23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

SYNCB/LOWE 'S DC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNCB/LOWE 'S DC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/LOWE 'S DC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a XXXX data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find the attached copy of my ID, The FTC Complaint, a copy of my XXXX Report showing my information exposed in a XXXX XXXX XXXX and a Validation of Debt Letter.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate late payment reported on my XXXX loan account Account XXXX # XXXX for XX/XX/year>. I have consistently made timely payments on this account and was never late. To resolve this issue, I sent a dispute letter to Transunion requesting removal of the inaccurate late payment. I informed them of their obligation under the Fair Credit Reporting Act ( FCRA ) specifically Section 605 ( b ) which mandates accurate reporting. This inaccurate information has negatively impacted my credit score and financial opportunities. I am seeking the immediate removal of this late payment from my credit report.
Product: Credit reporting or other personal consumer reports

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Blocking and Deletion of Fraudulent Information To Whom It May Concern, Pursuant to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681c-2, I am formally requesting the immediate removal and blocking of fraudulent information from my credit report. This request is based on a verified identity theft claim, as supported by the enclosed documents, including : XXXX. Federal Trade Commission ( FTC ) Identity Theft Report ( Case Number : [ FTC REPORT XXXX XXXX. Police Report filed with my local law enforcement agency. 

Under 15 U.S.C. 1681c-2 ( b ), credit reporting agencies are legally required to block fraudulent information flagged by the consumer within four ( 4 ) business days of receiving a valid identity theft report. Failure to comply with this requirement constitutes a violation of federal law and subjects your agency to potential legal consequences. 

The following items on my credit report are fraudulent and must be blocked and permanently deleted immediate : FRAUDULENT INQUIRIES : 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 XXXXXX/XX/XXXX As mandated under 15 U.S.C. 1681i ( a ), your agency must investigate and resolve disputes promptly. I am also aware of my rights under 15 U.S.C. 1681n, which entitles me to take legal action in the event of non-compliance. If this matter is not resolved promptly, I will pursue all available legal remedies to enforce my rights. 

For your convenience, I have provided all necessary documentation to validate this claim, including a copy of my government-issued identification and proof of address. This letter, along with the enclosed documents, has also been sent via fax and certified mail for tracking purposes. 

I expect a written confirmation of the removal of the fraudulent items and an updated copy of my credit report reflecting these corrections within the legally mandated timeframe. Failure to respond appropriately will compel me to escalate this matter further. 

I trust that your agency will address this issue with the urgency and professionalism it demands. 
Sincerely : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Personally Identifiable Information was leaked in several data breaches and found on the dark web, I found more fraudulent information on my credit reports. I attempted to resolve this directly with the companies and the credit reporting agencies with no success. The companies have misinformation from the identity thieves that I could not verify to be accurate. Credit reporting agencies should not be entitled to disseminate false information, damaging my creditworthiness. I have suffered immensely as the fraudulent info has damaged me personally and with business. There were incorrect names, addresses, and phone numbers, as well as inquiries and accounts on these reports that are all fraudulent, and I requested a full accounting according to the laws of my state, Florida Statutes XXXX ; no company has provided this to me ; therefore, there is no way they could verify this with any third party. These third parties are financially gaining from sharing my PII along with bad information.
Product: Debt collection

Company name hunter warfield amount attempted to collect is {$2000.00} dates appeared on credit agencies  XXXX   XXXX ,2017. Balance is invalid coming from a previous apartment complex that I moved out of and put in a 30 day notice due to someone repeating breaking into my home, called the police several times due to the break ins. I have spoken to the  landlord and was informed that the balance will be taken care of due to the circumstances of why I moved out. Hunter warfield continues to call me after I have explained that the situation has been taken care of and the rental company will be contacting them. They call everyday all day from different numbers. They are   XXXX   my life with the calls as if the break ins was n't enough  XXXX . Just want it to st op so I can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, Experian, XXXX  ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!
Product: Checking or savings account

Between XXXX and XXXX I had a Navy Federal Credit Union located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX account and they would hold lesser payments and take bigger payments first to make my account go negative and charge me fees. The same thing would happen when trying to pay my navy federal credit card. I also had the issue with a prepaid card in good standing closed with the bank account for bounced payments overdrafts and more. They engaged in unfair acts and practices taking my money and causing my credit score to go down. Navy Federal let it go through so they could charge an overdraft fee, and also taking my XXXX 's and XXXX XXXX finds before they were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this with Experian. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but Experian is reporting XX/XX/XXXXXXXX  which is incorrect. No other agency is reporting this account. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and delete them immediately in my report : XXXX XXXX XXXX XXXXXXXX Balance {$10000.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Citi will not give me access to my money. I have $ XXXX deposited for over a month. I tried to wire it to an external account of mine. During the wire- the process required me to input a code that was sent to my mobile- I did that and the transaction was confirmed. Later- I was called by a representative- trying to confirm my identity. She sent another code to the mobile associated with my account- which I read back to her. I just recieved a note from Citi- notifying me that my wire has been cancelled. This can not be legal??
Product: Student loan

I am in the Public Service Loan Forgiveness Program. My loan payments are calculated at the lowest payment based on my income. I also attend school. I have submitted waivers for each loan sequence where a waiver is possible. My loans should always be in repayment. My student loans are serviced by XXXX XXXX XXXX. Each year this problem occurs and I spend hundreds of hours of my time fixing the problem. 

Recently, XXXX University updated my status with XXXX XXXX XXXX as in-school. Somebody at XXXX  XXXX messed up my deferment dates and wiped out years of qualifying PSLF payments. I have called and called and called and I need your help. XXXX XXXX XXXX will not fix the problem. I need my loans all put back into repayment, the lowest IBR payment reapplied, my qualifying XXXX payments from XX/XX/15 to present reapplied to my account, and a note put on my account telling the people who work at XXXX  XXXX XXXX to leave it all alone going forward. 

I just want to make my IBR payment, I want my qualifying payments put back on my account, and I want XXXX XXXX XXXX to leave my account alone. Their mistakes end me up in this situation every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX XXXX The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Checking or savings account

This complaint is towards my treatment with Wellsfargo. 
I opened a checking account and a safety deposit box at the following Wells Fargo location:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

Due to Covid-19 the bank has temporarily closed. I needed access to my safety deposit box. I was finally given an appointment for Saturday XX/XX/XXXX. I live in XXXX XXXX while my safety deposit box is in XXXX XXXX ( my former residence ). I booked an airline ticket, hotel accommodations, etc. However, when I appeared for my appointment, no one was at the Bank. 
The bank apologized and rescheduled me for XX/XX/XXXX. Again I booked an airline ticket to travel to XXXX XXXX + hotel etc. and I appear for my second appointment and again no one was at the bank. 
The bank manager informed me that she was busy and that someone called out sick and therefore she decided not to show-up. No sympathy was shown. They did not care for the fact that I spend so much money to travel twice just to get into my deposit box. 

I scheduled a third time for XX/XX/XXXX. Then again bought a ticket and booked traveling accommodations and I was finally able to access the box which I pay Well Fargo. 

On XX/XX/XXXX I receive a letter stating that Wells Fargo will be closing my accounts effective XX/XX/XXXX. 

This is in retaliation for their own incompetence. Now I have paid Wells Fargo and I have an agreement with them for my safety deposit box until XX/XX/XXXX. Yet, they do not care, nor do they give an explanation as to why they are closing my account.
Product: Checking or savings account

I received an account closure notification from Chime.com ( XXXX XXXX, XXXX ) with a notification that I would not get refund of my balances until I provide " documents '' that they do not specify which. 
I sent an email to XXXX asking how will I receive my remaining balances and they did not respond. 
I have around XXXX XXXX dollars on my account that they are holding.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX **Subject : Dispute Regarding National Credit Adjusters, Reporting** Dear Equifax Disputes Team, I am writing to dispute the accuracy and validity of an account reported by ( national credit adjusters ) on my credit report. This account was previously deleted, but national credit adjusters has re-reported it with altered information, including a new lender name and amount. This action is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information verify the accuracy of reported data. Key Issues with national credit adjusters reporting : 1. **Previously Deleted Account** : The account was removed from my credit report in the past due to national credit adjusters failure to validate it. 
2. **Altered Information** : national credit, adjusters has now re-reported the account, changing the name of the alleged lender and the amount owed without any explanation or documentation.

3. **Failure to Validate** : Despite my prior disputes and requests, national credit adjuster, has not provided the original purchase agreement or any other documentation proving the validity of the debt, as required under 15 U.S.C. 1681g and 1681i.

My Requests to Equifax : 1. **Investigation** : As required under 15 U.S.C. 1681i, I request that you conduct a thorough investigation into this account, specifically requiring national credit adjusters.

1. to produce the original purchase agreement or other supporting documentation to validate the debt. 
2. **Account Deletion** : If national credit adjusters can not provide verifiable documentation, the account must be permanently deleted from my credit report under 15 U.S.C. 1681e ( b ).

3. **Results of Investigation** : Please provide me with all documents, communications, and details of your investigation, as required by law.

Request for CFPB Involvement : Given national credit adjusters, repeated violations, including altering account information and re-reporting unverifiable debts, I am requesting that this matter be referred to the Consumer Financial Protection Bureau ( CFPB ) for further investigation. National credit adjusters actions may constitute violations of the FCRA and could warrant enforcement measures under 15 U.S.C. 1681s.

Additional Notes : This dispute is being monitored closely. Failure to address these issues in compliance with federal law within the 30-day timeframe specified under 15 U.S.C. 1681i will result in further action, including additional complaints to the CFPB and potential legal remedies.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX social Security XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XX/XX/year> {$470.00} XXXX XXXX XXXX Opened XX/XX/year> {$1600.00} My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX
Product: Mortgage

Dovenmuehle was transferring our mortgage servicing to their other company, XXXX, and we were in process with another lender in refinancing the mortgage. When the loan was paid-off in full, they reported it as a short sale, which has seriously damaged our credit. I called XXXX, as their name is showing on my credit report with the short sale information under their loan # XXXX RUSHMORE XXXX. I USED THE PHONE NUMBER ON THE CREDIT REPORT UNDER THIS ENTRY. I SPOKE WITH THEM SEVERAL TIMES TODAY DOING WHAT I COULD TO GET THE FASTEST RESOLUTION TO THE INCORRECT INFORMATION. After faxing them the credit report to show what they had done, calling several times, I was n't getting immediate attention to this issue and asked for a manager, then they told me I had to call their other company XXXX they are apparently related ) who transferred the loan to them, Devonmuehle. I called them and they were closed before XXXX XXXX XXXX time.