23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I b elieve you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 (
a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Received defective products with XXXX. Notified XXXX. Issue should have been resolved. Junk Debt buyer purchased debt for XXXX cents on the dollar and never provided validation of debt which is required under FDCPA. This is a right as notice of consumer is required. Invaded credit report and tarnished credit
Product: Credit reporting or other personal consumer reports

This account was removed and added even after providing all relevant information. 
IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations. 

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA. 

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Debt collection

I am filing this complaint regarding a debt that LVNV Funding, LLC is attempting to collect, which is inaccurate and unverifiable. The account in question is a collection for XXXX XXXXXXXX XXXX, with an alleged balance of {$600.00}. XXXX XXXX has reported this debt to the credit bureaus, which is damaging my credit profile. 

On XX/XX/XXXX I sent a formal debt validation request to XXXX Funding under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In this letter, I requested that LVNV Funding provide the following : 1. Proof of ownership of the debt, including the original signed agreement or contract. 
2. A complete account history from XXXX XXXX XXXX detailing the balance, charges, and payments. 
3. Documentation proving that LVNV Funding has the legal authority to collect this debt. 
4. Verification that the debt is not time-barred under state statute of limitations laws.

LVNV Funding has failed to provide any of the requested documentation. Instead, they have continued collection efforts and reported this account to credit reporting agencies, which is a violation of the FDCPA and Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

This failure to validate the debt has caused harm to my credit score and financial standing. I believe LVNV Fundings actions are deceptive and unlawful under 15 U.S.C. 1692e.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase refuses to cancel the " XXXX XXXX '' service I never signed up for because I have no active accounts with them. I closed out and paid off all balances due so when I call they can not find an account to remove me from this service. I have tried 5 times to talk to someone and no one can remove me from their list. I do not authorize this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to resolve a problem with TransUnion regarding an " adverse '' credit report. I have tried to go thru the online dispute mechanism but it is cumbersome and when I get to the section to upload supporting files, it only allows the upload of image files - I can not even upload a XXXX document! I can not properly dispute the " adverse '' info without providing a XXXX document. I contacted TransUnion and requested to email the supporting documents. I was told that I would have to ( snail ) mail the supporting documents. I was unaware  civilization has regressed to the Stone Age? I have numerous supporting documents regarding my dispute. Surely a company in this day and age can accept emails with attachments? Why can TransUnion not accept emails? How can anyone properly dispute " adverse '' info using image files alone? A XXXX  document would seem to be a necessary prerequisite to explain the issue. If the company is so backwards it can not accept email, it has no business being responsible for the creditworthiness of millions of individuals.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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: Debt collection

I received a phone call from XXXX XXXX onXX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}.

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX   remaining ).

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used.

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with XXXX in XX/XX/XXXX ( XXXX now services XXXX XXXX  loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago.

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I received notice from XXXX that a derogatory entry had been made on my credit report. 
Upon investigation, I found that my mortgage company, Pennymac, reported a late payment to my credit report. Up until that time, I received NO contact from Pennymac telling me a mortgage payment was late. I was on an AutoPay with Pennymac for about 2 years, and had no prior issues.

I immediately contacted Pennymac and was told my account was in arrears for my XX/XX/XXXX payment. I told them I was never notified my phone, voice mail, text or email. They told me they had called several times with no answer. I had previously received numerous calls and mail from Pennymac trying to sell me a HELOC. I told them I already had one from another lender and was not interested. Despite that, they kept calling over and over and sending letters by mail- ALL trying to sell me a HELOC. I got so many of those calls that I stopped answering them. 

I NEVER received a voice mail, letter, text message or email telling me my XXXX payment was overdue. 

When I called them and asked them to remove the late payment from my credit bureaus, they told me I had cancelled my AutoPay in XXXX and made a manual payment that month. I DID NOT cancel my AutoPay. They kept telling me I did cancel it and that they called several times to tell me my XXXX payment was overdue- AGAIN, I never received a voicemail, text or email message from them about the late payment. 
I wrote to them several times explaining the situation and lack of notice and asked them to remove the late payment from my credit reports. They denied it 2 times. 

I don't know how the autopay was cancelled, unless someone hacked my online Pennymac account. I did NOT do so. When I called them the first time- on XX/XX/XXXX, I immediately paid the XXXX and XXXX payments and the late charge. I also redid the AutoPay online.

AFTER all of this back and forth, I received a letter from them dated XX/XX/XXXX and received on XX/XX/XXXX or XXXX, telling me my XXXX payment is past due - at that point the payments were already made. 
To restate, I NEVER received ANY voice messages, emails, text messages about any late payments. The only calls I received from them were about selling me a HELOC. So many calls that I finally stopped answering them. 
NONE of the calls I received from them resulted in a voice message- and voice mail has been setup and working on my phone number - XXXX for over 10 years. 

I have NEVER had ANY late payments or missing payments on ANYT of my accounts- including Pennymac XXXX credit cards, personal loans etc. in OVER 40 YEARS- NEVER. I told them that and that they can confirm that on my credit record- all to no avail. 

Please contact them to have this late payment deleted from my credit records.
Product: Debt collection

I had been getting incessant calls from Phoenix Financial Services regarding an unpaid debt for an emergency room visit. I had informed them multiple times of the status and why it has gone unpaid ( there is a pending lawsuit ). XX/XX/XXXX, Phoenix Financial Services called me and I asked for a verification of debt. I never received one, yet they called me again on X/X/2017 to inquire about payment. I informed them that I had not received their verification of debt and that they were breaking the law by calling me. They said that they had sent it already so it was not breaking the law. I asked them for a tracking number, but they did not have one. This leads me to believe they did not really send the requested verification.
In addition, the telephone agent was rude and was routinely spoke over me. I asked if she was going to allow me to speak and she said no, so I hung up.
Product: Credit card or prepaid card

In reference to my complain XXXX filed with CFPB on XX/XX/2021. CFPB closed my complain based on company response. that they mailed check to XXXX XXXX. 
I received email from XXXX So ( XXXX resolution for Bank of America ) ( case # XXXX ) and spent couple of hours with XXXX XXXX XXXX XXXX XXXX ( XXXX ) at my local branch, he left voice mail for XXXX at XXXX ext XXXX. ( The number provided in the response from BA ). I called this number and left voice mail too. I emailed them my concerns. No one called back, no one answered my email. 
In my correspondence I wrote that XXXX XXXX did not receive check that was mailed out on XX/XX/2021 and asked BA to check if this check had been cleared. 
If not, I asked them to stop payment on the check and issue another check to me or XXXX XXXX, XXXX check had been cleared, I asked to provide a copy of the check. 

I am really DISAPPOINED -- the way you've closed my case, you should do this based on the fact that the requester ( me ) got my money back, -- and the way BA handled my case. The payment was sent to them electronically and should be returned the same way. That's the way I understand " the original source '' and before they replied they should be sure that mailed check had been cleared .by so called " original source :..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 for any purpose.
Product: Debt collection

Oracle Financial Group   XXXX   XXXX   XXXX    XXXX  NY   XXXX   Toll Free :   XXXX   www.oraclegroupllc.com   XXXX   XXXX  , 2017   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , CA   XXXX   Original Creditor :   XXXX   XXXX   XXXX   Balance : {$4000.00} Reference :  XXXX  Account ID :   XXXX    Dear   XXXX   XXXX  , Thank you for your request. Please be advised that we have been hired to collect the above referenced account. Your account is severely past due and must be paid. If the balance is left unpaid your account may be referred to an attorney for suit. The outstanding balance on the above referenced account is {$4000.00} AND WE CAN ACCEPT {$2300.00} TO SETTLE THIS ACCOUNT IN FULL. You can resolve this matter by calling us and paying by phone or sending your check or money order along with the bottom portion of this letter. In the event that your payment declines or is returned for any reason a fee will be charged. Upon receipt and clearance of the payment in full, there will be no further outstanding obligation pertaining to this account. We take pride in assisting our customers to resolve their situations. If you have any questions or wish to discuss your account with one of our representatives, please call our toll free number at   XXXX   during normal business hours. Monday - Thursday   XXXX   XXXX   -   XXXX   XXXX   EST ; Friday   XXXX   XXXX   -   XXXX   XXXX   EST ; and Saturday   XXXX   XXXX   -   XXXX   XXXX   EST. This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a communication from a debt collector. Respectfully,   XXXX   XXXX   Collection Manager
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 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 card

I reached out to Capital One to dispute a XXXX charge of {$580.00}. The charge I am disputing was made on XX/XX/XXXX posted on XX/XX/XXXX. The agent incorrectly disputed the charge made on XX/XX/XXXX, posted on XX/XX/XXXX for the same amount of {$580.00}. This was the same XXXX  bag in different colors. XXXX provided a refund for the charge made on XX/XX/XXXX, posted on XX/XX/XXXX but did not provide a refund for the other bag I returned. Again, there was no refund for the charge I am disputing and the refund applied to a different bag that was already refunded. I have enclosed communication I had with the merchant about this charge on XX/XX/XXXX confirming that my refund was due to me for this order placed on XX/XX/XXXX. 

XXXX Order XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORDER # XXXX XXXX Return date XXXX XXXX XXXX XXXX XXXX  Return Tracking : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORDERED ON : XXXX XXXX XXXX ORDER # : XXXX Return date : XXXX XXXX XXXX4 XXXX  Return Tracking XXXX XXXXXXXX {$580.00} The dispute was resolved in my favor via an XX/XX/XXXX letter ( enclosed ). Capital One recanted and stated the letter was in error. I redisputed and said if the initial dispute was placed under the other bag I ordered for the same amount ( purchased XX/XX/XXXX, posted XX/XX/XXXX ) that was already refunded, I asked Capital one to dispute the account under the correct item ( purchased XX/XX/XXXX and posted XX/XX/XXXX ). They refused to do so closing the case and investigation when they initially resolved it in my favor. Both of the bags with a charge of {$580.00} were returned to XXXX as stated above by the return tracking. I am not not in receipt of any bag for either order.
Product: Student loan

I have already filed several complaints about AES/PHEAA. I was notified by a XXXX XXXX let @ XXXX, who pretended to be from your office, he said he was from CFPB. I found out this morning he is n't from your office, but is actually works at XXXX. 

This has wasted weeks of my time. They AES/PHEAA confirmed and admitted ( see attached transcript of XXXX, conversation at XXXX ( XXXX ) with XXXX that proves they verified the loans are not mine ) the student loans they had XXXX, and collected on, and reported negate credit reporting in my name are in fact, not mine. 
They conclued their investigation on XXXX admitting they made a mistake and have my name on soneone elses loans. I these XXXX loans total {$10000.00}, original amount. My XXXX loans I got was total {$3500.00}. We proved by providing AES/PHEAA, this with my original promissary notes I located recently, the XXXX of my college provided AES/PHEAA with their original shoeinf amounts of my XXXX loans which show different dates and amounts, the dates and amounts are not even close to matching these loans they have in my name, The original lender, XXXX XXXX Bank notifying AES/PHEAA, they never issued me a student loan, and original Loan Guarantor, XXXX, notifying AES/PHEAA, they never were guarantor of my loans. 

XXXX straight forward. But today, this person, XXXX XXXX, told me they know these loans are not mine, and they refuse to remove my name off these XXXX loan 's and correct their mistake, essentially forcing me to pay these loans off, bucause in XXXX they sold the loans to XXXX loans. 

This is absurd, first protruding to be this office, and then refusing to correct their mistake. 

Please for the love of XXXX will soneone from your office call me at XXXX, today. I am a XXXX vet and they are knowingly discriminating against me. 
Pretending to be you.
Product: Student loan

I requested the School Misconduct Discharge application and was sent to other forms that do not handle this request. I'd like to get the correct form so I can start the process to discharge my loans that were used to attend XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED TO INDIGO ( XXXX ) AND DESTINY ( XXXX ) AND XXXX XXXX CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY DISCARGE XX/XX/2021 2021