23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEBT VALIDATION LETTER Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account # _ Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; XXXX. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX card account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  account number XXXX, XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX bank account # XXXX, XXXX XXXX XXXX  account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

Bank of America denied 2 of my claims that were not authorized using my debit card. 

Claim # XXXX Claim # XXXX Simple explanation from them that I log in to my account and saw my balance I have many bills taking out of my bank account and I usually dont check every transaction, Bank of America has not being helpful and have not help me out with these claims putting so behind my credit cards and car payments, I would like to get this resolved and get this money refunded to me since I only have one job and this is really bad for my current financial situation and Im behind my bills because of this situation
Product: Credit reporting or other personal consumer reports

After reviewing my consumer records, I found instances of late payments listed on an account for which I have consistently made timely payments. Consumer Reporting Agencies play a vital role in accurately reporting consumer information, and it is crucial that this information is represented with the highest accuracy.

I have never missed a payment on the following account : [ SN Servicing Corporation ], [ XXXX ]. I request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, to support the claims of late payments. If you are unable to furnish such proof, I request that these payments be promptly updated to reflect their correct status as on-time, as I have consistently met my payment obligations without delay. 

Additionally, when I first obtained my mortgage with this company, I was informed that they did not report to credit agencies and was never notified of any policy changes regarding this matter.
Product: Debt collection

Alarm Monitoring Services ( " XXXX '' ) located at XXXX XXXX XXXX N.E, XXXX XXXX XXXX XXXX WA XXXX, made alarm subscription charges which I disputed and I requested that the subscription be cancelled. 

When I disputed the charges, XXXX assessed three {$50.00} 'dispute ' charges and a {$500.00} 'collection ' fee, sending a collection letter ( attached ) through Fidelity Information Corporation ( XXXX XXXX  XXXX Phone : XXXX XXXX, CA XXXX XXXX ), demanding payment of {$840.00}. 

The total subscription charges in dispute total {$190.00}. Additionally, XXXX has applied {$150.00} in 'dispute ' charges and a {$500.00} 'collection ' fee, or {$650.00} total, added to the {$190.00} to equal {$840.00}. 

I have attempted in good faith to dispute the subscription charges through the proper dispute process via XXXX  XXXX XXXX. When XXXX sent the collection letter for the {$190.00} subscription charges plus {$650.00} in dispute/collection fees, I filed a XXXX XXXX XXXX ( " XXXX  '' ) complaint ( ID XXXX ). 

XXXX refused to provide XXXX  XXXX XXXX and Mastercard information regarding the {$190.00} in disputed subscription charges, stating in the XXXX  complaint response, it is not their 'policy ' to respond to Merchant disputes. 

XXXX made an offer to settle during the XXXX  dispute resolution process to 'waive ' the {$500.00} 'collection ' fee but that the remaining balance is due and owing. This offer was rejected and a counter offer, requiring the dropping of the {$150.00} 'dispute ' fees and paying {$69.00} of subscription charges. XXXX rejected this offer and stated they are proceeding with collections.
Product: Credit reporting or other personal consumer reports

I've sent over 2 separate letters regarding my consumer report and the errors reported on there that need to be removed. I was recently evicted and misplaced my receipts when I sent out letters but 2 of them have gone unanswered and they just sent me my consumer report saying all the information is verified. Which I know is a quick and easy response to restart the clock in the 30-day timeframe they have to respond. The main inaccuracy that I have an issue with is late payments. Over 15 late payments are being reported on my consumer report, but according to your laws, late payments are excluded from being reported. It specifically states in 15 USC 1681a ( 2 ) ( i ) that " Reports containing information solely as to transactions or experiences between the consumer and the person making the report ''. Transactions and late payments or any kind of payment history are excluded, and also experiences. So how I use my card, and my " experiences '' with using said card are supposed to be excluded from your consumer report. If you look at the definition of a consumer report. Nowhere in there does it say anything about payment history, credit utilization, FICO, XXXX XXXX, etc. None of these items are mentioned in what defines a consumer report. In any consumer transaction, I am the original creditor, using my SS card which is my first credit card. If you do not agree then please see the definition of credit card for clarification. So therefore I extended my credit to these corporations, being how it was the use of my credit which was extended to them in the first place. Another big issue is the XXXX collections reporting on my consumer report. A debt collector is a third party whom I do not have a contract with and who is trying to come after me for evidence of a debt. They do not have any proof of the debt and can not prove that I owe anything to them because they can not produce a contract that has the wet ink signature that I agreed to pay them anything. Debt collectors buy debts, knowing that they are bad debts, and may not ever collect any payment for them. So they can not cry wolf after knowing they bought a pool of bad debt that was a great possibility of not being collected. Each violation of my consumer rights is a minimum of a {$1000.00} fine, and there are many violations on my consumer report. I would like this information removed as it is causing me harm as I mentioned earlier I was evicted not long ago and this inaccurate information is making it difficult to extend any more of my credit.
Product: Mortgage

Last XXXX or early XXXX I asked to have my account enrolled in the automatic payment program at Homebridge. I received a letter saying that it would start in the next few months but that I was responsible for my payments on time until it began. It was XXXX when several days into the month the money hadn't been taken out yet so I paid the bill. The money is due the XXXX. On XX/XX/XXXX Homebridge attempted to withdraw another mortgage payment from my bank account. This attempt was made even though my money had already been deposited and applied into my Homebridge account. When Homebridge attempted to with draw a second monthly payment there wasn't enough money in that account to withdraw so it bounced and I received an NSF of {$29.00} from my bank and {$25.00} from Homebridge. Homebridge attempted to withdraw the second mortgage payment for the month of XXXX for a third time on XX/XX/XXXX, after which I received another {$29.00} fee from my bank. XXXX, my bank, has a policy of only being able to return fees possibly charged in error for two items annually, which they already did for me this year in an unrelated matter. So although they felt strongly that charges should never have been attempted to have been withdrawn against my account and they were aware I had no part whatsoever in the creation of the withdrawals that caused the overdrafts they could not refund the {$58.00} because two withdrawals had in fact been attempted against my account that lacked the funds. 
I called and spoke with a supervisor who explained that a letter had been mailed out stating that the XXXX payment would be made automatically for me. I received the letter after I made the payment. He informed me that he could do nothing about my bank charges, but that he would reimburse the {$25.00} fee charged by Homebridge. It is now XXXX and the {$25.00} is still on my account. I am asking that my account be corrected and remove the {$25.00} fee charged. I am also asking that they reimburse me the {$58.00} charged by my bank for the NSF fees. 
I did try one more attempt to resolve the matter with Homebridge before coming here. I again waited 40 minute + on the phone, went through the whole story several times and was eventually given the email address  XXXX to send the appropriate paperwork to. Which I did. Only to find out its a bogus address. I am sure I have it right too, because she spelled it out letter by letter.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that these matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I entered into a XXXX loan modification as of XX/XX/XXXX. This modification is a Tier 1 loan modification under the XXXX program, which has an incentive. The incentive is entitled the " Pay for Performance '' Incentive under the the MHA Handbook Chapter II : XXXX page XXXX47 section 13.2.1. The provision of that section specifies a payment incentive to borrowers in the XXXX year anniversary after the loan modification date, said borrower 's loan is eligible for a {$5000.00} reduction of the principle and a recast of my mortgage, as long as the loan is in good standing. I have not heard anything from Bank of America regarding their arrangements to enforce the provision of the XXXX agreement as it relates to my mortgage. * Please note - my loan was originally with Bank of America. When it went into default, it was sub-serviced by XXXX XXXX. Once the modification process was completed and entered, the loan went back into servicing with Bank of America. The loan mod was signed while being sub-serviced with XXXX. 
The last communication I had with Bank of America last year regarding the adjustment, they mentioned that it was to take effect in XXXX after I made my XXXX payment. That time has passed, and I have not gotten any type of correspondence or communication from Bank of America regarding the change to my mortgage as it relates to the XXXX agreement. I need this to go into effect immediately, with written documentation of the changes.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX/XXXX/2023 XXXX, XXXX XXXX/XXXX/2023
Product: Credit card or prepaid card

Charged over {$1100.00} by Synchrony Bank Ashley Furniture Credit Card for a credit protection program that I did not sign up for. Called the company at XXXX was told by a supervisor named XXXX that I could only receive a partial refund because I didnt cancel before the 90 day cancellation period. I never signed up for the program. The company is committing fraud.
Product: Debt collection

I have never entered into a contract with this company. The organization that they are collecting for I have never herd of as well as never attended their program. The address they have on file is not mine and is a XXXX XXXX in another state that I have never lived. The coments states it was included in chapter XXXX bankruptcy. It shows a high/limit of {$380.00}. This is not my account and this collection agency has failed to validate alleged debt.
Product: Money transfer, virtual currency, or money service

Actually, XXXX has restricted my XXXX XXXX account since XX/XX/XXXX saying that there's some unusual activities without any reason. So, without any letter, any explanation they restricted my account. Now, in XX/XX/XXXX, I got XXXX Mastercard and bought a phone which gave me 3 % cashback, also I am using apple card everyday and get 2 % Cash Back. These all cash back goes to XXXX XXXX and I am not able to use it because of that restriction, so what to do now? I don't have any way to use it. I am pissed off and calling back and forth every time. I need solution for that. Please provide solution for that. They arrongantly says that's our terms and condition. Without reason They can't just restrict my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting

I have requested that this Bankruptcy be remove many times. This is not mines. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA XXXX XXXX
Product: Checking or savings account

Claim # XXXX is not yet resolved. It was reconsidered and then it got denied again. Why?? This claim is {$1100.00}, XXXX {$250.00} on money order.
Product: Debt collection

I have a derogatory mark on my credit report from an unfamiliar collection agency. 
This agency indicates that there are 2 collection accounts in my name : The first : {$750.00} opened XX/XX/2014 The Second : {$1000.00} opened XX/XX/2014. 
I am not familiar with these accounts, nor have I had any communication or contact with this collection agency. 
I have not been provided with proof of such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts missing from my XXXX  credit report : - XXXX - XXXX XXXX ( authorized user ) - XXXX - XXXX  XXXX ( authorized user ) - XXXX - XXXX XXXX  ( authorized user ) - XXXX - XXXX ( authorized user )
Product: Checking or savings account

I want to know why am I not able to open up a Wells Fargo checking account.