23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account Number - XXXX 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 or other personal consumer reports

I recently requested a copy of my credit report from transunion for the second time and I still have errors and inaccuracies as well as addresses I do not reside at and phone numbers that aren't mine at all on my credit report. I have reported these inaccuracies before and asked transunion for proof of verification and they failed to respond. Under federal law of 15 U.S.C 1681 all credit report must be accurate across the board and they are not accurate at all. I have enclosed the credit report and errors found on them I request that these items be verified properly or removed from my credit report and also request and update to my fico 8 score.
Product: Debt collection

Debt was charged off by the company 12 Continental Financial in XX/XX/XXXX. Without my knowledge debt was re-opened by XXXX XXXX XXXX  in XX/XX/XXXX. The credit card only had a limit of {$500.00} yet it was reported to the credit bureaus as {$820.00} beng owed. Furthermore, XXXX reported it a an overdue collections account in XX/XX/XXXX. Never once reporting it in XXXX or XXXX, yet reported it as 2 months overdue/late. How can you report a debt as late when ( a ) It is listed on my account as being charged off and ( b ) You don't have any agreement with me to pay said debt or payment plan in place ( c ) I don't have an account with XXXX XXXX XXXX that I opened. This action has caused my credit score to drop 33 point in one week! This action is not legal! I demand it be removed immediately!
Product: Prepaid card

I received an American Express gift card for XXXX dollars from my employer, but so far I have used it at 4 retailers and all were declined. 

I have called their customer service 3 times and each time they tell me that this is for security purposes and that most retailers accept them. However they can not provide a list of acceptable retailers and I just have to keep trying until one accepts the card. This is unacceptable as I'm unable to use the card at this time at any retailers I've tried, and they just keep telling me to try other vendors and can do nothing for me. 

I have used Amex Gift cards in the past at these retailers ( XXXX, XXXX, XXXX ) and it is only this year that things have changed.
Product: Student loan

Upon my next recertification, my understanding is that my income-based repayment plan will increase to an amount that I can not afford. When I originally established a repayment plan, it took multiple conversations and hours on the phone with Navient trying to understand my options and potential cost. It was a confusing process, and I was overwhelmed throughout. I also was unaware of the potential impact of accumulating interest and how that would impact my ability to both repay the loan and the long-term impact on my ability to own a home and provide for my family. I feel that Navient was deceptive and almost purposefully confusing during the process. Now staring down this increased payment, I find that the process is unfair, and I am feeling helpless.
Product: Credit card or prepaid card

XX/XX/2020 my Bank of America Edd card was frozen since EDD had to verify my identity. I completed all the documents and on XX/XX/2020 EDD confirmed my Identity and I was able to certify again and continued receiving benefits which they were sending me checks since my debit card remained frozen. I started calling Bank of America and they told me I just had to wait for EDD to send them an email and ask to unfreeze my account. Ive called hundreds of times and I get told the exact same thing, either that EDD hasnt send them a release form for my card and that I need to contact EDD or to keep waiting. Ive contacted EDD and they said everything is good on their end and theres nothing else they can do. Just a run around pretty much. They both blame each other and nothing has gotten resolved. My card had funds and I cant access them since my debit card is frozen. I had to pay taxes on money I dont even have!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian regarding a fraudulent XXXX collection account that has appeared on my credit report. The account in question is not mine, and I have attempted to dispute it directly with Experian, but I have not received a satisfactory response. 

I first became aware of the account when I received a notice from XXXX stating that I had an outstanding balance. This came as a complete surprise to me, as I have never had an account with XXXX or any other credit card company. I immediately contacted XXXX to explain the situation and to dispute the account. XXXX informed me that the account had been opened using my personal information, including my name, Social Security number, and address. 

I then contacted Experian to dispute the account, and provided them with documentation proving that the account was fraudulent. I have attempted to contact Experian multiple times to request that they investigate the matter further and remove the account from my report, but I have received no response. 

This fraudulent account is causing significant harm to my XXXX XXXX and my ability to access credit. I am now being denied credit and facing higher interest rates due to this false information on my credit report. I urge the CFPB to investigate this matter and to take appropriate action to ensure that Experian removes this fraudulent account from my credit report. 

Account details : XXXX XXXX  - XXXX - {$4200.00} - XX/XX/2022 Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was called a total of 4-5 times in XXXX hours. I was finally able to answer and when I did so the woman on the phone did not state that she was a debt collector nor did she read a mini miranda she informed me of the balance due without verifying any information. when I spoke to the woman she informed me that if I was unable to make a payment by the company she worked for would file suit against me. I also asked her to sent me proof that she had authority to collect on said account and the original agreement in which she told me she could and instead she sent me a letter from her company on company letter head stating what was owed on the account and the original creditors name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent  three written request to Transunion requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did not verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified. I am requesting deletion of all disputed accounts which they did  not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : Transunion- is showing the account is closed on XX/XX/XXXX. Also, it's showing a late payment in XXXX and XXXX of XXXX. The XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the XXXX report, you'll see all the payments there ( and if need be I'll send screenshots too ). // XXXX- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with Transunion XXXX XXXX. Even the balance histories vs. the calendar doesn't match up correctly. The balances between Transunion vs. XXXX alone doesn't match up. The XXXX balance is showing as {$240.00} and XXXX  days past due. // XXXX XXXX Now looking at XXXX XXXX XXXX shows good standing, which is different from the other two. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to XXXX, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other two reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " XXXX XXXX XXXX '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified XXXX, XXXX and Transunion that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. XXXX specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for XXXX to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected it.
Product: Credit reporting or other personal consumer reports

I disputed this item that showed up on my credit report many times. XXXX XXXX XXXX. It has not been removed yet. It brought my score down very low.
Product: Debt collection

On XX/XX/year> I received s credit report notification from XXXX that a collection was placed on my report from an unknown or unheard of collection agency ( Oliphant USA LLC ) partial account number : XXXX ( as appears on my credit report ). The collection agency appears as the original creditor and collector. 

I have never had any dealings with this company. Ive never heard of or from them. Never received any notice. No mail, phone, electronic communication to inform me of any alleged debt they are attempting to collect. They just appeared on my credit report. Had I been informed of any alleged debt I would have most definitely disputed this and asked for complete validation per my rights as a consumer. This is a violation of the law.
Product: Debt collection

Fiserv is trying to charge me a fee for a service we did not use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureau requesting an investigation into the false reporting of these accounts and have never received any communication from the bureau to show that my requests are being looked into. My most recent credit report shows the following accounts are UNKNOWN no creditor information is listed and these accounts are also showing not in dispute, when in fact they are in dispute. The accounts are as follows : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureau to fix these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report the following inaccurate item to my credit report. 

XXXX XXXX It should be deleted because it reports a bankruptcy not on my file ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted request as permitted under FCRA Sect 609 for the source of information used to report the following account : XXXX  partial acct # XXXX. 

Requested that Transunion, the CRA, to provide me with information within 30 days or permanently delete account from my file, as permitted under FCRA. Transunion did not properly investigate. They did not provide me with information that I am entitled to, thereby denying me my right under FCRA Sect 609. 

Transunion, sent updated credit report with the same information, without the information requested.
Product: Credit card

On XXXX XXXX, XXXX, while I was traveling with a friend in XXXX, XXXX, Bank of America informed me that a charge of {$2800.00} was made that day against my BofA Visa card from a merchant at a shopping mall in another part of XXXX. I denied I had any knowledge of the purchase nor did I have any explanation for it because the card had remained in my sole possession in XXXX. I asked for all details of the apparent fraud and was assured they would be sent to me. On my return to XXXX XXXX XXXX XXXX, XXXX, I began a series of contacts with the BofA fraud department. The card in question was canceled and a new card, also linked to my XXXX XXXX XXXX account, was sent by BofA. In early XX/XX/XXXX, the fraud department informed me they had concluded the purchase was made using a card with my identity details and that I authorized the {$2800.00}. They had no further information about the merchant in XXXX, the alleged purchase itself or why they were accusing me, in effect, of committing a fraud. Again I repeated my demand for any evidence to support their decision. On XXXX XXXX, XXXX XXXX XXXX informed me they intended to take the disputed amount of {$2800.00} from cash in my XXXX XXXX  account and they did so on XXXX XXXX, XXXX. I believe I am a victim of illegal seizure of funds by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-XXXX  - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

We need your help in getting clear title to a vehicle we purchased 6 years ago. Here is the story. We purchased our XXXX XXXX Jetta GLX Wagon XX/XX/XXXX in XXXX, XXXX. Our financing options were limited, leaving us to enter into a high interest car loan ( 29.90 % ) with Westlake Financial of XXXX, XXXX. We were able to pay off the car within months of the date of purchase, but we never received the title and are in need of disposing of the car as it is not worth repairing. 

Because of the amount of time that has passed and the fact that we have physically relocated 3 times since the purchase of that vehicle, I can not locate the file that contained the original loan and purchase documents. That is why I thought I would simply go to DMV and file for a " lost title '', but they pointed out that Westlake Financial was still listed as lien -holder and that they would have to file for a lost title if that were the case. Here is the breakdown of the financial activity around this purchase : PURCHASE DATE XX/XX/XXXX ; AMOUNT {$8800.00} ; 1st DOWN PAYMENT {$2000.00} ; FINANCED - Short Term 36 mos. @ 29.90 % {$7700.00} = $ XXXX/month ; XXXX. PAYMENTS MADE : 4 @ {$330.00} = {$1300.00} FINAL LUMP SUM PAYOFF XX/XX/XXXX ; AMOUNT {$4400.00} Our purchase was financed through Westlake Financial in California at an interest rate of 29.90 %. We initially put {$2000.00} down and financed it at that outrageously high interest rate for a 36-month term with the understanding that we would return in the very near future with a 2nd final payment to avoid excessive interest payments any longer than necessary. 

After attempting to make contact, they were excessively rude and immediately accused us of never satisfying the loan. When I asked if that were, indeed the case, why then had no one from their company reached out to us in all these years so that I would have had the necessary documents to prove that we did in fact satisfy our debt to them. Their tone became increasingly hostile when asked about my spouse who I informed them that my legal spouse is a woman ( as am I ), sending the person on the phone into a whipped up frenzy spouting accusatory rhetoric. Some of it was difficult to understand due to a very heavy XXXX speaking accent so I chose to terminate the phone call and research what my options are at this point as I must dispose of this vehicle. 

So this is where we find ourselves with a financing company who claims they never received the pay-off and the fact that they are a frightening predatory lender who was forced to pay fines and forgive auto loans due to illegal collection methods, ( according to an article in the XXXX XXXX that lead me to reach out to you ) I am frankly afraid to reach out to them again. 

It has taken us several years to repair our credit after losing our employment in XX/XX/XXXX which led to the damaged credit that gave us no option but to enter into a car loan with Westlake Financial at 29.90 % interest back XX/XX/XXXX. Now we are seriously concerned about them taking a fraudulent adverse action against us that could cause us financial damage in the process of making us pay for this loan twice.
Product: Debt collection

XXXX credit card is showing on my credit report and ABR Recovery Services, LLC is trying to collect on a debt on XXXX behalf that I am in disagreance in with. It is reporting {$1100.00} - I do not have any knowledge of this account this account was reported to my XXXX credit bureau it is drastically and negatively affecting my credit. I am currently in the process to buy a new home and this company and or XXXX is delaying the process due to this collection account. I have reached out to this XXXX XXXX XXXX twice and they are not able to provide me with current or correct dates. Also, I am filing a formal complaint with the XXXX in regards to this debt collection. Collection agent/agency stated they spoken with me I have never called in at all to speak with anyone at this collection agency. I am exercising my FCRA rights with this debt.
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to TD BANK TARGET asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that TD BANK TARGET to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Credit reporting

I am filing a complaint against Transunion because they failed to provide me with the documentation they have on file to verify the inaccurate accounts I have disputed. Being that the 30 day period for them to verify and validate the accounts have expired it should be deleted by default. Under the FCRA Section 611 ( 5 ) ( A ) - anything that ca n't be verified should promptly be deleted.
Product: Mortgage

Our loan was with XXXX, which was a horrible experience. we never been late and we 've always paid our property taxes. So we asked that no escrow account be set up. they proceeded to stick a XXXX. + charge on us and no one can explain the charges so we continued to pay ONLY our mortgage. NOW, XXXX companies later, and so many calls later, we are still trying to get this charge removed. We 're not able to get anyone at Nation star to help. I have copies of our taxes being paid the year they 're claiming. please help.
Product: Debt collection

Asset Acceptance has failed to provide me a copy of statements after mutable attempts, Asset Acceptance have not given me a copy of records of all payment that I have made with them.