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

sent debt furnisher a validation letter for the inaccurate reporting. The company has not responded. 
They are communication with me through my consumer report after being notified that the account inaccurate until validated that there is a contract solidifying business with consumer along with a valid signature and more 15 usc 1692g section 809 ( b ) Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) outlines the validation of debts.

This section requires debt collectors to provide consumers with written verification of a debt upon request.

Consumers have the right to dispute the debt within 30 days of receiving the validation notice.

Debt collectors must cease collection activities until they provide verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX and Transunion. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Product: Credit reporting

Ive contacted this company several times for several years trying to obtain information on an account that they are reportung on my credit file XXXX times, i have constantly disputed this account without resolution, it simply is not my account, its fraud please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/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
Product: Debt collection

I received a letter stating I owed money to a debt collector, and I know I never applied for the loan they say I owe. I have asked them to send me the information in regards to where it was sent, and they said they would, but I have never received any information. I now receive numerous phone calls stating that if I can get the information on a previous identity theft, they will reduce the cost. They are not willing to send me any information on where this money was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion to verify an account placed on my credit. The company 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount asking {$140.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 604 A It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Company Chase Card Services Charge : Credit Card Charge XXXX for {$1100.00} on XX/XX/2023 Charge Reinstated during month of XXXX Description of the event : During a recent trip to XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I visited a XXXX called XXXX XXXX address : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX At this XXXX I ordered a couple of drinks and XXXX for a while. While I was XXXX I was approached by someone who falsely claimed to work at that XXXX They proceeded to ask if I would like to close out XXXX XXXX tab. As it was later in the night, and I was not feeling great because of some stomach trouble I decided it was a good time to close my tab. 


They had a card reader with them and I paid via XXXX XXXX. They Left the XXXX  ; I proceeded to pack my things and was then asked while leaving by the XXXX XXXX to close out my tab. I explained that I had already paid. The bartender informed me that the person who I paid does not work at that XXXX and had to close my tab. I looked around for the person who pretended to work there but was unable to find him. The next couple of days I was stuck at my hotel with very bad XXXX XXXX 

My chase card is my most used card, since the payment was via XXXX XXXX, I knew they did not have my credit card information to steal additional funds. 

A police report was not filed in XXXX as I had to leave in a couple of days and most of the rest of my trip was spent stuck in my hotel room fighting XXXX XXXX 

On the XXXX of XX/XX/2023 I called Chase card services to report the fraudulent charge. After speaking with the fraud agent, it sounded like a clear-cut case and no further action was needed on my behalf. Had the chase agent notified me that I needed to provide more information I would have gladly but the charge was removed and I assumed all was well. 

Post Event DetailsXXXX XXXXChase Card services failed to notify me that the charge was being reinstated on my credit card. 
-The charge was reinstated over the 60-day limit within the first billing error and report XXXXCredit Card was put over limit due to this charge impacting my credit score. 
-First Call to Chase Card Services notified me that I would receive a call back within a business day. 
-Second phone call notified me that it could take up to 5 business days and that I should have filed a police report in XXXX even though that was not prompted by the original call made on the XXXX of XX/XX/2023. 
-Third phone call I was told again that I should have filed a police report in XXXX even though this was never prompted before on the first call. 
-A formal complaint was later mailed to Chase Card Services notifying them that the charge was fraudulent and for any supporting evidence of the charge to be sent to me. 
-A letter was mailed by chase notifying me that they will not notify the credit bureaus with a correction to the charge. 
-A phone voice message was received telling me that they are not going to resolve the fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

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 XXXXXXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 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 a account without my written permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; 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 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

There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the incorrect addresses from my credit file. 
They have never been used by me for XXXX XXXX XXXX  application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Product: Vehicle loan or lease

I have an open account with citizen, I I believe that I may have been late for a payment. However I lost my job due to cove-19 pandemic and have recently started a new one. I continually am catching up. How ever I did request to citizen that the payments not be marked as late as I am paying as quickly as the funds become available to me. In addition XXXX is marked 30 days late and XXXX payment are not due until til XX/XX/XXXX. This is completely unacceptable and Id like it to be resolved in a timely manner.
Product: Credit card

The date of the first delinquency that I have does not match that date that I have. under 15 USC 1681 BE you must provide the maximum possible accuracy.

Im also requesting the full disclosure of the CMI of my profile.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. XXXX ) against them for similar violations. I request that the CFPB federal law and provides consumers with the necessary proof of investigation. Accounts in question : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX.
Product: Mortgage

I refinanced my home on XX/XX/21 it closed on XX/XX/21. 
My old lender Citizens One mortgage is holding my escrow account balance and gives me different amounts that they plan to send at some date in the future. 
I paid my city ( XXXX  ) taxes myself so I could close on my refinance. 
Citizens One tried to pay them the same week after not paying them the previous summer, with no explanation. 
My city tax department rejected the payment from Citizens One and they should have refunded me that {$2200.00} plus {$33.00}. 
The customer service people at Citizens one keep giving me different amounts of the refund they are supposed to be sending and they have not addressed my questions to their online consumer service email system. 

I have a copy of the receipt from my city 's tax department to XXXX Tax Services, the service company for Citizens One tax payments, rejecting the tax payment because I had already paid all the unpaid summer taxes myself.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$0.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00} INQUIRIES : 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 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 or other personal consumer reports

I am writing to dispute the inaccurate and inconsistent information reported across all XXXX  major credit reporting agenciesXXXX, Experian, and XXXXregarding XXXX of my accounts. These discrepancies include conflicting account balances, payment histories, and account statuses. 
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and consistency of the information they report ( 15 U.S.C. 1681e ( b ) ). Given the significant inaccuracies and inconsistencies in the reporting of this account, I request that the account in question be thoroughly investigated and subsequently deleted from my credit report. Please see screenshot attached :
Product: Debt collection

TrueAccord account number is : XXXX ... XX/XX/2023, i sent dispute letter to trueaccord, and on XX/XX/XXXX trueaccord acknowledge via email that they receive my dispute letter via email. and I also mailed a physical letter to them as well. After submitted my letter, Trueaccord continue to send me 10 email 's without sending me the proper debt validation pursuant 15 USC 1692g & 1006.34 Notice for validation of debts. Dates of email 's after my dispute are : XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX, XXXX, XXXX, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 XXXXXXXX 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.
Product: Debt collection

My home at XXXX XXXX XXXX, XXXX XXXX, Fl is owned by me free and clear. There is an unknown Social Security Number with my name and an account number listed with Select Portfolio Servicing , Inc ( SPS ). They claim an old loan associated with XXXX  XXXX XXXX, XXXX. REMIC trust of XX/XX/XXXX, specifically, XXXX XXXX XXXX, that no longer exists, investors ( beneficiaries ) sued and won their lawsuits. There are no beneficiaries due money. My mother passed on in XX/XX/XXXX. I was added to the General Warranty Deed in XX/XX/XXXX. In XX/XX/XXXX, my mother was already deceased for 3 years. Its upsetting and criminal that an unknown Social Securty is linked to my name and home. Im not able to verbally communicate with SPS since my Social Security Number doesnt match their records. They transferred my home over to their REO section to sell. I previously filed bankruptcy because of identifying theft. My home was listed as an asset and was not contested. I have a Florida Homestead Exemption for Veterans. I contacted XXXX XXXX, XXXX. as trustee, and they claim no knowledge or interest in my property. I have no account or anything due them. I was told to report this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit.
Product: Checking or savings account

This occurred on XX/XX/2020.Capital One without my permission withdrew {$12.00} from one of my accounts and transferred it into my other checking account with a negative balance they created, now I'm out of {$12.00} that I would like back, and that Capital One just close all of my accounts
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I submitted the front of my id, a utility bill and my social security card to transunion credit reporting agency in my defensf of XXXX. I provided documentation to prove Ive received couseling from the givernmnet official agency about my situation. Transunion has not responded nor remove blocked and deleted the debts from my credit report. I provided all documentation as well as a self attestment validated by a court appointed rep. from the courts with the time stamp and dates on it. I am XXXX compliance with the final rule which establishes me as a victim of debt XXXX. Can you please block this information from my cra reprot immediately within 4 business days as stated in the fcra 605c. I have included all the items that were asked to be blocked and delete but nothing as happened and it has been well over 30 days. Ive included the certified mail to provve that this dispute was sent and received as well as ignored XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 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.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other tan records of convictions of crimes which antedates the report by more tan seven years. 15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX
Product: Student loan

Nelnet Bank Refinance Account number XXXX I refinanced my federal student loan on XX/XX/, I have sent in multiple extra payments specifically asking the bank to apply to my principal. After making my obligated monthly payment, I requested every extra payments be applied to my principal via emails, verbal conversations by phones and writing on the check and they are refusing to do so and applying mishandling my extra payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have made several complaints to CFPB and BBB about 2 XXXX XXXX cards showing up on my credit. XXXX XXXX even took me to court over the accounts and could not prove the accounts were mine. We went to court twice, the cases were both dismissed after the second court date. These accounts need to be removed from collections AND my credit.
Product: Debt collection

NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Toll Free Fax ( XXXX ) XXXX ( XXXX ) XXXX I received a notice from XXXX on XX/XX/XXXX. NCC is actively seeking to collect a debt of XXXX dollars placed by a manager of XXXX XXXX XXXX XXXX/XXXX against me. However, I have called the manager and found out this debt is a mistake on the managers side. In other words, the debt of XXXX dollars is invalid. The attached email discussion is the written proof that this debt is invalid and the manager did request NCC Business Services , Inc. to remove the account of collection on XX/XX/XXXX. Such request of the manager is the manager 's second attempt to contact NCC and correct the mistake. In addition, I also disputed the validity of the debt via mail and fax on XX/XX/XXXX. In the certified mail and faxed materials, I attached the same proof to establish that the debt is invalid. 

However, I received another mail against my dispute from NCC on XX/XX/XXXX. It is obvious that as of XX/XX/XXXX, NCC is still actively seeking to collect this false debt of XXXX dollars which was mistakenly placed under my name, in spite of the original creditors and my efforts to correct the mistake. The enclosed information NCC sent in that mail was both outdated and probably from the managers initial mistake without any reflection of the original creditors and my efforts to correct the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being violated as a consumer, my child support is showing as a collection on my Experian report, but I have never been late, and all the other bureaus are showing I have never been late I don't know where Experian gets this info from. I have tried fixing this error numerous times. How can this be a collection and current? Experian is not checking with the furnisher as they should. Experian responded in the last complaint that they did which is a lie because I reached out to the furnisher, and I'm told to dispute with Experian