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

XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I have given more than 90 days for a response for validation and verification of any original contract with XXXX XXXX. By law Equifax nor this creditor has the right to list any bogus and erroneous account on my credit file without 100 % proper verification of having an original contract document. So I decided to file a complaint with FTC and also a lawsuit against your company at the XXXX XXXX County Civil Courthouse. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 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 listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name of the Fraudulent financial institution is " XXXX XXXX XXXX " This account was opened by somebody else without my knowledge on the XX/XX/2021. 
The Balance on this account is {$5100.00} I have made many attempts to resolve this fraudulent issue with the bank. However they disregard my claim since the fraudster used all of my personal information. I have filed a complaint numerous times with the federal trade commission. This is my last attempt before getting attorneys involved. Please help me remove this account from my credit bureaus.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023 I have been trying to get accurate payment status of my auto loan. I am NOT 30 days past due. This is not accurate. I have requested this debt validated and they keep saying it has been verified. Most recentlyXX/XX/XXXX I got an alert they updated to paid current, and then today I got another alert that the account is 30 days past due. This is NOT accurate at all. Its unfair.
Product: Mortgage

Since my mortgage was transferred to Gregory Funding, I've had nothing but problems. I wasn't able to access their website, they said they would be resetting my password but I kept getting errors their system did not recognize my information. Then I would receive letters from them that they were trying to contact me but when I called they would refuse to help me. My statements weren't reflecting the correct payments I made. Most recently, my health has worsened, I moved my granddaughter in with me who is a XXXX XXXX. To help take care of things. We completed a Loss Mitigation application then I received a letter from XXXX XXXX of Gregory Funding that everything was received. Once again they have gone radio silent and will not help me or return my calls. Yesterday I received a collection letter from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Stating that I owe {$150000.00} to XXXX XXXX XXXX XXXX, Mortgage Backed Securities, Series XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with loan number XXXX. Now I am able to log into my Gregory Funding account online and it says I am in FORECLOSURE. I am very stressed out about this and feel as though they are trying to take away my home.
Product: Money transfers

I put money on my google voice account in 2011 when I studied abroad. I added {$25.00} in 2011, of which {$19.00} is still available for my use. I am getting spam telling me that I have " loans due '' and " owe the IRS '' ( probably its own complaint -- I know the IRS sends letters ). To stop getting these annoying messages, I asked for a refund of my money from google so I could close the account. Google refuses to refund credit from over a year ago ( even though I could still USE it ). I 'm in the military and I 'd just like my {$19.00} back and for the annoying messages to stop. I 'd lose that money to get the messages to stop, and Google says it gets to keep it. I do n't think that 's right. Please let me know if you 'd like a transcript of the conversation with google.
Product: Checking or savings account

Complaint targetted to XXXX and M & T On XX/XX/XXXX, I initiated several XXXX transactions at M & T Bank ( Manufacturers and Traders Trust co ). After the XXXX transfer it locked my account under a fraud detection software. I called and waited on hold for XXXX hours and the representative resolved the issue and I completed the XXXX transaction. The next day I attempted to initiate another transfer and again it locked my account. I waited on hold for XXXX minutes and did not get through. That evening I called again and waited on hold for XXXX minutes and never got through. I called the regular customer service section and they said they could not help me they would need to transfer me to the fraud detection group and that I should be prepared to wait over an hour. I tried again XX/XX/XXXX and only waited XXXX minutes. I called a local branch to attempt to go in and handle the issue in person and they told me don't come, there is nothing they can do. The manager shared with me that he personally had to wait an hour and XXXX minutes for his own issue and that I should consider waking up really early on Saturday and trying to call then. 
I then called the XXXX XXXX XXXX XXXX  and they indicated that M & T " Bank '' is not really a bank and they had no jurisdiction and I would need to follow up with federal regulators. This feels deceptive to me. 
These payment are for my mother 's caregivers. She is a joint holder on the account and requires 24 / 7 coverage. When we don't pay timely they do not show up the next day.
Product: Debt collection

MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX XXXX XXXX. I recently received an alert from XXXX stating that I had a new collection account in the amount of {$1200.00} naming MIDLAND CREDIT MANAGEM as the reporting company. I do not owe a balance of {$1200.00} to XXXX XXXX nor have I received any phone calls or letters from MIDLAND CREDIT MANAGEM informing me of the debt or giving me an opportunity to dispute. When I call MIDLAND CREDIT MANAGEM they put me on hold and never confirmed the amount owed on the debt or provided proof of the debt. 
I disputed this with XXXX however I still have not received proof of the debt OR proof that MIDLAND CREDIT MANAGEM provided me the right to dispute as required by law I think it is only fair and equal to remove this collection completely off my credit report and XXXX correct my XXXX  score.
Product: Money transfer, virtual currency, or money service

Gemini 's EARN 's XXXX has been past for funds to be deposited and its been more than XXXX times the XXXX from the date of initiation. this is impacting my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my inquires asking it to be remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$590.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB Representatives : I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX XXXX  ( account number : XXXX ). 

Below are the specific issues I have identified : 1. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, Experian, and XXXX ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 
2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. 

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, Experian, and XXXX ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

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

Complaint Number : XXXX I have tried to dispute this issue with Transunion and have filed a complaint with CFPB on XXXX2020 with complaint number : XXXX. Transunion response to your request by stating that they will contact the companies involve to resolve my complaint within 30 days and will notify me in writing the results. As of today XXXX2020 I have not receive any response or written notice of the results. They are not following up with the response. Please reopen this complaint and help me resolve this issue. Thank You.
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I financed a car with car max and the loan was through American Credit Acceptance. The car was {$12000.00} and I put down {$2000.00} to lower my payment to {$370.00} a month. That would be XXXX plus loan fees at a 5 year plan.Amount financed was {$16.00}, XXXX. I have paid my payments for over 4 years and still owe over {$10000.00}. Im working on my credit and this loan is causing my credit to go down because during XXXX I got behind one month only by a couple days and quickly caught it up. They were supposed to take it off but its still own there. I have never been late again. I have already paid the {$16.00} owed. How will I ever pay this loan off? Its more now than when I got it. 4 years of payments and Im still owing so much money. This is very unethical and I had same experience with XXXX. They lend to us with poor credit knowing we can never pay these loans off hoping we will default. Please help me.
Product: Credit card

Capital One has placed a restriction on my account. Each time I call their customer service team, they prevent me from speaking to the right team by lying and refusing to transfer me. I just want this account closed. Capital One placed a restriction on my account and refuse to communicate with me.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

XXXX XXXX  Account Number XXXX Balance- {$3700.00} Opened- XXXX XXXX, 2023 ( XXXX mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX for continuing to pursue a debt that I have already been released from. On XX/XX/2019, I received a garnishment release letter from your company, which stated that I was released from any liability for the debt in question. 

Despite this letter, your company has continued to report inaccuracies on my credit report, contacted me regarding the debt, and has even threatened legal action if I do not pay it. This is unacceptable and goes against the terms of the garnishment release letter. 

I demand that XXXX XXXX XXXX immediately cease all attempts to collect this debt from me, as I have been released from any liability. Furthermore, I expect an apology for the stress and anxiety that your continued attempts to collect this debt have caused me. 

If I receive any further communication regarding this matter, or if there is any negative impact on my credit score as a result of your actions, I will take appropriate legal action against your company.
Product: Credit card or prepaid card

Comenity credit card closed my XXXX  balance Visa card because I duped not make payments on my student loans which are in deferment due to the pandemic. They refused to accept I am a government employee who has student loans that are NOT in bad standing and refused to provide me a reason why they took this erroneous action. Further a disputed account that was removed was utilized as well when I asked them why if it was disputed I did not receive an answer. I was disconnected several times and representatives were uncaring and calloused in how they responded. I was advised I had no recourse despite the error made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts I made to inform the bureaus of the fraudulent accounts, unauthorized inquiries, and incorrect personal information I have in my credit report, they still keep reporting them. This is an act of neglecting my request for the removal of the items below without supporting documents submitted or a form of response. Their behavior has been pulling my scores down which is now my reason for sending this complaint directly to CFPB. Here are the items that I am concerned of : Incorrect Names : XXXX, XXXX XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2011 XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus on XX/XX/21 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

I detected fraud on my company 's Chase XXXX XXXX XXXX on Friday, XXXX XXXX, XXXX. 

When I called to report this to them, they said that they would rush deliver a new credit card under my name to my apartment as soon as possible. 

However, when the credit card finally arrived on Monday, XXXX XXXX, XXXX, it was the wrong credit card. They issued a new credit card for my manager and sent that to my address instead.
This was completely unnecessary as I reported fraud on MY credit card, not HIS, yet they sent me a replacement card for HIM and MY new credit card was nowhere to be found. When I contacted Chase XXXX XXXX XXXX services, they were vastly unhelpful and unapologetic for an error that they created. 

Now, my business has lost 2 days without having my credit card on file and Chase has not owned up to their mistake. This is completely unprofessional and unacceptable. Due to their incompetence, we now have to wait approximately 2 more business days until I get my new card. 

Terrible customer service. The representatives I previously spoke with on Friday, XXXX XXXX, XXXX were unhelpful and obviously unfit to handle this situation. However, much worse were the representative AND supervisor ( XXXX ) that I spoke with on Monday, XXXX XXXX, XXXX. Absolutely horrendous.
Product: Student loan

I borrow through Navient and I 'm on income driven repayment. Every year they have failed to tell me when I need to renew and I am surprised by a bill that 's roughly XXXX my usual monthly payment.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX  filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

I have no idea why I have a XXXX debt. I can not find where to contact them to dispute the claim. Can you please help?
Product: Credit reporting, credit repair services, 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 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 don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize 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