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

This Is my XXXX written request for XXXX of XXXX. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPT OF ED/XXXX Account Number : XXXX Delete this account. 
2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  TX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Collector, This letter is in response to the Consumer Financial Protection Bureau inquiry received on XX/XX/2022. 

I must remind you that I have sent a Debt Validation letter and your Company received the certified mail on XX/XX/2022. YOUR RESPONSE ON XX/XX/2022, you have stated that YOU WILL NOT INVESTIGATE DISPUTES THAT ARE IRRELEVANT, FRIVOLOUS, OR DISPUTES THAT HAVE PREVIOUSLY BEEN INVESTIGATED ( who verified these account )? UNLESS IF YOU ARE PROVIDED WITH ADDITIONAL RELEVANT DOCUMATION. 

Your Company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report. These are clear violation of both FDCPA THE FCRA. 

This is a violation 15USC 1692G ( b ) upon receipt of a borrows dispute letter the debt collector shall cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt and a copy of such verification is mailed to the consumer by the debt collector. 

Failed to notify the credit bureaus to mark the account as disputed. 

I gave the legal time of 30 days to complete this, you failed to investigate this account properly. 

Please DELETE THE ACCOUNT TO ALL 3 MAJOR/SUB BUREAUS. 

SEND ME A COPY OF DELETION, CEASE ALL COMMUNICATION VIA MAIL OR THROUGH THE CFBP MESSAGE. SHOULD YOU NOT DELETE THIS ACCOUNT, I WILL BE FORCED ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS UNDER THE FCRA. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I am cleaning up my credit and had a debt with pro collect incorporated. So i called the company to pay my balance owed in full. After getting nothing but rudely ran around on I finally was told that my file is closed and only one person Mr XXXX, can deal with me. After emailing him I received a call from him and couldnt believe this was real. He was so aggressive, hostile and rude. I felt like I was arguing with my sister. Yelling over me completely. Hung up on me after screaming at me. For asking basic questions about credit repair. So I still had not paid the only debt I have to pay. I called back and again had the same issue. Thankfully the calls are recorded. So after more arguing he finally hangs up. Said he was the boss I cant complain because he is in charge. And literally I went straight to XXXX to see who I could complain to. Found over 300 reviews saying the exact same thing. All of their tactics are illegal. Overly aggressive. Its not illegal to ask for pay to delete. Thats the point of paying. So two days later and still trying to figure out how to pay this debt. Ive been hung up on by everyone at that XXXX  business. They will not accept card payment. Only through XXXX  or XXXX  XXXX. Gave me wrong account number and wasted my trip to XXXX  as a single mother with a baby. Avoid pro collect incorporated and their trashy employees.
Product: Payday loan, title loan, or personal loan

I tried to get a loan. When their instant verification system failed, I tried to chat with them to fix the issue. I was kicked off chat 5x. I finally called in and was told that I needed to email in 3 months of bank statements. I did, checking my sent emails to make sure all 3 were attached. I called in again and was told that I only sent in 1, that I needed to send in all 3 again. I did and was told they still only got one. I told them that I checked my sent emails AGAIN, and all 3 were sent. I told them to forget it, that if it was that hard to get a loan from them, I didnt want it. I asked for my information to be deleted and to be unsubscribed from everything. The guy said sure. I KEPT getting emails and calls. I then got an email that my loan had adverse action and they wouldnt give me a loan- after I ASKED it be deleted. Then I went online and unsubscribed AGAIN. I thought it was over, but just this morning, I got ANOTHER email saying that if I didnt take action, my application would be deleted on XX/XX/15. This after Id spoken to a rep asking for everything to be deleted AND unsubscribing online.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX a ads online stating that they are a model agency, looking for modeler. I contacted them and they told me to take my daughter for a photo shoot. After the photo shoot they took us to a private room and sold us a dream, about getting my XXXX XXXX daughter in the modeling industry, to model for brand such as XXXX, XXXX XXXX etc. We got excited and took their {$4000.00} dollar package. At the time i paid XXXX upfront and signed a receipt, and paid the rest within the course of XXXX months. The sale representive XXXX XXXX told me that they would mail out all physical goods along with a port folio, z card and contract with all the necessary stuff a newly modeler requires. After i finished paid i contacted XXXX for my shipping tracking information they told me that all the goods will be send digital because of covid they have changed their policy. I told the representative that i paid for physical goods and that I'm awaiting for my goods in the mail. I gave them up to XXXX week nothing came in the mail. I called them and requested a refund they refused and disconnected the phone calls, i called numerous of times no one pick up the phone. I contacted my bank XXXX XXXXXXXX and explained to them what happened and they reversed the transaction and labeled it as fraud. This company is a scam with a lot of bad reviews, i reported this company to the FTC. I never signed a contract with this company. I signed a receipt when i made the payment, and they took my signature and pasted it on a contract. If a consumer signed their signature, it won't reflect in the same form. Every time a person writes, it will look different. If you look on their contract that they have sent to the credit bureau XXXX XXXX is the same on every page. Its not accurate they copy amd paste my signature on all their forms, it XXXX to paste someone signature on a contract without their consent. I never received any calls from XXXX XXXX services to verify my information. I did not gave XXXX XXXX  / monterey collection my social security number. I want to know how did they access my social security without my consent. At the time of payment i used my debit card ending in XXXX. I reached out to experian credit bureau numerous of time to disputed XXXX XXXX off my credit report and they did nothing about the matter. XXXX deleted XXXX off my credit report. Experian are the only bureau allowing XXXX to ruined my credit. XXXX XXXX XXXX has a high rate of scam complaints @ XXXX XXXX XXXX, every review on XXXX is stating that the company is a scam, they need to get shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2014, I was unemployed and collecting unemployment from XXXX. My federal loans were never registered as in deferment, despite me initiating paperwork to get them deferred. i entered default and have been fighting to get the lates removed for years. Since my loans were in deferment, there should be no late payments on my accounts. This is completely unreasonable.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Product: Credit reporting

I called about inquiries on my credit report from Transunion XXXX 2016 and before, and they are not wanting to remove those inquiries off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dismissed bankruptcy on my credit report that has inaccurate information. I have requested that the credit bureau investigate this and provide an update. They reply that they have investigated, and that information is accurate which it is not. I sent a request to the bankruptcy court asking how the credit agencies investigate disputes with the court. The court provided me a letter stating that they do not confirm or provide information to the credit reporting companies. How are the credit agencies verifying information if the source of the information is not providing updates to them. I have attached a letter from the bankruptcy court stating their position on credit agency investigations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company and remove any previous addresses. 

Please update my personal information and address to : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 

ASKED SEVERAL TIMES FOR ALL OTHER ADDRESS TO BE REMOVED LISTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was working with the Flagstar to get a modification on my current mortgage loan and on XXXX the XXXX or so I received a packet from Flagstar with a modification packet. The packet was dated to be signed and returned and notarized by the XXXX of XX/XX/2023 if I wanted to accept the plan that was given to me. My wife and I signed the required documents in the places that Flagstar had stated they needed to be signed. The documents were then notarized and sent back to the within the requested time and in the envelope the provided. At the beginning of XX/XX/2023 maybe a week or so after returning the documents I then got another packet in the mail advising that my modification has been fully executed and attached was a copy of my modification for my records. However when I called to make my payment on the XXXX of the month of XXXX I was unable to do so. I was advised that my loss mitigation case was closed on the XXXX of XXXX and that I couldn't make a payment. I asked why and they stated that the date on documents on page 5 didn't have the same date. I advised that I hadn't received anything regarding that there was any errors and that I had gotten my letter stating that my modification was approved and that the document was signed and dated and stamped by their office. I advised them that I it was and error that I nor the notary saw at the time and neither did they and asked if I could get new documents or even send in the copy that they sent. I have been waiting for a call back from them and have not gotten XXXX. I need my home and I am ready able and willing to make my payment as I told them. I even asked I could just make the payment since they approved it and they wouldn't allow it. And now there is a sale date on my home and I did everything I was supposed and it was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX  XXXX XXXX Balance : {$1400.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet for five consecutive months you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Regards.
Product: Debt collection

XXXX I WAS BILLED BY XXXX FOR THOUSANDS OF DOLLARS OF MEDICAL SERVICE. I PAID XXXX BY CONSENTING TO REMOVING A MONTHLY AMOUNT OUT OF MY CHECKING ACCOUNT. I CALLED XXXX IN BILLING AT XXXX AND I AM MADE SURE MY ACCOUNT WAS PAID IN FULL ON THE LAST PAYMENT YESTERDAY I GOT A COLLECTION AGENCY STATING I OWED {$59.00}.
Product: Vehicle loan or lease

Over the last 8 months, I have been reaching out to J D Byrider, trying to get the loan for my car situated. I have a {$18000.00} loan for a XXXX XXXX XXXX that is used. My first issue came when I had a loan with them and the car was totaled and they told me if I purchased a car from them the first loan would be forgiven. That is not the case, I looks like I am paying for one car but I am paying for the car that was totaled and the car I have currently. When I spoke to the insurance company they stated that they released all the funds to J D Byrider per my request. I never spoke to the insurance company aside from reporting the accident. The finance representative from J D Byrider stated that they would speak to the insurance company so that I am not bet out any money. I went back several months later and purchased the XXXX XXXX, everything was fine until I missed a few payments and noticed that the information on the loan was different then discussed. At the point I was threatened with repossession and having a bad credit score because I was not paying. The car was repoed 3 times and I was charged {$370.00} each time and was told that it would be added to the end of my loan. I moved to NC and prior to doing so asked that the car be picked up. I was told that the car would be auctioned off and I would be responsible for the remainder of the balance and that a garnishment had been issued for past due payments. In about XXXX the calls and threats had stopped, I assumed it was because I started sending in payments but just learned that the company is no longer open and I have no idea where my payments have went to and on top of that I have a car with no title that does not run sitting on my credit showing I still owe over {$16000.00} for. I can not get another car because of this and wasted over {$15000.00} making payments to a company that is closed. I have reached out to the local branch here and they stated that they are not affiliated with the branch, I called the customer service number and it no longer works. I am confused on how to move forward, I need to get this problem taken care of
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : How are you? I hope well. My name is XXXX XXXX and there is incorrect and fraudulent information reporting on my credit profile. It needs to be removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX  Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX/XXXX  XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section XXXX09 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Please remove all fraud alerts immediately please and thank you. 

Please remove all outdated addresses. 

My CURRENT and Only address is XXXX XXXX XXXX XXXX XXXX, OHIO XXXX. 

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

On XX/XX/XXXX I went onto XXXX  XXXX online to check my score through there XXXX XXXX there were Credit inquiries on my report that I don't recognize because I never authorized any of them or signed anything giving anyone any right to run my credit on the following hard pulls I am being accused of. 

XX/XX/XXXX XXXX through experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all on Experian
Product: Credit card or prepaid card

In XX/XX/XXXX, I tried to dispute a charge on my XXXX XXXX  from a company called XXXX. The charges totaled over {$20000.00} around the time of XX/XX/XXXX.

I think misunderstood my dispute because I got a letter denying my dispute claim for the reasons not being within the 60 days after suspected errors on my statement, However the problem here is not about an error, but instead the reason for my dispute is : I did not receive the product and services as was described to me. I find that not only did they misrepresent and not provide the services, they knowingly mislead me and coerced me in to giving them an outrageous amount of money to purchase the Platinum Ecommerce Website and Stage 3 Marketing Package because I was led to believe I would be getting a website with marketing that was superior to my current online business, yet it was completely under their control. I paid the hefty {$20000.00} for a XXXX site thats is worthless and horrible backend functionality. in the end it has cost me time and money ( due to lack of efficiency ) they have kept my money for a product they never delivered.

PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO OTHERS BEING DECEIVED!
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a complaint regarding several unauthorized hard inquiries listed on my credit report with Experian. These inquiries were made without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires explicit authorization or a legally valid purpose for accessing a consumer 's credit report. The unauthorized access negatively impacts my credit score and creditworthiness, as hard inquiries can remain on a report for up to two years. 

Below is a list of the inquiries that were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted Experian via a formal dispute letter ( dated XX/XX/XXXX ) requesting the removal of these inquiries. However, the inquiries remain on my report. These inquiries were neither authorized nor associated with any legitimate application for credit initiated by me. Their continued presence constitutes a violation of the FCRA, and I am requesting the CFPBs assistance in ensuring they are removed promptly. 

Actions Taken So Far : Sent a dispute letter to Experian on XX/XX/XXXX, requesting the removal of unauthorized inquiries. 
Provided detailed information about each inquiry, including the date, organization, and contact details, but the issue remains unresolved.
Product: Debt collection

On XX/XX/2018 a payment was made to XXXX in the amount of XXXX. They received the payment from my XXXX XXXX account and now claim to have never received it. Leaving the debit on my credit report.