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

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Mortgage

I had a modification specialist submit prior to Covid and after Covid. The only response ever received from phh mortgage was more request for bank statements, pay stubs, taxes, etc. The bank was never in contact with me but the specialist I hired requested the info from me I gave it asap. In XXXX of 2023 we hired a lawyer who filed another modification and again the bank just kept requesting more financial documents. I have called the bank multiple times never getting straight answers. The bank gives me the run around no matter who submits the modification. I have submitted everything they have requested numerous times. I feel I have been taken advantage of. I dont know who to trust. I have been trying to take care of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX Dont have a contract with my signature Contacted bureaus and they failed to present contract with my signature. I don't have record of account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$7600.00} XX/XX/year>2024 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My late mother and I are Borrowers on a XXXX XXXX XXXX home mortgage loan. We signed loan adjustment agreement documents to modify my loan agreement with Bayview Loan Servicing , LLC, in XX/XX/XXXX. My mother passed away suddenly in XX/XX/XXXX In, XX/XX/XXXX I signed loan adjustment documents and forwarded all of the requested information and my mothers death certificate, via mail and facsimile ; still, as of today, the loan has not been converted to the new loan terms. I have been attempting to work with Bayview Loan Servicing , LLC to modify the loan terms, with XXXX XXXX XXXX Bank due to my mothers untimely passing and changes in my finances and my ability to continue to make the loan payments under the original loan. On XX/XX/XXXX, Bayview Loan Servicing , LLC, sent me another permanent loan modification agreement that would take effect upon completion of the Stipulation Agreement. I signed and sent that agreement back to Bayview Loan Servicing , LLC, on XX/XX/XXXX, I made timely loan payments under that agreement, but Bayview did not change the loan terms. Bayview still has the original loan terms XXXX payment, rate, etc. ) in its system. I received notices from Bayview Loan Servicing , LLC that my loan is delinquent and they have threatened that if I do not bring the loan current, it would start foreclosure proceedings. I contacted Bayview Customer Service and the asset manager assigned to my loan explaining that my loan was modified. They agreed that the loan was in a modification and that I was to ignore the pre-foreclosure notices and continue to make payments under the modification agreement. I have been sending in mortgage payments since XX/XX/XXXX, I was told by the asset manager that they were in the process of converting the loan terms. While this is all going on, Bayview was reporting to the XXXX major credit reporting agencies that I was delinquent on the loan. I am now leaving in fear that Bayview Loan Servicing , LLC, is going to foreclose on my home. I have been making timely payments to prevent foreclosure proceedings and I have complied with all the loan terms I have agreed to. Still, they want to take my home and I am not sure how to XXXX this But, I do know that i should not have to leave in fear of being homeless, when I have done everything I was asked to do XXXX times now over the course of a year.
Product: Debt collection

I have already disputed the account XXXX XXXXXXXX XXXX from opened credit cards accounts on all my credit reports XXXX, XXXX, and XXXX last year of XXXX. I noticed my credit being ran in XXXX XXXX on XXXX XXXX I contacted XXXX XXXXXXXX XXXX and told them no I did not open this account. This account was opened in Mississippi, XXXX is the county I think. I have never lived any where other than XXXX address 's or XXXX XXXX. They proceeded to ask me if I had an authorized user on the account and I told them no. I asked them who it was and they said XXXX XXXX who is my ex-husband of XXXX. This person is a con artist with no credit and has stolen my info. I have no communication with this person and did not give them any permission to open any accounts in my name. This was disputed and closed But then put in collects on my credit report as they sold the account to Midland credit management. I called them again because I thought this was cleared the first time. they asked for my address and then proceeded to change it on the account saying all info is correct when that's not true. I want the account removed from my credit reports and future reports on XXXX, XXXX and XXXX. Thanks you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections is reporting a debt on my credit file that I do not owe. I have been disputing this account with them and have asked for validation multiple times and never received any response. In my validation notice I asked they please respond in 30 days from their postmarked day otherwise to remove it from my credit file. It has been well over a month and I have been very patient. No one has been able to validate this debt to me and that's because I paid for the services for the dentist office. I had insurance to cover this with a program they worked with. I wasn't told that there was an issue with it but now I'm thinking that they misapplied the payment resulting in them sending me to collections. I did my part and payed for the services through an insurance program.

I have also attached the letter I sent to Bonneville stating that they must remove this if they did not get back to me. Reporting invalidated debt can constitute fraud under both federal and state laws and at this point they have not validated anything.
Product: Checking or savings account

I called last week to customer service to open a merchant dispute for merchandize not received. The bank denied the service saying that I dont have SSN so I cant get assistance by phone, in this case the bank is DISCRIMINATING me because I dont have SSN, tehy just said like a robot all the time " go to the branch '' and Im not in the US to go to the branch, is imposible, also the bank is violating the law " transfer act '' and regulation E and Z that allows customer to present a claim by phone, in person or in letter, giving the this choice to the customer, not the bank. 

Now I need to dispute those charges trough here : I went to the store XXXX on XX/XX/2023, to purchase XXXX smartphone XXXX XXXX XXXX paying {$84000.00} dollars each transaction. Because they didnt have it on stock they will send it to my house by XXXX XXXX 
Next day on XX/XX/XXXX I went again to the same store to buy another XXXX smartphone XXXX XXXX XXXX paying {$84000.00} each one. 
The expected delivery date given was XX/XX/XXXX. The store never sent me a tracking number or shipment information. 
The package never arrived so I tried to reach the merchant several times by the website and phone calls starting on XX/XX/2023, to ask about the shipment, to provide a delivery confirmation or to get a full refund. 
Nobody answered, Now I cant go in person to the store because I moved to another city.
Product: Debt collection

My rights were violated by CCHA Starting with 15 usc 1692b - I received phone calls as well as letters with letterheads from CCHA both stating i owe a debt in which is a violation - i received multiple letters from CCHA and phone calls which is a violation of 1692b that i as a consumer shall not be contacted more then once unless i request. 
- the language and symbol used on the letters from CCHA are a violation of 15 USC 1692b which also is a violation of my privacy as a consumer.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$510.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I have tried at least 3 times to cancel payments made by cashapp to XXXX & XXXX itunes. Ive contacted both merchants to cancel, & Ive contacted cashapp who just tells me to contact the merchants. but cashapp continues to make these payments without my approval & against my expressed wishes, taking money from my acct without authorization.
Product: Debt collection

I had XXXX accounts with Continental Finance Company. I had insurance with my accounts and sent in the needed documents. I was not working. They failed to process my insurance and caused this account to be delinquent. 
This was during the pandemic. 

XXXXXXXX XXXX {$1200.00} XX/XX/2021 XXXXXXXX XXXX {$1700.00} XX/XX/2021 I have not heard from this company for almost XXXX years and they old it to a collection company. No communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the three credit bureaus a letter asking them to correct this questionable information a month ago, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items that are listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way, and this has been a stressful and overwhelming process to get my life back so I am asking that this matter be resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX  NO : XXXX
Product: Debt collection

Resurgent Capital Services XXXX is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. 

I have no contract with Resurgent Capital Services XXXX, I have never heard of this Company and they have no legal right to contact me about any unverified, unproven and untrue debt. 

Resurgent Capital Services XXXX is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. 

This Company needs to stop harassing me immediately.!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the credit bureau present proof to me that I opened up a XXXX XXXX XXXX  account number XXXXThis account is currently listed on my account as a charged off account. Under the Fair Credit Reporting Act I can make a debt validation request. I am now making that request for the above mentioned account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I was opening a bank account at XXXX  XXXX XXXX XXXX in XXXX XXXX, MI, I was told a background check on me through Early Warning Services LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, XXXX ) stated that my social security number was issued prior to my date of birth. This is not correct as my father applied for my social security number after I was born. I provided a copy of the original social security card to the bank and they accepted it as valid. I contacted Early Warning Services to have this inaccurate information removed from my file and they denied my request. The person I spoke with, XXXX, kept telling me that they provide bank history to banks and denied that Early Warning Service had provided this information to XXXX XXXXf XXXX XXXX. XXXX would not allow me to speak with anyone else at Early Warning Services to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXX XXXX had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXX XXXX but they have yet to correct the information on my consumer repoort.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
[ CAVALRY PORT ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the   XXXX   day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro  XXXX  compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I paid off the vehicle on XX/XX/XXXX. The state of Maryland requires the lien release to be submitted with in 5 days receiving full payment. BMW Financial Services refuses to provide the lien release SUMMARY OF LIEN RELEASE REQUIREMENTS The Maryland Department of Transportation Motor Vehicle Administration ( MDOT MVA ) is informing lien holders that, as of XX/XX/XXXX, all lien holders and dealers who offer the service of financing motor vehicle liens, and engage in the business or practice of financing motor vehicles, are required to : Electronically submit their lien releases to the MDOT MVA, through their selected XXXX XXXX XXXX ( XXXX ) vendor, within 5 business days of receiving full payment for a motor vehicle lien, and If a lien holder/dealer meets the above qualifications and is not already a participant of XXXX, they need to contract with one of the specified vendors listed below for XXXX in Maryland before XX/XX/XXXX.
Product: Checking or savings account

I received the promotion email from U.S. Bank on XX/XX/XXXX to earn up to {$500.00} bonus when I open a new checking account. I opened a new U.S. Bank Smartly Checking account on XX/XX/XXXX, used the promo code and completed qualifying activities. I didn't receive the bonus by XX/XX/XXXX. I called US bank and asked about promotion and bonus to a representative. She answered after long time checking situation that I am not qualified to receive the {$500.00} bonus because I applied my email promotion instead of mail promotion. I asked manager to talk. She said manager XXXX will call me but no one called. Felt that explanation was not enough, not accurate. Felt not trustworthy.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC report. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$190.00} XXXX XXXX ( XXXX XXXX : XXXX  ) XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX =======XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.