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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Account Reporting Violations - Account Number : XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number. XXXX XXXX XXXX  Account number. XXXX XXXX XXXX  account numberXXXX XXXX  account # XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX XXXX. account number XXXX XXXX XXXX  account number. XXXX XXXX XXXX  Account number. XXXX XXXX XXXX  account numberXXXX XXXX account # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX, XXXX, Equifax has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation.

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations.

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX, XXXX, Equifax will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA.

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Product: Mortgage

Securities Fraud, racketeering. 
I am an Investor seeking to redeem my instruments. I have not only provided you with a promissory note via my original credit application ( Exhibit B ) I am also entitled to receive the interest on the coupon payments I receive every month. ( Exhibits C, F, I ) These are notes I am able to collect pursuant to the indenture agreement you have on file with the SEC. I stamped the security according to 31 CFR 328.5 - Forms of endorsement and 31 CFR 328.6 - Requirements for endorsement. 
I mailed the Registered Security for XX/XX/year> ( Exhibit C ) to XXXX XXXX ( PennyMac indenture Trustee/Paying agent ) registered mail on XXXX XXXX. It was delivered on XXXX XXXX. No response and its not reflecting my account. See Registered mail receipt attached ( Exhibit D ) I mailed the Registered Security for XX/XX/year> ( Exhibit F ) to PennyMac Loan Services LLC legal department on XXXX XXXX. I got a response from PennyMac on XXXX XXXX saying that the company declined my tender of payment ( Exhibit H ) I mailed the registered security for XX/XX/year> ( Exhibit I ) to PennyMac Loan Services LLC legal department on XXXX XXXX. No response Pursuant to UCC 3-604, if the instruments, notes, or any tender of payment is rejected, surrendered, or mutilated, I am able to consider the debt discharged.

I have in good faith done everything I agreed to in the terms and conditions and PennyMac is showing a history of non-compliance. 
According to 16 CFR 433.1 Definitions ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. 
I never received a cash advance for the finance charge in this business transaction nor was it mentioned verbally or in writing. I never received a Purchase money loan ; The company gave me a consumer loan according to the law it was supposed to be a Purchase money loan.

The company never credit my account from the dividend payment they made off my treasury coupon via the Electron Funds Transfer Act of the interest they made off of my treasury coupon. PennyMac Never credit my account for the Certificate of Indebtedness If I cant use my securities, then this is Securities Fraud and racketeering. 
Hopefully we can come to an agreement. I am able to send you the notes every month. PennyMac Loan Services LLC can be assured all obligations I incur will be tendered as a form of payment and I will never become delinquent. I have a forensic auditor at my disposal who is willing to testify to your securitization tactics... If my concerns are not addressed, I will report the CUSIP and other relevant information to the SEC. Your prospectus clearly states the notes will not be placed on any secondary market! 
I also included a request for arbitration form that is filled out and at the end of the discovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 U.S. Code 1692g Failure to VALIDATE debt.

15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permissio
n of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681 section 602 A. states I have the right of 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 1692 ( B ) ( 2 ) not state that such consumer owes any debt ; 15 U.S.C 1692 ( B ) ( 4 ) not communicate by post card.

15 U.S.C 1692 ( B ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Checking or savings account

My phone was stolen while I was working a XXXXXXXX XXXX XXXX  and during that time my account was charged numerous times for merchants that are on another country. I tried filing a dispute with Revolut customer service and they denied my claims stating they were invalid! I have proof that my phone was stolen but these people didnt even care to look into where the merchants were located let alone hear what I stated about my phone being stolen.
Product: Mortgage

failure to acknowledge a RFI within  XXXX  business days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXispute Department.

RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically in a Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 
Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
United States XXXX recent posts featured this place XXXX XXXX XXXX XXXX ago Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

I got a {$500.00} loan from XXXX XXXX in XX/XX/XXXX. I agreed to pay weekly on Fridays. Mid XXXX I had fraud issue with my bank account so my account was delinquent until i fixed it towards the end of XX/XX/XXXX. During these couple weeks XXXX would not let me pay my weekly payment with another form of payment. So I had to put a stop payment so i would not keep getting fees from my bank. Once I had my account back in order I tried to resume may payments. For 2 weeks in a row my attempts to pay got rejected. It was very difficult to get in contact with a person to figure out what was going on. Once I finally did my payments resumed ( XX/XX/XXXX ) except they told me my loan payments would be restarted since I had missed a few payments, which I think is unfair because I did contact them to try to pay. For 4 weeks from the end of XX/XX/XXXX to mid XX/XX/XXXX I missed payments ( XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Since XX/XX/XXXX I have been making my payments weekly as they are drafted out of my checking account as a check every Thursday now for {$9.00}. My credit report currently says that I am 120-149 days past due. I have called XXXX about this they told me I would just have to dispute it. I have disputed it several times of different platforms and my account continues to not be updated. This is really hurting my credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting : XXXX 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. 

In accordance with the XXXX XXXX XXXX : XXXX 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 In accordance with the Fair Credit Reporting : XXXX XXXX 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 In accordance with the Fair Credit Reporting : XXXXXXXX XXXX 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: Debt collection

I received a call on my personal cell phone about a week ago from a company identifying itself as " First Source Advantage. '' They asked for a person by name, who used to be my roommate but died this past XXXX. Before his death we shared a phone number for our land line, but that has been disconnected. I explained to the caller that the person was deceased and they had called my personal cell phone. 

Today I received another call from the same company, again asking for my deceased roommate. I told them again that he died in XXXX, and their representative essentially accused me of lying. 

I provided the caller with information about the estate and a phone number for its personal representative. I also instructed him not to call my cell phone any further. But I should not have had to make this request more than once.
Product: Credit card or prepaid card

I had over a million thank you points with Citi bank which they took away upon closing my accounts. I have multiple letters from them they've sent to me stating ; that I have 60 days to redeem. However, they immediately took it away.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX Inquiry Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX, XXXX Inquiry Date XXXX XXXX, XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX.
Product: Checking or savings account

Have a Bank of America account for years and months ago I was travelling to XXXX and my wallet got stolen. Only noticed long time after. Locked my card. Requested a new one and when got back from my trip I filled a claim cause there was 4 transactions used. 
4 back to back on the same place. 
After filling the claim I got a credit on my account and today almost 3 months later that ammount was cash from my account and the bank said my claim was denied. 
I called them and after reopening found out that they werent able to get in contact with the place my card was used and that was the reason they denied. 

I reopened the claim and sent documents and other information but still didnt get my money refunded
Product: Debt collection

I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please
Product: Credit reporting, credit repair services, or other personal consumer reports

I send a letter asking for an investigation to be completed on two collection accounts that are reporting on my credit report. it has more than 30 days  and no response. the letter was mailed on XX/XX/2019. The followup letter was mailed on XX/XX/2019. The dollar amounts on the $XXXX & XXXX .
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have request a investigation of Midland Credit Management account on my credit report. The charge -off of an obligation with Midland Credit Management is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2023 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Product: Debt collection

I am filing this complaint against Blitt & Gaines, P.C., which is attempting to collect an alleged debt on behalf of XXXX XXXX XXXX XXXX 3. They failed to provide proper debt validation before filing a lawsuit against me and have given contradictory information about my case. 

Blitt & Gaines XX/XX/XXXX response to the XXXX XXXX XXXX XXXX XXXX XXXX contains multiple misrepresentations regarding my alleged debt and lawsuit. I am demanding that Blitt & Gaines be held accountable for their failure to follow federal law, misleading statements, and improper debt collection practices. 

Key Issues with Blitt & Gaines Conduct : 1. Failure to Provide Debt Validation Before Filing a Lawsuit On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX to verify whether they had received a demand letter or validation from Blitt & Gaines. 
XXXX XXXX confirmed they received a collection notice from Blitt & Gaines on XX/XX/XXXX, but they never received a demand letter. 
Blitt & Gaines proceeded to file a lawsuit against me on XX/XX/XXXX, without first providing proper validation. 
2. Inconsistent & Unreliable Debt Amounts The lawsuit filed against me claims I owe {$14000.00}. 
The XX/XX/XXXX letter from Blitt & Gaines states the balance as {$6700.00}. 
The XX/XX/XXXX letter from XXXX XXXX states a balance of {$5400.00}. 
These conflicting figures raise serious concerns about the accuracy and legitimacy of the claim against me. 
XXXX. Unclear Debt Ownership Debt Has Been Sold Multiple Times The alleged debt has been transferred multiple times, making ownership unclear : The original creditor was XXXX XXXX Bank. 
The debt was then assigned to XXXX XXXX XXXX. 
Now, XXXX XXXX XXXX XXXX XXXX claims ownership through Blitt & Gaines.

Blitt & Gaines has not provided proof of legal ownership or assignment.

4. Misrepresentations in Their Response to the XXXX & Lawsuit Conduct In their XX/XX/XXXX response, Blitt & Gaines falsely claimed that I had not responded to their lawsuit. 
However, I filed my court appearance and response on XX/XX/XXXX, which is confirmed through court records. 
This shows that Blitt & Gaines is making misleading statements to justify their lawsuit.

I am requesting that the CFPB investigate Blitt & Gaines, P.C. for : Failing to provide debt validation before filing a lawsuit, violating the FDCPA. 
Filing a lawsuit based on conflicting and unreliable debt amounts. 
Misrepresenting my response status and failing to check court records. 
Providing no proof of legal ownership of the debt.
Product: Credit card or prepaid card

The Citi bank sided with XXXX on not receiving the service I requested. Driver was not wearing a face mask putting my safety at risk.
Product: Debt collection

I am writing this letter to inform you about the fact that Affirm Inc. has continuously violated me and has caused me severe damages and injury. According to my records Affirm Inc. has been notified by me numerous times regarding ACCOUNT # XXXX. I have instructed Affirm Inc. to Cease all communications on XX/XX/XXXX, in writing through certified mail tracking number # XXXX XXXX XXXX XXXX XXXX XXXX. 

In the written correspondence I, notified Affirm Inc. about the fact that I demanded Affirm Inc. to cease all communications. Affirm Inc. continued to communicate through consumer reporting agencies like XXXX by reporting adverse information and reporting information known to be inaccurate, incomplete and unverifiable. 

Due to their negligence and misconduct, they have violated the cease and desist from XX/XX/XXXXXXXX  and numerous Fair Debt Collection Practices Act violations. their misconduct and illegal Debt parking practices have also caused them to violate the Fair Credit Reporting Act as they have failed to respect my right to privacy and have been reporting false, unfair and biased information. 

According to my records Affirm was again notified by me in written via certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX about my notice of dispute again informing them about the fact that I was once again disputing the alleged debt and demanding a proper verification of the alleged debt. Affirm Inc. again continued to ignore me and misrepresent information by reporting alleged unverified debts to consumer reporting agencies without my consent. 

At this point my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act have been violated causing me mental anguish, stress, XXXX, loss of companionship, loss of opportunity and credit denials. 

At this point I have been forced to file for arbitration to be properly heard and redress my injuries. This notice serves as evidence of my filing for Arbitration as required. Attached are the filed documents with XXXX.
Product: Mortgage

My loan was being handled by The Money Source ( https : //themoneysource.com/ ). In the month of XXXX ( XXXX XXXX, 2020 ), I paid {$10000.00} towards my principal repayment. The reduced principal should have applied from that day itself and I was supposed to pay lower monthly interest since the principal outstanding is reduced by {$10000.00}. 

The Money Source transferred to loan to XXXX XXXX somewhere in month of XXXX and my first payment due to XXXX XXXX was on XX/XX/2020. However they did not apply the {$10000.00} which I paid in month of XXXX. 

I paid my monthly mortgage to XXXX XXXX based on the original principal and thereby lost the monthly interest benefit. And till date my {$10000.00} has not been paid/sent to XXXX XXXX. 

I do not know why the company did not reduce my outstanding principal by {$10000.00} before transferring the loan to XXXX XXXX. I lost approximately 2 months of interest on the {$10000.00} amount. 

Repeated mails and phone calls to The Money Source seem to have no effect. I have sent them multiple emails on XX/XX/XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX. Also called them more than 10 times. This is a harassment and mental torture since none of their answers are satisfactory. 

This is a fraud and bad practice as the mortgage lender should apply the principal repayment from the day it was submitted. 

Please look into the matter. 

Thank you.