23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please look into revoving this from my credit report. I have requested the required orignial contract with my name and signure to verifiy debt from this company and have not recieved anyhing back from this company. 
Please Validate [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, Fl XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Jefferson Capital LL ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, MD XXXX ] Re : Request for Removal of Debt from Credit Report Dear Jefferson Capital LL, I am writing to formally request that the collection account listed under the account number XXXX be removed from my credit report. I have reviewed the information on my credit file, and I believe that this debt has either been paid, settled, or should no longer be reported. Please find the details below regarding my request : Account Number : XXXX Original Creditor : XXXX Amount Owed : XXXX $ Date Reported to Credit Bureau ( XXXX ) : XX/XX/XXXX Current Status of Debt : - Date of Last Payment or Activity : XX/XX/XXXX last reported Dispute Process & Next Steps Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request the validation of this debt. If you do not provide sufficient proof or respond to this request within 30 days, I will consider the debt invalid and request its removal from my credit report. 

Please provide me with a written response within 30 days from the date of this letter. If the debt is validated, I request that it be updated to show that it is resolved and that any negative information be corrected or removed. 

Thank you for your time and prompt attention to this matter. I look forward to receiving your response. 

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

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX, XXXX XXXX XXXX : {$0.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is a second complaint about a yet unresolved issue. It is XX/XX/2023, and XXXX weeks ago Venmo froze my account because I erroneously suspected a transaction which I later ( XXXX hrs ) remembered making. They won't unfreeze my account. 

They want a card statement with the last XXXX digits of my bank card associated with the account, but since it's a debit card I only have a bank statement with my bank acct #, not my debit card. 

So they are simply going to keep my {$1100.00}! It has been almost a month. I can't buy my medicine or pay my rent. I've submitted my ID and my bank statements. They won't answer calls or email me back. 

The last time you contacted them, they merely called to request the same info I've been sending and then not responding anymore.
Product: Credit reporting

SEVERAL ADDRESSES SHOW ON MY REPORT BUT ONE OF THEM IS NOT MINE. I HAVE NEVER LIVED ON " XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' THIS ADDRESS NEEDS TO BE REMOVED. PLEASE INVERSTIGATE AND REMOVE ACCORDINGLY
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.
Product: Debt collection

On XXXX/XXXX/2015 I contacted a creditor in regards to a {$1.00} past due bill and was informed that do to the amount owed, the account was closed out ; however, the debt collection agency has failed to remove this {$1.00} debt from my credit report - showing a derogatory remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute about a fraudulent account on my credit report to Equifax and XXXX XX/XX/2021. The credit bureaus did not investigate my claim. Instead they sent a letter stating I did not send sufficient evidence, but I did in fact. I sent them a dispute letter notifying them that Im disputing this fraudulent account under FCRA 605B with attachments of my drivers license, social security card, identity theft report, and a copy of the FCRA 605B Disclosure.

Thereafter I sent a dispute to the creditor to investigate the account with supporting documentation and the creditor responded with a letter stating after their investigation they have found that the account is in fact fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I was informed that there was a change to my credit report from XXXX XXXX Omni Financial. Ive paid my bills on time and Im unsure why the late payment is reporting. Theyre unlawfully reporting an unauthorized late payment on my consumer report.
Product: Checking or savings account

Bank of America reported me to XXXX making it impossible for me to open up any account with any bank. The consumer ID : XXXX social security : XXXX. This was not right as to Fraud this whole situation was not my fault and it is affecting my life in a negative way. I wish for Bank of America to remove this item from chexsystems as there was no intentional fraud committed. Thank you in advance for your prompt attention to correcting this matter that has so negatively effected me.
Product: Mortgage

Escrow of West and agent XXXX are in breach of contract to administer escrow as detailed within a XXXX page document describing customary duties of escrow, titled " Instructions of Escrow '' as provided to buyer on XX/XX/2023. 

Multiple " good faith '' attempts were made by the buyer to Escrow of West for corrective action and to provide explanation as to why customary fees were being categorized as " extraordinary '' ( page XXXX, item XXXX ) and charged as additional escrow " junk fees '' commonly labeled as admin, archive, overnight, loan tie-in, environment, document, email, correspondence, record, etc. 

The principal escrow fee at {$3.00} per {$1000.00} is already XXXX % higher than market and sufficient to cover the customary activities of escrow as this is a simple cash purchase. A partial courtesy credit was provided but is not sufficient as this practice of overcharging the client with " junk fees '' needs to be penalized and eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/XXXX and noticed an account XXXX that was not reporting accurately. I have one missed payment in XX/XX/XXXX reporting 30-59 days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Completed XX/XX/2023 I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a payday loan in south dakota but realizing they can't charge more than 35 % and they charged 490 %
Product: Credit reporting or other personal consumer reports

I was informed that the account with Carter and Young would be deleted from all three credit bureau reports upon payment. Furthermore, the original creditor indicated that they would issue a refund once they confirmed that the request for the funds was incorrect. I was informed that it would be removed once paid ; however, it still appears on my report as closed with a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.
Product: Payday loan, title loan, or personal loan

I had Involuntary Unemployment insurance was approved 10 months XXXX ( my monthly payment ) claim form sent every month with GDOL  print out of claims and date paid as proof of unemployment emailed every month ( can prove it ). Onemain Financial owns the XXXX XXXX who policy was underwritten with. They paid claim once every 2-3 months causing more interest less principal and payments I had to make in between cause they were late were kept as interest ( XXXX ) no principal and it was their fault conveniently owning both company 's is a conflict of interest. I have all the paper work emails the statements. When confronted with their scam they refused to fix this and this was during covid 19 and reason for my job loss. They are charging me 35 % interest on this loan, the credit insurance and 1099 me for the late payments that went to their interest bearing loan only for all the money they paid on claim. So not only did they make money on insurance payments, the premium I paid for insurance, I had to also pay taxes on it. They have had 706 complaints most during covid 19 and continue with bad business practices and stealing money from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX and XXXX XXXX dollars, XXXX cents with XXXX XXXX XXXX in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to XXXX XXXX XXXX  on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, & XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, XXXX, & XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX, & XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, XXXX, & XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to download a copy several times to send the sites will not allow me to. I have disputed this on all three. I recently mailed a copy to all 3 credit reporting bureaus to update. My debt should reflect {$22000.00} minus the loans that are paid in full that should be reflected as 3-4 months ago this is defamatory and derogatory to my character.
Product: Debt collection

on or before XX/XX/2023 i sent a debt validation letter to the company asking about the debt they claim i had owed is {$640.00} to Midland credit Management which i inform them i didn't agree any contracts. and sent them a debt verification letter asking for contract and all info nothing was sent i have given them a year to send the info. 
under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, i May presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 my cash app account had an available balance of {$18.00}. On XX/XX/23 at XXXX XXXX  my niece XXXX XXXX XXXX {$200.00} from XXXX XXXXXXXX to my account XXXX XXXXXXXX bring my account balance to {$210.00}. I tried cashing out the funds but I could not do so. Called cash app customer service department and they said my account had been frozen due to suspicious activity after {$200.00} deposit took place. They give me no information on how they would resolve this issue or when it would be resolved. I have reached out to the customer service department regarding this issue numerous times and they just tell me that the matter has been escalated and then end the conversation abruptly. I believe that the money has been stolen from me by this company because they are not providing any details concerning this matter. Just string me along.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Against EQUIFAX and XXXX XXXX XXXX XXXX made false claims ( that they have since retracted ) about XXXX ( XXXX ) late payment dating back to XX/XX/2020. Although XXXX XXXX XXXX fixed the error on their side, and has notified Equifax and XXXX, Equifax and XXXX refuse to correct the false report and is publishing false information about me without my consent. 

It is my understanding that : According to : 15 U.S. Code 1681b - A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information about a consumer, unless the consumer consents to the furnishing of the report.

Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. 

XXXX. I have provided NO WRITTEN CONSENT to Equifax or XXXX or to XXXX XXXX XXXX to provide/publish/display/collect information about me, my credit or financials XXXX. XXXX and XXXX have been informed about the error and continues to provide false information 3. Equifax and XXXX have not performed a reasonable investigation into the matter, which if they had, would quickly determine the report was false, as was realized by XXXX XXXX XXXX. 

Need Equifax and XXXX to remedy this immediately : 1. Remove false late payment information
Product: Student loan

I am receiving 10 - 12 harassing messages a day about a student loan that I paid off XXXX  years ago. When I contact Sally Mae servicing they show my student loan has been paid in full, but are attempting to contact me regarding " someone else '' who they feel I may know or be in in contact with regarding their outstanding loan. First of all, I thought it was illegal to discuss others financial information with outside parties and second the non stop harassing messages ( I have them saved in my cell phone voice mails ) need to stop immediately. The last message I received was regarding my name and loan, so I immediately called into Sally Mae, was informed indeed my loans have been paid off, but they are continually trying to contact me for information on another persons account. They have also harassed other members of my family. The individual in question on the loans is my son 's girlfriend and under no circumstances should I be involved in her personal account information and receiving phone calls on her account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing and unresolved issue of fraudulent items on my credit report. Despite numerous attempts and providing extensive documentation to have these inaccuracies corrected, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. 
I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance XXXX {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from transunion dated XX/XX/2018. Upon Review of my report, I saw that Transunion is reporting an account listed as Florida XXXX XXXX XXXX, account # XXXX, with inaccurate, incorrect information. The account is being reported as open, when it is not, the account is closed, the date closed is incorrect, the date of last payment is incorrect and this account is being reported from XXXX as a collection account when this account was paid on time and never a collection account. I had the same problem with XXXX and they removed it out of my report on XX/XX/2018. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine is correct. I have the legal right under the FCRA to demand that all the information reported by this agency be verified as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore I demand a method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Product: Credit card or prepaid card

I had an interest free for 12 months promotion on my XXXX XXXX credit card. A payment arrangement was made so that I would make equal payments every month until XXXX of 2018 when my account would have {$100.00} left in it and an autopayment was prescheduled for that amount. Due to the interest free period and autopay nature of this agreement, there should not have been any fees added to this account balance. However, after all autopayments were made on time, in XXXX of 2018, they claimed a {$30.00} fee was added and unpaid and promptly added {$840.00} in interest penalties to an account that should have been at XXXX and closed. I have now been sent to collections with Portfolio Recovery Associates for this large interest charge that was incorrectly added by XXXX. I have disputed this matter with both companies and have been told that it is out of XXXX XXXX  hands and that portfolio recovery associates deny my dispute. This is fraudulent business practices and I will not be paying these interest charges. I would urge anyone considering being a customer of XXXX XXXX to go to any other local electronics dealer where you will find a better deal and less predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed the following issues. XXXX XXXX - Account number : XXXX This account has many errors/inaccuracies. High credit is not accurate - account is being reported inconsistently across all three bureaus. Date opened is not accurate - account is being reported inconsistently across all three bureaus. Date last active is not accurate - account is being reported inconsistently across all three bureaus. Payment status is not accurate - account is being reported inconsistently across all three bureaus. Payment history is not accurate - account is being reported inconsistently across all three bureaus. I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.