {$200.00} as every time I try to use it, it charges a XXXX cent pending fee. So it can do that, but for some reason can't just work. 

I tried calling AMEX and received no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Product: Mortgage

I paid my XXXX mortgage payment to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, I had awakened to realize that Mr. Cooper withdrew an additional 2-months ' worth of mortgage payments ( including the extra amount that I typically pay towards principal ). I am not enrolled in an autopayment program with them, so it appears that they utilized my stored banking info to make these unauthorized payments. During my several attempts to reach their customer service line, I was placed on hold and then the phone would just disconnect. 

During the Covid-19 pandemic, I am thankful to be able to pay my expenses. However, by no means did I expect to pay a {$1700.00} mortgage payment on XX/XX/XXXX, only to have 2- {$1800.00} unauthorized payments withdrawn from my bank account 10-days later on XX/XX/XXXX. It is a weekend and I can not get anyone from Mr. Cooper on the phone to address this issue. When I called my bank, they were well aware of the issue and have received numerous phone calls from other customers who were also Mr. Cooper mortgage customers. Hours have passed, and the only correspondence from Mr. Cooper has been the following social media message almost blaming customers for payment issues, which the truth of the matter is that Mr. Cooper is responsible for billing issues that have resulting in stress, major bank account deficits and no quick resolution for their mortgage customers. 

Mr. Cooper 's social media message posted XX/XX/XXXX at XXXX XXXX  EST '' We are aware that some customers are experiencing payment issues today. We understand how concerning this is to those impacted, and we are working with the banks involved to resolve the issue as quickly as possible '' I'm writing today, to request that you look into this matter and the practices of this mortgage company.
Product: Vehicle loan or lease

I am writing to formally dispute the recent determination regarding the remaining loan balance associated with my vehicle, which was stolen and wrecked on XXXX XXXX. 

After my vehicle was deemed a total loss by my auto insurance provider, XXXX issued a lump sum payment of {$16000.00} to Bridgecrest to satisfy the loan. This payment was made following a guarantee signed with XXXX. However, it has come to my attention that Bridgecrest has provided XXXX with a statement of payments received that fails to account for the gap insurance payment that was also included in the 21 monthly payments I have made to date. Additionally, Bridgecrest applied the entire lump sum payment from XXXX solely to the principal balance and has not adjusted for the total loss. 

Despite the payment from XXXX, I am being told that I still owe a balance and am required to continue making monthly payments in the amount of {$560.00} without any adjustment to reflect the lump sum payment or the total loss of the vehicle. This situation appears to be unconscionable and raises concerns about fraudulent business practices, as the XXXX payments and the lump sum received should have been properly factored into the loan balance and final settlement. 

I respectfully request a full, detailed breakdown of the loan balance after the lump sum payment from XXXX was applied, including how the gap insurance premium payments were incorporated. As well as an explanation of why I am still being required to make monthly payments despite the settlement and the application of the lump sum payment.

I sincerely believe the current handling of this matter is inconsistent with the terms of a conscionable agreement and may involve practices that are not in compliance with fair business standards.
Product: Mortgage

I applied for a loan modification with Nationstar, based upon the qualifying hardship of a legal separation which will result in a reduction of household income and a significant increase in my expenses, because I will need to pay spousal support once my former wife moves out. I filed an appeal which was also denied because they do not consider legal separation the same as divorce, even though the hardship affidavit list them together, another reason given is that the loan is in just my name, which is not a valid reason because I will be retaining ownership of the property, and my former wife, even if she were on the loan, would need to be removed.
Product: Debt collection

On XX/XX/2018, upon checking my bank account online I noticed I had three ( 3 ) overdraft fees of {$29.00} from XXXX. 
I called the XXXX XXXX number to ask why did put the checks through, now, three times. In the past, XXXX has notified XXXX will only put a check through two times and then send written communication to the consumer for payment and/or legal action. 
I was informed by a XXXX rep. when I called on XX/XX/2018, that they no longer collect return checks in-house and that the company Certegy now handles all of their return checks. 
I called Certegy and found out they were the ones who debited my checking account WITHOUT ANY WRITTEN NOTIFICTION/COMMUNIATION to me as the consumer at all. 

I could not provide a control number for the Certegy rep. on XX/XX/2018, as I NEVER received any written communication notifying Certegy was now handling the debt collection for XXXX. 

I was NEVER GIVEN the chance to pay my debt or set up arrangements to pay my debt. 

*CERTEGY DEBITED MY CHECKING ACCOUNT WITHOUT ANY WRITTEN NOTIFICATION AND/OR CALL AND WITH MY PERMISSION. 

Yes, I owe a DEBT, BUT THAT DOES NOT GIVE ANY COLLECTION AGENCY RIGHT TO DEBIT MY ACCOUNT WITHOUT PERMISSION, UPON TAKING OVER FOR ANOTHER COMPANY.

Certegy 's actions caused my bank account to overdraft. 

This is not right and certainly not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  failed to report correct balance for account XXXX