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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> T o ; XXXX subject ; Request for removal of unverifiable account Dear credit reporting Department , I am writing to formally request the removal of an account from my credit report as reported by XXXX. this request is based on the recent deletion of an account by XXXX, one of the four major reporting agencies. I recently disputed a charge -off for {$850.00} from XXXXXXXX XXXX XXXX 
{$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX, Listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of 12 18 2024 According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), All consumer reporting agencies must ensure that information in Consumer Reports is accurate, fair, and verifiable.

Since innovis has removed this account after it's verification process, I request that you do the same and remove the unverifiable account from my credit report.

Supporting consumer Laws : FCRA section 611 ( 15 U.S.C 1681i ) Requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA section 623 ( 15 U.S.C 1681s-2 ), Information suppliers must report all complete and accurate information. with XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of the receipt of this request. if the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) And seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), Including section 616 ( 15 U.S.C 1681n ), Which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) For negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. please notify me in writing once this deletion has been processed. thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019 I moved out of an apartment complex having given 60 days notice and all rent and bills paid in full. On XX/XX/19 I received an email from XXXX XXXX with a move out statement attached claiming that we owed them {$1100.00}. I replied to the email stating that I did not agree with the charges for the following reasons : 1. A move out walkthrough was not done by a member of management or the office staff ( they had sent the maintenance guy over who verbally said everything looks fine, he did not have any paperwork to sign and gave no indication that there would be any issues. ) 2. No evidence of any work being needed or having been carried out such as photos, receipts etc. 
I received no reply. I then received a second email on XX/XX/19 stating that I had to pay the above amount. Both of these emails came from the apartment complex and even though I replied I did not receive any further communication from them. 
On XX/XX/19 I received a letter dated XX/XX/19 from a company called I.Q Data International claiming to be a debt collection agency and wanted payment of {$1100.00} On XX/XX/19 I  sent a dispute letter via certified mail to this company asking them to verify the debt, provide proof that I owed the debt and in the meantime to not contact me. On XX/XX/19 I  received a second letter from the company dated XX/XX/19, again, asking for payment of {$1100.00}. 
On XX/XX/19 I received confirmation that my dispute letter had been delivered to the PO BOX stated on their letter and then on XX/XX/19 that my dispute letter had been delivered  to their office. 
On XX/XX/19 I received a third letter from the company, again, asking for the amount {$1100.00} to be paid ( this now includes interest ). They had received my dispute letter 14 days earlier yet made no attempt to show proof of the debt and instead demanded more money from me.
Product: Prepaid card

I stayed at a hotel on the XXXX of XXXX. There was a {$50.00} deposit placed on my card. I messaged cash app they blamed the hotel. The hotel provided my receipt and refunded receipt of the deposit. I have sent everything in but they say they can't help me with this issue. I filled a complaint with XXXX two weeks of same thing. Today being XX/XX/XXXX the deposit is still on hold.
Product: Student loan

When I last spoke to a representative from Navient, I was told that the previous program I was on, where {$150.00} was automatically deducted from my bank account, was no longer around and that lower interest rates were no longer in place. As a result, the monthly payment is much higher than what I can afford. I work two XXXX  jobs and my third job is at a XXXX, so my wages aren't all that high and can be somewhat variable. Nothing I say to them seems to get through that the payments needed are too high and it's incredibly frustrating. They have since tanked my credit that I've worked really hard to bring up. 
I don't really know what else I can do.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX XXXX Balance : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Credit reporting or other personal consumer reports

CFPB Complaint - XXXX/Experian Subject : Incorrect Reporting of Charged-Off Account by XXXX XXXX. After Sale XXXX XXXX XXXX  Details of the Complaint : I am filing this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) due to inaccurate reporting on my credit report by both XXXX and Experian. 

The issue is with an account from XXXX XXXX ( Account # XXXX ), which is still being reported as charged off despite the fact that the account was sold to XXXX XXXX XXXX. According to my credit reports, the account status indicates that it was sold to another lender, and the balance is reported as {$0.00}. However, XXXX XXXX is still reporting the account as a charge-off, which is inaccurate and misleading. 

Key Points : XXXX. XXXX XXXX no longer owns this debt as it was sold to XXXX XXXX XXXX. Therefore, they have no legal right to report a charge-off after selling the account. 
XXXX. Both XXXX and Experian are allowing duplicate reporting of the same account. XXXX should not be reporting a charge-off after selling the account, and this creates inaccurate and misleading information on my credit reports. 
XXXX. This reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding accuracy and completeness of information. 

I request that both XXXX and Experian : Immediately remove the XXXX XXXX account from my credit report. 
Ensure that the correct party ( XXXX XXXX XXXX ) reports the account status accurately. 

I have attached copies of my credit reports from both XXXX and Experian as supporting evidence, showing that XXXX XXXX is still reporting the account after it was sold. 

This inaccuracy is negatively impacting my credit profile and needs to be corrected immediately to comply with federal regulations. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email saying I would be awarded a free gift or taking a survey. I completed the survey, picked a watch as my free gift ( the other free gifts were facial products for women ), and was instructed I had to pay shipping charges of {$6.00}, which I did with my credit card. 
In XXXX I received my credit card invoice with a charge for the shipping and another charge for a watch. The merchant had my credit card information for the shipping charge and two weeks later charged me for the " free '' gift watch.I called the credit card company on XX/XX/XXXX to dispute the charge for the watch, and as instructed, paid the rest of the invoice, including the shipping charge. 
The credit card company says that after checking my dispute they agree with the merchant and that I owe this charge even though in a telephone conversation with their Dispute Department, they admitted this was a scam by the merchant. 
I feel credit cad companies have a responsibility to protect their cardholders from practices like these by predatory companies.
Product: Credit reporting or other personal consumer reports

one company shows XXXX, the other two XXXX loans. with missing information. tanked my score over XXXX points in XXXX. companies deny that they reported the information just like they refuse that they were double listing the same loans- I have provided the pay off and statments for the loans -these are same loans that were payed off three times - I could not verify my name on one set because they had my name wrong-
Product: Debt collection

The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed out a very detailed dispute including my driver 's license ( that has my current address ) & also my social security card. I've also included the receipt from the Post Office that also has the tracking number for the mail. I received correspondence from Equifax dated XXXX XXXX saying the information I provided as proof of my identity does not match the information they currently have on my credit file. The letter also states they need me to resubmit my dispute with my Valid Social Security card and Driver 's license with my current mailing address ( which was all sent in with my initial dispute ). I have attached my dispute in it's entirety, the tracking number receipt and a copy of Equifax 's correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have any Real Estate. I never owned 5 cars. I never had 7 credit cards. I am a 100 % XXXX Veteran and was approved for department of education school loan forgiveness. I would like for all of these to be removed from my credit report. For my Hard Inquiries please provide original signatures that I ALLEGEDLY signed ... .I believe someone has used my name and identity. Thank you in advance for your help. 

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: Debt collection

Company is reporting a collections account on my consumer report without notice, proof of claim, proof of ownership, any contract or authorization, and full bookkeeping that includes interest and all payments made or missed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the XXXX XXXX XXXX  for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). 

Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/Aidvantage has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/Aidvantage has infringed upon my privacy rights.

Furthermore, the unauthorized reporting of transaction history, particularly regarding late payments, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/Aidvantage 's actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations.

Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. XXXX XXXX request for my SSN without my explicit consent demonstrates a blatant disregard for federal privacy laws. 

Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. 

In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against the XXXX XXXX XXXXXXXX XXXX Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Product: Debt collection

It is unacceptable to check my credit report and find all these violations.

Remove all fraudulent and inaccurate account from my credit report.

Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to remove 3 missed payments off of my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was a transfer that came out of my account, and the company never worked with me on getting the issue resolved especially that high amount
Product: Money transfer, virtual currency, or money service

Good afternoon. OnXX/XX/2019 a transaction from XXXX XXXX was sent to a person by the name of XXXX XXXX. I was not aware as when I received an email from this person stating I would receive a refund if items are processed I didn't know this number so I ignored the information. when I went to my bank I realized a payment of XXXX was removed from my account. I was advised by my bank that is was an electronic mobile device that possibly provided the funds and that I should contact the number to refund the money. I did so as well as contacted XXXX XXXX. I spoke with XXXX support on XXXX, XXXX and XXXX to get this resolved. I spoke with XXXX from cash support at XXXX. She advised me that she could see that this was not supposed to go to the person and that they would work with my bank to get this money reversed. the money was reversed by my bank and thenXX/XX/2019. I also sent a text message to this person where the money was sent to and was advised on XXXX XXXX that a refund would be sent back and sorry for any convenience but that never happened. The persons number was XXXX. On XX/XX/2019 I contacted Chase at XXXX about claim number XXXX, because I received a letter stated they found that the transaction was processed correctly or authorized and the {$120.00} was reversed. I requested how they determined that and no one could provide me a solid answer. I am furious because this money was stolen from me from a person who I do not now at all. The bank had me cancel my card and sent me a new one and guaranteed me that my money would remain in my account and then they took the funds on XX/XX/2019. I am disappointed and I want my account credited and I need to file this complaint to get this taken care of properly as no one at chase bank including branch managers such as, XXXX XXXX of chase in XXXX XXXX Louisiana bank, was extremely rude and advised that I will never get that money back and sorry for my loss of funds. Banks are supposed to work for the people and determine right from wrong. I need justice for this transaction and I want my funds returned. thank you.
Product: Debt collection

I mailed a letter to Discover with my discover card and told them that I would be unable to pay any debt for my card or loan for at least three months and to cease attempting to contact me in any form except one phone call they may make in order to tell me they are filing a lawsuit and where I can go to get the summons. Since then I have been contacted at a minimum twice a day while I am at work totally ignoring my cease and desist letter.
Product: Credit reporting or other personal consumer reports

I was discharged from a XXXX bankruptcy XX/XX/XXXX. I called to XXXX and asked questions concerning my account since I'm no longer in bankruptcy. My home was never included in my XXXX. However, as of XX/XX/XXXX on my Equifax credit report its not reflecting that I have an active mortgage account. But it does show that the account was reported by XXXX as closed.

This company needs to get their heads out of the four points of contact and do right by the customers and their accounts. I'm sure there are laws protecting consumers and their rights when it comes to situations like this. They're going to lie and say we did report to Equifax. They would be lying.

I have took photos and printed out my report as proof and also have a bank printout of monthly mortgage payment made to this company. I've had this loan with them after refinancing since XXXX to present day. 

They are not reporting payments I have made since they've acquired the loan. I'm sure I'm not the only one complaining about this company and its practices. And I have a right to say that this company needs to be investigated seriously. I can be reached at XXXX. Since it's closed give me the title to my house. Companies need to be held accountable for their actions. They'll hold me accountable. So, as a consumer, I will fight back every time something happens of this nature. And all three credit bureaus need to be updated from the time they acquired the loan XXXX to present day. This is unfair work pratices and ethnics as a company.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a XXXX 's XXXX XXXX XXXX in a XXXX 's in XXXX, TX, and was approved. I used the card to make a purchase of {$270.00}. 

On XX/XX/XXXX, I received my XXXX 's XXXX XXXX XXXX and my first bill in the mail. The bill had been due on XX/XX/XXXX, one day earlier, and had ARRIVED TOO LATE TO PAY ON TIME. 

On XX/XX/XXXX, the same day I received the bill, I immediately went online, created an account, and paid {$270.00}, the full balance reflected on my bill. At this time, I noticed an additional charge : a {$27.00} late fee. I called customer service at XXXX, where a customer service representative by the name of XXXX agreed to waive the late fee via a {$27.00} credit to my account, which he said " would be reflected on the next bill. '' He also strongly encouraged me to sign up for paperless bill via my email account. I agreed. 

On XX/XX/XXXX, I received my next bill, which DID NOT reflect a credit of {$27.00} as promised. In addition, I have been charged interest on this fee which I was never supposed to be charged, bringing my account balance to {$29.00} instead of {$0.00}. 

As of XX/XX/XXXX, I have not been able to obtain satisfaction on this issue. I was lied to and then cheated out of money by customer service. My XXXX 's XXXX XXXX XXXX ( administered by Wells Fargo ) has caused me nothing but grief and has cost me a late fee for a bill I received after it was due and then additional interest on top of that late fee.
Product: Debt collection

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account # [ Account Number ] Dear [ Debt Collectors Name ], I am writing to formally request validation of the debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g. I do not acknowledge ownership of this debt and am requesting detailed verification before any further collection actions are taken.

Please provide me with the following information : 1.The name and address of the original creditor.

2.The full amount of the debt, including a breakdown of fees, interest, and other charges.

3.Proof that you have the legal right to collect this debt, including a copy of any agreement bearing my signature.

4.A copy of any judgment, if applicable.

5.The date of the last payment made on this account.

6.Any documentation showing that I am legally responsible for this debt. 

Under the FDCPA, you are required to cease collection efforts until you provide proper validation of this debt. Additionally, if this debt has been reported to any credit bureaus, I request that it be marked as disputed until this matter is resolved. 

Please provide the requested documentation within 30 days of receiving this letter. If you fail to validate the debt, I expect that you will cease collection activities and remove any negative reporting from my credit report. 

This letter serves as a formal dispute of the alleged debt. Please respond in writing only, and do not contact me by phone. 

Sincerely, [ Your Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Name reporting incorrectly on my credit file needs to be changed. Inquiries are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 - I submitted a complaint towards XXXX, Exquifax, and XXXX XXXX regardinga bankruptcy they are currently reporting on my credit profile. 

Each agency replied that my credit profile has been updated with the correct information, and the updated information was received from XXXX XXXX. 

Per the attached document ( please read highlighted portions ), XXXX XXXX deleted this bankruptcy from their records on my profile with them.