23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re :  Account #  XXXX  To Whom I t May Concer n : This letter is regarding account # which you claim my account was charged off {$870.00} This is a formal notice that your claim is disputed.     I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. P lease note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX   ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the F air Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.     Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.   Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Sectio n 807-8 ) Y ou will be required to appear in a court venue local to me, in order to formally defend yourself.   For the purposes  of 15 USC 1692 et seq., th is Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.     Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of   status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION
Product: Credit reporting or other personal consumer reports

I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report. These are the the fraudulent inquiries : 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 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to Gensis and can not get any assistance to remove this. I am reaching out to you for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and seen the following inquires I do not recognize. As per FCRA Section 609 605 and 623 Please Provide record of consent for this inquiry and record of accuracy. 

1.XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4.XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
5. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
6. XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
7. XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
8. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
9. XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

My Remitly account has been suspended without cause. 

I use Remitly to send money to my family in XXXX since XX/XX/2020. XXXX, XX/XX/XXXX, I tried to log in to my account, but the following message was displayed " Your profile is locked. We've noticed some suspicious activity and took some precautions. Answering a few questions should clear this up ''. 

I immediately contacted the company via chat and they informed me that my account has been suspended because something indicated that I have violated the user agreement. 

I have been a loyal customer for years and I have read the user agreement and I did not violate anything. I asked to appeal and they asked to make an appeal and follow the instructions on this page XXXX XXXX XXXX XXXX XXXX 

I have not received any emails from the company informing me previously that my account was suspended or that they have received the appeal for my case. 

In addition to that, the company has a referral program that grants the customer {$30.00} per new customer that signs up and uses the Remitly service to send money. Because I advertise my referral link in my social network, I currently have more than {$150.00} that has been blocked on my account. So essentially, by suspending my account the company has blocked the referral bonus that I've earned, which is unfair and illegal.

I ask that the company unblock my account so that I can continue to use the service to send money to my family members.

I'm a loyal customer of Remitly and I'm very upset about how my account has been suspended unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A job place that I had applied for checked my background information and this information seems to be be very in accurate it must belong to someone else because I never went to jail in XXXX or XXXX nor did I have a criminal background that early in my life this is a huge error and Im very upset to see this
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXXXXXX XXXX XXXX XX/XX/2023
Product: Debt collection

Last Reported XX/XX/XXXX Collection Agency PHOENIX RECOVERY GROUP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3000.00} High Balance {$3000.00} Remarks Account information disputed by consumer, meets FCRA requirements I have disputed this debt several times through email correspondence with the company, in addition to the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.
Product: Money transfer, virtual currency, or money service

I sent a XXXX some time ago to the wrong person in my contacts and I was not able to get my money back.
Product: Credit card or prepaid card

Over the past several months, fraudsters have tried to open credit accounts in my name with several banks including Bank of America, XXXX, XXXX XXXX, and XXXX. The criminals have access to my identification due to the XXXX data breach that occurred in XXXX. So far, no accounts have been successfully opened. 

Today, a new attempt for credit in my name was made with Bank of America. I received an email stating that an application had been received for an XXXX  XXXX credit card in my name. The reference number given for the application attempt is XXXX. The applicant used my name and social security number, but used a different mailing address. I have requested the bank send the application to me for review. The bank is complying with that request. The sender of the email was identified as : Bank of America XXXX. The email looked legitimate. 

I'm concerned that sooner or later, someone will succeed in opening an account, or will succeed in accessing one of my active or currently closed credit card accounts and start using it as their own. 

I have frozen my credit with all 3 credit unions and have credit monitoring turned on. However, humans make mistakes and/or not all banking staff is honest and I fear that my financial health is significantly at risk for major damage. 

What else can I do to protect myself besides paying significant costs for insurance to protect me from abuse of my identity?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) in conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureaus ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnihers, accepting unreliable responses and failing to adequately notify consumers of dispute outcome.
Product: Debt collection

I received an alert today from my credit monitoring service. Collection agency COMMONWEALTH FINANCIAL, date reported XX/XX/XXXX, original balance {$520.00}, account number XXXX. Contact information not reported, XXXX XXXX XXXX  XXXX XXXX, PA XXXX. First delinquency XX/XX/XXXX. Its being reported by credit bureaus.This is clearly not me i have never received any written notice of collection or proof of verification & validation required by the fair debt collection act. Furthermore there is no phone number for me to call & speak to a real person. This debt has already been disputed & removed from my credit report with a different company for the same amount. I also have proof that there was no previous collections on my credit report in previous months. I 'm in the middle of buying a house & this has dropped my score over 70 points & making it impossible for me to close. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Student loan

This company appeared on my credit report about 3 years ago, with a debt that shows from 2008. They have called my mother tell her that I had an emergency situation and that they need to get in contact with me. They have called my local union hall and relatives. 

I have requested that Navient validate the debt on 3 different occasions, once over verbally and twice in writing. I have filed with fraud claims with all three credit bureau and have successful at removing item from one. I reached out for legal advise and the stated that I should file my complaint with the Consumer Financial Protection Bureau.
Product: Checking or savings account

My XXXX  account was restricted and they are holding my funds that I need I have no money and customer service won't give me a straight answer I don't see how they can just hold my money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter about inaccurate, misleading, and unauthorize things on my credit report. It has been over 60 days since I sent this letter without receiving any response,. I feel like they are neglecting and ignoring my disputes. According to Section 611 ( a ) any failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, given that it has been over 60 days, these items should be deleted immediately! If these accounts are not deleted immediately, I will file for litigation due to the overwhelming stress this has created in my life. Also, my information was also breach during the equifax data breach and may have gotten into the wrong person hands.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my most recent credit report and notice that I have been a victim of identify theft. There are hard inquiries in my name that I did not authorize. I ask that these items be removed and corrected from my credit report within XXXX  days.
Product: Checking or savings account

On XX/XX/2020, I received a deposit in my account for an economic injury stimulus package. TCF National Bank placed a hold on the account, so in no way that I utilize the account, I could do urgent business. I have called and tried to resolve this matter with many attempts. I was told the hold would be released 24-48 hours and it has been a week. Their verification process has taken longer and is very misleading to me as a consumer. They continue to hang up as I get through to a representative. This is not being resolve in a timely manner and I have been working on the issue with an enormous effort. The deposit is strictly for business purposes which is the reason, being a XXXX XXXX, it was placed in to my account, as well as tax purposes and filings.
Product: Credit reporting or other personal consumer reports

Score has dropped by XXXX points in the last 2 months for no reason ( XXXX, XX/XX/2024 ). I am never late on payments, credit utilization is low, no new accounts opened, have long history of credit open. I have no reason for the significant drop in credit score, my accounts are frozen with the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I obtained a consumer disclosure credit report from FActor Trust. The report number is XXXX. Factor Trust is housing and reporting inaccurate information. I have not given nor have I consented to Factor Trust sharing and or reporting any information as they have No Permissble Purpose. I hereby request that Factor Trust place a security freeze on my report and Cease and Desist from providing information about me. I have attempted to place the security freeze online via their website however the inaccurate information they have is not permitting me to do so. I've called XXXX for assistance and it all automated and no human answers to assist me.
Product: Prepaid card

I have had my PayPal debit card since XXXX. I have had no trouble using it until I got a deposit for a refund from my college for {$1200.00} on XXXX, XXXX. It shows the deposit came from XXXX XXXX, on XXXX XXXX they locked my card they said for suspicious activity and refuse to tell me anything except I cant have my money for 120 days. They tell me when I call I will receive an email but never do. I saw online after the fact that they have been sued for this and have done this to lots of people. I am now going to lose my grant money because I can not buy my books to go to my next semester. They refuse to let me talk to a manager or tell me anything they just say they can do it and nothing I can do about it. They will not even explain what is suspicious about a deposit from a college. I took out a loan from my school to be able to get my kids some XXXX and get on my feet we are homeless as it is. I lost my job and was counting on this money.
Product: Mortgage

I have XXXX concerns with the mortgage servicer, Caliber Home Loans:1 ) I was provided an annual escrow disclosure statement by Caliber Home Loans and notified that my shortage was {$92.00} on XXXX XXXX, XX/XX/2015. I paid the mortgage shortage amount in its entirety ( {$92.00} ) and the funds were posted on XXXX XXXX, XX/XX/2015, but listed on my XXXX statement as " single item receipt. '' I contacted the servicer to determine whether the payment was misapplied and why the monies I sent were not applied to the escrow shortage as directed on my check, and informed that they would counduct a new escrow analysis on my account. In the meantime, my new statements reflect the increased amount of $ XXXX/month from {$710.00} ( prior to the escrow shortage statement ) which includes an escrow adjustment amount of $ XXXX/month which should have been satisfied with the escrow shortage payment. 
2 ) I inquired with Caliber Home Lans whether my account was eligible for cancellation of the private mortgage insurance on this account. I faxed a letter on XXXX XXXX, XX/XX/2015 to an address and phone number supplied by the customer service representative : Caliber Home Loans, Attn : PMI Department, XXXX XXXX XXXX, XXXX, TX XXXX and fax number, XXXX. I contacted Caliber Home Loans again on XXXX XXXX, XX/XX/2015 and spoke with XXXX ( ID # XXXX ) who indicated that my request was received on XXXX XXXXXX/XX/2015. Based on my payment history ( no late payments ) and length of my mortgage, he confirmed that I qualify for cancellation/termination of private mortgage insurance ( PMI ). To date, I have not received a written acknowledgment from Caliber Home Loans of my request for cancellation, or instructions on next steps. A review of my statements, however, show that I 'm paying approximately $ XXXX/month in private mortage insurance. I would prefer that those monies immediately be applied to the principal of my loan, and not to a financial instrument that I 'm not required to have, or desire to have any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this CFPB Complaintin accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. When I checked my credit report, I found that part of the information was inaccurate. The three credit reporting agencies must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and removed : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were NOT authorized : XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX CXXXX 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 XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract withXXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX and myself! Please send the proper validation
Product: Mortgage

I purchased a new contruction home on XX/XX/22. The construction was completed a week prior. I asked my loan servicing company 5/3 Bank to provide me a Broker Price opinion for the purpose of removing my PMI as I believe the current market value gives me a greater than 20 % equity position on the loan. 

They made me fill out a from indicating the improvements made to the home as part of the application process fro my BPO request. They subsequently denied my request for the BPO citing that the improvements made do not qualify as substantial. 

I believe they are abusing the requirement for substantial improvements given that the home was newly constructed at the time of purchase. I have added permanent fencing to a large portion of the property and I have landscaped the rear of the property which was not included with the purchase of the home. I have also added permanent window treatments throughout as the home did not come with any at the time of purchase.

Please see my application form to 5/3 Bank attached.
Product: Debt collection

This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX XXXX court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX XXXX Register of Deeds : Document # XXXX.
Product: Credit reporting or other personal consumer reports

I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included XXXX XXXX XX/XX/XXXXXXXX,XX/XX/XXXX,XX/XX/XXXX XXXX and lvnv lending. I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.