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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/2017 This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. <P/>I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. Awaiting your reply in a timely manner. Sincerely, XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Money transfer, virtual currency, or money service

The incident is with Chime online bank. It started when I moved half of my savings from my normal bank to the Chime app since I did not see anything wrong with that. The amount was for {$9700.00} on XX/XX/XXXX. They did not bounce it, they accepted it, but flagged my account for suspicious activity. They then blocked my account on XX/XX/XXXX and asked for documentation to give me access. I have provided the requested documentation 6 separate times to both review and support on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XXXX. They closed my account on XXXX claiming they did not receive correct documentation and gave me no direction to re send anything or any explanation other than the generic email. They said it is not eligible for refund.
Product: Debt collection

XXXX XXXX at XXXX XXXX called XXXX from XXXX saying I owed more than {$14000.00} from XXXX XXXX from 2003.. He REFUSED to give any details. I have not paid any credit late in 20 years ... .plus the Statue of Limitations has passed on this FAKE account ... .He threatened me with Legal Action, garnishment, etc. I have received no written notification. I am filing a complaint with Illinois State Attorney ... ... .and all 3 Credit Bureaus. He was rude ... ....
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under 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. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I went on XXXX  to check my credit score and notice that I have 4 credit accounts open in my name that I have never seen. I have disputed them multiple times stating my case. They are very old but I have always been told they are valid. Today I got statements in mail to prove valid. I have never ever received statements in the past before. Which explains, I am getting a divorce now and my husband is not here to get the mail anymore after all these years. Now I can get everything that is forwarded.i can not prove the past but with my word. I wouldn't be going to this extent of proving myself if I were lying. I am trying hard to get myself a place for me and my XXXX  and thought my credit was good but these disputed credit cards are holding me up and making me live with my parents until it is resolved. So please let 's get this resolved. I have to do this with 4 other cards too. So I will be back on here 4 more times. I did not know about these cards. The mail might have been mailed out to my address but I never received the statements in my hands.
Product: Checking or savings account

On XX/XX/21 I went to Wells Fargo to post collateral into my checking account with a legal line of credit/security agreement from a private lender and spoke with Bank manager XXXX XXXX and upon reviewing the collateral he stated that Wells Fargo does not except the security although it's a legal document because they have no legal representation in their bank. Per Ucc Article V as long as the line of credit meet the requirements of law and facially does not go against the standard usage of such collateral used by institutions it is acceptable. I'm filing this complaint because it's racially motivated and such action should not be tolerated.
Product: Payday loan, title loan, or personal loan

Request of terms, rules, agreements with various locations of the banks various dates in XXXX and XXXX. Put letter in writing. Called inquiry number. Reported to credit reporting agencies.
Product: Mortgage

Freedom Mortgage has fraudulently charged me for force placed insurance. They purchased the servicing rights to my mortgage which had adequate hazard insurance coverage. Soon after I received a letter from them stating that they were going to purchase coverage if I did not provide proof of coverage. This proof of coverage has been provided to them several times. I had sent them a message through the servicing portal and they never responded to it. The co borrower on my mortgage called them and provided the proof of insurance and the service rep updated the record and assured that the insurance was fine.
Product: Credit card or prepaid card

debt is with a third party, i have no obligation to pay 3rd party services balance owed to Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
Product: Checking or savings account

Filed a complaint and it was closed. As if today no money has been returned to wire transfer sender nor myself. It was resolved i was told but still frozen. I have addressed with BMO several times. {$150.00} deposit return has not been honored since XX/XX/year>. 
BMO has held XXXX plus funds, frozen accounts and wont clise or lift freeze. I am not able to run my business without funds. Please unfreeze my account and allow me to get funds, then close my account which i requested several times OR return the wire transfer funds to the sender, XXXX, who verified it was a valid wire. Allow {$150.00} deposit credit into the account. Close the account as i have requested. 
Please explain how BMO can freeze funds since XX/XX/year>, discriminate against me and hold XXXX of my money to invest and ise at their whim.
Product: Debt collection

I have received 5 phone calls on XX/XX/XXXX due to a passed due account less than 30 days I advised to cease calling due to creditor harassment I was told per their policy they are to call multiple times a day until a payment is made. I received 3 more phone calls XX/XX/XXXX regarding the past due payment and was talked to aggressively by the representatives. And continued daily since receiving phone calls after advising numerous times to cease contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests since XXXX XXXX, 2021, but the unverified accounts listed below are still reporting on my credit report and are violating FederalLaw. The XXXX/Equifax/XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I noticed this collection account on my credit report by Credit Collection Services. I have never received communications from them or received any proof or verification that this debt was mine, even after disputing the account twice. I have never held an account with Credit Collection Services or had a contract of any kind with them. I have no idea where this came from or why it's appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I had a Texas XXXX XXXX XXXX XXXX with XXXX that started in 2008.Since that time many of my payments were applied to interest only which is a violation of Texas Home Equity Law. I will attach a letter and other information.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request Account Number : [ Your Account Number ] Dear [ Debt Collectors Name ], I am writing to you in response to a notice I received regarding an alleged debt with the account number referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of this debt. Please note that this is not a refusal to pay, but rather a request for clarification and verification of the debt. 

Please provide the following information : 1. Proof that you have the legal right to collect this debt ( including a copy of the original creditors agreement and any transfer of ownership ).

2. Detailed account information ( including the original amount of debt, any fees or interest added, and the date the debt was incurred ).

3. Proof that I am legally obligated to pay this debt ( such as a signed agreement or contract ).

4. A copy of any judgment, if applicable.

5. The name and address of the original creditor ( if different from the current creditor ). 

Please provide this information in writing within 30 days of receiving this letter. If you are unable to provide adequate validation, I request that you cease all collection activity and remove any negative reporting related to this debt from my credit report. 

Please also note that all future communication regarding this matter should be conducted in writing. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
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.

This accounts and Inquiries 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: Debt collection

In XXXX XXXX I received notice that all accounts listed on my credit report with Aargon Agency Inc. were all closed and would be deleted from all credit reporting agencies. As stated before I do not have an account or contract with Aargon Agency. There is still an Aargon Agency account reporting on my credit reports in the amount of {$570.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

THESE ACCOUNT WAS NEVER APPLIED FOR BY ME
Product: Payday loan, title loan, personal loan, or advance loan

I was a victim of online fraud. Person purporting to be someone else. Romantic Relationship developed and person started sending money to my account asking me to send it to different individuals, which I did. Then charges appeared on my bank account. 
Individual name is XXXX XXXX impersonating XXXX XXXX. Subject friended me on a XXXX site on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

what are these remarks by XXXX on my CREDIT REPORT XXXX : Account previously in dispute - investigation complete, reported by data furnisher Good evening, XXXX. I'm XXXX, a supervisor in our Utah billing department. I apologize for the frustration you've experienced with your attempt to close the dispute with XXXXXXXX XXXX. Our intent is not to over complicate the request and I appreciate you bringing this to our attention. I can confirm that the dispute was closed as of earlier today. In regards to the remarks that you mentioned - all disputed transactions found in favor of the merchant must be reported " as disputed '' to the credit bureaus by XXXX. That would have been placed on your account with the dispute previously ; however, because the case was closed at your request, I will update that and you will receive written confirmation of the update via mail. Is there anything else I may assist you with at this time? 

I never knew a dispute with a credit card was reported to the credit bureaus and now XXXX is affecting my credit score it dipped 39 points in a month! Why are you reporting something and since the first dispute I won because that business refunded me I was in the right and I won the XXXX  dispute too as the franchise owner sent me vouchers that equalled the whole amount of my purchase. So are you reporting false information to the 3 credit bureas? I will soon be buying a new home and you better be reporting this correctly as this is my livelihood. XXXX has been horrible to work with. I have NEVER had these issues with any of my credit card companies. XXXX is the best one I have and everytime I have a dispute especially if it under {$50.00} they simply credit me and a dispute is automatic. I do not have to email you people everytime to trigger it. Once I pay this credit card off I will not be using it. You have been treating me very poorly. The only reason I had XXXX is because of the foreign fees, but now you are affecting my credit scores and it is not acceptable. I will report you to the CFPB if you can not confirm HOW you resolved and reported to the credit bureas for the past two disputes.So you are stating you found the dispute to be in favor of the merchant? Ummm no the cleaning authority REFUNDED ME for the dispute I have records of my XXXX  case and everything and XXXX  the same thing! I sent you a message twice for these when they sent me a credit stating that they gave me a credit. WHY ARE YOU FILING THE DISPUTE IN FAVOR OF THE MERCHANT?! 
I forgot to add Equifax to my original complaint XXXX as I could not view my credit report yesterday. If you can please merge this case onto that one.
Product: Debt collection

Hello, I owed a total of {$400.00} to an apartment, the apartment sent to collections. The debt collector Hunter Warfield & I agreed for me to pay the above amount on my pay day XX/XX/2020. On that day ( XX/XX/2020 ) the money was removed from my account & on XX/XX/2020 they reporter and placed on my credit that I did not pay. The amount remains on my credit report right now. I dont want it to be updated as paid in full, I want them to completely delete it because it should never have been placed on there in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 listed unauthorized and fraudulent hard inquiries on my Experian credit report and also a fraudulent account from XXXX XXXX that has been disputed for years and also XXXX XXXX.This account was deleted and reappeared recently back on my credit file.I will be filing a legal discrimination lawsuit against Experian. As all the other two credit bureaus have deleted the unauthorized account from my file. Due to covid- 19 I have been unable to pursue this matter and now back to disputing this and having this account from XXXX XXXX deleted permanently from my file. As Experian and all the the other credit bureaus have and had on their files, that I have been a victim of fraud since 2012. My information has been exposed on the Dark Web, on other unknown sites, my identity was compromised, sociopath security number, phone number, past addresses, employer information, banking information and also my name was used to obtain goods spelled in different ways. I am requesting for the account and hard inquiries stated above to be deleted from my credit file. When my file was lock with Experian a unknown individual still was able to obtain an account in my name without my authorization via website. This issue needs to be resolved quickly as Ive been waiting for years. This has caused my credit score to deteriorate and also stop me from doing business with other merchants and bankers.Experian receives documents and denies each one of them every time. This is the only bureau that does this. See Attached below are more documents. 

Hard Inquiries : SM Bus Admin ODA- XXXX, XXXX- XXXX, XXXX XXXX