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

Re : US BKPT CT IL XXXXXXXX XXXX To Whom It May Concern : This letter is regarding US BKPT CT IL XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the Method of Verification. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis or any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit card

I have a account for a hold on some bolts sent to my credit card, for a refund with XXXX XXXX XXXX using my card for a refund. when the pending charge is showing the account of the merchant received the tools back when asked for my refund was not showing the credit applied back to my account from previous billing statement.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Experian. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX XXXX XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On my credit report there are several companies on my report that I don't know who they are, and I tried to call them and there was nothing done about it, so I wrote to the names of the financial institution that's on my account, that say they are open in my credit files. Experian XXXX, XXXX, there are deferent. Names 1. XXXX XXXX  has 13 accounts.2. XXXX XXXX has 13 accounts.as well.3. Dept of EducationXXXX has 13 accounts. All of these accounts have deferent account numbers and the same amount on them. now back in XX/XX/2022 I was granted Student financial Aid forgiveness now all these companies are on my report. They all have the same amounts of payment on there but deferent account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 card or prepaid card

I sent a letter on XX/XX/22 to Capital One regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the the company to resolve this issue but I have not heard anything back and it's still reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times regarding this account being reported incorrectly and they have yet to resolve it. I finally contacted the company to receive a letter showing that it is reported incorrectly and have mailed it Equifax, three times. In the meantime they have done nothing with it. They are confusing this account with an open account that I am an authorized user on, they need to pay attention and read the letter and they will see the correct account! This is ridiculous
Product: Mortgage

Due to severe financial difficulties, I was in a loan modification process with Green Tree for 9 months ( XX/XX/XXXX - XX/XX/XXXX ) after completing numerous " Uniform Borrower Assistance Forms '' and was continuously rejected. The reason was always that documents were missing, which was not true and I have the documents to prove it. I should have qualified for a loan modification based on my income and financial circumstances. On XXXX XXXX, XXXX, after I received another rejection from Green Tree for a loan modification, I called Green Tree for a reinstatement amount since I was worried about loosing my home. I forwarded a cashier 's check in the amount quoted by Green Tree over the phone on XXXX XXXX, XXXX ( only 19 days after receiving the written rejection for a loan modification ) and have since then paid my " Regular Monthly Payment '' in accordance with Green Tree 's monthly billing statement. Despite these facts, Green Tree filed for foreclosure proceedings on XXXX XXXX, XXXX ( please note that the date is after the reinstatement amount was paid in full ) and added all kind of legal fees to my account without any kind of written statement, letter nor invoice. The mortgage document requires all notices to be in writing, which Green Tree did not do. I have even been accepted by XXXX XXXX XXXX XXXX on a pro bono basis since these actions by Green Tree are not legal, however, they are refusing to remove the charges from my account and are now threatening foreclosure again. I have an entire folder of correspondences between Green Tree and myself over this entire period and we seem to be going in circles at this time. It is very frustrating since Green Tree is a debt collector and not a mortgage company and it seems impossible to deal with them in a professional manner.
Product: Debt collection

The rental company I went through to rent a home in XXXX Tried to overcharge when I requested to break a lease early due to hurricane florence. When I could not pay them at the time they sent the bill to collections. 
The collection agency is Online Information Services. They are located in XXXX, NC. 
The real estate company is XXXX XXXX XXXX in XXXX, NC. 
I attempted to contact the collection agency by phone on XX/XX/XXXX in an attempt to pay off the debt in an effort to have it removed from my credit report. The agent on the phone informed me that they were unable to remove it from my credit and that I would have to wait the full 7 years before I'd see it removed. 
I then contacted XXXX XXXX XXXX via phone. They informed me that they could remove it from my report after I made the full payment. 
I wrote them an email asking that they update my address information and that once paid off the debt would be removed. 
The real estate office responded vaguely informing me they would let me know when they received the payment. I proceeded to once again request a confirmation letter that once paid the debt would be removed, to which I have not got a reply. 
I would like this account to be removed and I feel I have the right to have written confirmation that this will be removed before making any payments. I also feel as though I have been taken advantage of. Multiple charges were made. I was fully moved out XX/XX/XXXX and the house was cleaned up yet they charge me for 16 days as well as for a screen door that was still at the property but had came off during the storm. The main issue I am having here is that I want to have this account removed from my credit and the companies are evading providing a confirmation of this.
Product: Mortgage

In XXXX of 2016, my home was flooded in the Louisiana Flood. I have flood insurance. A claim was made to the flood insurance company and a claim was paid. The claim check was made payable to myself and my mortgage company. I contacted my mortgage company to inform them of the damage and of the insurance payment. I also worked with the mortgage company because I intended to self perform the repair work on the house. The mortgage company requested a letter of qualification that i was capable of performing the work and also requested that they be allowed to perform inspections. A letter of qualification was sent, I was approved to self perform, I completed the work on the house utilizing my personal savings account funds. Mortgage company was contacted and an inspection was performed that stated the house was complete. I also turned in receipts for materials spent. To date, the mortgage company will not release my insurance payment to me. It is sitting in an escrow account. Every time i contact them, they give me a different story. I have done everything requested of them and spent my savings to repair my house and they will not release my money. Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found items on my report that are inaccurate and negative
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : | have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. The entry with Reference XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. Apparently, not on was the case never discharged.
Product: Credit card or prepaid card

I called Citibank on XX/XX/XXXX due to a problem that I noticed with my statement. I have been paying the balance in full for the past few months, as indicated on the statement, yet they have been accruing interest monthly since XXXX. When I spoke to them on the phone, they did not have a good explanation as to why interest was being charged. It is my impression that when paying a balance on a card, that takes care of any and all fees that are due upon the due date ; however, Citibank said that there is a back log of how the interest is calculated. With that type of math, they will perpetually charge interest. I asked them if there was an amount that I could pay so that the interest charges would go away, and he said he didn't know. This is NOT a way to do business and is fraud. Citibank has been sued twice in XXXX for the way that they calculate interest and lost in both cases - this is deceptive trade and it seems that the only way to make the interest rates go away is to close the account.
Product: Credit card or prepaid card

Capital One credit cards XX/XX/2020 charged 18.9 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 charged 22.99 % interest, XX/XX/2020 XXXX interest Company refuses after repeated phone calls to request a lower rate, to in fact lower rates. to accommodate better interest rates, even though the market conditions have improved and better rates are readily available nationwide. Please investigate Capital One for financial abusing clients with EXTREMELY HIGH interest rates during the pandemic. Escalated customer service agent who maintained this obscenely high interest rate is : XXXX from Virginia XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Money transfers

Someone hacked my Western Union money transfer account on XXXX XXXX 2017. Attempted to do XXXX transactions. 
1 ) The amount {$540.00} and I received notification in email that amount is picked up. 
2 ) After 10 minutes of XXXX transaction there was XXXX transaction for amount {$640.00} was made, however this was rejected by system. 
In both cases country of receiver is XXXX and appears to be done by same person.
Product: Credit reporting 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 XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and remove them immediately in my report : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Debt collection

account # XXXX I have never been contacted by this company and they are reporting to credit bureaus I received notification from a credit monitoring service that this firm is posting a collection to my credit report in the amount of {$330.00}. I have never been contacted by them prior to this nor have any documentation from them supporting there claim, I had contact Florida XXXX and I don't owe any money to them
Product: Student loan

Over the course of 21 years being a single mother, working full time in a XXXX XXXX XXXX in a XXXX XXXX XXXX XXXX my loans have doubled if not tripled I can not get help when I ask about the loans, or was I never told of programs to help me get anything erased, I am still in debt 21 years later and see nothing taken off the amounts just added on, they did enroll me in a repayment plan that is low but where was the help during the 21 years of having these loans.

Poor customer service, rudeness, surprise fees, bad information, call after call about my loans causing me to end up crying over the phone to them. Switching who has my loans repeatedly. Finally I just resolved the issue and stress by letting them ruin my credit for life and tack on so many fees I can not even tell where I am at or who has my loans anymore.
Product: Credit reporting or other personal consumer reports

after trying to attempt to correct personal credit information and remove all non-medical information from my report from XX/XX/XXXX it has come to my attention that my information may have been involved in a data breach on or around XXXX, also after close research, I have discovered my private trust information is being sold by Experian, traded and exchanged in financial jurisdictions outside of the US without my express written or verbal permission. There has been a lack of transparency, disclosure, and misrepresentation as to where my private trust information is going. As the surety it is unthinkable that others have enjoyed unjust enrichment as a result of my information being traded, sold, and exchanged as it is more profitable for Experian customers to have lower scores so that they can " pitch '' various products. Also, on or around XX/XX/XXXX, XXXXI applied for the digital wallet/check checking account and I was refused access. This is outrageous, given the fact that it is my private information and credits coming from my private estate have now given that product they offer plus others, its value to be traded in financial markets.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, I filed a dispute with XXXX and XXXX stating that XXXX XXXX XXXX and Receivable Management Services, LLC are attempting to collect a debt in the state of North Carolina without a N.C. DEBT COLLECTORS LICENSE and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the XXXX XXXX XXXX and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX for XXXX XXXX XXXX ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - XXXX. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX 2017 to voice concerns to Wells Fargo Dealer Services that I was unable to set up my monthly payment online due to a system error on their website. I also told them that had recently been XXXX for military service. They told me that they understood the situation and I made my payment immediately over the phone. Two weeks later that marked my account 30 days delinquent. This is unfair due the fact that I was unable to make my payment online.
Product: Checking or savings account

I closed a checking account on suntrust bank. due to an auto pay the bank open my account once again and the auto pay was trying to withdraw. so since I didn't have any money. the bank was charging me {$35.00}. each time that they were trying to withdraw. so I went to the bank to see was happening they told me that they open the account again for the same reason. so they charged me a total of {$550.00}. I didn't wan na pay them and they sent me to collection.