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

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX My NAME : XXXX XXXX My address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. And also unauthorized use of my credit report
Product: Credit reporting or other personal consumer reports

The following accounts are reporting in a inappropriate manner.Remove this accounts because the payment history is continued reporting after this accounts was closed. 


XXXX  XXXX. XXXX date close XX/XX/2023 and XXXX XXXX XXXX date closed XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. XXXX, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : IS REPORTING THIS SAME ACCOUNT XXXX XXXX XXXX : IS REPORTING XXXX XXXX XXXX XXXX ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.
Product: Mortgage

In XXXXXXXX XXXX XXXX, I notified the company that I will be paying off the loan in XXXX and asked not to disburse property taxes as I wanted to pay them myself. Immediately after I received a letter saying that they don't have a copy of my insurance. I've uploaded a copy of the insurance and have an email confirming the upload. Yet in XXXX they've placed lender insurance in amount of {$4800.00}. I noticed it when I went to pay off the loan on XX/XX/XXXX. I've called and talked to their representative and he said that they did have my insurance for XXXX, but were missing insurance for XXXX and XXXX. So I've emailed them copies of that insurance together with copies of invoices and receipts and have received a letter dated XX/XX/XXXX that they will cancel lender placed insurance. Originally the guy said I will receive the refund within a week, but when I didn't get the money and started calling every other day, they told me that it might take up to 15 business days. On XX/XX/XXXX I finally asked to talk to the supervisor. The supervisor said that they don't have my policy for XXXX. So I've emailed him all of the policies together XXXX. He said I will get the refund this week. On XX/XX/XXXX, I got a partial refund XXXX, but not the full amount. When I called again, the representative said that I need to wait 15 business days from XX/XX/XXXX to receive the refund and couldn't tell me why they didn't refund the full amount.
Product: Debt collection

I have debt that is owed but now attorneys are going to seize my bank account for money owed XXXX XXXX. The only funds I have are direct deposits from Social Security Retirement income and Supplemental Security income. These funds are exempt from garnishment. These attorneys are going to freeze my account and remove money from my account. 
The attorney in charge of this case is XXXX XXXX XXXX, XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX IN XXXX Ph ( XXXX ) XXXX Cause No. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several loans for jeeps in the last XXXX years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Product: Checking or savings account

My debit card information has been stolen. Two companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have removed {$4800.00} from my checking account. I bank with Key Bank. I notified them within hours of these charges appearing on my account. This drained my account to below zero and I received a notification of insufficient funds when making a local food order. Key Bank has not returned these funds to my account. My account sits at negative {$620.00} and they are charging overdraft fees at this point. PLEASE HELP!!!
Product: Bank account or service

For years, Bank of America has emailed me personal information on another customer, including full name, home address, last four digits of account numbers, and account balances. There 's no way to unsubscribe, and I 've submitted numerous complaints to XXXXXXXXXXXX and never received a response. I 've also called and talked to their customer service, but they were n't able to do anything.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or delete. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX, TX,XXXX XXXX XXXX XXXX XXXX XXXX TX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$400.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is reporting fraudulent accounts that are not mine on my report. I filed a dispute in XXXX to all 3 credit Bureaus and everyone of the bureaus removed the 2 Navy Federal accounts from my report. It was off my report for 5 months from XX/XX/2019- XX/XX/2019 and in XX/XX/2019 XXXX put the both the Navy Federal accounts back on my credit report. I have tried to dispute this these accounts on my report for the pass 2 years and XXXX will not removed the accounts saying that the creditor verified the debit, they can not verify the debit 5 months later. It is against the law for Navy Federal to not respond within 30 days and then 5 months later after the accounts were removed to put the accounts back on my report. I have provided documentation that this was a fraudulent accounts because I was a victim of fraud and had to close my bank account because of it. Please have XXXX remove Navy Federal accounts from my credit report. 

Also there is a collection that XXXX XXXX has reporting XXXX that needs to be removed from my account because I have settled all debts with them. 

Also XXXX is reporting to all 3 credit bureaus that I was late on my credit card payment and my personal loan. I had XXXX and was told that I shouldn't be penalized for having XXXX and XXXX will remove these late statues from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Its not a valid debt and Ive requested them to validate it but they have not and they have been calling my coworkers and discussing this debt with them. I want it removed from my credit report
Product: Credit reporting or other personal consumer reports

I am reaching out to bring to your attention that I have been subjected to identity theft. This letter serves as an official dispute regarding the accounts listed below. Following the instructions provided by the companies involved, I have taken the necessary steps to address this issue. I have filed an identity theft report with the XXXX and have personally reached out to each company affected to dispute the information. I kindly request your assistance in resolving this matter. 

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

While I was in the process of trying to rent an apartment my credit got pulled and I saw several things that did not belong to me on my credit report. Can these items please be removed from my credit report. XXXX  XXXX XXXX  XXXX  XXXX {$500.00} XXXX XXXX XXXX {$83.00} XXXX XXXX {$550000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit card or prepaid card

I received from XXXX XXXX a promotional email soliciting a XXXX XXXX XXXX credit card through AMEX. I filled out AMEX 's online app with ALL information EXCEPT my social security number. I entered " random '' numbers for a social and called the AMEX new accounts number telling the agent what I had done. I offered to provide my number over the telephone, but informed them I wo n't put it online. The agent said, " No problem, if we have your name, address, telephone number, and birth date we can get your social. '' Several weeks passed with no correspondence, so I again called AMEX. This time I was told there were verification problems with address, phone number, and social security number and a letter was being sent seeking XXXX and address and phone number verification. As I believed I was lied to by the agent I contacted XXXX XXXX VP Global New Accounts. Her representative XXXX contacted me as to my concern ( logic would answer do n't have your phone number ). I received the XXXX and I complied with that request plus I returned a voided check from my bank with PRINTED address and phone number plus a photo copy of my driver 's license. Now I have received a request for a bank letter head stating my address verified by an official ( logic again : this is the SECOND letter AMEX has mailed to me ) plus a notarized copy of my social security card ( logic again : I have PROOF AMEX ran a credit check on me, how did they do that without a social security number and what did AMEX do with the XXXX I signed? I KNOW what my credit score and rating is and AMEX IS  HARASSING ME! I have not received a rejection letter because of " risk '' as my record shows there is none. For whatever reason, I am being HARASSED for information of which AMEX logically has possession! DISCRIMINATION FOR REASONS UNKNOWN
Product: Checking or savings account

Not sure but company has a wide web problem with deposits. Not getting any answers or when the problem will be fix. Causing account to be negative. can pay bills or by anything. Verify inconviencing
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2023 since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/2023 ) an on XXXX its ( XX/XX/2023 ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account front my friend report. 
Account Number : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get pre approved for a home loan. All my credit is frozen b/c I have be part of multiple breaches ( XXXX, XXXX XXXX, XXXX, that I know of ). 
Yesterday I went to all 3 agencies and lifted the freeze with no apparent errors. I let my loan agent know, and this morning he informed me they are still locked. I executed the same effective window lift for each agency ( XXXX XXXX XXXX ). Today is the XXXX. 

If there is a transition period ( e.g. effective in 24 hrs ) they should inform me of that. They did not. 
If the XXXX was not available as an open date, it should not have been offered by their calendar. 
Finally, they all use robots for this service so there is no way to correct the situation or get information. 

This is totally unacceptable for a problem ( amassed financial information ) they caused.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Global lending account XXXX beginning in XXXX has violated my rights. 

15 usc 1681 section 602 states I the right to privacy.

15 USC 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX around XXXX - XXXX was stolen ( Some one asked my son to watch social media, then took son 's phone away and ran off. The phone was unlocked, and all son 's login IDs and passwords were stored in XXXX ) XXXX around XXXX - called bank to report the lost debit card and request to freeze the account. 

XXXX around XXXX - claim the XXXX unauthorized XXXX transactions with the bank ( I asked not to complete it because I could see that it was processing. ) XXXX around XXXX - I tried to get the details from bank, The bank claim support representative denied providing the result and asked us to go to the branch to verify my son 's ID-authentication due to lost a phone. 
( since receiving the claim closure notice. The notice letter says that it was not considered fraud. ) XXXX - visited bank. Bank Rep told we dont have anyone available to help us right now, so Ill call you on Friday. Please make a reservation then. We still havent received a return call. 

I want to dispute the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX/XXXX on all three credit reporting agencies. Company wrote off amount due which cancelled contract. Sold to collection agency XXXX which also cancelled contract. I paid XXXX in XX/XX/2015. I can not submit documents. Loss home to flooding XX/XX/2015.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Chase holds my loan on my home at XXXX XXXX XXXX XXXX XXXX CA XXXX and is forcing me to pay PMI on the home even though I owe significantly less than the 80 % loan to value on my hiome since I first purchased the home. I requested the PMI be removed and Chase required me to pay {$100.00} to have a BPO performed to reassess the value of the home. The BPO came back showing the home went up in value showing my loan to value was below 70 % and Chase sent me a letter refusing to remove the PMI from my mortgage. This is ridiculous I am very dissatisfied with what they are doing. There is no reason for me to be charged my home was appraised at {$440000.00} and I only owe {$310000.00} placing me at a 70.92 % loan to value. I want this removed immediately, I repainted and retiled among other things I did to the house and what Chase is doing is immoral and plain wrong. I spoke to XXXX in the PMI department and she tried to tell me I had to be below 75 % loan to value and when I showed her I clearly was she then said I didn't make improvements and when I stated I did she went on and on telling me they would not remove the PMI. This is wrong on so many levels
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! XXXX, TransUnion and XXXX  need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the dispute accounts, as Experians inactive violates federal law and my rights as a consumer.