23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter with the mailing address of FBCS , INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX - attached Letter XXXX XXXX XXXX XXXX is the principal agent for FBCS, INC. ; and I believe XXXX XXXX XXXX is XXXX in the same as FBCS , INC. 

In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX XXXX is acting as President and Chief Executive Officer of XXXX XXXX XXXX XXXX XXXX. ; and i believe XXXX XXXX is XXXX in the same as XXXX XXXX XXXX XXXX XXXX. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', XXXX XXXX XXXX XXXX attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter XXXX is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter XXXX. 

I believe Letter XXXX is an attempt to collect on an unverified DEBT sent through the XXXX XXXX, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  I have reporting this information for over two years and it cost me in numerous of way not being to provide shelter or purchase items at reasonable price conducive to my actual credit report. It has my credit score slightly down. I want this corrected immediately. It is registered with a XXXX balance and showing a foreclosure. You can't have a foreclosure and XXXX balance. I also can not have two1st mortgages at the same time. I also have spoke to this mortgage company and they have agreed it is inaccurate and stated it would better if XXXX and the credit. Bureaus correct their information. This information should be expedited on my report as soon as possible. I would this complete by tomorrow, I have waited too long for this process. I can be reached at XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I went online, asked to make my payment for a different amount per their website tool, and asked to pay off the loan. They took {$1400.00} which was the quote to pay this off. They also took an additional {$220.00} which was my usual payment. When I called, I was told that the payment was already processing and there was nothing they could do. They refused to refund this amount or even look further into the issue and again stated that payment was already processing. When I asked to speak to a supervisor i was told " you can but they will tell you the same thing, it was already in process and we can not stop it or refund it ''. I have emailed and not received a response.
Product: Debt collection

unauthorized inquires on my credit profile! XXXX XXXX  and XXXX  have false inquires on my credit profile! i did authorize none of this as my ssn been compromised
Product: Credit reporting or other personal consumer reports

Experian is repeatedly reporting fraudulent information on my consumer credit report. After many opportunities to correct their error ; they are still reporting the account.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my credit report. Upon reviewing my credit report, I have identified several unauthorized accounts that have negatively impacted my creditworthiness. I strongly believe that these accounts are the result of identity theft and require immediate attention and resolution. 

The following are the specific accounts in question : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me.
Product: Credit reporting or other personal consumer reports

Nissan infinity financial services is reporting an account that is open on my credit report that needs to be closed this account was included in the chapter XXXX bankruptcy whenever I call and spoke to a representative on the telephone the representative advised me that there is account that is open also my attorney has a called XXXX way and they did the same thing we're going to take legal actions against XXXX financial and infiniti finance
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment incorrect and needs to be updated on all 3 reports consistently.
Product: Mortgage

I am requesting your immediate involvement to assist in solving the problems that exist when my loan was assigned to servicer - LoanCare , LLC. I am a FIRST time home buyer in Michigan. I closed on my FHA loan in  XXXX  2017. My first payment on this mortgage was due   XXXX   XXXX  , 2017 in the amount of {$540.00}. I received a letter from   XXXX   XXXX   dated   XXXX   XXXX  , 2017 instructing me to make this payment directly to them ( see attached ). I received a letter on   XXXX   XXXX  , 2017 from LoanCare , LLC instructing me to make all further payments to LoanCare , LLC. I have adhered to both of these letters. The PROBLEM arose when I was contacted by LoanCare informing me that they are missing my   XXXX   2017 payment. I have explained to them in THREE different conversations that I was not instructed to pay my mortgage to them in  XXXX . At the present time, they reflect my account 30 days delinquent because they did not receive my   XXXX    payment. I paid the mortgage payment as instructed to   XXXX   XXXX  . Although I have provided evidence of this neither   XXXX   XXXX   nor LoanCare will correct the records and my credit is in jeopardy for erroneous information. I have been promised each time that someone will return my call, this includes escalations to management (  XXXX  between  XXXX - XXXX  ) no one is responding. This is extremely frustrating as a first time home buyer that I am the victim in this entire mismanagement of my account and no one seems to care. They ( LoanCare ) keep asking me for payments that were made according to documents received. My next payment is due   XXXX   XXXX   but I am being told I owe for   XX/XX/XXXX   by LoanCare because the payment I made to them fo r  XX/XX/XXXX  posted for  XX/XX/XXXX . I  have done everything in my power by providing proof of payments but I am getting no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was informed by a mortgage lender that there was a judgment on my public record for {$2500.00} that was filed in XX/XX/XXXX. After researching to see what it was from, it was determined to be from Capital One. I had no knowledge of this at that time and wasnt given the opportunity to appear in court. 

I had been paying Capital One directly and made a final payment in XXXX of XXXX. However, they are also still reporting it as a collections account for {$160.00}, but never informed the court that payments were made resulting in inaccurate information on my public record. 

Currently, I have this double reporting for the same debt in two different amounts and the collection agency ( XXXX XXXX XXXX ) has not responded to verbal or written requests to resolve this, by updating the court and/or providing me with current documentation, which is preventing me from closing on a home during a highly competitive market and putting me at risk of losing it.
Product: Credit card or prepaid card

I have called capital one card multiple times as they are charging me 24.99 % interest and I am drowning in debt. They refuse to help me at all. I am having issues with medical bills and can't catch up and barely making payments. This is an abusive practice and they won't help me. Please help me I beg you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX GLOBAL LENDING SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my XXXX consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) I have not initiated any transaction with GLOBAL LENDING SERVICES LLC. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with GLOBAL LENDING SERVICES LLC for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Best regards, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXXPrincipal WITHOUT RECOURSE cc : CFPB
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXXXXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHAN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian Credit Reporting agency, XXXX credit reporting agency, and XXXX credit reporting agency on multiple occasions to respond to my request with regards to the replying to my request per FCRA 611 ( 15 U.S.C $ 1681l ). My request to Experian was as follows : Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. 

For example, the person you spoke with at the bankruptcy court. Moreover, would you please provided me a complete copy of all of the information that was transmitted to the data furnishers as part of the investigation, as is required by FCRA : For example, who did you speak with? What was the date? How long was the conversation? What was the position of the individual you spoke with? What number did you call? What is the name of your employee or their I.D . number of the person that spoke with directly? What number did your employee call? And what is the position of your employee that spoke to the at the Bankruptcy court? 

Experian has refused to provide me with the information per Federal law. Attached please for the letter that I sent in addition to Experians response to my CERTIFIED MAIL REQUEST mail on XX/XX/2022. 

As I am sure Experian did not contact the Bankruptcy Court nor any other agency per the FCRA law as required to furnish me with my requested information. 
I would like very much for them to follow the law as required and provide me with my request.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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 than 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act. These Accounts ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX KS XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX 1. XXXX 2. XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

| The accounts below have violated my rights.

| 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.c 1681 Section 604 A Section # * 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating id 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 XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously contacted the credit reporting agency regarding this account and requested that they provide documentation verifying my agreement or any information that links me to the debt. Despite my efforts, they have been unable to furnish the necessary documentation. 

This bad accounts are causing unexpected complications for me, particularly in my ability to apply for new credit. Initially, I believed there XXXX have been some confusion with my mortgage company, but I have now learned that the issue relates to a credit reporting agency that I had not previously heard of. 

They are not even abiding by what I learn is the Fair Credit Reporting Act, which ask this agency to remove items from a consumer 's report if they are unable to verify the accuracy of the information. Given the lack of verification provided, I respectfully request your assistance in ensuring that these accounts are removed from my credit report. 

This matter is urgent, as the presence of this unverified account is creating financial challenges that I did not anticipate. I would greatly appreciate any help or guidance the CFPB can provide to resolve this issue.
Product: Checking or savings account

In XX/XX/year> I purchased a XXXX XXXX from XXXX. The XXXX XXXX was never sent by the company. They have not refunded me as they advised they would either. I disputed with my bank. I have sent all communications with XXXX XXXX to show I do not have the product, they have not refunded me and they are not communicating. As of now their website is non working! Only their social media pages are up. I did not use XXXX to buy this dress but my debit card on their site! I sent Usaa all documents to show this and everything else and Usaa is not helping. They did not complete a thorough investigation. They didnt send documentation with a reasonable or thorough explanation to advise why they are not assisting me with recovering my money from the merchant. I have no dress, no money and USAA has made my account negative. The reps have been argumentative. Ive been passed around and Usaa refuses to have management call me to advise what they will do to assist me. I am very upset. I have any and all documents. I am not letting this go until Usaa does the right thing and takes care of this. Their bank practices are very concerning to people who are not XXXX or make over a certain amount. I will also file with my attorney general as this is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please update this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX XXXX, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/XXXX in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.