23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter was mailed XX/XX/XXXX. 
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Request for Account Information and Verification of Debt Dear Sir/Madam, I am writing to request information regarding an account that appears to be in collections. Unfortunately, I do not have the account number available to provide you with. However, I would like to request your assistance in locating the account using alternative identifying information. 

Please find below the details that may help in locating the account : - Full Name : XXXX XXXX - Associated Phone # : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX - Address Associated with the Account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX I understand that, upon receipt of this letter, your agency has 30-45 days to provide validation of the debt and prove its legitimacy. During this time, any collection activities must cease. 

I am eager to resolve any outstanding obligations and am willing to cooperate fully in this matter. Your assistance in providing the necessary information would be greatly appreciated. 

If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX All collection activity was then paused for two months, until XX/XX/XXXX the activity resumed without a validation of debt, I am trying to be as cooperative as i can be, but i am not hearing anything from the matter.
Product: Payday loan

I received a letter in the mail from a debt collector stating I owed for a loan that I never applied for.
Product: Credit reporting or other personal consumer reports

Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, Experian, and XXXX ) and several creditor companies. 



Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score.

4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. 



These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored. 



Request for Resolution I request the following actions be taken to address these violations : 1. Immediate deletion of all unvalidated debts from my credit reports.

2. Comprehensive investigation into the compliance practices of the credit bureaus and creditors involved.

3. Assurance that no disputed items will be reinserted into my credit file without proper notification and validation.

4. Compensation for damages caused to my credit health and financial well-being.

Supporting Legal Framework FCRA 611 ( a ) : The right to a reasonable investigation of disputes.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition of reporting inaccurate information.

FDCPA 809 ( b ) : Requirement for debt collectors to validate debts upon dispute.

FDCPA 806 : Prohibition of harassment and unfair practices.

I expect timely action on this matter and look forward to a resolution. Please let me know if additional documentation or evidence is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}.
Product: Credit card or prepaid card

I received 0 % balance transfer checks stating no interest until XX/XX/XXXX. In XX/XX/XXXX, I transferred approximately {$2600.00} onto the card via this check. Since then, all my payments have been allocated to the 0 % balance transfer even though I had several {$1000.00} 's in purchases. When I spoke to the bank, they said because the rate on purchases is also 0 % ( until XX/XX/XXXX ), they applied all the payments to the balance transfer. As a result, I received no benefit of the 0 % rate until XX/XX/XXXX and the full balance will begin accruing interest in XX/XX/XXXX. It should've been disclosed that I would not, in fact, have the benefit of 0 % balance transfer since I was on a promotional purchase rate. I paid a 2 % balance transfer fee and essentially paid the full amount back the next month. When both rates are 0 %, they should apply amounts over the minimum to the 0 % rate expiring first. I can provide the credit card statements but do not want to upload via this site.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA. XXXX work : XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I recently deposited a check into my business account for XXXX XXXX XXXX  of approximately {$78000.00} from one of my regular payors. There is absolutely nothing unusual about the check, and it matches all other checks from the same payor that are regularly deposited to the account. 

The bank initially indicated a hold of 1 day, which is reasonable. Today, I receive an alert that the bank has placed an extended hold because they " have information to indicate the check won't be paid. '' I called the XXXX # and the representative confirmed they really don't have any information to indicate it won't be paid, and they actually have the pay out date confirmed from the payor bank. I'm just not understanding why the bank is holding funds from an agency that sends me XXXX XXXX XXXXXXXX of dollars on a monthly basis via checks. The check is dual signed by their CFO, is positive pay protected and comes on a weekly basis.
Product: Credit reporting or other personal consumer reports

I already request the account ( XXXX XXXX ) in the amount of {$1700.00} to be removed from my report as it does not belong to me. I'm not sure if the account is a Credit Card account or personal loan. I just know it does not belong to me. I have also dispute it with the company as well. I recently submitted a complaint for removal XXXX accounts. One was successfully removed. But the XXXX XXXX  still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is XXXX second trans union third is XXXX
Product: Mortgage

Our loan was sold to Ditech.We enrolled in auto pay.They told us it would not be in effect in time for our XXXX payment. We sent a check they got it on XXXX XXXX. On XXXX XXXX they took an additional payment through the auto pay. On the XXXX of XXXX i called and after 2 hours was connected to a supervisor, who while being rude to me assured me that we would have a full refund in XXXX to 7 business days. I checked a few times to see if they had sent it back and on the 7th business day I called again, and was told a supervisor was looking into it and would call me back. They never called me back. I called back AGAIN only to be told that the person who took my call could not connect me with a supervisor because the wait time for the supervisor was longer than 5 minutes and they could not be on hold that long ... .... and again said they would call me. I have done correct.I never asked to do business with them! I have no choice of taking my business elsewhere and they refuse to give me my money back in a timely manor and have caused a me to bounce other payments and fees. They are refusing to talk to me or allow me to talk to who I need to and refused to give me a number to connect me with anyone else have records of all the people I spoke with on what day and time. Please help. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 8. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 10. The inquiry was not authorized XXXX  Date XXXX inquiry : XX/XX/XXXX Delete this account. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 13. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 14. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
15. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 16. Validate Inaccurate/Reported Late payments XXXX XXXX Account Number : XXXX Please correct/update this account. 17. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 18. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid my mortgage of XXXX through my bank. Freedom Mortgage reported it late on XX/XX/XXXX. My mortgage would of been late XX/XX/XXXX however they received my payment before then. They stated they couldnt help me and I would have to contact the Credit bureau. Freedom mortgage also stated they tried to call me to notify me of what they were doing. However they had the wrong number on file. I have never been late on a payment, ever.
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to ONEMAIN for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

I DISPUTED AND REQUESTED ALL LATE PAYMENTS TO BE REMOVE FROM MY CREDIT REPORT. CREDIT BUREAUS UPDATED MY CREDIT REPORT WITHOUT SENDING ME VALIDATION OR REASON WHY IT WAS UPDATED AND NOT REMOVED. 
XXXX. XXXX  XXXX -LATE PAYMENT XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX. XXXX XXXX  XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states that I have the right to privacy ( 15USC 1681 ( section 604 section2 ) it also states a consumer reporting agency can not furnish an account within written instructions under 15 USCS 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

To Whom This May Concern : On XX/XX/XXXX I pulled my credit report on XXXX XXXX and noticed that there was an account for LVNV Funding that did not belong to me. I disputed this account with both the collection agency and XXXX, and subsequently it was removed. Proof of its removal is on the attached credit report from XX/XX/XXXX ; there are no collection accounts listed on my report. Upon pulling my report again on XX/XX/XXXX I noticed that this same account was reinserted into my credit report. FCRA requires that the CRA sends written notice of the reinsertion of an item within 5 days, and this was not done. Furthermore, I'm concerned as to how this company was able to reinsert this item into my credit report after previously deleting it after determining that this account does not belong to me.
Product: Credit card or prepaid card

Lowes Credit Card aka Synchrony Bank has been holding my refund money for 3 months without resolve. I was supposed to receive a refund check in the mail but I never got a check. The amount was in the thousands. I had to call more than 5 times each 30-50 min a piece. Each time they promised the check will be sent. They are scam artists and will steal your money and not do anything about it.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX was returned and a refund was issued but never applied to clear balance. XXXX or XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by Comenity Capital Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the Experian app, and I keep getting emails saying get your free credit report, and EVERYTIME I try to log in and ask for it the app says that I need to log in and EVERYTIME I do it repeats this process. I also called Experian about this and also their automated phone is faulty too. And I cant get a hold of a person either. All I want is my free credit report, is that hard to ask?
Product: Debt collection

First off Federal Law prohibits anyone from collecting taxes other than the taxing authority. KIA Finance ( KIA ) is attempting to collect taxes on behalf of a municipality where I do not reside and have not resided in a year. 

KIA paid taxes to a municipality where I did not reside. The taxes they paid represented XX/XX/XXXX to XX/XX/XXXX. KIA told CFPB ( Complaint XXXX ) that the taxes they paid were for the year XXXX but that is false. The CFPB closed the complaint based upon KIA false claims. KIA hasnt even requested a refund from the State of Massachusetts XXXX XXXX XXXX who is aware of the false taxation levied against me. I am XXXX  and use my car to receive daily care at a XXXX  facility and KIA has threatened me with destroying my credit because of these false and illegal taxes. 

I contacted the XXXX XXXX XXXXXXXX, MA at least XXXX in writing ( email and registered mail ) see attached and they claim that KIA hasnt requested a refund of the erroneous taxes and that they may take another month to issue a refund even though I first asked for the refund in XXXX, XXXX. 

The CFPB needs to ask Congress to disallow Auto Finance companies from acting as tax collectors. This is not lawful and if a tax authority can not find a former resident ( because they moved ) more than likely its because they left the state. Each state has license plate readers so they know when residents leave the State for good. This is unlawful false debt collection that is causing serious harm to Americans who are being forced to move frequently due to ridiculous increases in housing costs. Please do something to help Americans rather than just close claims. It is becoming difficult to stomach paying taxes to any State or the Federal Government anymore.
Product: Credit card

I made a purchase on XX/XX/23 for {$2300.00}. Original purchase was XX/XX/23. The purchase I did at the store was supposed to be XXXX months no interest however Synchrony placed it in error XXXX months on my XXXX XXXX. I am needing this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX access my credit file without my authorization. XXXX XXXX XXXX XXXX, XXXX Place a fraudulent hard inquiry on my credit file. I do not do business with XXXX XXXX XXXX XXXX, XXXX. I have not done business in the past with XXXX XXXX XXXX XXXX XXXX XXXX. This hard inquiry is fraudulent.