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

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I maXXXX also seek damages from you if warranted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified Experian through a dispute ( attached ) about two inquiries from XXXX XXXX and XXXX XXXX XXXX. that I did not recognize and did not authorize. I requested an investigation of this information. I received a response from Experian dated XX/XX/2020 ( attached ) which did not address the results of my dispute. I followed up with Experian with a letter dated XX/XX/2020 ( attached ) which again requested an investigation of my dispute and which also questioned whether the inquiry companies had permissible purpose to access by consumer report. I received another response from Experian dated XX/XX/2020 ( attached ) which was substantially the same response from XX/XX/2020. As far as I can tell, no investigation of my dispute was conducted by Experian.
Product: Debt collection

There is an outstanding debt of XXXX owed to Midland Funding LLC. I have made payments towards this debt up until the point I filed for divorce ( late XXXX ) and it became impossible to do so because this debt became a debt that was part of my divorce litigation. I have reached out to Midland to explain my situation and asked for a settlement/hold pending divorce and Judge 's ruling on responsible party for debt. My divorce proceeding was scheduled for XX/XX/XXXX but Covid has interrupted further proceeding. As of today, we are still waiting on a final date once the Court reopens. 

Midland has refused to consider my situation and forwarded this debt to a debt collecting law firm without notifying me or giving me an option to settle this debt pending divorce settlement. Subsequently, I received a letter from the debt collecting law firm ( XXXX, XXXX ). I have reached out to said debt collecting law firm on numerous occasion ( 4 times ) at which point no one have picked up the phone call. Approximately one month ago, I was served with a the attached summons at which point I promptly reached out to XXXX regarding my situation and explain that I can not answer this summons in Court since the Court is currently close except for essential services ( which this does not qualify for ). I explained my current financial situation in this pandemic and my pending divorce and this debt being an issue. I am unsure how to proceed with a summons that I can not answer given the fact that the Court is  currently close and this can put my credit in jeopardy.
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.
Product: Debt collection

I XXXX XXXX XXXX am who I say I am, a third party is not acting on my behalf. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. The items listed are also inaccurate and continue to be reported on my credit report as late, after the accounts were payed according to 15 USC 1692j and the agreement this is a violation of my consumer rights. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you delete these items as soon as possible as it is hindering me. I am trying to advance in my life by getting a home, obtain necessary goods for my livelihood and stabilize my family.
Product: Checking or savings account

Chime ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  gave me notice that it was closing my checking account I had with them effective the same day on XX/XX/XXXX via email. The email stated : " Once your Chime Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/XXXX to the address we have on file for you. ". On the date of closure, XX/XX/XXXX, I had a balance of {$1000.00} in the account. I have not seen that check since, despite repeated emails asking why I have not received my check. The latest email response from Chime dated XX/XX/XXXX states that " Your account has been closed by Chime and is not eligible for a refund. ". 
This is simple theft. I have tried repeatedly to acquire legal assistance in recovering the funds, but have had very little luck with getting attorneys to respond to me.
Product: Checking or savings account

Sofi bank XX/XX/year> Closed my account without any reason All of my checking and savings account
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX ( the original creditor ) Experian, XXXX and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force XXXX XXXX to update this account the representative called XXXX with XXXX while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue getting my XXXX, Early Warning and XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Loancare has been reporting late or missing payments since they took over loan servicing from XXXX. After our first complaint to the CFBP, loancare finally sent us a letter stating they misappropriated our first payment and that all late fees are waved, ( see attached ) To date loancare has not cleared our credit report, or even called us back, we can not get ahold of anyone at the number provided .... XXXX XXXX XXXX ext XXXX In addition, the late fees are showing up on our bills along with incorrect monthly Bill amount. It has been brought to our attention that loancare was in litigation and lost for this same type of situation in 2020! We expect our report be cleared of all late payments and correct billing going forward. We will seek legal assistance if this is not taken care of in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau regarding my most recently reviewed consumer report, there are unverified accounts listed. I have received mail from various companies seeking to collect an alleged debt on behalf of another company. How can multiple companies collect on the same debt? I have never heard of nor done any business with them. These companies have yet to provide any validation documentation. I found that to be odd because for one the credit bureau is to report nothing but accurate information about me. As a reference, please see the below accounts in question that must be REMOVED :
Product: Payday loan, title loan, personal loan, or advance loan

in accordance with the fair credit reporting act XXXX account has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a cunsumer reporting Agency can not Furnish a account without my written instruction.

15 USC 1666B-A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose .....
Product: Student loan

I made a settlement agreement with XXXX XXXX XXXX XXXX XXXX law firm that is managing my two charged off accounts XXXX and sent two cashier 's checks for {$2500.00} each. I was informed by a couple of XXXX XXXX XXXX representatives my checks were received. I called XXXX XXXX XXXX today to ask if they were able to expedite their process when it comes to contacting the original creditor ( Navient ) to confirm payment has been received. One of the representatives confirmed XXXX XXXX XXXX had already submitted that information to Navient as they upload information daily to this company. I contacted XXXX XXXX, consumer advocate for Navient, and he was able to submit my request to expedite the process on XXXX XXXX to report to the three credit bureaus. I was told my XXXX, XXXX XXXX XXXX has a 30 day policy. My payment has to be cleared in their office for 30 days in order for them to assure the funds are received and cleared. I asked XXXX XXXX XXXX today and one of their representatives told me this applies to clients that have judgements against them. The representative then stated I would n't have to wait the 30 days since they upload information to Navient daily and Navient is aware my funds are received and cleared. I then contacted XXXX XXXX by email letting him know of my findings. He then replied back " Dear XXXX XXXX, Unfortunately, we are unable to expedite the process any further. '' I asked " why not '' and have not received any replies yet. I am exhausted with this process! I have done everything XXXX XXXX XXXX and Navient have asked! I do n't understand why they were harassing me so much about these accounts and now that I 've settled, they do not want to deliver their part of the deal! This is not my first complaint with them!
Product: Mortgage

We are selling my deceased mother 's home and are trying to pay off the balance. We have asked for final amounts. Some of the fees that are being included were hidden in balance amount without being disclosed ( {$750.00} appraisal fee ) and others are very vague/unnecessary ( Title report fees of {$320.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Credit card or prepaid card

I have requested a copy of the " on-line application '' that was used to fraudulently open a Visa Credit Card with Synchrony Bank BP in my name without my permission. I am a victim of Identity Theft. The fraudulent person opened a line-of-credit ( credit card ) via the Internet " on-line '' on XX/XX/XXXX with SYNCB/BP DC, for {$6000.00}. They charged {$7900.00} on the credit card. I have contacted the credit agencies, filed a police report and filed an Identity Theft Report with the Federal Trade Commission.  The identity theft was brought to my attention on XX/XX/XXXX and I have been trying since XX/XX/XXXX to get a copy of the fraudulent " on-line application. '' Synchrony Bank has dragged their feet and have not sent me the " on-line application that I requested. In addition, they are required to send me any documents or information that was used and/or uncovered during the process of them investigating this fraud. I have not received any documents or information them. Summary : 1 ) I need a copy of the fraudulent " on-line application '' ; 2 ) copies of any documents or information uncovered during the investigation of this identity theft claim.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, yet XXXX XXXX XXXX is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA XXXX ( 15 U.S.C. XXXX ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have recently entered into the loss mitigation program my mortgage company XXXX XXXX COVID-19 related hardship, including a payment forbearance program made pursuant to the Coronavirus Economic Stabilization Act, section 4022 ( 15 U.S.C. 9056 ) ; it also includes, without limitation, all other principal and interest payments that are due and unpaid by a borrower experiencing COVID-19 related hardship. For purposes of this paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ), the term of the mortgage loan means the term of the mortgage loan according to the obligation between the parties in effect when the borrower is offered the loss mitigation option. ( 2 ) Any amounts that the borrower may delay paying as described in paragraph ( c ) ( 2 ) ( v ) ( A ) ( 1 ) of this section do not accrue interest ; the servicer does not charge any fee in connection with the loss mitigation option ; and the servicer waives all existing late charges, penalties, stop payment fees, or similar charges promptly upon the borrowers acceptance of the loss mitigation option. ( 3 ) The borrowers acceptance of an offer made pursuant to paragraph ( c ) ( 2 ) ( v ) ( A ) of this section ends any preexisting delinquency on the mortgage loan.XXXX  XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an XXXX  affidavit to have inaccurate information removed from my account. The information was reinserted in my file and now they will not allow me to re-dispute. They refuse to open a dispute, telling me it was verified with the creditors but the date of verification is reporting in the past. They will not provide me with the means of verification. I have contacted the creditors and asked for proof that it is mine, a signed application or agreement. They have told me that they are unaware of these accounts and can not provide me with proof. I have relayed this to Experian. i am currently on the phone with Experian and they are refusing to allow me to speak with a manager. I was told one would call me back, I have asked for a call back on my last 3 attempts with no contact. The accounts i am requesting be removed are : Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$2100.00} Status Updated XX/XX/2019 Account Name XXXX XXXX XXXX XXXX Account Number XXXX Balance {$5300.00} Status Updated XX/XX/2019 Account Name XXXX XXXX Account Number XXXX Balance {$0.00} Status Updated XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment notation reported on my credit file by TransUnion for the XXXX XXXX  account ( Account Number : XXXX ). Despite multiple requests for correction submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the erroneous information has not been addressed. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 
Account Details : Account Number : XXXX High Balance : {$2500.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Payment Status : Current Creditor Remarks : Closed Nature of the Discrepancy : TransUnion is reporting a 30-day late payment for XX/XX/XXXX. This information is inaccurate and unsupported by evidence. The account history shows consistent and timely payments prior to the account being closed on XX/XX/XXXX. Moreover, XXXX and XXXX do not report any late payments for this account, further highlighting the inaccuracy in TransUnion 's records. 
FCRA Violations : 15 U.S. Code 1681i : TransUnion has failed to conduct a reasonable reinvestigation of my disputes, as required by law. Despite my repeated requests, the inaccurate late payment remains uncorrected.

15 U.S. Code 1681e ( b ) : Credit reporting agencies are obligated to maintain maximum possible accuracy in their reports. The inclusion of this erroneous late payment violates this requirement.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes accurate and timely disclosures to consumers. The inaccurate reporting of a late payment has caused undue harm to my creditworthiness and misrepresents my payment history.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act mandates timely and accurate statement disclosures to prevent unfair penalties to consumers. The late payment notation contradicts this mandate and has adversely affected my credit standing. 
Impact of the Error : The false reporting of a late payment for XX/XX/XXXX has negatively impacted my credit score and financial opportunities. This erroneous information has caused unnecessary distress and potential financial harm.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation that this correction has been made. 
Assurance that all future credit reporting for this account will be accurate.

I am attaching relevant evidence, including account statements and correspondence, to substantiate my dispute. If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. Additionally, I reserve the right to pursue legal action to protect my rights under the FCRA and TILA.

Thank you for your prompt attention to this matter. I look forward to your resolution and written confirmation within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

XX/XX/XXXX- SUV Reposessed by XXXX XXXX XX/XX/XXXX- Judgment placed against me by Fein Such and Crane LLP on behalf of XXXX  XXXX for Balance of Original loan less sold value, plus interest XX/XX/XXXX- XX/XX/XXXX Garnishment From wages to pay balance XX/XX/XXXX -  Called Fein Such & Crane stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. Fein Such and Crane stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XX/XX/XXXX. 

Ive sent requests in writing to XXXX XXXX, and Fein Such and Crane for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with XXXX XXXX who said I needed to speak with Fein Such and Crane on the matter. Fein Such and Crane could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XX/XX/XXXX, they have taken almost {$600.00} in additional garnishment.