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

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). 

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages. 
I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter. 
Thank you for your time and understanding.
Product: Debt collection

Property Address : XXXX XXXX XXXX, XXXX, FL XXXX My last day of tenancy with XXXX XXXX XXXX ( XXXX XXXX. XXXX, FL ) was XXXX/XXXX/XXXX. I provided my forwarding address via email and in writing. I was to receive a Security Deposit Disposition form with an itemization of charges of the final billing. I received nothing. Not even a certified letter or no notice of an attempt to deliver a certified letter. 

On or about XXXX XXXX, XXXX, I receive a call from a debt collector requesting payment of $ 1,800.00+ on behalf of XXXX XXXX XXXX 

I demand to obtain a copy of the itemized billing so that I can validate the debt. 

ALSO NEED THE CERTIFIED USPS DELIVERY TRACKING NUMBER OF WHEN THE FIRST STATEMENT WAS SENT BACK IN XXXX ( probably the XXXX of XXXX according to National Credit Systems )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these companies to pull my credit information
Product: Debt collection

I spoke to XXXX today ( XX/XX/2022 ) explaining that I do not have a debt with XXXX. I cancelled service and returned the cable box equipment to the nearest office. From that initial point of cancellation, whatever balance I owed was satisfied. There hasn't been any notification thereafter about any remaining amount due. I don't owe anything more. Please remove my name and the connection of this collection error from the data base.
Product: Credit card

I received an e-mail from PayPal on XX/XX/2014 offering a {$50.00} statement credit for opening a PayPal Extras MasterCard account and making {$100.00} in purchases by XXXX XXXX, 2014. I complied with all of the terms, but still do not have the {$50.00} credit. I 've called them several times, but they always say " next month. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit application was submitted to USAA and I have no knowledge of it.
Product: Debt collection

XXXX XXXX XXXX petitioned XXXX XXXX AL court to grant them a default judgement for an old debt. not only did they not serve me a summons. but they had a server sign court documents stating i received the summons to appear in court. but as i told the court, i have a witness that i did not receive a summons on the day it was supposedly served. XXXX has harassed me with numerous phone calls, court summons after the default judgement and have disrupted my life. They lied about me owing this debt. i provided paperwork to the court that the merchandise they claim i owe for was returned to the company that sold portfolio this debt. XXXX continues to harass me, cause me undue stress, disrupting my routine by have to dispute judgments in court and court appearances and have caused me financial strain trying to prove this judgement was gained through deception and lies.
Product: Credit reporting or other personal consumer reports

I have consistently contested the inaccuracies in the following information with XXXX, XXXX and Transunion, and unfortunately, the issue remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. The following personal information is incorrect Current Address : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXXXXXX Account Number : XXXX The account is reporting inaccurately and must be removed from my report. 
XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

The debt collector engaged in abusive practices prohibited by FDCPA, no 1099 submitted or my signature that I have business with them
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over XXXX XXXX XXXX with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on XXXX XXXX XXXX monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
Product: Credit reporting, credit repair services, or other personal consumer reports

investigation was not preform and they did investigate the claim or try they do not have any contract with my name on it how did they certify anything they ignored my quest and keep information from being investigate which did invalidate they this is a validation of the fair debt collection act 601.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian made a mistake and had my legitimate accounts by XXXX XXXX flagged as XXXX. I've since then been given the runaround since XX/XX/XXXX from Experian passing blame on to XXXX XXXX to resolve this issue. On XX/XX/XXXX after speaking with XXXX with XXXX XXXX XXXX dispute application department and was once again told that Experian will need to contact XXXX  XXXX and acknowledge the error since I never disputed the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


Bankruptcy XXXX XXXX-discharged Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX -
Product: Credit card or prepaid card

I had a store credit card from Synchrony Bank for XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, NY. The account number for this XXXX XXXX XXXX XXXX XXXX was : XXXX XXXX XXXX XXXX. 

This credit account has an excellent credit and payment history. I have never been late. I have always paid all my promotional purchases within the timeframe of the promotion. 

I have several other credit accounts from Synchrony Bank. None of these accounts are general-purpose credit cards. All of them are store cards. All my accounts have always been in excellent standing. I have never been late, and I always paid my promotional purchases within the timeframe of the promotion. 

Most of the time, my account with Synchrony Bank carry a balance of XXXX XXXX XXXX XXXX. 

Sometime during the week of XX/XX/2020, Synchrony Bank decided to close the XXXX XXXX XXXX credit account. I learned of this fact by doing my weekly online check of my credit accounts at the Synchrony Bank website. 

I contacted Synchrony Bank. No information was provided to me as to why this account was closed. The representative tried to offer several contradictory pieces of information : ( a ) the account has been inactive for too long ; ( b ) the account is not closed ; ( c ) Synchrony Bank is sorry for the inconvenience. 

There is no requirement for this account to incur periodic charges in order to maintain its active status. When I asked SynchronyBank to provide me with a reference to this requirement, they were unable to do so. 

What Synchrony Bank did not address is the materially adverse effect the closing of this account has had on my credit score. The closing of this account has caused my credit scores to drop by 20 points with the three major credit bureaus. This, in turn, will have an adverse effect on my general credit. 

Synchrony Bank 's action is also a blatant misrepresentation of my creditworthiness : the account was unilaterally closed by Synchrony Bank for no reason.
Product: Money transfer, virtual currency, or money service

Ive used Venmo, XXXX XXXX PayPal, XXXX and XXXX now for about 6 years. But Venmo is a regular online payment app that a lot of my customers end up paying me through. Well last week my regular customer went to send me what he owed me through Venmo and he has done that almost every single time, said it wouldnt let him sent it because my account wasnt accessible. So I looked and saw they froze my account. I got in contact with that multiple times and followed their instructions step by step and ended up sending them a copy of my legal drivers license. I was told within minutes that they received it and are reviewing it and should take long to be unfrozen. Its now been 4 days and I have had no response from them. Ive called 3 times just this morning because since they froze the account my cell phone was shut off and thats costing me an extra {$20.00} for the reinstatement fee. ( I was transferring money from my Venmo to my bank account to pay it ) and I finally got to talk to a normal human today and asked why it was frozen, ( XXXX ) told me that someone had tried to access my account, refused to tell me the region or the device used. If he would have I could either tell him, that was 100 % me personally or oh my XXXX, thank you for tracking that if it wasnt actually me. He kept interrupting me and when I told him to stop interrupting me while Im trying to explain things to you, he hung up on me. I called back and got through to another guy, ( XXXX ) tried to explain things and I asked if he could tell me why it was frozen, he says theres no possible way for us to see why it was frozen, only the account specialist can see that so I asked to have him transfer me to one and he said the specialists dont talk to the customers for any concerns so either him or XXXX XXXX straight to me. I then asked for his name towards the end of the conversation and he said Im not disclosing that, Im ending this call and hung up. Called again and got through to a lady and asked for the names of the last 2 guys I had been in contact with, she gave them to me. And I still have got no resolution for the issue they have caused me and still no email response, chat in the app response. Or anything! Absolutely 100 % HORRIBLE customer service and once its all handled I will NEVER EVER have anything in an account that involves Venmo.
Product: Vehicle loan or lease

I purchased a used vehicle and financed it through Westlake Financial Services. The loan amount and the interest rate do not calculate to the 40 % interest being applied to some payments. I've overpaid my monthly payments to the sum of {$2500.00} in 5 months and only {$1300.00} has gone to principal at 11 % APR. I called Westlake Financial and was put on hold then disconnected. I called again and was to " just consider what's not in the contract, there is a $ XXXX charge for interest. '' At this rate, with an XXXX APR, I will pay almost $ XXXX on a $ XXXX loan. 

Please advise.
Product: Mortgage

Back in XXXX we requested help with a modification on our mortgage with Bank of America which is at XXXX %, they said they could n't help as we were " NOT '' behind on payments. We then missed a payment as my company was sold and I was out of work for a short amount of time. After months of us sending in all the requested paperwork and them " misplacing '' or " not '' receiving what they said they needed they finally gave us an offer for a modification, at a payment " HIGHER '' than what we were paying at that point. We declined immediately in XXXX, XXXX and have been in a fight with them since then as they have forced us into an escrow account which we never had before on the mortgage. They went and paid our 3rd qtr taxes and home insurance in XXXX of XXXX and kept posting our payments as " unassigned '' because we were n't paying the escrow amount since we also had paid the insurance and taxes ( neither which have ever been late in the entire time we have had the mortgage ). Finally in XXXX they said they would remove the escrow account if we paid them back what they had paid towards the taxes and home insurance which we did, but they know are claiming that they will not remove the escrow account until we have 12 months of ontime payments which INCLUDE and escrow amount of $ XXXX per month!! They have lied, mistated and fraudulently handled our account for the last year and a half. Also everytime we call they say the call is being recorded, when we asked for copies of such they say we can not have them. When my wife said she was going to record the call with them they immediately said the call was going to be terminated as they do not allow themselves to be recorded.
Product: Student loan

Navient is my servicer and has misapplied my payments repeatedly. I have been adding an extra {$50.00} a month to my loan with the lowest balance. Their website allows you to direct extra amounts to the loan you choose but they were taking my extra money and allocating it differently than what I directed them to do. I contacted them, thought it was fixed then it appeared they started adding my extra payments to future monthly payments instead of the principal. I contacted them again and thought it was resolved and now for the third time, their website is telling me I don't have a payment due for 2 months in a row on one of my loans. Clearly they are misapplying the extra funds again because there should be a full amount due on both loans every month. I never have directed additional funds toward future monthly payments. I'm fed up with this service.
Product: Debt collection

In XX/XX/2018, XXXX XXXX XXXX received certified letter requesting proof of original application, contract, any an all statements related to this debt, signed receipts, canceled checks, and or documentation containing my original signature obligating me to a debt that the claim I owe. Since, I have only received a screenshot of a piece of paper with my name, an account number, as means of validation. As per the Fair Debt Collection Act, section 809 ( b ), XXXX XXXX is in violation by continuing collection efforts without providing the requested documentation from the consumer as well as the original creditors information. In addition XXXX XXXX received a notarized affidavit requesting original documentation containing my signature regarding this debt. Since XXXX XXXX has failed to provide the requested documentation, I expect this debt to be removed from the all three of the major consumer reporting agencies immediately.
Product: Debt collection

NCO Financials continuously calls my cell phone and has also called the home of a relative and told my relative that they needed to speak with me and left a phone number for me to call them at. I have told this company that have no knowledge of the debt they are referring to that they are attempting to collect. The representative referred to me by a former name that I have not used nor have been known by for almost ten years. They asked me questions to confirm my identity, all of which I answered, and then they asked me if I was sure that this debt does not belong to me. I have received another phone call today from NCO but, they hung up on me when I answered. I want this company to stop calling me and my relatives. If they believe that I owe them something or am legally required to pay money that they believe is due to them, they should contact me in writing. At this point, I consider their repeated calls to me and my family as harassment. The number that they called me from today is XXXX. I do not know the numbers that they have previously called me from.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was reporting inaccurate information on my credit report that has caused me significant harm to me and my character. This has held me back from getting financial gains. I had requested so many reinvestigations about a XXXX XXXX account that was being reported and sold without my consent. Now the two XXXX XXXX accounts are not viewed on my XXXX report however XXXX has the fiduciary duty and obligation to notify all furnishers, Transunion, XXXX, XXXX, XXXX, of this inaccurate reporting and XXXX has failed to do so. All other furnishers are reporting inaccurate information on my consumer report and this too is causing me significant harm. XXXX has failed to fulfill their obligation pursuant to the Fair Credit Reporting Act, for the banking system is depending on fair and accurate reporting of the consumer. Also XXXX failed to delete all inquires on my account and also failed to remove the fraud alert like instructed to do by the consumer. Demand removal of job information
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, Equifax, XXXX and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.
Product: Money transfer, virtual currency, or money service

I was scammed of {$55.00} and {$100.00} on venmo on XX/XX/23. I put a stop on my bank account and filed a dispute with venmo which they denied despite my police report and FBI XXXX report which also recommended me not to contact the scammer, whereas venmo told me to ask the scammer for money back. 

Subsequently, I was paid money on venmo which venmo took to fill the {$150.00} amount. I moved to close my account which had remaining money {$260.00} in it where venmo was supposed to mail me a check for, which never arrived.