23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally request a copy of the purchase agreement associated with the account Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account. 

If you are unable to provide this documentation within XXXX XXXX of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. 

Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX  XXXX XXXX., XXXX,, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of Account Account Number Provide Physical Verification XXXX No Late Payment XXXX XXXX - XXXX Unverified Account DEPT OF ED/XXXX  ( XXXX ) Unverified Account XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account XXXX XXXX  XXXX XXXX, GA XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Unverified Account XXXX XXXX XXXX XXXX, GA XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX, GA XXXX Unverified Account
Product: Mortgage

When my home mortgage loan began with Green Tree, I signed up for their bi-weekly automated payment program and they initiated the withdrawals from my bank account. One month later my loan was transitioned to Ditech and initially nothing had changed ( due dates remained the same and the automated bi-weekly program continued ). In XX/XX/XXXX, the due date on the monthly statements changed ( 1 day earlier ) and late fees started to accumulate despite the companies automated bi-weekly payment plan. In XX/XX/XXXX, Ditech discontinued their bi-weekly automatic payment plan, so I initiated bi-weekly payments to be paid by my bank without any gaps in payments. All of a sudden, my payments were being applied to bogus late fees that had been accruing without my knowledge. Upon a detailed review of my account payment history, it became evident that principal payments had been applied 3-5 months late. However, the more serious concern is that when I finally got the company to reverse the late fees, 2 payments that should have been applied to principal were instead applied to a future months payment. I have spent many months trying to get this situation corrected, but have been unsuccessful, as their customer service department / call center makes it nearly impossible to reach the same supervisor on subsequent calls. I truly believe that my issues originated with system updates and that if this has happened to me then this has likely happened to other Green Tree / Ditech customers that were utilizing the company 's automated bi-weekly payment program.
Product: Bank account or service

Bank of America is changing the account 'type ' that I originally signed up for and the resulting fees are significant. With little notice, BofA is requiring a balance of {$2500.00} for me to maintain my account 'level ' which came with essentially free access to the bank and free checks. Now they intend charge {$25.00} each month for me to maintain that account at BofA. Also, the line of credit linked to my account will assess a fee of {$10.00} per transfer. This was previously free. These new fees are unacceptable and I do not think it is fair or legal for them to force me to downgrade my account and limit my access to the bank and my money. 
By analogy, this is like buying a new car from XXXX with power windows a few years ago and then hearing from them today that they want to remove the power windows 'benefit ' from my car. If not, they will charge me {$10.00} or {$25.00} each time I want to use the power windows unless I buy a new 'plan ' for {$2500.00}. 
By comparison, the other banks ( and credit unions ) I have funds with are not charging fees for this access to my money nor requiring minimum balances or 'direct deposits ' so I question the legality of the new requirements and fee structures. At a minimum it is poor customer relations not good business. 
My attempts to resolve this with BofA have been rather time consuming and somewhat fruitless.
Product: Credit reporting, credit repair services, or other personal consumer reports

As usual, Equifax has target me and incorrectly reported/verified information. 
My credit utilization ACCORDING TO THEM is 45 % and that is NOT true! 
My utilization is EXACTLY 2 % ON PURPOSE. Im as to which previously I kept at XXXX.
Product: Credit card or prepaid card

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. 
Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name SYNCB/GAP Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$480.00} written off. 
Status Updated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Comenity Bank approved a XXXX XXXX VIsa card for me on XXXX/XXXX/2017. I had made online purchase at XXXX which was approved. I received the card and setup my online account/access. When I tried to use the card it was declined. I thought I did n't activate correctly so I activated it again via the online process. Both the online and voice status of the account indicates that the account is active ( as of XXXX/XXXX/2017 ). Tried to use it again and was declined. I called the bank again and spoke with a bank agent. They told me the account was closed but could n't give me a reason why it was closed. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the XXXX that they pull to approve my initial card application. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. They should not have approved the account to begin with if they were going to turn around and close an approved account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these names and addresses have been used, which could have been due a data breach. 

My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, GA XXXX Any other addresses must be deleted. I have not lived at any other address listed on my credit reports. 

There should be NO OTHER alias names or mispelling of my names. 

There should be NO employment. 

I have provided 1-Valid social security card and 1 Current address.
Product: Debt collection

I have disputed it numerous times because it is not my debt and after careful review of the documents that were provided, the amount that is allegedly owed is incorrect. According to the documents provided by National Credit Systems, there is a balance of {$300.00} due. The breakout of this balance is Online Admin Fee of {$150.00}, Online Appl Fee of {$50.00} and 2 {$50.00} NSF Fees. Per the documents provided, there was only one payment made on this account. How are there 2 NSF Fees? I have disputed this debt with all 3 credit bureaus. Both XXXX  and XXXX have removed this account because the company was not able to validate the balance per the FCBA. The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. I have also contacted the apartment complex and they have no record of me applying for an apartment or living there. I'm not sure how National Credit Systems is getting their information because the person that they claim to have validated the information with is not an employee of the apartment complex or company that this alleged debt is being collected for. I would appreciate it your assistance in this matter. This account has caused me to be billed double security deposits and I want it removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred starting back in XXXX. Despite having sufficient funds when the trans action was authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

Some addresses listed on credit report belong to another family member with the same last name I believe you have me confused with another family member
Product: Vehicle loan or lease

BridgeCrest Credit Company is in Legal Litigation due to my Securities Interest being Manipulated on my Car Loan Application
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a debt from XXXX XXXX I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section XXXX, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX  XXXX US SM BUS ADMIN XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint Regarding Identity Theft and Inaccurate Reporting From : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX Phone : XXXX Email : XXXX SSN : * -- XXXX Date of Birth : XX/XX/XXXX FTC Reference : # XXXX CFPB Case Number : ( Pending Submission ) Date : XX/XX/XXXX To Whom It May Concern, I am reaching out to formally address critical inaccuracies and fraudulent activity reflected on my TransUnion credit report, resulting in violations of my consumer rights. 

Background of the Issue Despite my proactive efforts to resolve this matter, including direct communication with XXXX XXXX and submissions to relevant agencies, discrepancies persist on my report. XXXX XXXX has confirmed they lack sufficient verification to attribute these accounts to me, which highlights a clear case of identity theft. Nonetheless, these errors remain uncorrected. 

Fraudulent Accounts & Inquiries XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5500.00} / {$8900.00} Date : XX/XX/XXXX Type : Personal Card XXXX. XXXX XXXX ( Closed ) Reason : Fraud Not my account Account # : XXXX Amount : {$5000.00} / {$7500.00} Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX Bank XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX SYNCB/Lowes : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX CU : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : Refer to included report Su

pporting Attachments I have included the following : 1. Affidavit affirming fraudulent accounts and inquiries. 2. Identity Theft Complaint filed with appropriate agencies. 3. CFPB Filings ( Pending Submission ). 4. Correspondence, including letters from XXXX XXXX  and XXXX, corroborating my claims. 


XXXX. Copies of my ID and Social Security card for verification.

Applicable Legal Standards 1. 15 U.S.C. 1681s-2 : Prohibits creditors from reporting inaccurate information with knowledge or reasonable cause of its falsity.

2. 15 U.S.C. 1681c-2 : Mandates the removal or blocking of information resulting from identity theft.

Precedent cases such as Smith v. TransUnion LLC underscore the legal obligations of credit bureaus to ensure accuracy and compliance with the Fair Credit Reporting Act.

Request for Action I request the following immediate actions : 1. Removal of all fraudulent accounts and inquiries listed above. 


XXXX. Deletion of the address XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, as it is unrelated to me. 



This matter requires urgent attention to prevent further harm to my financial integrity. I trust TransUnion will fulfill its obligations under the law. Please provide written confirmation of the corrections within 30 days. Should this issue remain unresolved, I will consider additional legal remedies. 

AND FOR THESE CREDITORS TO BE BLOCKED FROM ACCESSING MY CREDIT REPORT IN THE FUTURE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX Email : XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Potentially XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX negativeDate XXXX $ XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXPotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. $ XXXX account. $ XXXX XXXX XXXX XXXX XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX inquiriesXXXXInquired XXXX record untilMay XXXX XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXXXXXX XXXXInquired XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record XXXX XXXX XXXX record untilJul XXXX XXXX
Product: Debt collection

XXXX XXXX/Hunter Warfield ... I moved from an apartment the company was awarded possession of the property and no monetary judgement. I moved out in XXXX 2013, I did not sign a new agreeement or lease. I am providing a copy of court order granting them possession of apartment only .... I dont owe them any money .. The company reports this information to all bureaus, XXXX, XXXX and XXXX The judge awarded them possession of apartment which I left clean and in good standing ... The company keeps reporting this information through various companies and I want it removed I want it removed from my credit report immediately ....
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER FILING A COMPLAINT ON XXXX IN REGARDS TO THIS ON GOING ISSUE OF UNKNOWN COLLECTION ACCOUNTS, INQUIRES AND ADDRESSES REPORTING ON MY CREDIT REPORT. I HAVE REQUESTED A REINVESTIGATION AND REQUESTED A DESCRIPTION OF HOW THE INVESTIGATION WAS CONDUCTED ALONG WITH THE NAME, ADDRESS, AND TELEPHONE NUMBER OF ANYONE CONTACTED FOR INFORMATION. THIS WAS SENT ON XXXX. 

I CONTINUE TO SEE INQUIRES ON MY TRANSUNION REPORT THAT I DON'T HAVE AN ACCOUNT WITH NOR DID I AUTHORIZE OR CONSENT THE USE OF MY CREDIT FOR THOSE PURPOSES. IF YOU HAVE A CONTRACT WITH ME & THOSE COMPANIES PLEASE PROVIDE THEM. MOST ARE DUPLICATES. XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX


I ALSO CONTINUE TO SEE COLLECTION ACCOUNT OF WHICH I HAVE YET TO RECEIVE ANY SIGNED CONTRACTES I HAVE WITH THE COMPANY AS WELL AS THE COLLECTION AGENCY SHOWING PROOF THAT I OWE THEM ANY DEBT.

OPENED - XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYERS - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
I HAVE UPDATED ALL MY CURRENT INFORMATION AND ANY OLD INFROMATION SHOULD BE REMOVED & UPDATED.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt. 
XXXX XXXX Balanced {$4000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax did not do a proper investigation I requested proof of original signature proof of chain of title, and insurance claim on the debit they're claiming I owe. Equifax refused to do a proper investigation instead they kept coming back as very I ask how theyre verifying without sending me the information I requested and each time they ignore me.no response from Equifax please help I'm simply asking Equifax to verify the company XXXX XXXX I need original proof of signature. Any insurance claims on this account. Do they have the chain of title to collect on this debt because i believe they're fraud and I'm getting no response. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Account Number * XXXX