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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXXl Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I received an email from Credit Karma Spend stating my account was locked. I received another email 6 minutes later stating my credit karma account was deactivated. I contacted customer service to see why. I explained that my money was in the account ( my tax return ) and I needed to access my funds. The representative who refused to give a name stated someone will reach out by the end of the day via email. No one reached out I called back and asked how could I access funds as I needed to ensure I had the money to pay my bills and feed my children I explained Im facing eviction and possibly bigger problems if I can not feed my children. The rep who refused his name stated he would notate it in the system and someone would email me, he also explained he put a ticket in. When I asked for the ticket reference number he stated he was unable to provide me with such thing. Ive been calling for days trying to obtain my funds thats rightfully mine. Im just at a lose right now especially due to the fact I can not feed my children. They are keeping my money with no explanation.
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. Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX / XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name:XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX, 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

This is dictation from my phone. This man immediately called and asked for my supervisor, and after I denied him he became abusive in language. I asked the man to prove to me that I owe this debt with a letter in the mail. He said ok then started threatening me with legal action. ... ... .Hi  XXXX   XXXX  this is  XXXX  . _______ gav e him up with you here maybe a few minutes ago in regards to case number  XXXX  again  XXXX   I contacted yo u on behalf  of CFS in  regards to this matter um before you decided to disconne ct _ call um I was tryi ng to make you aware of it to let you know that it does require your immediate attention I 'm at this time ________ you have _ within  48  hours to contact __ office or you can ha ve a 10 _____ the attorney that you stated that you have you can have him contact ____ office on your behalf before we ___ forced to make a final decision which may result in a civil suit bein g filed under your name and Social Security number  ____ ___ ______   __   XXXX  I 'm at this time you have within 24 hours to comply I can be reached at  XXXX   one _______  reference  XXXX  so we will be sending you over ___ correspondence that you need __ to your payroll  ___ resources  department ___ it 's going to come from my administrative assistant
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages.
Product: Checking or savings account

This is a follow-up complaint to XXXX which was closed without investigation, only comments from Wells Fargo. With the recent fines levied against Wells Fargo for improper banking practices, I want it noted that I had to take Wells Fargo to small claims court to recover the funds that were not reimbursed from me when I was a victim of ATM fraud in another country. I won the small claims lawsuit and was reimbursed and immediately closed my bank accounts that I held with them for 10 years. They should have protected me during this fraud activity and didn't and refused to reimburse me for the loss. I literally had to resort to suing to get my money back. I want it noted for the record since they have recently been caught for improper and illegal banking practices. My case is another example.
Product: Credit reporting or other personal consumer reports

My car payment is every day on the XXXX of each month. On XX/XX/year> I made my payment, which was a payment on time. This payment was correctly reflected on my account statement. However, GM Financial bank processed the payment on XX/XX/XXXX. Which indicates that I supposedly paid out of time. This generated a report on my credit report that I paid XXXX  days late when that is not true. The bank explained to me that even if I paid on time, I should have taken into consideration the banks ' possible payment times. Something that is not stipulated, they also indicated that they received the funds on XX/XX/year>. When my account bank statements that I sent them via fax showed the payment on XX/XX/XXXX on time and no more charges on other dates later. I am in the process of entering the XXXX XXXX as an XXXX for a special XXXX XXXX XXXX XXXX XXXX and I explained to them that this error would delay my security clearance process. They told me that it could be a system error but that they could only notify the XXXX system and resolve it in the future.
Product: Credit card or prepaid card

I was asked by chase over the phone if I did transactions on my credit card I went through them and i didnt do any of them for a old credit card i didnt use and I told them I disputed when they called and they still have not taken the disputed amount of XXXX off with them that i disputed that day when chase called me.these transactions where done in a different country I wasnt in and IP address they said. I didnt use that IP address not from my internet provider
Product: Credit card or prepaid card

My promotional purchase expired on XX/XX/18 after two years of purchase and my balance went more than double in just one billing cycle ( from XXXX to XXXX ). When I realised the promotional purchase expired I offered to pay off the ballance and remove the charge, but I was told that is not an option. The reason I was tols is that interest calculated back to the purchase date and can not be removed. Then I offered to pay only the remaining balance with interest, but that was also turned down. When I was trying to communicate this via email, my next billing came and I made my next payment on the due date after I received the last correspondence email. But, again I charged late fee and the reason was I did not pay by XXXX XXXX on the due date. I called customer service and tried to explain the situation and I could only get back half of the charge. I got upset on this and tried to write review on the internet and saw a lot of complain on XXXX XXXX and that is when I decided to submit this complaint. I have dealt with several credit card companies and they were somehow willing to help or make some deals, but none of that happen in XXXX XXXX. Their fees are so high and not willing to help their customers. With these much complaints from their customers I believe something has to be done to address their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection in the amount of {$68.00} partial account number XXXX. ( Please see page 7 of the attached credit report. ) There is no contact information given for the collection agency ; no telephone number and no address. There is no way to show that this collection belongs to me. This is a Fair Credit Reporting Violation and this line item needs to be removed from my credit report. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

My divorce was finalized in XXXX- please see uploaded XXXX. My ex-husband was responsible for the mortgage, payments and removing me from the loan. 
Unfortunately, he never removed my name, in from XX/XX/XXXX through XX/XX/XXXX, he stopped making mortgage payments and the XXXX was forced to close and go into collections. 
This is reporting to my credit report now as something I did, when I wasn't even entitle to the house or even had possession. XXXX XXXX hasn't been helpful through this process as the account is closed and they are saying there is nothing they can do, but I have moved on and am trying to purchase a new home for my family and I can't because of his negligence. 
Please see the attached Judgement of divorce - I had no rights or responsibility to the repayment of this loan and the lates that he caused should not be inhibiting me to move forward when this was signed by a judge into order in XXXX.
Product: Mortgage

I-have-been-going-through-the-Loan-Modification/Partial-Claims-Process-for-3-years-now, and-U.S.Bank-Home-Mortgage-and-I-had-already-reached-an-agreement, I've-done-all-they've-asked-me-to-do-and-beyond-I-was-sent-the-same-agreement-3, if-not4-times-along-with-my-agreed-payment-of-XXXX-each-time-and-all-months-inbetween-and-now-U.S.Bank-Home-Mortgage-says-my-Mortgage-is-more-and-they-sent-me-the-wrong-paperwork?! -I-received-more-paperwork-in-the-mail-and-it's-the-same-paperwork-I-filled-out ( more-then-once ) -3-years-ago-when-I-started-the-whole-loan-modification-Partial-claims-process! -It-looks-like-the-Bank-wants-me-to-start-all-over.-We've-already-reached-an-agreement ( XXXXmonthly-and-HUD-took-over-my-deliquentcy-amount ) -U.S.Bank-Home-Mortgage-is-breaking-the-agreement.Please-review-attached-documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield is on my account is incorrect on my credit report
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeApartment XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX Resident typeSingle family XXXX XXXX  XXXX XXXX  XXXX, FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Resident XXXX family THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a document to XXXX and XXXX to credit bureaus to request a completed signed agreement between myself and creditors listed on my credit report. The document stated I would receive a response in 30 days. It has now been 30 days and no response
Product: Credit reporting or other personal consumer reports

XXXX XXXX : A thief was able to pose as me and gain access to my credit bureau accounts. He changed my contact information and removed my credit freeze. He gained my credit report from all three agencies. At XXXX he charged my credit card on file to upgrade my account for more access. 

XX/XX/XXXX - today ( XX/XX/XXXX ) : I have called to change the contact information back and reinstate the freeze at all three credit agencies many times. And added a fraud alert multiple times. The thief continues to be able to remove the freeze and fraud alert. 

XXXX and Experian have my account 'locked down ' during their investigation, meaning I can not access in real time who is making inquiries or check the status of the credit freeze and fraud alert. I do not get any notifications when they are removed. So effectively they have helped the criminal get away with stealing if he ends up being successful. ( For example, I called Saturday and the freeze and fraud alert was removed so I reinstated them. He removed them again Sunday, so I called this morning Monday and reinstated them ) The agents just keep putting it on my account but state there is nothing else they can do to prevent it from happening. 

The documentation I sent in will close my account and reopen with a new account number? But that information is not needed to lift the freeze and fraud alert so I'm not confident the action plan they have in place will prevent theft. And in the mean time there is nothing else being done to protect me or the banks/credit institutions. 

XXXX closed my online account after I changed my username and password but it didn't make a difference he continues to update my contact information and remove the freeze and fraud alert.
Product: Checking or savings account

Pnc bank cashed a check that was stamped void, incorrect signature, check number not existant, no watermark, and for a company that does not exist and they are telling me i need to wait XXXX  days so tey can " investigate when clearly its fraud and should never have been cashed in the first place
Product: Checking or savings account

I only have one checking account. 
My checking account is with XXXX XXXX in XXXX XXXX Texas. 
I do not have a joint account with anyone. 
I have a single savings account. 
I have a single checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need XXXX to verify how they are reporting this account as verified when I called NCA myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from XXXX. 

I dispute this account under 15 USC 1692g validation of debts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( s ) : XXXX CARD ( acoount number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the rights 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: Mortgage

Specialized Loan Servicing ( SLS ) is attempting to enforce a XXXX XXXX Mortgage to foreclose on our house. 

The {$130000.00} second mortgage was originated under duress in XX/XX/XXXX as part of the early fall-out of the impending housing crisis -- we were among the first victims to get stuck. The mortgage was designed to be a bridge loan until our previous house sold ; but the bridge loan failed, and we were stuck paying an extra $ XXXX for our housing payment. 

After paying the loan for five years, our first mortgage adjusted up {$1000.00}, and we were no longer able to afford payments on the second mortgage. We sought out legal counsel, and we were told that we should stop paying the second mortgage since our house was about {$200000.00} under water. When we stopped paying the second mortgage in XXXX, SLS accelerated the loan and threatened us with foreclosure. But they never filed Over the next decade we received occasional notices that our loan had been bought by another entity, and we received two more additional threats of acceleration and foreclosure -- the most recent was last spring.

SLS filed foreclosure proceedings against us late last year, and has forced us to declare bankruptcy.

We believe that SLS should not be allowed to enforce this lien against us since the loan was originated under duress and since they neglected to enforce any action against us for more than a decade.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and notice their was a several accounts XXXX, XXXX  XXXX XXXX, XXXX XXXX   INQUIRES : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file that I have no knowledge of. I have called the companies and file several dispute with the credit bureau. I have also file a police report, Identity theft report and put a security monitoring on my credit. The credit bureau still refuse to remove these account with receiving all supporting documents
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/XXXX.