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

**Update to previously submitted report, I mistakenly put the wrong company. I meant to complain about the CREDIT REPORTING AGENCY & the place where there is a Fraud that took place. *** I recently started to check my Credit reports after a long while of not doing it. I discovered that there was an account on my Credit Report that isn't mine. I think I may have been a victim of false identity and decided to file an ID Theft Report. This is the 2nd time I have filed an ID Theft Report which has went no where and there is no number listed to call them. The Company name where the false account is XXXX XXXX and the amount is for {$21000.00} which was opened up back in 2021. I have reached out to all 3 credit Bureaus to no avail.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

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Product: Credit card

I was send a pre approval email stating I was already approved for a Navy Federal credit card I was send a misleading email every day for months to apply, when I did finally apply I was denied.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if Eastpoint Recovery Group, Incorporated has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character. 

If your offices are able to provide proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of the deletion request shall be sent to me immediately. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the opportunity to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agrees to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any judgements obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for Eastpoint Recovery Group, Incorporated in case legal action becomes necessary. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Debt collection

I received a third party collections notice from CBE Group and I have never owed this company or the alleged creditor Charter Communications any money. CBE Group alleged I owed money from Charter Communications and they bought over the alleged debt. Neither CBE Group or Charter Communications can or has provided me with any form of a written and signed contract from me. I have had my credit stolen before and I am denying any knowledge of this debt. This in my opinion is a false claim to extract money from me and I demand this debt be erased from all credit bureaus. These companies have severely impacted all credit bureaus involving me and I demand it be removed immediately and permanently.
Product: Mortgage

BORROWER RECEIVED ESCROW ANALYSIS WHICH GAVE BORROWER 2 OPTIONS /BORROWER CHOSE OPTION BE AND SENT IN ELECTRONIC PAYMENT THAT WAS RECEIVED BY PENNY MAC OF XXXX BELOW IS THE ACTUAL POSTING FROM PENNY MAC WEBSITE XX/XX/2019 Payment {$620.00} {$0.00} {$0.00} {$1600.00} {$240000.00} THE BORROWER BY CHOOSING OPTION B WAS INFORMED THAT THE XXXX PAYMENT WOULD INCREASE TO XXXX EST WE NOTIFIED PENNY MAC THAT PAYMENT WOULD BE FORTHCOMING AND EVEN RECEIVED AND EMAIL BACK CONFIRMING PAYMENT RECEIVED.NOW PENNYMAC WANTS TO INCREASE THE PAYMENT IN VIOLATION TO XXXX!!!! THIS IS NOT CORRECT AND DEMAND IS MADE .NOT ONLY DID PENNYMAC TAKE THE ESCROW SHORTGAGE MONEY THEY ARE TRYING TO INCREASE PAYMENT TO XXXX WHICH IS ONLINE WITH OPTION A WHICH BORROWER CLEARLY DID NOT TAKE. PAYMENT SHOULD BE XXXX!! 

also the second complaint is that we prefer a paperstatement now their institing a fee if you male apyment between the XXXX and XXXX of every month if you pay online if ypour not enrolled in paperless billing.we were told by XXXX XXXX XXXX the loan originator that there will never be a fee for papestatement sand or any type of fee or penalty there of. borrowers dont have ready access to a computer, to add insult to injury penny mac has rhe gaul to do this and increase are payment unlawfully.the knickel and diming of americas middle/working class continues
Product: Debt collection

I am a victim of identity theft. I have filed all police reports, id theft affidavits and paperwork that is required under the FCRA. Synchrony bank was notified on XXXX occasions, that I never applied for, opened, authorized anyone else to open, or benefitted from the following accounts : Amazon / Synchrony Sams Club/ Synchrony PayPal/Synchrony These accounts were opened fraudulently and are not mine. I currently have a federal FCRA lawsuit in the XXXX XXXX of PA regarding the identity theft and am suing the major credit buraus. I have retained a consumer protection attorney to represent me for this identity theft. 

Synchrony bank was notified on XXXX occasions and all relevant identity theft documents were sent to them at the following address via certified mail : Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Synchrony bank responded on all XXXX accounts that they were removing them from my credit reports, closing the accounts due to fraud and that I was not responsible for the balances. 

Upon checking my XXXX credit report during preparation for my FCRA lawsuit, I noticed an XXXX XXXX made a soft inquiry on my report on XX/XX/2023. Upon further research, it has been determined that these same XXXX identity theft accounts that Synchrony was aware of, have been turned over to a collection agency ( XXXX XXXX ). 

This is illegal. I have attached the letters from Synchrony Bank proving they acknowledged these accounts were the result of fraud. I have also attached a copy of my identity theft lawsuit that is filed in Federal Court, my police report and FTC Identity theft affidavits for these accounts. I have also attached screenshots of these accounts from XXXX XXXX web portal showing they are trying to actively collect on them without regard to my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint about Unauthorized Hard Inquiry left by XXXX Card Inquiry from XX/XX/2019 and XXXX XXXX sent me and copy to TransUnion to remove this Unauthorized Hard Inquiry
Product: Vehicle loan or lease

Loan was paid off and title to vehicle was issued and received with no lien recorded. A cease and desist letter was issued after continued harassment pursued. Loan amount was {$39000.00} and {$45000.00} was paid due to interest.
Product: Debt collection

I believe the account is invalid. RECEIVABLE MANAGEMENT SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RECEIVABLE MANAGEMENT XXXX
Product: Credit reporting or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This Is a Direct Violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are Investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint. with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v.

Trans Union Corp. No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance. Please Remove all Fraudulent accounts as i have no knowledge of these accounts due to the XXXX Data Breach/ Identity theft. All is being investigated by the FTC I am also keeping the companies listed below informed of your willful noncompliance CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has committed aggravated identity theft against me for the non-consent or legal authorization to use, disclose, obtain and resell my non-public personal information my false statements and misrepresentation. Also, I filed a Identity theft report with the FTC for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor the unauthorized use of my credit card that I didnt benefit from. Experian refuses to to remove these accounts from my credit file. This identity theft report and request for removal was not made in ERROR, I did not obtain any goods, services, or money, nor is this a misrepresentation of any sort. Per 15 USC 1681c-2 you must block and remove.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXXelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN XXXXXXXX XXXX Inquired onXX/XX/XXXX
Product: Debt collection

On XXXX XXXX this company notified me that I owed this debt to them. I responded to their letter on XX/XX/XXXX to ask them to verify the debt and that I owed them, they are not the original creditor and I never received a letter from them, informing me that they were going to place this account in collection status. 
They responded to my letter on XX/XX/XXXX via email with the same collection letter and an itemized list of things. I responded on XX/XX/XXXX informing them that an itemized list of charges is not validating the debt. 

This company continues to attempt to collect debt from me, although they are not legally licensed in the state of Florida and therefore should not be attempting to can not collect any debt from me in the first place. They have damaged my credit and this has caused me to be homeless because I can not lease a place to live because of this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX XXXX XXXX : {$210.00} Due to the inaccurate information this account posts on my credit file, it has been contested. How many times do I need to mention that the payment history on this account is false? I never missed a payment when using this account. My own payment records have been kept, and what they display differs from what I have. Please update the payment history for this account by deleting the late payments from the payment records. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$450.00} In my credit report, this charge-off account is showing an incorrect balance. Why does this account continue to show with {$450.00} as balance although this account was previously a charge off? Charge off accounts should always report balance as XXXX. I've been attempting to update this inaccurate information, but you have not taken any action. I need this account to be deleted as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} I don't recall ever having a customer account with this business. Despite my repeated requests, you have not supplied me any copies of your ownership documentation. Once more, kindly provide me copies of any documents with my signature on them attesting to my ownership of this account or serving as proof of verification. If such documentation are not forthcoming, the account should be immediately closed. 

XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2019 I think that may be a violation of the Fair Credit Reporting Act, so please examine the docket number and kind of public record. Because it violates the Fair Credit Reporting Act, kindly erase this public record. 

XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2019 I want you to check the docket number and the category of public record because I believe it violates the Fair Credit Reporting Act. Due to a Fair Credit Reporting Act violation, kindly erase this public record.
Product: Debt collection

In XXXX XXXX, I spoke to Macy 's Customer Service about a {$25.00} fee on my account. They agreed to remove the fee and I paid my remaining account balance off in-full. However, Macy 's never removed the {$25.00} fee and each month additional fees were added to my account without my knowledge. ( Since I did n't make anymore purchases, and knew I paid my account off in-full, I considered the in-coming statements junk mail. ) Then, at the end of XXXX, I started getting calls from Macy 's collection department. I explained the situation several times, but continued to receive XXXX to XXXX calls a day to collect the alleged {$96.00} past due balance. In XXXX, I brought all my statements into my local Macy 's department store, but found out they no longer have Customer Service representatives in the store -- they referred me to their CS telephone and I again waited XXXX minutes to speak to someone and got nowhere. 

After complaining to the XXXX XXXX in the store 's employment office, she call Macy 's Special Collection Department and got them to remove all fees -- bringing my account to a zero balance. She asked if I could get confirmation of the adjustment, but was told, " No, it would be seen on my account. '' Now, it is XXXX XXXX, XXXX, and I already received a phone call from Macy 's Collection at XXXX this morning. Half the time when I answer the phone no one is on the other end to talk to me. Other times, I get a person and have to argue with them for several minutes in order to get them to read the notes on my account -- after which they come back on the line, confirm I have a XXXX balance, and apologize the phone call -- but the CALLS KEEP COMING!!! 

At this point, I feel I am being harassed in my own home for a debt I do not owe! I have asked them to stop calling ; and, I have written to Macy 's on-line Customer Service several times to complain, but they continue to send back the same response in which they refer me back to the collections department. I have even asked that my account be closed -- but I get nowhere! 

This situation is driving my whole family crazy! I really feel like the only way to get Macy 's Collection Department to stop calling is to pay the {$96.00}, but I refuse to do that because the entire balance represents fees on top of fee that I was told would be removed from my account -- not merchandise! 

Please help me!
Product: Debt collection

I requested a validation letter. Because I didn't signed anything or enter any contract with this company.
Product: Checking or savings account

I have been a customer with chime for 2 years. With my business dealings & personal dealings. XX/XX/2021 Chime Randomly froze my account for what they say Hi XXXX, Thanks for reaching out to Chime Member Services. One or more of the Pay Friends transfers you received has been reported to Chime as an unauthorized transfer, as a result a temporary hold has been placed on your account while our Disputes team investigates the validity of this claim. Please note : Investigations are typically completed within 14 days, but may occasionally take up to 45 days. 

Submitted ALL the documents 3 minutes after they said it was too blurry. Waited the 48 hours they said wait! NO RESPONSE. I reach out again NO RESPONSE. Everytime I call there is no option to speak to a special department only email. I have emailed 4 times & called over 10 only for chime not to say anything about my XXXX theyre withholding. 

My file was supposed to be escalated & at the current moment NOTHING has happened, getting the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

l 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 reporLl 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 1681 :! section 603 ( k ) ( b ) ( ll ) can be considered an adverse action.

Theretore lwant 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. l have provided an exhlblt of evidence showlng the Inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX