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

I am writing on XX/XX/2023 with a response to recent correspondence regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

I dispute the validity of the debt mentioned in your correspondence and request that you provide validation by providing the following information : 1. Verification of the original creditor 's name and address.

2. Documentation confirming the existence and validity of the debt, including the amount owed.

3. Copies of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt.

4. Verification of the license to collect debt in my state.

Please note that I am requesting the validation of this debt and not merely verification that you have my contact information, or a basic statement of the amount owed. 
Until such time as you are able to provide validation of this debt, I request that all collection activities, including communication by phone or mail, cease. Please communicate regarding this matter in writing only. 
I also request that any negative reporting to credit reporting agencies be suspended until this matter is resolved. 
Please respond to this validation request in writing within 30 days from the date of receipt of this letter. Any further collection activities without validating this debt will be considered a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXXXXXX XXXX I sent several TRANSUNION executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that TRANSUNION removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave TRANSUNION permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands.
Product: Credit reporting or other personal consumer reports

I paid of my loan with Mariner Finance in the amount of {$3000.00} on XX/XX/year>. Within a few days this company reported to the credit bureaus that I owed the entire amount. I disputed with the credit bureaus and the loan balance was changed to zero. Today, XX/XX/year>, Mariner Finance reported to the credit bureaus that I owed {$3000.00}. I called Mariner Finance and spoke to an employee named XXXX who said that they responded to my dispute with the credit bureaus and reported that my account is active and has a balance which is fraudulent reporting when my account. Is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered a late payment entry on my credit report for my XXXX auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from XXXX regarding the missed payment. 
Throughout my history with XXXX, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from XXXX alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with XXXX. This isolated incident does not accurately reflect my commitment to meeting my financial obligations. 
I genuinely value the relationship I have built with XXXX XXXX Bank and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from XXXX in evaluating my request. 
Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that XXXX be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 15 usc 1681 ( a ) ( 4 ) - you have the right to privacy any information you want to be private thats posted on your consumer report is a violation. Infringed upon my right to privacy ( you define what your privacy is ) *first in 1968 came true in lending act next in 1970 came FCRA next came FDCPA 15 USC 1681a ( 2 ) exclusion - this should not be on consumer reports *** Reports containing information solely as to transactions experiences between the consumer and the person making the report should be excluded
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Referring to Federal and Texas XXXX XXXX, GM FINANCIAL, I'm writing to address a concerning issue regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, particularly Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that GM FINANCIAL has engaged in unauthorized reporting to my credit report without securing my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, Texas state law, notably Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Additionally, Section 392.305 of the Texas Finance Code lays out clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for GM FINANCIAL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and showing an unequivocal disregard for federal and state laws. 

I demand, unequivocally, that GM FINANCIAL immediately cease any further reporting of information to my credit report without securing my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I stress that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that GM FINANCIAL will promptly rectify these egregious violations, respecting my rights under federal and state laws.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

I was in forbearance due to COVID and have been in a workout plan with current servicer to resolve past due fees owed. A loan modification was presented to me which increased the monthly payment instead of making the mortgage more affordable so I had declined the modification agreement. Servicer advised a valuation needs to be ordered to qualify me for a more reasonable modification agreement which is currently in process. While we are waiting for the valuation, the Servicer reported me as being 60 day late to the credit bureaus. Aren't the Servicers suppose to help consumers develop a reasonable workout plan and not further damage them with incorrect reporting to the credit bureaus? Please help clarify the current laws regarding reporting requirements for consumers attempting to exit forbearance as a result of COVID
Product: Debt collection

This company called Wakefield keeps putting this account back on my Credit Report once it's removed! I keep telling them that this account does not belong to me! This is a 3rd party collection agency! Who has 2 accounts from Wakefield {$730.00} and {$480.00} from XX/XX/2018!!! I also told them that am a victim of Identity theft! Can someone please look into this and get this removed off my Credit report as soon as possible? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Kohls Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Recovery continues to furnish paid information on credit file. Company received notices over 30 days ago. Company failed to comply according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}, {$8600.00} {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8600.00} -This is not my account. 

-CLOSED ACCOUNT- 3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$21000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00}
Product: Credit card or prepaid card

I signed up for an American Express Cash credit card with the rewards program giving {$150.00} back after spending {$1000.00} in the first 90 days. I spent the given amount in the first 30 days with and additional {$1000.00} in the following 60 days. After waiting several weeks I called in to collect on the {$150.00} and was told that I was not eligible because I was a previous card holder. Upon further inquiry I was informed that it has been over 12 months since the previous account had been closed and it was confirmed that I was never informed upon opening the new account that I was not eligible for the {$150.00} rewards program because of that.
Product: Debt collection

This company is harassing me on the phone and sending me collection letters threatening to put this on my credit report but I do not own this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through XXXX XXXX. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX  XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, XXXX XXXX reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.
Product: Money transfer, virtual currency, or money service

Coinbase disabled my connected bank account for ACH transfers, which I've used for four years, as recently as XXXX and XX/XX/2023 to move US Dollars between my bank and Coinbase, both ways. Now they are forcing bank account verification with XXXX, which requires sharing my bank login with a third-party that my bank told me they explicitly do not support and do not recommend I share my bank login with them. 

Coinbase 's help documents suggest you can do deposit verification if you don't want to use XXXX, or if your bank doesn't support XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These claims are, as far as I can tell, not true. ( I took screenshots of those articles ) Four different Coinbase customer support agents, last night and this morning, told me to use XXXX. They said XXXX verification is being shown to me because my bank has requested or required I use it. 

I called my bank and they said they do not support XXXX, and that giving my bank login ( username and password ) to an unapproved third party might break my contract and customer protections. So Coinbase misled me, consistently, by saying my bank was the one that must have finally " turned on their integration with XXXX '' and now I needed to use it. They told me that deposit verification was not an option for my bank. 

My service agreement with Coinbase includes the option to do ACH transfers at no cost. The other cash out options have fees. My recourse now is to go open a new bank account somewhere and then give XXXX access to it, and rely on that for moving US Dollars out of Coinbase. 

I'm looking for and not finding an announcement about this, which would have provided an opportunity to move money before these changes were implemented. And I think it's really not apparent from Coinbase 's help docs that XXXX is required for ACH transfers.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022, I discovered that my now ex-husband, had fraudulently opened a bank account and took a {$10000.00} personal loan out in my name without my consent. I have filed fraud with the bank and also with XXXX XXXX and it is still showing in my name that I owe this money. It is creating an issue with my credit report as it says I am the account holder, but did not sign for this account or open it. I did not have knowledge about this loan until XXXX of this year.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against EOS CCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Debt collection

I have been double billed for XXXX wireless phone numbers that I paid for and the payment reflects on the attached bill. I have disputed this XXXX XXXX XXXX  debt with the FCC and XXXX XXXX XXXX claimed they would resolve this but lied. 

I have proof of payment. This company is harassing me for payment not owed. They are ignoring my dispute, contacting extended family members, texting and calling.
Product: Mortgage

loandepot is holding insurance proceeds needed to pay a contractor to start work on a repair that is covered by my insurer. 

XX/XX/XXXX, XXXX Our home suffered water damage, the incident was covered by my insurer and they agreed to pay for water mitigation and repairs ( {$26000.00} ) XXXX XXXX, XXXX Water mitigation was completed and XXXX paid {$5300.00} XXXX Service Master for their work XX/XX/XXXX, XXXX Contractors have been selected and a check for {$10000.00} was sent from XXXX Insurance to loandepot for XXXX XXXX 

XX/XX/XXXX, XXXX loandepot advised that they would not release the funds needed to pay our contractors to purchase material. 

XX/XX/XXXX, XXXX loandepot reqeusted an inspection of the completed work, which indicated that 30 % of the job was finished ( the water mitigation ). Our insurance claim XXXX emailed loandepot advising that they release funds so the work could be started, and also stated that XXXX is holding on to the final check until the work is completed. 

XX/XX/XXXX, XXXX loandepot stated that they will not release any funds, because more than 25 % of the total value had already been released. I explained that the water mitigation company had already been paid, and their calculations should be based on the remaining work, which is with a new XXXX. We have only been paid 16.74 % of the total value as of XX/XX/year>. 

XX/XX/XXXX, XXXX XXXX XXXX loandepot that the total {$10000.00} needs to be release for work to begin, loandepot again advised that they would not release funds until progress is made on the repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid in full, and it is still showing a balance. I need this updated ASAP and an updated credit report should be sent to me reflecting this. I have included the confirmation number. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XXXX of XXXX on my reports. 

The credit card is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Disputes using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that reverting lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.