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

I have requested my credit report since  XXXX  stil l have't r eceived and on the  XXXX  still have not receive it them
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 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
Product: Credit reporting or other personal consumer reports

These accounts, XXXX XXXX and XXXX XXXXXXXX do not belong to me and are closed, so they must come off. I also said that XXXX XXXX  XXXX ( late payment ) and XXXX XXXX XXXX XXXX ( late payment ) have never been late and must be updated. I also did not open any new XXXX  loans in XXXX XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX, so that also needed to come off of my report. These both have the same account number and are for the same amount. This appears to have been opened in XXXX. There is a collection on my report from XXXX XXXX XXXX XXXX. They are reporting negatively on my report, and I wanted them removed. The only response I received was that someone would call me back. I never got a call back ; it was only a notification that the information was correct. I have not applied for new cards or accounts, but I see XXXX forms for XXXX. 

My correct address is not listed on the report ; a few other addresses are deliverable and belong to someone else. I told them all its information, and they have done nothing. Meanwhile, I still get alerts that my information has been compromised. All of this needs to be corrected as it Is causing me undue stress and hardship.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Urgent Formal Dispute Against LVNV Funding for Fraudulent Collection Practices To Whom It May Concern, I am writing to file a formal dispute against LVNV Funding for what I firmly believe is an attempt to commit fraud in their collection practices regarding a debt that was already settled. 

On XX/XX/year>, I and with the help of XXXX XXXX XXXX  reached a clear and enforceable agreement with XXXX XXXXXXXX XXXX XXXX. Acct # XXXX to settle the debt for the amount of {$1200.00} to an agreed upon amount of {$580.00}. I have upheld my end of this agreement by making all required payments on time. However, despite this, LVNV Funding has the audacity to contact me recently seeking a different total amount, specifically {$1200.00}. This egregious and unlawful behavior is completely unacceptable. 

This attempt to collect a different amount is not merely an error ; it feels like a blatant attempt at fraud. LVNV Funding is attempting to deceive me into paying an unjustified debt that is far beyond what myself, XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXXXXXX. have reached. Such actions are a violation of the Fair Debt Collection Practices Act ( FDCPA ) and can not be overlooked. 

I demand that delete ALL tradelines reporting on my credit report, and LVNV Funding to cease any further contact regarding this incorrect amount immediately. I also expect a full investigation into their unethical practices, as this behavior undermines the trust that consumers place in debt collection agencies. 

Enclosed are copies of relevant documents for your review : 1. The original settlement agreement evidencing our agreed amount with XXXXXXXX XXXX XXXX  XXXX. 

I refuse to be a victim of LVNV Funding 's deceitful tactics. I urge your office to take swift action against LVNV Funding to protect consumers like me from their fraudulent actions.

Failure to cooperate and remove all reporting tradelines will force my hand to seek to the assistance from an Experienced Consumer Protection Lawyer to seek damages. I also will go as far to report this attempt at fraud to my state Attorney Generals office in my state and report this to all news media outlets. 
As a result of this incomplete and inaccurate reporting, I am requesting a fine of {$1000.00} for the non-compliance with the FCRA regulations that protect consumers like me. 
Thank you for your immediate attention to this pressing matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I took out a 30 year mortgage with my bank, XXXX approximately 19 years ago. I refinaced to a 15 year mortgage approximately 10 years ago. Since then XXXX has sold/transferred my mortgage to Nationstar who became, as i understand it, Mr. Cooper. In XX/XX/year> I paid off my mortgage. On XXXX XX/XX/year>, Mr Cooper sent me 2 checks. One for excess funds in the amount of {$240.00}, the other for escrow account refund in the amountof {$3000.00}. I deposited them both electronically, at the same time to my bank ( XXXX ). The {$240.00} check went thru, but the {$3000.00} was returned. I called my bank to ask why, and was told the only explanantion they had was that the check was " NOT AUTHORIZED. '' I called Mr Cooper, but could not make my way thru the automaton/teleprompt to get an answer. On XXXX XXXX I received a letter from XXXX ( attached ) explinig that the check was " NOT AUTHORIZED '' and to resubmit a paper check via XXXX XXXX. I did this, an again it was rejected. 
I've contacted Mr Cooper several times, and battled with their teleprompt/automaton to get a live agent on the phone... with no success. Ultimatley I have " chatted '' with agents at least three times. Every time the agent wrote that the payment is authorized and has been sent to me, and that they don't understand why I haven't received it. I have attached a trascript of two of these " chats ''. The " chat '' on XXXX XX/XX/year> had " XXXX '', the agent assuring me the check would be received by me no later than XXXX XXXX. On XXXX XXXX after my mail was delivered ( with no check ), I tried calling again ... to no avail, so I " chatted '' with another agent who assured tmeth echeck had been issued on XXXX XXXX, and that perhaps it was delayed in the mail because of the Independence Day holiday. As of today, XXXX XXXX, I still have not received my escrow refund. I have never been late or missed a mortgage, tax, or insurance payment with XXXX, NationStar or Mr Cooper!
Product: Credit reporting or other personal consumer reports

I noticed billing discrepancies on my credit report, specifically late payments that aren't in line with my normal record. Kindly correct these errors and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXX .... 
Balance : {$5300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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 An 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: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My credit report has errors in relation to 15 USC 16c-2. The inquiries were not authorized by me and are causing damage to my credit. Please remove all unauthorized inquiries. Thanks
Product: Vehicle loan or lease

I am a service member that just received orders to deploy. I have a car lease with XXXX XXXX. I contacted XXXX XXXX XXXX to invoke my SCRA Benefits to terminate my lease early and followed their instructions to e-mail my XXXX   to their SCRA Department. I did as required. I have been contacting XXXX every day for 7 days and have re-sent my XXXX  multiple times and they still do not acknowledge them and tell me that their SCRA department does not have a phone number and there is nothing they can do for me. I leave on my XXXX this weekend and this is still not resolved. 

Please help me. I have no one who can take care of this for me while I am gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXXXXXX XXXXt as well.
Product: Credit card or prepaid card

A credit card has not been open but there was no other category for me to report this issue. Since XX/XX/XXXX 2016 to present, there have been repeated attempts through Amazon.com to open a Chase credit card in my name. The request is not approved as more information is being requested and because I already have an Amazon Chase card. The problem is that I must call several times a month every time I get a letter, go through the whole process, reopen a fraud alert, and neither Amazon or Chase have changed their process. I am told by the fraud folks at Chase, this is a known issue and they are waiting on a fix but in the meantime I must call every time, have the request to remove from my credit report, and extend my fraud alert. Both Amazon and Chase should know this is repeated against my name and Social and advise the person requesting that the request can not be open and to call a special toll free with Chase fraud or Amazon. I should be sent notification that another attempted occurred, no action needed, and they have me protected.
This should n't be that difficult to flag my SSN and since I do have a fraud alert, why does n't Amazon oor Chase change what they have communicated to me or the person requesting the card. In addition, I have moved and the notices from Chase are sent to my old address since that is what the fraudster is using for the new applications. This shows a clear lack of agility by Amazon and Chase to handle the increasing fraud attempts. While I am happy that no card had yet been issued, if I did not already have a card with Amazon Chase, and if I was not calling every week to close out new requests that one would have been issued.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you have followed all applicable laws and regulations in your reporting. Therefore, I demand the removal of all negative and adverse remarks associated with these accounts. 

The inaccuracies involve the following accounts : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> Status : Collection with a balance of {$620.00} XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year> Status : Collection with a balance of {$140.00} As you know, it is against the law to report any information that is not proven accurate. I demand that you provide me with concrete evidence of my obligation to the aforementioned accounts. ( If these matters have been properly taken care of, please disregard this letter. ) Please also be aware that I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft. As such, I request that you remove these accounts from my credit report immediately, as they are fraudulent and negatively impacting my credit score. 

If you are unable to provide the necessary documentation to validate these accounts, I expect all negative remarks to be removed from my credit report immediately. Please confirm in writing once these changes have been made. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

" Gulf Coast Collections Bureau '' called to collect a debt. I had missed the phone call, so when I called back the representative would provide no information on the reason for the call. I was asked repeatedly to verify personal information. I stated that I was uncomfortable verifying personal information over the phone to an unknown party with no stated reason for calling. Representative disconnected the phone. 

I called back a second time and a representative picked up the phone and said " XXXX '' and disconnected the phone. 

I called back a third time to speak with a supervisor who refused to provide me the reason for the call and again asked me to verify personal information. 

No professional license number was provided by the supervisor nor was the reason for or the 3rd party for whom said debt was being collected. 

The supervisor suggested that I request to be placed on a " no call '' list which i interpreted as a manipulative way to threaten my credit rating. If a debt were legitimately being sought after, this would most certainly damage my credit.
Product: Mortgage

My Mortgage has been sold for the second time since I purchased my home in XX/XX/2007 {$240000.00}. XXXX recently sold my mortgage to Select Portfolio Servicing. My Original loan amount and interest rate has increased to {$240000.00}. My mortgage debt with SPS does not reflect any previous payments made to XXXX XXXX. This looks as if I just opened this loan. I feel that I am a part of a Mortgage selling scam and I'm stuck with an increased debt that I never approved. I am asking for a full investigation of my current and previous Mortgage holders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX as well as the credit reporting agency on several occasions requesting verification, the method of verification, as well who completed the verification. I have made the request on several occasions in writing. I have also requested this company to complete an investigation into this matter on several occasions in writing as well. the Company. In my request I have asked this company to investigate, verify, validate and provide me with specific information that supports the information reported and the company only sends me a reply stating they investigated and verified the information but has FAILED to provide me with who completed the verification/validation, what was used to verify/validate the information, yet they have continuously reported the information on my report. The companies most recent response to my request was no different than its 3 previous responses.. I have disputed this matter on several occasions and due to the fact that this company has already violated my rights and ignored all previous requests that I have made in writing and have even not even responded but did not complete the request that I have the right to make and fell withing FCRA guidelines. I am requesting IMMEDIATE removal of the account from my credit report immediately/ INDEFINITELY and requesting that they cease and desist all collection efforts INDEFINITELY.
Product: Debt collection

I am writing to file a formal complaint against IC System Inc. for their collection activities on behalf of XXXX XXXX XXXX. The incident involves their persistent attempts to collect an alleged debt of {$200.00}. Despite my request for verification of the debt, IC System Inc. has not provided adequate documentation supporting the validity of the claimed amount. The lack of transparency regarding the alleged debt, including dates, charges, and supporting documentation from XXXX XXXX XXXX, is of concern. The actions taken by IC System Inc. have been aggressive, and I believe they may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the Consumer Financial Protection Bureau to investigate this matter, seeking resolution through proper verification of the debt, cessation of aggressive tactics, and the provision of detailed information related to the alleged debt. I refrain from providing personal information in accordance with CFPB guidelines but am willing to furnish necessary details upon request. I appreciate your prompt attention to this complaint.
Product: Debt collection

ERC  ( debt collection company ) claims to have an account from   XXXX   XXXX   XXXX   to collect {$30.00} owed. I have been receiv ing notices for about a year now and call   XXXX   XXXX   XXXX   every time. We have never owed them and   XXXX   XXXX   XXXX   continuously advises me we owe nothing, this is a known scam to them and to ignore the debt collection company. The debt collection company has been notified every time they call and they refuse to stop sending mail and calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saks Fifth Ave is saying i tried opening a credit card with them and made a hard inquiry on my credit. It was not me
Product: Checking or savings account

EXPERIAN charged my checking account. UNAUTHORIZED CHARGE. 
Transaction Details for Row XXXX XX/XX/23 PURCHASE Experian* Cr XXXX XXXX XXXX {$24.00} OVERDRAWN ACCOUNT Activity Summary Current posted balanceOpens a dialog Minus- {$3.00} Pending withdrawals/debits Minus- {$27.00} Pending deposits/credits {$0.00} Available balance Minus- {$31.00} I had to cancel my card and reorder a new one due to the fraud. 
XXXX XXXX is investigating.
Product: Credit reporting or other personal consumer reports

Since there have been multiple violations of the necessary reporting requirements, my report 's data is not reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently called to cancel my AA Aviator credit card over the phone. At the time of cancellation, there was a remaining balance of {$99.00} due to the annual fee. The representative assured me that this fee would be credited back to my account, bringing the balance to XXXX. Consequently, he canceled the payment. 

Over the subsequent weeks, I've made several attempts to follow up with the bank regarding the status of this credit. Each time, I've been informed that the credit is still in processing and that no further action is required on my part. Additionally, I was advised to disregard any past due notices. 

However, despite these assurances, the {$99.00} balance remains on my account and is marked as past due. To exacerbate matters, on XX/XX/XXXX, the bank reported this past due balance to the credit bureau.
Product: Student loan

XXXX says that I am on a income based repayment plan which in my case I have no income which makes my payments $ XXXX.The problem is that they are reporting to the XXXX credit bureaus that I am behind and also add XXXX of dollars in interest on my amount which lowers my credit score drastically.They told me that they report that my loans are on time and that It would help improve my credit but it 's XXXX the total opposite.