23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In advance this is not a refusal to pay so be advised, that this a notice sent to pursuant to the FAIR DEBT COLLECTION PRACTICE AC, 15 USC 1692g stating that your claim is disputed and validation is requested.

This is NOT a request for verification of proof of contact and mailing information but a request for VALIDATION made pursuant to the above named title and section. With due respect I request that your office provide me with competent evidence that i have any legal obligation to pay you. At this moment I will also inform that if any of your offices have reported invalidated information to any of the 3 prime credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both our State and Federal Laws. Due to this, if any negative markis found on my credit reports by your company or the company you represent, I will not think twice in taking legal action against you and your client for such as : VIOLATION OF THEFAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE DEFAMATION OF CHARACTER YOU ARE CAUSING. So as such if your LLC can provide with the proper documentation as requested in the following statement, I will require 30 days to investigate this information, during which time all the collection activity must cease and desist. Also during this time if any action is tkane that could be detrimental to any of my credit reports i will consult legal counsel for suit, This includes any listing of information to a reporting credit agency that could be inaccurate.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all reference to this account must be deleted and removed from my credit file and a copy of such deletion request sjhall be mailed to me urgently.

Proof of : ownership of ability to collect the debt and when it was made with the chain of assignments and where with the proper SECURITIZATION.
Product: Mortgage

I am a XXXX in XXXX, SC. Primarily I work with borrowers who have had prior chapter XXXX bankruptcy 's to get their mortgage payments lowered after discharge. 

Time and time again I have the borrowers current servicers taking over XXXX weeks, sometimes months to get a payoff over to the borrower and this is with the borrower actually requesting it. Specifically, the company that is taking this lengthy time to get the borrower what they ask for is PNC Mortgage. The other company 's comply with the immediately upon request but no more than XXXX days from the date of request law, but not PNC. I have a client now who has waited over XXXX months with repeated attempts to have this resolved and PNC has told them " XXXX '' literally every XXXX days for XXXX months. 

Considering this is a violation of the law and not an isolated incident I believe they should be reprimanded for this blatant disregard of their customers needs. In the financial industry, especially the mortgage industry these people are in charge of, in many cases the largest and most important investment in a person 's life. PNC is giving a bad name to banking as they seem to think that the law does not apply to them and that the loans that they service have no real person behind them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collections account from XXXX   insurance in the amount of {$240.00}. I have been trying for almost a year to have them remove this from my credit report both the collections agency and XXXX  have been sent insurance verification forms from XXXX insurance showing I had purchased I insiramce thrpigh them and cancelled insurance with XXXX. XXXX charged me and then sent it to a collections agency, they refuse to remove this account even though I clearly do not owe them. I have reported this problem to XXXX  and Transunion but get a response of it being reported correctly, it is not. I do not owe this collections account or XXXX. I have proof of insurance prior to cancellation of the XXXX  policy through XXXX and should have not been billed by XXXX, policy was cancelled.
Product: Student loan

Sallie Mae " account manager '', XXXX, has continued to harass my family and my family 's co-workers ( bosses ) at their places of employment. The SM account manager called my aunt 's boss, at her job and asked specifically for her boss - by name - and then asked if he knew me or how to get in touch with me. I do not personally know her boss, he knows my name - that is it. This is illegal - Sallie Mae 's account manager can not call my family 's co-workers at their places of employment regarding my financial hardship. The call was on XX/XX/2020 at XXXX. 

Additionally, XXXX ( account manager ) screamed at my mother when she was telling him she was at work and would need to call him back, he continued to talk over her and did not listen to a word she was saying. Instead he proceeded to call everyone in my family he could think of calling. 

Yesterday, we asked a manager with Sallie Mae to remove XXXX from my account for his illegal, predatory actions - we were advised that my account manager could not be changed. 

I would appreciate some guidance or assistance.
Product: Bank account or service

Chase Bank ran an inquiry on my XXXX XXXX and XXXX credit report. This was done without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnishers of that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is currently reporting a reinserted debt on my credit file from  XXXX   XXXX . It was first reported in  XXXX  ( report #  XXXX   XXXX . I disputed the debt with  XXXX   XXXX  through the CFPB on  XXXX / XXXX / XXXX . it was then deleted. now in  XXXX  the debt is re-reporting on my credit report. This is a violation of my rights and the credit laws. I tried disputing the reinsert with Experian was given the response that it was verified. I contacted  XXXX  and was never given a  XXXX . this account is not mine, i never opened an account with  XXXX . i have not received a response from  XXXX  and the dispute was submitted on  XXXX / XXXX / XXXX . This debt was removed from all other credit bureaus but Experian is still reporting it after it was previously deleted in  XXXX
Product: Debt collection

Professional Credit Management Inc hired a lawyer and filed suit on XXXX XXXX, 2015. I have not been notified by mail that they intended to pursue the matter in court, and was given no opportunity to discuss any potential settlement or payment.. I have not as of XXXX XXXX, 2015 been notified of their intent to sue or that they have actually filed suit as of XXXX XXXX, 2015. Research indicates this company has a D rating by the Better Business Bureau. This company has not called me as it does not have my phone number.
Product: Credit reporting or other personal consumer reports

I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the Supreme Lending account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed, or delivered to the consumer not later than 21 days before the payment due date.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the 21st of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.
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. 
Account name : XXXX Acct # 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  and Acct XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights XXXX 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$170.00} XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX  XXXX XXXX XXXX Owed : {$73.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello so someone is making fraudulent checks with the address of XXXX in michigan. They sent me a check for {$2500.00} and then it was an error and to send the extra {$1500.00} to a cash app user which i did since the bank gave me the money in my account and then took it away later. I have been contacting everyone i possibly can and trying to track where this came from and their connections with every detail they said through text. I have some leads. I filed a police report in XXXX XXXX California : I believe the person that scammed me lives in the eastern standard time zone ( florida, virginia, new york, michigan ) specifically and potentially lived in XXXX XXXX in the past. Please contact me I have spent the last week finding all possible leads. XXXX XXXX was also really helpful because they gave me some details that I found someone with links to all of the details and their picture on XXXX XXXX even if its fake I have seen before and I belive that was the picture they used talkin to me as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong Bank information about credit usage and balance owed passed onto the Credit Bureau resulting in my credit score dropping, also by having two late payments on two credit cards accounts my score dropped over XXXX points. XXXX XXXX, XXXX XXXX XXXX Bank reported 115 % credit limit in the amount of {$450.00} my limit is only {$400.00}, this showed up on my credit report in XXXX. XXXX. XXXX Bank reported incorrect balance owed, in XX/XX/XXXX. I have an account with XXXX XXXX and disputed this matter and it was submitted on XX/XX/XXXX as of today XX/XX/XXXX it's not completed I called XXXX it was told too me an investigation was done and a report was submitted. I notice on my credit report in XX/XX/XXXX on both accounts it showed the correct amount owed but my credit score never changed, my accounts shows Good standing but my credit score continue to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a violation to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 


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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent sagestream a letter on XX/XX/2020. I have received no response. I believe sagestream is reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 4 unauthorized accounts and 3 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

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 I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 2 late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. the account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX, I'm am now requesting that this matter to be investigated and information to be provided to with verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX In order to receive customer funds, I registered an account on the SQUARE.COM platform. On XX/XX/year>, my customer paid {$1600.00} to my SQUARE account. 
When I wanted to withdraw the money, I found that the balance was frozen and has been frozen so far.
Product: Debt collection

I filed a report and a 90 day fraud alert with the reporting credit bureau to notify them of a fraudulent medical collection reporting on my credit report. I then reached out to the debt collector and the medical facility who let me know this was a bill for a medical service performed on XX/XX/2014 in XXXX, Ok. I lived in XXXX Oklahoma at the time and never visited an Emergency room or even knew a patient by the name of XXXX whom they are stating the services were performed on. I notified them that this is fraudulent and I do not know this person or even where this facility is located. Apparently my stolen information was listed as the responsible party. I grew greatly concerned and am just trying to get this fraudulent information taken off my credit report because it impacts me personally and my family.
Product: Credit card

My credit card was charged for a hotel room that I did not stay in. I notified the bank as soon a I noticed the charge. They gave me a provisional credit but then later reversed it. They are stating that the credit card company verified that I made this purchase because personal info was used. My address, security code, ect. If someone had my card information they could have easily done this. I never stayed in the hotel room, I tried to contact the merchant but they are saying the charge was made on a third party website and they can not reverse it back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that I dont know about. Transform Credit Inc, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Company : Equifax Issue Type : Problem with a credit reporting company 's investigation into an existing problem Description of Issue : Equifax has failed to provide legally required dispute investigation results for XXXX separate disputes of the same account : Dispute # XXXX ( online submission ) Submitted : XX/XX/XXXX2024  Completed : XX/XX/XXXX/2024 Results : Not provided Called customer service on XX/XX/XXXX/24 and i was told results would be provided. 


Dispute # XXXX ( certified mail submission ) Submitted : XX/XX/XXXX2024 Completed : XXXXXXXX/2024 Results : Not provided This violates FCRA Section 611 ( a ) ( 6 ) which requires credit reporting agencies to provide written notice of dispute investigation results. I have documentation showing both disputes were completed but no results were made available.

Supporting Documentation : Equifax dispute center screenshots showing completion dates Original dispute letter Impact : This delay in providing legally required dispute results has prevented me from taking appropriate action regarding my credit report and has extended the timeframe this potentially inaccurate information remains on my report.
Product: Mortgage

Dear XXXX, RE : XXXX XXXX XXXX On XX/XX/XXXX we were affected by XXXX XXXX due to 45 inches of rain in 3 days in XXXX XXXX Texas.Not only has the Governor of Texas issued a Emergency Declaration but The President has signed into law an Emergency Declaration and my county fell under this declaration and protection per XXXX. 

I have a XXXX backed mortgage that is under protection of a 90 day moratorium as indicated by the HUD.gov website on any foreclosure related activity from that date onward until XX/XX/XXXX and possibly further. 

My loan servicer, Carrington Mortgage Services is aware/notified of the disaster, that my county falls under the declarations scope by XXXX ( XX/XX/XXXX ) and myself ( XX/XX/XXXX ) as well as the 90 day Moratorium. 

I received a Certified Letter from XXXX. dated XX/XX/XXXX on XX/XX/XXXX threatening foreclosure. 

Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 



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 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