23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed this account many times with no success. 
I sent XXXX letters on XX/XX/2018 I received a letter in the mail on XX/XX/2018 with a copy of a $ XXXX bill ( hippa violation? ) and absolutely nothing of VALIDATION. 
It is not validated and i can not get the company to properly validate? I expect the agency to follow federal law on debt verification and validation. WITHOUT SIGNATURE i am not going to be held responsible for a debt included in my identity theft report Without receiving proof that this debt was signed for and authorized by me than it needs to be removed, i have been a victim of identity theft and another person is being investigated for making charges in my name, if this is one of those cases, which it is and i am also proving by showing that the addresses on the bill do not match mine. 

I have attached my identity theft report with the Federal Trade Commission and will seek further action if necessary to remedy myself of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX 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 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 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 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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Per my previous CFPB compliant XXXX ( attached ) I reported that TransUnion is in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. TransUnion 's mailed response ( attached ) states " the document submitted does not appear to be a copy of an official valid law enforcement report that we can accept as an Identify Theft Report ''. I have repeatedly submitted official FTC Identity Theft Report # XXXX ( attached ) to TransUnion via mail as well as via CFPB but TransUnion refuses accept as official. Per the FTC ID Theft Recovery Steps document highlighted page 4 ( attached ) a consumer " may choose to file a report with your local police department ''. This is NOT a requirement of the FTC. Also TransUnion 's own Fraud Victim Checklist page 2 highlighted ( attached ) states " contact government agencies, such as the Federal Trade Commission ( FTC ), to report the fraudulent activity '' and " Download the FTC 's Universal Fraud Affidavit ( https : XXXX ) ''. Nowhere within TransUnion 's checklist does it state that a local police report is required. That said how is it that TransUnion states in their complaint response letter that they do not recognize my FTC ID Theft complaint as official while TransUnion 's own ID Theft Recovery Steps document specifically states to contact the FTC to report fraudulent activity via the FTC universal Fraud Affidavit? TransUnion 's failure to block this item from my credit report is a clear, indisputable and deliberate attempt to cause harm to my credit rating and a blatant violation of my rights under the Fair Credit Reporting Act. Failure to block this trade line will result in a formal complaint against TransUnion to the Federal Trade Commission as a well as explore any legal remedies of which I am entitled under the FRCA. 
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Product: Credit reporting or other personal consumer reports

Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX advised them at the begin of XX/XX/2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the XXXX of each month the bureaus are updated. As of XX/XX/2019 my account because current. As of today XXXX XXXX has only updated XXXX that my account is not past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a fraudulent account on my credit report. Prior to learning the correct process to have issue corrected I submitted a letter to Walmart/Synchony please see below : Enclosed is a check for the alleged balance for the above mentioned account. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX & XXXX XXXX and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

Upon cashing this check you have 30-days to comply with the above. 

Notice to principal is notice to agent, notice to agent is notice to principal. 

I mailed check # XXXX for {$520.00}. This check was cashed on XX/XX/2018. Since the check was cashed you agreed to the terms of the letter and the terms written on the check. Please remove and and all derogatory reportings from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account # XXXX, - XXXX  XXXX 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
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 
\nI demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$750.00} XXXX XXXX XXXX Reported : XX/XX/XXXX {$3700.00} XXXX XXXX Reported : XX/XX/XXXX {$52.00} Below are the fraudulent inquiries as followed : XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX 2023
Product: Vehicle loan or lease

When i first got the vehicle the transmission went out on the 3rd day so they towed my new car to their company and gave me a new transmission although it was a XXXX vehicle. The transmission was going back out which affected the motor. I voluntarily drove my vehicle to the CNAC to get it repaired. They kept the card XXXX weeks no rental no explanation only that a new motor and transmission was needed and that they has to get it approved through their financing company. The car was already paid for and they had it for XXXX weeks without offering me alternative solutions, it was just a wait until we can fix it situation. After the XXXX week of nothing I got a call from CNAC stating that they could replace the motor and transmission, and cost of repair will be added to my car note. That was a no no for me. I never missed a payment I had insurance required by law and the car had normal wear and tear since it was a XXXX. CNAC refused to roll me over to a new car they wanted to add a new motor and transmission to an over 15 year vehicle then add that to my car note which didn't agree with the contract I signed. How can you add an additional XXXX for an unwanted repair on an already used vehicle that I had paid off. CNAC who had already had the car for XXXX weeeks stated that if I didn't agree to a new motor and transmission and another XXXX years of car notes that they will sue me. Since the car had been in their possession They put it on my credit illegally.
Product: Mortgage

On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX our area was significantly impacted by Hurricane Irma and declared by FEMA as eligible for individual assistance. My home mortgage is owned by XXXX XXXX and serviced by Bank of America. The assistance program is established for federally backed loans to provide relief from Hurricanes Harvey and Irma. 

An overview of this program is included for your convenience. Available at https : //www.fhfa.gov/XXXX The effect of the storm has caused significant and immediate loss of income and moderate damage to our primary property/residence XX/XX/XXXX. I made my initial request for Forbearance to Bank of America. They stated that they would forebear the loan until XX/XX/XXXX with a credit hold. They then explained to me that I would have to repay the entire amount of the past three months and the month of XX/XX/XXXX. I explained that this was incorrect and did not follow the program. 
XX/XX/XXXX I called BofA mortgage assistance program and talked with XXXX XXXX who then transferred me to XXXX XXXX. During these discussions, I explained that Bank of America forbearance program does not meet the federal guidelines. They again explained to me that they would forebear the loan for 90 days and at that time I would be responsible for repaying the entire back amount and the monthly payment in XX/XX/XXXX. They also explained that the credit hold would take place during the forbearance but then the credit hold would be removed and the loan would report to the credit bureau. In essence, they are going to increase the balance due on the note for 90 days and then make it all due. They are then going to report to the credit bureau that I have an unpaid balance that is past due. 
I explained the federal guidelines published by the XXXX XXXX I clearly stated to the representative that Bank of America is not following the Federal guideline. 

I am requesting 6 months forbearance without having to repay the mortgage all at once at the end of the 6 months as per the federal guidelines.
Product: Credit reporting or other personal consumer reports

Equifax poor customer service and security some it is not their individual fault but no they would not help in any way except to tell me to get information that is not correct. They have all been altered in the last few years. I check them. It goes back to XXXX  as previous and no about XXXX after b sister allegedly went into my account to deposit a gift which I said why dont you put it in the atm? XXXX XXXX XXXX. I love my siblings but they are not the same people as they used to be. So went into the bank. Asked which account coming out. Asked to wait. But it goes together all. Spouses family friends credentialed and more. But later found that I had to close the account because they found XXXX open and they were mother only one who had or had access to information. Whole life insurance pending in both legal and given name is not okay. Date of birth to unknown beneficiary but my mother did ask me what day it was deposited in my account. So I kept trying to stop it and couldnt. The bank made me close it because their security as good as it was could not stop this after having this account XXXX years. So what seems back is present. Still affects me. So irs. Id affidavit sent me. I cant even verify my identity with the credit bureau so it is part added so it makes sense. Leave out details and no originals do nothing. Good advice going nowhere. But on credit report XXXX XXXX did aknoledge id.me equifax very difficult and will not work with me at all.
Product: Debt collection

AR RESOURCES INC.has XXXX collections reporting on my XXXX and XXXX reports.XXXX has removed.they are account XXXX in the amount of {$120.00} and XXXX in the amount of $ XXXX.The original creditor is XXXX and the duplicate collection is for a single service/bill So AR RESOURCES has double billed with a single digit account difference and a XXXX dollar fee difference and is verifying false information 3 times, according to XXXX.
Product: Checking or savings account

I put a stop payment on XXXX and paid a XXXX $ fee. I was told that they would no longer be be allowed through, however, they went through, my account was already overdrawn due to charges they allowed through while the card was locked. They have been charging XXXX $ a day in overdraft fees. They allowed the company with the stop payment to take XXXX more dollars further overdrawing me. Im XXXX now and it wont stop REGIONS WONT STOP. They also refuse to close the account.
Product: Checking or savings account

Around XX/XX/XXXX I was given XXXX grants from the XXXX XXXX targeted advance and supplemental advance. XX/XX/XXXX the Navy federal credit union froze my account and started the process to close my account and sent back to XXXX {$9000.00} but still have not given me the remaining {$5000.00}. The XXXX told me to get my bank to send the {$5000.00} directly to me due to an enormous back log of returned funds as these grants are for emergencies to keep my business afloat. The Navy Fed won't tell me why they have frozen my funds or why they won't give my funds back to me. They have received from the XXXX my other funds successfully {$1000.00} in XX/XX/XXXX and XXXX of XXXX {$6000.00} and {$7000.00}, so the excuse that this is not a business account does not apply here since I was able to receive my other funds for my small business, I am a sole proprietor with no employees. I am able to use my personal account due to having no employees and in the guidelines per Cares act all sole proprietorship with no employees may use their personal accounts. The Navy federal has been so rude and dehumanizing towards me the security department has been awful and won't help me or give me a chance to clear up any discrepancies. Since XX/XX/XXXX I have lost my business because my car loan went into default because I have no access to my funds, I use my car to carry supplies and travel to the homes I serve. I have lost my home because I can not work, I don't even have bus money. My son has served the XXXX straight from XXXX  when he left he had a home, now XXXX XXXX  is about to be done XXXX he served the XXXX XXXX and he XXXX coming home to nothing, he will be XXXX  as well. Navy Federal keeps sending me my monthly statement with my {$5000.00} showing in my checking account but won't let me access funds that would enable me to get back to business. They have severely crippled me.
Product: Debt collection

I obtained a loan thru XXXX XXXX for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as Nationwide Debt Management. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following Friday. However, the agent ( XXXX XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am XXXX from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy credit reports. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Bank XXXX/XXXX Dc Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX 's XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 
XXXX XXXX-XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX  Usa, N. A Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make the a forementioned inquiry/inquiries into my credit report, I respectfully request that a copy of it be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. 

Thank you. 

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

open date XX/XX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
Product: Debt collection

I filed a dispute and account was removed because of investigation company replaced back on XXXX XXXX file after information was confirmed due to covid.
Product: Mortgage

5/3 failed to process my request with save the dream in a timely fashion -- -Please see attached document