23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently refinanced my house due to emergency.The title company held funds in escrow due to having leans that were not my own.I received the house through probate when my father passed away in XXXXThe house went through probate with the mortgage the only lein.Also I had XXXX XXXX XXXXXXXX XXXX1 in XX/XX/2016 2nd XXXX.The title company released the funds to company
Product: Checking or savings account

Navy Federal Credit Union continues to charge overdraft fees after transfers and purchases although the account balance shows more than enough money for the purchase/transfer. They do not update balances accurately up to XXXX days after the transaction so it looks like you still have money. This is unlawful and it has happened to me in the last year at least 4 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Student loan

XXXX has significantly undercounted my repayments made under the Public Service Loan Forgiveness program. They have also mishandled the Income Based Repayment ( IBR ) process, forcing me into forbearance against my will. According to XXXX  it takes 7-10 business days to process the IBR paperwork but up to 1-2 billing cycles to apply it to my account. That's a ridiculous time lag and is forcing me into a forbearance program when there's no need for one.
Product: Debt collection

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTIONION : IN RESPONSE TO CFPB : XXXX Whom It May Concern : According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Alleged Name and Address of Creditor 1. Name on File of Alleged Debtor : 2. Alleged Account # : 3. Amount of alleged debt : 4. Date that this alleged debt became/becomes payable : 5. Date of original charge off or delinquency : 6. Amount paid if debt was purchased : 7. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

8. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

9. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 10. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX
Product: Debt collection

I put a box of credit card statements in the recycling and XXXX XXXX and XXXX claimed to own the accounts. For years my phone rang about ten times a day. XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX had a total of XXXX Small Claims Court cases. This law firm is going down my credit report Small Claims Court lawsuit after lawsuit. They spelled my name wrong and my only income is Social Security XXXX and {$100.00} state pension. XXXX XXXX is the plaintiff although XXXX XXXX was abusive. Both are under XXXX XXXX. I hear that XXXX XXXX buys data that includes your social security number. XXXX and XXXX put a lien on my condo for a XXXX gas card. I have countersued for {$5000.00} for abusive collection practices on a XXXX Credit card which includes calling my brothers and their families and the jobs I worked while XXXX. They have ruined relationships with my family and I lost my jobs.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX I was unable to make my XXXX XXXX XXXX  due to saving the expenses for moving out of the previous environment for safety reasons. XXXX XXXX recorded XXXX missed payments but on my credit report it does reflect XXXX and XXXX 's missed payments for all XXXX loans I have with them. Even though I have XXXX loans, I was making a single consolidated payment ( {$490.00}, then {$490.00}, and last {$310.00} ) for all them due to repayment plan XXXX XXXX XXXX XXXX XXXX and the deferment kicked in. I wrote a letter to them about removing the XXXX missed payments because I'm in deferment, a clean slate ; but after reaching out to XXXX XXXX, they refused to correct this reporting, citing the Fair Credit Reporting Act ( FCRA ). However, their reporting does not align with the actual number of payments made and missed because they are prohibited from changing delinquency information that was already reported accurately and feel their information is correct. I don't know where the XXXX missed payments came from out of those 2 months missed when everything was XXXX payment for all XXXX loans, should at least be XXXX. I'm fine with having XXXX missed payments but XXXX is outrageous. XXXX loan- missed both months, XXXX loan- missed both months, XXXX loan-missed XXXX month ( XXXX ), XXXX loan-missed XXXX month ( XXXX ), and the XXXX loan-missed ( XXXX ), it doesn't make sense. I am calling for unfair practices please. Instead of keeping all XXXX on my report, XXXX missed payments need to stay on there. Also based on my transaction history it says I did make payments in XXXX, XXXXXXXX XXXX XXXX XXXX XXXX that contradicts the missed payments that XXXX XXXX reported on my credit. This means there are multiple issues with how they've handled account and reporting. They were mishandling how my payments were being allocated across my loan accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in updating/correcting some of the negative accounts that were previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

ATTENTION DISPUTE DEPARTMENT CKS PRIME INVESTMENT Reported : XX/XX/2021. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious. Reported : XX/XX/2021. I have reported your company to consumerfinance.gov, & next I will be taking this federal court As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information being reported by your agency regarding the collection account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 1681b ( a ) ( 3 ) ( A ), I am entitled to information on the purpose of the collection account. It is my understanding that you must provide this information upon request. 
The purpose for which this collection account is being reported is unclear to me, and as a responsible consumer, I believe it is my right to have a clear understanding of the debt being collected. Therefore, I am requesting that you provide me with the following information : The original creditor 's name and address. 
The original account number associated with this debt. 
A detailed explanation of the nature of the debt and the reason for its collection. 
Any supporting documentation or evidence validating the legitimacy of this debt. 
Please note that under the FCRA Section 809 ( b ), you are required to provide me with the above information within 30 days of receiving this letter. Additionally, during the investigation period, you must cease any and all collection activities related to this account until the required information is provided. 
If you fail to respond to this request within the specified timeframe or can not provide the necessary information to substantiate this debt, I request that you remove the collection account from my credit report promptly. This is to ensure the accuracy and integrity of the information being reported to credit bureaus, as mandated by the FCRA. 
Moreover, I remind you that misreporting or inaccurately verifying information on my credit report is a violation of federal law and subjects your agency to potential penalties and legal action. 
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Please forward all relevant information and correspondence regarding this collection account to the address provided above. I prefer written communication to maintain a clear record of our interactions. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost professionalism and compliance with the applicable laws. I look forward to receiving the requested information within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to remove some of the data on my credit report, but there are still items that need to be omitted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On three occasions the debt collection agency, Global Trust Management, hired by XXXX has contacted me at work after verbally asking them to not call me at work because my employer does n't allow it. The last call I received was on XXXX XXXX at XXXX and twice in XXXX. 
I feel they have violated the Fair Debt Collection Act when calling my place of work three times when asked constantly not to.
Product: Money transfer, virtual currency, or money service

I believe I have been harmed by illegal activity involving malicious software on my XXXX devices. I will be turning in the XXXX devices to the XXXX XXXX for an exchange. This has been an ongoing process since XX/XX/2022 in which I have been investigating on my own behalf. I am proceeding with the further steps to take action in this case. I would like to dispute all accounts with balances that have been deemed as Charge-Off Transactions.
Product: Debt collection

To Whom It May Concern, I am writing to you as a victim of identity theft and a distressed consumer who has encountered significant barriers due to the negligence and noncompliance of your organization with federal consumer protection laws. Despite my diligent efforts and the clear provisions of the Fair Credit Reporting Act ( FCRA ) Section 605B, the fraudulent accounts opened in my name have not been addressed appropriately, causing substantial harm, including the inability to secure housing for my XXXX  daughter and me. 
As previously communicated in my letters sent to your company dated XX/XX/2022, accompanied by a comprehensive identity theft report, a detailed list of the fraudulent accounts, and a signed affidavit verifying that these accounts were opened without my authorization. 

The documentation provided should have sufficed to initiate an immediate investigation and removal of these erroneous entries from my credit reports as mandated by the FCRA. 

However, it has been nearly a year since my initial report, and the lack of action from your side is not only disappointing but also in direct violation of consumer protection statutes. The persistent inaccuracy in my credit reports has unjustly tarnished my financial reputation, causing undue stress, barriers to essential services such as housing, and jeopardizing the well-being of my family. 
Therefore, I demand the following actions be taken immediately : 1. Investigation and Removal of Fraudulent Accounts : Conduct a thorough investigation into all disputed accounts and remove any fraudulent or inaccurately reported information from my credit file promptly.

2. Confirmation of Actions Taken : Provide written confirmation of the investigation and the steps taken to rectify my credit report. This confirmation should include a detailed account of the fraudulent entries that have been removed. 
3. Consumer Law Compliance Review : Initiate an internal review of your organizations practices concerning consumer rights and the FCRA compliance to prevent such negligent incidents in the future. 

Please take this matter with the utmost seriousness it demands. The wellbeing of my family is at stake, and your immediate action is crucial in rectifying the wrongs that have been done. 
I expect a prompt response, acknowledging the receipt of this letter and outlining the steps you will take to resolve this matter urgently.
Product: Debt collection

I am a victim of identity theft and I am not aware of this account on my credit report from this company.
Product: Bank account or service

cc : FDICConsumer Claim Number : XXXXBank : Bank of America DISPUTE RESOLUTION SERVICESXXXX XXXX XXXX XXXX AZXXXXMerchant : XXXX 
The Event : The consumer requested a refund from the Merchant based on breach of contract and or fraud which supercedes the 30 day return time period. The Merchant refused to refund so the consumer opened the claim with bank and faxed as well mailed to the bank written details supporting the claim. The bank failed to send the chargeback notification by mail to the Merchant ( as stated in the Merchants fax to the bank dated XXXX XXXX, 2015 ). The Bank 's letter to the consumer ( mentioned above Dated XXXX XXXX, 2015 ) disregardes the consumer 's written evidence for the claim as if they never received it ( in addition to not bringing it to the Merchant 's attention in writing, by mail ) and also states that " As a result, the temporary credit for {$790.00} that was previously applied to your account will be reversed on XXXX XXXX, 2015. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be reversed. We now consider this disputed resolution closed. " Notice : The Merchant-consumer transaction was from XXXX ( a different legal entity than XXXX. who sent the communication to the Bank via fax XXXX XXXX, 2015 ). 
The consumer demands that the disputed transaction remain open while this issue is investigated and that based on fraud, the credit for {$790.00} shall not be reversed. The Bank must prove that they received no written evidence for the claim from the consumer, as well as acknowledge that htey did not follow dispute resolution procedure on behalf of the consumer or the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an Identity theft report, FTC # XXXX to XXXX, XXXX and TransUnion advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX and Transunion have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  XXXX Inaccurate XXXX   XXXX XXXX  XXXX Inaccurate XXXX  XXXX Inaccurate XXXX XXXX  Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Product: Mortgage

Adverse action by Triad Financial Services Inc when applying for chattel loan. XXXX took my application and used my social security number and I received no benefit. They contacted XXXX who reported inaccurate negative information after I initiated a dispute many months ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Reporting Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Consumer Report To Whom It May Concern, I am writing to formally dispute the accuracy of specific information in my consumer report prepared and maintained by your company. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information and correct or delete any data that can not be verified as accurate. 

Details of Dispute - Account Name/Number : XXXX XXXX XXXX - Nature of Dispute : Inaccurate payments are being reported as late and they are not I believe this information is inaccurate for the following reasons : ( INACCURATE PAYMENT # 1 ) For XX/XX/XXXX Experian is reporting this account as 30 days past due and contrary to that Equifax is reporting it as paid as agreed never late ( PAANL ). 

( INACCURATE PAYMENT # 2 ) : For XX/XX/XXXX Equifax is reporting this account as 30 days past due and contrary to that Experian is reporting it as paid as agreed never late ( PAANL ). 


Legal Basis for Dispute Under the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation of the disputed information to determine its accuracy. 
2. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified, it must be corrected or deleted promptly. 

Furthermore, case law has clarified the duties of CRAs in disputes : - XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court emphasized the CRA 's obligation to conduct a reasonable investigation, especially when a consumer provides supporting evidence. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Reinforces that CRAs must ensure the maximum possible accuracy of consumer reports as mandated by 15 U.S.C. 1681e ( b ). 
- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX  XXXX ) : Established that a CRA 's failure to conduct a reasonable investigation constitutes a violation of the FCRA. 

Request for Resolution I request that you : 1. Conduct a reinvestigation of the disputed information in compliance with 15 U.S.C. 1681i ( a ). 
2. Delete or correct any inaccurate or unverifiable information. 
3. Provide me with a written response detailing the results of your reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 6 ), including the name and contact information of the furnisher of the disputed information. 

Please respond to this dispute within the 30-day timeframe specified by the FCRA. Failure to comply may result in legal action, as provided under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Thank you for your prompt attention to this matter. Should you require additional information, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Sincerely, XXXX XXXX XXXX XXXX.