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

Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX  asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.
Product: Mortgage

On or around XXXX 2015 I was advised by a Chase banking representative that I could " save on my interest rate costs by paying bi-weekly or refinancing. '' I began making payments in amount of approximately half my mortgage payment due ( XXXX-XXXX every other week ). I continued to make such payments for the next 2 months approximately until I began getting calls by Chase servicing about my " late payments. '' They explained then that bi-weekly payment was not an option. I inquired as to the amount due then to get the monies Chase was placing in an " unapplied funds account '' to my mortgage, which was {$1600.00}. I advised Chase I 'd make immediate payment ; I did ; they finally credited that amount several weeks later around XXXX XXXX ... .causing me to be 30 days late. Due to erroneous advise at Banking ctr, I have called Chase Private Banking dept./Cust Care to reverse the negative credit reporting which they denied, stating I have to get a sworn affidavit from the branch confirming they in fact gave me bad advice. This is preposterous for several reasons.Please ensure my credit is respired as I have taken a major hit to my FICO once again due to non-compliant Chase Servicing practices and am being denied credit to other areas of my personal life. I have roughly XXXX % equity and a strong payment history having owned this home for 17 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX  SS # XXXX My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again.
Product: Credit card

Since XXXX I have been an account holder of a JC Penney credit card and since XXXX a Care Credit account. I have never been in default or delinquent since being a card holder. Even in a time of unemployment XXXX I made the minimum payment. I became employed in XXXX of XXXX, and still paid on time and used my credit card wisely. Although it has been a struggle living pay check to pay check I am a responsible card holder. JC Penney I had a XXXX credit card limit But in all the years as a card holder my balance remain manageable around XXXX. Care Credit was used in putting my ill dog to sleep and saving my cat 's life with emergency surgery. I have also used it to purchase my contact lenses. ( I have paid down a the XXXX balance I owe at the time of those XXXX emergencies involving my dog and cat ). During the period of unemployment I incurred unsecured debt for survival as many Americans like myself. I took steps to save my home and now to settled on some credit cards to start over. I enrolled in a Credit Card Settlement program XXXX out of XXXX XXXX California. ( I have already settled on XXXX credit card account ) OF course this action to settle XXXX of credit card debt affects the Credit Score. So my score dipped from XXXX to XXXX. On XXXX XXXX, and XXXX XXXX I received XXXX separate letters from SYNCHRONY BANK XXXX referring to my JCP account and the other Care Credit that due to my credit score and delinquencies they were lowering my credit limit on the credit cards. JCP up to {$100.00} to my balance and Care Credit in half. I feel these actions reflect a false impact on my credit score. Giving the appearance that I am in default or UP TO MY CREDIT LIMIT on both cards which I am NOT. The letter states " they are basing their decision on my entire credit history not solely your history with SYNCHRONY BANK ''. These actions I feel are unjustified and Have nothing to do with my other credit card account in the debt settlement. Further I feel that SYCHRONY BANK by these actions is putting my health at risk and my pets health at risk by constraining my use of my Care Credit account. Since, I am a XXXX enrollee I rely on this card for EYE CARE, DENTAL CARE AND PET CARE. JCP, after 36 years I can no longer shop at this department store after SYNCHRONY BANKS damaged my relationship by giving the appearance I am UP TO MY CREDIT LIMIT!!. I HAVE Done nothing wrong. SYNCHRONY BANKS action is totally unethical. PLAYING with people 's lives and their livelihood. I am not in default and Have AS A Consumer I feel that SYNCHRONY BANK is not serving in the best interest of customers. It sole purpose is deceive and gain monetarily off the backs of hard working customers. I expect restitution and restoration of my credit limit on both accounts.
Product: Debt collection

FRANKLIN COLLECTION SERVICES is reporting a collection on my credit report that does NOT belong to me. Numerous attempts to request Franklin collections to validate this account were ignored and instead they are now calling non stop and demanding personal information instead of proving to me that they have the right person they are trying to plug in the ss # and other sensitive data of a consumer which they don't have in first place. Don't they need to be a law firm to  threaten to send sheriffs to the house and why are they allowed to call at 4 or 5am. this is a total violation of FCRA AND FDCPA ..
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I placed an order their website for {$2500.00}, transferred the amount through my Chase Bank Business account on XXXX XXXX XXXX and they cleared the transfer and after that I started contacting about the shipment but they never replied even after numerous emails. 

That the time I called Chase Bank if they can reverse the payment I made since they already have all the details of the transaction, they said they cant help me because its an approved transaction. Even after explaining what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute and request the immediate removal of several accounts on my credit report that are inaccurately marked as charge-offs due to identity theft. I have recently become aware of this fraudulent activity, and I am taking prompt action to rectify the situation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I have attached supporting documentation, including a copy of the identity theft report filed with the appropriate authorities and any other relevant information. This documentation serves as evidence of the identity theft and supports my request for the aggressive and immediate deletion of these erroneous charge-off entries. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are required to conduct a reasonable investigation into any dispute within 30 days of receiving the dispute. Given the nature of identity theft and the potential harm it can cause to my financial well-being, I request that you expedite this process and take aggressive measures to remove the fraudulent charge-off accounts from my credit report at the earliest possible time. 

I kindly request that you provide written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. Additionally, please ensure that my updated credit report is sent to all entities that have received my credit information within the last six months. 

Your immediate attention to this matter is crucial, and I appreciate your prompt assistance in resolving this identity theft issue. If you require any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$580.00} XXXX XXXX XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Wells Fargo unnecessarily delayed a XXXX transfer.
Product: Debt collection

I got a letter from a collection agency saying that i own the sum of XXXX dollars.i sent a validation letter. They responded by sending me the same invoices and report to the XXXXonsumer reporting agencies to be listed as disputed. i am trying to buy my first home .this could stop me by buying my home.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXXXXXX XX/XX/year> LVNV Funding, XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX Subject : Cease and Desist Communication Regarding Alleged Debts To Whom It XXXX  Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am writing to formally request that you immediately cease and desist all communication with me, including phone calls, letters, emails, or any other form of contact regarding the following accounts : LVNV Funding LLC XXXX Account Number : XXXX XXXX Account Number : XXXX LVNV Funding LLC XXXX Account Number : XXXX XXXX Account Number : XXXX I dispute the validity of these alleged debts, and I request no further contact from your organization or any representative associated with it. 

Please be advised that this request does not authorize you to report false information to any credit reporting agency. Additionally, this communication serves as a formal notice that any continued attempts to contact me regarding these accounts may constitute a violation of federal law, subjecting you to potential legal consequences. 

Send all future correspondence, if any, regarding these matters to me in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Today I received a collection letter from my mortgage company, Mr.Cooper. They want me to pay them {$620.00}. Where they came up with this number eludes me. I was told by a Mr.Cooper representative this was an attrition, escrow shortage and also required by RESPA. She told me there had to be a minimum balance in my escrow account. Federal Laws. No federal law mandates that lenders must open mortgage escrow accounts for borrowers or keep a minimum amount in this account Also The Department of Veterans Affairs does not require escrow to be used, but many lenders do.. However, the Real Estate Settlement Procedures Act permits lenders to require these accounts at their discretion. Mr Cooper took over my loan on XX/XX/XXXX. I was with XXXX XXXX previously. During the XX/XX/XXXX year they deducted {$66.00} per month for 12 months. On the XX/XX/XXXX my insurance premium went up {$6.00} per month which meant for 5 months i underpaid {$30.00}. When Mr. Cooper billed me for XX/XX/XXXX there escrow only collected {$66.00}, which meant I was now in arrears of {$37.00}. I am more than happy to pay this amount which would bring my account current. I will not pay {$620.00} Still don't know where this figure would come from unless an error was made internally at Mr. Cooper and they expect me to pay for it
Product: Credit reporting or other personal consumer reports

XXXX XXXX  - ACCOUNT OPENED FOR {$1100.00} ON XX/XX/2021 XXXX XXXX-ACCOUNT OPENEED FOR {$290.00} ON XX/XX/2021 I HAVE ADVISED THE COMPANY THAT THESE ARE NOT MY ACCOUNTS AND IHAVE PLACED A DISPUTE ON ALL OF THE CREDIT BUREAUS AND THEY ( EXPERIAN AND XXXX HAVE SAID THEY SPOKE WITH CREDITOR AND CHARGES ARE VALID. I HAVE ASKED THE BUREAUS TO PROVIDE PROOF AND THEY HAVE FAILED TO PROVIDE ANY INFORMATION
Product: Checking or savings account

I currently bank with SoFi Bank and I recently received a refund in the form of 2 checks from the government for a student loan. I tried to deposit my refund checks {$2700.00} and {$55.00} by mobile deposit on XX/XX/year> and was told my check XXXX were fraudulent and I was in violation of member service agreement. XXXX at no point in time asked me any additional information regarding verification of my identity or validity of the checks and decided to close my account XXXX is withholding my money and has given me no response to how I can withdraw what was in my account prior to the situation at hand
Product: Credit reporting or other personal consumer reports

I have a credit builder account with Kikoff that I pay monthly for positive reporting to the credit bureaus to increase my score. My credit report is showing that my Kikoff balance increased, which dropped my score several points. This is not the first time Kikoff has made a mistake and reported negative/incorrect information to the bureaus and temporarily decreased my score. his needs to be corrected asap, as I dont pay for this service monthly to have my credit score decrease.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following creditors have 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. 

Company name : XXXX XXXX XXXX XXXX Credit Control Service
Product: Money transfer, virtual currency, or money service

A partial credit that was issued via XXXX is XXXX for a hotel room in XXXX keeps being charged back to me. 
I never was able to go to XXXX XXXX XXXX XXXX at the last minute. 
I am charged for cleaning fees and other miscellaneous fees for a room that I was never in. 
XXXX seems not to eat to be bother or accept any responsibilty.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : Account Name : Freedom MTG Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX to XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent address 's and account. XXXX XXXX XXXX XXXX IS REPORTING FRAUDULENTLY AN AUTO LOAN IN THE AMOUNT OF XXXX ON XX/XX/2018 TO FRAUDULENT ADDRESS 'S THAT I HAVE NEVER LIVED AT! 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 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. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX has published an account they have of mine on Experian, XXXX XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.