23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is? violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you c validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 547 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you be collected as evidence should any further action be necessary. This is a request for information onl and is not a statement, election, or waiver of status.
Product: Checking or savings account

I lost my phone on XX/XX/year> I was out grocery shopping. I had just transferred XXXX dollars from my bank onto my chine account reason being is because I closed my other bank out. So I was going to start using my chime account my card info address etc were in my phone I told the chime customer support agent thats how they mustve gotten into my account and swiped the money. I woke up the morning of XX/XX/year> to every bit of money on my account gone. My account now says XXXX $ now I dont know who or why they would do that I looked on my chime account it looks as though the money was transferred from my chime onto a XXXX XXXX card. It is certainly fraudulent I can proof it chime denied my dispute request. Which is bad on their part they didnt even look and try to help as this was my money now I have no way to work or to pay bills. 
U can take a look at my chime youll see where I put like XXXX $ and like XXXX $ onto the chime from my bank that I closed out later on that same day youll see where its taken out and transferred somewhere else.and I lost my phone and card the picture I sent as evidence youll see where someone took XXXX off of my chime card at XXXX XXXX Its fraudulent I will whatever I can to get my money back because its not fair I have to suffer for others behaviors. Chime doesnt seem to care
Product: Credit reporting

State GovernmentRef : XXXX Tax Lien - Filed State GovernmentRef : XXXX Tax Lien - Filed The information was pulled from a third-party reporting and I was told by the court they do not report therefore it needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX XXXX XXXX account was properly investigated, but how is that possible if the Account Status is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Creditor Remarks are inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Identity theft report in reference to accounts open using my identity. After reaching out to Equifax I was advice what to do in order to remove accounts from my credit file. I took liberty of sending documents requested by Equifax in order to have information blocked/ deleted from my file. However, after being told from Equifax Fraud dept. information would be blocked it is still showing on my credit file. This matter has been on going for quite sometime now. I feel like a suspect instead of a victim. My life has been ruin, trying to obtain credit. I found out I was a victim of Fraud when I applied for a mortgage in 2018. I am reaching out to CFPB to assist me in resolving this issue. It has been a nightmare dealing with credit reporting agency. I have tried to resolve this matter amicably with Equifax. Now I am taking it a step further. Thanks for your time and attention in regards to this matter.
Product: Checking or savings account

I had notify my bank about not authorizing any more transactions from XXXX XXXX since I had canceled my policy with them, the representative said that was done then a XXXX XXXX later I found a charge from XXXX XXXX for {$750.00} when I tried to dispute the transaction the representative couldn't help.
Product: Debt collection

My name is XXXX XXXX, and I am seeking help in resolving a bill from Delinquent Recovery who represents XXXX XXXX apartments. I was evicted around XXXX. I recently applied for an auto loan and a collection with Delinquent Recovery came up showing I owe almost {$2600.00} to Delinquent Recovery, who represents XXXX XXXX apartments. 
I reached out to management and asked them to mail or email me a copy of the certified letter they sent me with a breakdown of the fees stating what needed to be fixed, or any pictures within the allowed 30 days by law. Unfortunately, no one is willing to give me any information therefor this account needs to be removed from my credit report ASAP. 
If you have any questions, please contact me at XXXX or by phone XXXX
Product: Checking or savings account

I was denied access to overdraft my account with no explanation or reason as to why this right was taken from me
Product: Checking or savings account

PNC bank has sold my signature i suspect because i traced down some numbers on a returned check to a financial institution in XXXX, strangly enough on another returned check i have from somewhere else i found the numbers in the lower right corner also that traced down to a XXXX corporation,,,,,,,,, so why is PNC bank asking me for or claiming i owe them something when they sold the original instrument of indebtedness and made plenty of profits, and why cant they produce the original instrument with wet ink signature, why is it a secret what they do with these signatures, look up the number XXXX and tell me what you find, im gettiing to the bottom of this fraud
Product: Credit reporting or other personal consumer reports

XXXX did not verify any information against credit reports to truly verify the identity of a consumer. I have called them on multiple occasions to get them to fix their information and even told them that what was done was fraud. They never resolved the issue and I have contacted them beginning in XXXX of 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to help with the situation im having with two companies one being Experian not deleting a fraudulent account that keeps reporting on my credit report. I have uploaded an FTC report drivers license and phone bill for proof of address.
Product: Payday loan, title loan, or personal loan

I paid a total of {$1200.00} in three extra payments intending to reduce the principal on a loan. Principal was not reduced in accordance with the amount paid. After contacting the company about the discrepancy I was assured that the issue would be addressed.. 
The issue was not addressed satisfactorily but became more confusing. The second attempt to address the issue has been met with delays.
Product: Student loan

Navient has been attempting to contact me. They have an accurate phone number, email address and physical address. Today, XX/XX/2019, they opted to contact my fiance. At this time, he is NOT listed on any of my accounts, his phone number is NOT listed as any of my contact information and NO ONE is authorized to speak to him about my personal finances. This is a huge breach on the part of Navient as they have now shared personal information to someone who is NOT authorized to receive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and delete : XXXX XXXX XXXX Date Opened : XXXXXXXX- Balance : {$270000.00}. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and TransUnion on XX/XX/2023 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I closed on my house XX/XX/XXXX through the company Guaranteed Rate Inc. At the time of closing my monthly mortgage payment was XXXX. XXXX was taken out of each monthly bill and put into escrow. My loan was recently sold to another company XXXX serviced by XXXX XXXX. We received a statement on XX/XX/XXXX informing us that our escrow account was short and that we would be paying an extra XXXX a month for 12 months to catch up then it would drop down XXXX permanently. I contacted the original company that we closed with at the time of the purchase and they admitted that they failed to estimate the taxes based off of the home assessment because it was new construction and the town didn't assess the house yet and they failed to push back on the lawyer who provided them the information as well as failed to inform us of this prior to closing. My mortgage is going to be over XXXX dollars a month now and I don't know how I am going to pay it. We specifically bought the house based of of the monthly payments we were told we would have if we knew they would have been XXXX more a month it would have significantly impacted our decision.
Product: Money transfer, virtual currency, or money service

I sent XXXX today XX/XX/2023 to XXXX XXXX XXXX The receiver was XXXX XXXX. She is my girlfriends mother. Moneygram said they needed more information to process the transaction. They want her date or birth and her place of birth. I don't even know this woman so I told moneygram to cancel. They refused. I told them I don't speak their language and don't even know the woman 's telephone number. So I am filing a complaint. The transaction never was completed and did not go through. The moneygram reference number is XXXX. The amount was XXXX. I am the sender. XXXX XXXX. The receiver in XXXX XXXX was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a Consumer and I sent a Dispute letter to Equifax on XX/XX/XXXX along with Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. 

In return Equifax responded, with a letter stating that they will not block and remove the 3 accounts that I requested. But in the 2nd Paragraph of the letter, Equifax stated that in order for them to block the XXXX accounts under Section 605B of the FCRA I will need to provide them with the following information : Proof of Identity, specific information that is a result of identity theft, and a copy of complete and submitted Identity Theft Report with the FTC. It's crazy because I submitted all 3 of the necessary documents that's needed in order to follow Section 605B of the FCRA and block and remove the items. 

I called Equifax and explained to them what they have failed to do and as a result violate my consumer rights. I talked to a representative and she said they are in fault and she reviewed my file and seen that I had everything that is required to block and remove the 3 accounts. She gave me a confirmation # XXXX and said that the 3 accounts would be removed but they still remain on my Equifax Consumer Report. I look forward to hearing from you and taking care of this matter.
Product: Credit reporting or other personal consumer reports

In reviewing my report I found 7 inquiries that I am not familiar with : ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX digi XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ). I keep a record of all credit request and these are not mine. I am not sure how this happens but I do know it affects my score. I also noticed a huge amount of soft inquiries that I am not aware of but did not include them due to reporting state it does not affect the score. This is scary and I am not sure of the source.
Product: Credit reporting or other personal consumer reports

I filed a XXXX XXXX XXXX petition on XX/XX/2023. The XXXX account is part of my XXXX XXXX XXXX. This company keeps reporting inaccurate information of late payments to my Experian credit bureau from XXXX, XXXX. The XXXX  was XXXX in XX/XX/2023. I have produced the XXXX  XXXX information and Recission document which shows XXXX is included in the XXXX. The late payments should be removed, and it showed show on my end XXXX  XXXX. The Experian rep said he could see from his end that the file does indicate a XXXX  XXXX XXXX  for this account. However, when I pull the report it shows with past due payments from XXXX until current with a balance owing. I have tried several attempts in speaking with XXXX collections and XXXX  department with no success. The other XXXX reports are updated according at XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached to Equifax via letter to advise of these inaccuracies reporting on my credit report and asked for proof and validation of the items in which Equifax failed to provide me with the proper documentation. I sent that same letter to XXXX  and in which they werent able to provide proof which caused them to remove these items from my credit report. This negative thing is causing such great stress in my life which is causing me to not be able to move forward in my career and purchase new things such as home because of these inaccuracies. I am demanding for these items to be removed immediately otherwise I will seek legal action against the reporting agency, Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve my Membership issue with Experian for the past 4 months. I provided them with everything they asked for, i even uploaded a copy of my Drivers License. They mixed up my personal information with someone else 's personal information, because of that i am unable to access my Membership account. The verification questions that i am asked is mixed up with someone else 's personal information. I called them several times, talked to several agents and a couple of supervisors and even to the escalation department to get this issue fixed nothing but apologies & empty promises. They verified that they made a mistake and mixed up my personal information up with someone else, they just keep telling me to wait 24, 48 or 72 hours every time i call them so that they can fix the issue. If there are hungry hyenas on one side and Experian employees on the other i would take my chances with the hungry hyenas. Since i am unable to access my Membership to monitor my score & report on Experian they advised me to try XXXX to get the report, I took their advice, went to XXXX but it too was unable to access Experian 's credit report and score. There is no freeze on my Experian 's credit. The reason i want to keep on top of all three credit bureaus is because i was a victim of XXXX  's data breach. I have no problem with the other two credit bureaus, i am able to login and monitor both my XXXX  & XXXX  's scores and reports.
Product: Student loan

My federal student loans were consolidated into a direct loan in XX/XX/XXXX. They were serviced by the now defunct acs. In XXXX they were then transferred to XXXX. XXXX seems to have lost any and all records of my payment history prior to them taking over servicing of the loan. These missing payments have caused me to lose out on a significant refund on my student loan payments as part of the tepslf program. I've tried numerous times to get this information and they tell me there is nothing more to do. I've reached out to XXXX, my congressman and other servicers and this problem still persists. I've been working on getting answers for nearly a year but no one can answer my question, where is the verification of my payments? Please help or direct me to someone who can! Thank you.
Product: Mortgage

I received a loan modification offer unsolicited from Seterus. I spoke with a representative on XX/XX/XXXX about the terms of any modification, and she offered no information whatsoever on the terms only that the payment would be XXXX/mo lower, and simply offered a wait and see attitude. This wasnt a mistake that the terms were not revealed until mid-XX/XX/XXXX ( to add 40 years to the balance of the loan ). I also never asked to be in the program in the first place, I simply logged in one day to discover I was in the program, without notice. Most importantly, the program/staff fail to mention that if the offer isnt accepted the reduced monthly payments that were being accepted and also reported as current on their site would then, and without notice, retroactively NOT be accepted or applied as monthly payments and used instead to manufacture a default, thereby fraudulently generating thousands of dollars in fees and missed monthly payments that must be paid as a lump sum reinstatement under the threat of foreclosure with the ultimate aim to capture my equity in the property. Seterus then stated I was in foreclosure and demanded on XX/XX/XXXX {$5800.00} to bring the loan current through XX/XX/XXXX with no mention/accounting of what  happened to my reduced loan payments made during the trial period. I paid the money but the reinstatement amount and the tactics used to arrive at this figure were unfair, deceptive, fraudulent and a clear example of predatory mortgage servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below has violated my federal and protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX  XXXX ( XXXX ) Account XXXX  XXXX Account XXXX XXXX XXXX Account XXXX  XXXX  XXXX 15 US Code

1681a ( 2 ) ( B ) states that the term consumer report does not include any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 USC 1681 Section 602 A states i have the right to privacy.

15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies. It is the duty of the furnishers of information to provide accurate information.

1 ) PROHIBITION ( B ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency. If- 15 US Code 1666b states a creditor can not treat a payment on a credit card account, under an open-end consumer credit plan as late for any reason. 2021 IRS publication 4681 states '' Charge Offs '' when placed on a consumer report is defined as a gross or ordinary income. Income does not get reported on the consumer report which is in fact is what you are reporting as inaccurate information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian DELETED items of my profile as the outcome but then later ADDED them back effecting my profile. Im submitting document verifying that those items were removed and needs to stay removed. 

XXXX  also DELETED items off of my report that were not correct and Experian and XXXX  are still reporting some of these items. All these Bureuas get the same information but they have many inaccuracies on my credit report that's affecting my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.
Product: Debt collection

This is more or less an update regarding my previous complaint. So I finally did receive a debt validation letter from Revco, Solutions debt collector. However, before I received the debt validation I actually did reach out to XXXX XXXX XXXXXXXX XXXX XXXX and explained the situation. Apparently, XXXX has agreed that I never received the original invoice and as a result has agreed to remove me out of collections. They failed to send it out. That's fair enough. I can forgive them as they were honest about it. The invoice is {$160.00}. I have agreed to work out a payment arrangement with XXXX XXXX XXXX. 
I'll have to wait until next Thursday because my debt is still with Revco Solutions. The hope is by next Thursday I'll be free from REVCO Solutions collection agency. I'm sure you can appreciate that these matters can cause extreme stress. I have a lot of my plate right now and it looks like in the future I will no longer be seeking anymore medical care because if this is any indication of what can happen, I would rather go without any specialist care. From now on I will only seek out the services of my Direct Primary Care physician. My primary care doctor I pay a monthly retainer membership so there is no surprise billing. This will of course limit the amount of care I receive, but to be honest and I mean this from the bottom of my heart -- I would rather die from some future illness or disease than to deal with medical collections. So therefore I will be canceling my future XXXX and XXXX XXXX. I can't rely on insurance based care. I'll still have medical insurance but I just won ; t use it anymore. 
On the Primary level I'll just have to focus on healthy eating, exercise, and the services from my Direct Primay Care Practice. 
I don't want to die from any illness, but I just lost all faith in the insurance based system. All it takes is one person to forget to send an invoice out and then I end up in collections. Not the way I want to go.