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

I sent a letter to validate an alleged debt to National Credit Systems on XX/XX/year>, as of this date, I have not received anything nor the status of the investigation.
Product: Money transfer, virtual currency, or money service

I was supposed to be buying an XXXX XXXX from this young woman on the XXXX XXXX XXXX. She explained that I had to send the money before she sent the phone. The phone cost {$200.00}. After she got the money, she blocked me on everything and basically scammed me. Ive literally sent CASH APP over 50 messages about getting a refund and I havent gotten a respond. Theyre supposed to take up to 24hrs to respond, its been 72hrs and I am fed up!!
Product: Debt collection

TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR REALESTATE DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM MYXXXX CREDIT PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

Once an item reports as Included in Bankruptcy, any pay history and balance should be removed per federal law. However, ten of my eleven accounts " Included in Bankruptcy '' still reported late payments in the payment history on my Experian credit report ; the only correct one is my XXXX XXXX account which was updated yesterday per a a separate issue. I do not have this issue with XXXX XXXX or XXXX. See the attached abridged credit report I obtained today online from experian pertaining to these accounts.
Product: Mortgage

Hi, my name is XXXX XXXX and I paid off my loan XX/XX/2021 and I am due 2 refund checks from escrow one for {$4500.00} and one for {$210.00} and some change. All checks has bounced in my account and I am being charged a fee for all {$15.00} each. XXXX XXXX XXXX  is placing a stop payment on all checks sent to me ( XXXX XXXX ) by Fay Servicing. My bank said, XXXX XXXX XXXX has a red flag on all checks going into that account. 

Property address is : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 

My mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Moving forward, please send me only cashier checks in the amount outstanding and due to me from my escrow account.

Please contact me ASAP via email. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Tue, XX/XX/2021 at XXXX AM, XXXX XXXX XXXX wrote : Hi, I paid the account in full accord to the pay off demand letter balance.. but there is still an outstanding balance. I am requesting you pay the balance off in full immediately and send me a receipt showing zero balance and a deed for XXXX cXXXX XXXX XXXX XXXX XXXX ca XXXX. 

XXXX XXXX Sent from XXXX XXXX  on XXXX  On Thu, XX/XX/2021 at XXXX PM, XXXX XXXX XXXX wrote : Dear XXXX XXXX, Thanks! 

Sincerely, XXXX XXXX Customer Service - Residential Fay Servicing , LLC XXXX toll free direct XXXX fax http : //www.fayservicing.com https : //www.fayservicing.comXXXX  This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. If you have received this email in error, please notify the system manager. This message contains confidential information and is intended only for the individual named. If you are not the named addressee, you should not disseminate, distribute, or copy this email and delete immediately. Fay Servicing is a debt collector, and information you provide to us will be used for that purpose. To the extent you filed a bankruptcy petition and received a discharge of your personal liability, or you are currently in an active bankruptcy case, this is being provided for informational purpose only and does not constitute an attempt to collect a debt or impose personal liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted confirmation of payment on accounts listed unpaid on my credit to XXXX, Transunion and XXXX SEVERAL times. After several attempts they will not update my credit reports correctly even AFTER submitting documentation from the creditors.

Creditors:

XXXX XXXX/XXXX- paid in full XX/XX/2018 XX/XX/XXXX

XXXX XXXX XXXX- settled and paid on XX/XX/2018

XXXX XXXX-settled and paid on XX/XX/2018XXXX

These accounts have been and I no longer owe them. Please make these companies update correctly. I have submitted documentation SEVERAL times.
Product: Money transfer, virtual currency, or money service

I was refered by my friend to purchase bitcoin and talk to her broker. At the time, I did not know her account had been hacked by a scammer. I was manipulated into paying {$2500.00} through XXXX on the XXXX and XXXX of XXXX to someone pretending to be XXXX XXXX XXXX XXXX # XXXX. I disputed the transaction on the XXXX, Bank of America said I could not get my money back.
Product: Debt collection

Despite numerous contacts with Capital One Bank USA NA A credit card issued to me was misappropriated and used without my permission. 
I explained to them that I could not have used the credit card as I was XXXX  in XXXX  XXXX  at the time. 
Capital One dismissed me by stating that I had given someone authority to act as administrator of my account over the phone and that I should have known about it. 
Despite my denials and proof that there was no way I could have used the credit card. 
They continue to post derogatory and negative remarks on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in writing multiple times that the XXXX  XXXX Bankruptcy on my credit report with all 3 reporting agencies be verified and that they provide the procedures in which they verify that this information is accurate. 

This is the information I have requested : XXXX  XXXX BANKRUPTCY, Docket  # XXXX Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2.The name of the person at the courthouse who handled your request 3.The address of the courthouse 4.Which document you obtained to verify the bankruptcy The generic responses I receive are that they were verified ignoring my requests for the procedures that violate my rights under FCRA 611 aforementioned. 

I've also verified with the XXXX XXXX courts that they have no role in the credit reporting process in which they made the following statement : The Bankruptcy Court has no interaction with credit bureaus, including XXXX, TransUnion, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

I previously wrote all three credit reporting agencies to investigate and verify the bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. 

It is quite clear that someone from Transunion, XXXX, and XXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that they IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX  XXXX BANKRUPTCY, Docket  # XXXX
Product: Mortgage

Please refer to my previously filed complaint # XXXX after subsequently learning that my old mortgage company, XXXX XXXX sold my loan to GITSIT. Prior to this, I had entered into an agreement with XXXX XXXX  to begin making payments on XX/XX/23, as I was on a forbearance plan. The plan required that I make payments through XXXX, XXXX, and XXXX after which the company would review my account for a loan modification. 

However, GITSIT Solutions does not appear that it is honoring my previous arrangement with XXXX XXXX and is forcing me to make a lump sum payment of six months to get caught up even after I explained to them my circumstances and the fact that I already had an agreement in place with XXXX XXXX. I need to know my rights and options for mortgage protection. Thank you.
Product: Debt collection

I entered into an agreement with Wakefield associates at the XXXX Tennessee office for medical debt. The debt was around {$1200.00}. My monthly payment I was told had to be {$120.00} or they could not assist with arrangements. The amount was paid for several months until I became ill. I then called a Wakefield rep to see if it would ok to lessen my payment for a couple of months and then return the original {$120.00}. I was told that it would be fine as long as I did not stop paying all together. So for one month I paid {$50.00}, the following month I paid {$75.00} and last month I began paying the {$120.00}. 

Beginning from XXXX to XX/XX/XXXXI have received numerous calls at work, which my supervisor does not allow personal phone calls. There have been two men calling stating they represent Wakefield and associates. 

They have been ask not to call again, but as of Friday XX/XX/XXXX the calls and hangups are continuing. The calls are harassing because they either call my direct ext and directly hang up, purposely allow my phone to ring to voice mail and then hang up or their asking any coworker who answers the phone questions regarding my personal business. Recently I have been receiving calls after XXXX XXXX and sometimes before XXXX XXXX. In addition to that, they have taken some of my payments and most recently {$120.00} and are not properly crediting my account. But they are consistently harassing and trying to intimidate me as if they are not taking my cash payments. 

Since I 've been away, I have a temporary house sitter, who witnessed an unknown man and woman in a car. the man approached the mailbox as if he was trying to read the mail. I 'm very honest in my reporting of this incident and I ca n't prove that this was someone representing Wakefield and associates but I simply have a strong suspicion that it was. Especially since my house sitter said that he heard the woman in the car say " lets call the cops, we 'll get her XXXX ''. How is this deemed professional protocol.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a certified letter which was received by TransUnion on XXXX XXXX, 2017 at  XXXX XXXX. I will include my USPS certified mail receipt for delivery proof. It has been well over 30 days and I have received no reply. At this point, by law they are required to DELETE the 2 accounts in questioned. ACCOUNT # 1 : XXXX XXXX XXXX # XXXX and ACCOOUNT # 2 : XXXX XXXX XXXX # XXXX. 

My next step is to take TransUnion to court for violation of the FCRA. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items are not deleted immediately. 

I will include my first written letter to TransUnion and also my last attempt letter to have these items removed. With the recent data breaches with XXXX, I would think TransUnion would take this matter more serious.
Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXX , DC XXXX Request for Deletion of Unverifiable Account from Credit Report Dear Consumer Financial Protection Bureau I am writing to formally request the removal of an account previously reported by XX/XX/XXXXon my credit report. This account, with a balance of {$2000.00}, was disputed with XXXX, and after a thorough investigation conducted on XX/XX/year>2025, and completed on XX/XX/scrub> 2025, XXXX determined that the account was unverifiable and subsequently deleted it from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to the protection of accurate and verifiable information on my credit report. Specifically, under 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information reported. Since XXXX has deleted this account, it is evident that the account could not be verified as accurate or complete. 

Furthermore, 1681i ( a ) ( 5 ) ( A ) of the FCRA mandates that any unverifiable account must be promptly deleted from the consumers credit report. Given that XXXX has removed this account, I urge you to follow suit and delete the same unverifiable account from my credit report immediately. 

If this unverifiable account is not removed within 30 days, I will exercise my rights under 1681n and 1681o of the FCRA, which allow me to pursue legal action against any credit reporting agency that fails to comply with the law. Please note that I am fully prepared to escalate this matter, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary. 

I request written confirmation of the deletion of this account within 30 days of receiving this letter. If you require additional information to process my request, please contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX XXXX. if my account was chargeoff i should have recivve a 1099 showing the chargeoff and it should not show a open balace on the account 15 us 1681s-2
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau on XX/XX/2023 and would like a reinvestigation I still have inaccurate information on my report! 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I hope you would be able to help! I will list the accounts below! 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX
Product: Debt collection

XX/XX/XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX VA, XXXX Remove From My Credit Report Account # XXXX XXXXXXXX Dear Spring Oaks, I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and * Any paperwork from Spring Oaks with my signature on it stating I have an account with you The current amount of the debt as of when the validation notice is provided. 

None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report and remove this from my credit report immediately Thank you for your immediate cooperation. 
XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX  has violated my rights by reporting an inaccurate late payment. This was also during the XXXX pandemic. And should be removed not only because of the violation of FCRA privacy and consumer laws, but also because of the CARES ACT provisions for consumers. 

15 US.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 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 item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received an inquiry from Macys which I did not apply for. I have no recollection of ever applying for their credit products and live about 1 hours away from the nearest Macys
Product: Debt collection

I received a court summons that I was being sued for an auto loan in the amount of {$5700.00} that has been over 4 years old which meets the statute of limitations in NJ. The court summons was closed by the courts and and no new filing was ever made. Yet the balance is still sitting on my credit report weighing it down and displaying as a negative credit report.
Product: Checking or savings account

I had a secure checking account with chase that starting closing the first week of XXXX and didnt " officially '' close till mid XXXX. I tried going in to branch to withdraw my remaining balance ( money from my paychecks deposited XXXX/first week of XXXX ) and was told id have to wait for a check in the mail which i should expect the first week of XXXX. That week came and went and I decided to phone in the end of the second week to see what was going on. When I finally got through to someone who was able to help, they informed me that no check was ever issued out because 3 days after they had originally told me id receive a check, they changed their minds and decided id only get my funds pending verification from maker. Ive deposited all my checks from that company into my account and Chase never gave me an issue, id always get my funds after the 9 day hold time. Long story short, they tried calling while I was on phone with them and kept getting a disconnected tone. They asked if I was able to get a hold of someone from company, and I informed them that I no longer worked there so my only option would be to drive to my former employers location, so thr next day before work thats exactly what I did, only to find out that the company was no longer in business. I again called chase and told them the situation and was told Id pretty much have to track someone down that could verify if I ever wanted to receive my funds. Im running out of options on what to do. I think its unfair that I cant have the money I worked hard for, especially because my checks have cleared and been given to Chase since XXXX/XXXX. Its now XXXX and I still have been given the same run around. Please help
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX has placed a judgment against my home that has prevented me from refinancing and have now frozen my bank account on a settled amount that was negotiated by a debit consolidator company that I discontinued service with that let to 1 of 15 payments being missed with out my knowledge since at the time I didnt not realize the debt consolidation had POA over the settled amount with the collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Accounts that need addressed on EXPERIAN. 
XXXX XXXX XXXX and XXXX XXXX. Both of these accounts have notes that state they have been disputed and I need the word DISPUTE removed from the comments. 
Im trying to get qualified for a mortgage loan and it is holding up the entire process. I have called seven times in the last 24 hours only to get a recording. There is no way in, to speak to a representative or a live agent. The computer generated call states that they will only address the issues of fraud and security freezes or how to obtain your credit report! 
I greatly appreciate any Assistance!