23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collections letter in the mail dated XX/XX/2019 from the company, Perfection Collection regarding a joint account in my name with the original creditor, XXXX for which I had no knowledge. I called Perfection Collections to make them aware that this was not my account nor was I ever aware of such account and I had not signed any contract for this account nor authorized anyone to sign on my behalf. 

I then called and emailed XXXX on XX/XX/2019 disputing the account, requesting a copy of the contract, and asking that it be voided and the account removed form my credit report. I also mailed certified letters to both XXXX and Perfection Collections requesting the same in XXXX. XXXX responded to my email to their risk department on XX/XX/2019 via phone and email stating that they had researched my issue and that my name would be removed from the account and that the collections would stop and any credit inquiry done would be removed within 30-90 days. Perfection Collection responded to my letter in XXXX by re-sending their initial collections letter and the original contract with XXXX. I sent a 2nd letter via certified mail Perfection Collection in XXXX, 2019 and included the contract, my signature, the email from XXXX, and explained that the contract falsely listed my name and a relative 's name but has none of my personal information ( email address, physical address, phone number, etc. ) and that the signature on the contract was not mine and it did not spell my name correctly. I once again asked that they remove the account from my credit report immediately. As of XX/XX/2019 they are still reporting this account on my credit report, I am still receiving calls from them attempting to collect and threatening judgement and I have not received a response to my second letter regarding the obviously fraudulent contract.
Product: Credit reporting

XXXX was reporting an error to the credit bureaus that my account was open, delinquent and had a balance. XXXX XXXX XXXX sent a letter to me and the XXXX credit bureaus on XXXX XXXX, 2016 correcting the error and explaining that my account balance should be XXXX, closed and not delinquent. Since then, the credit bureaus have continued to report it wrong each month which has killed my credit score, dropping it over XXXX points. I have disputed this account at least 5 times and the last time I faxed the copy of the XXXX letter as proof to the credit bureaus which opened another dispute. The dispute is now closed and Transunion is still reporting XXXX as delinquent, open and the balance keeps increasing each time it is disputed. I have an account with CFPB which includes this letter as my supporting document, refer to case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Equifax respond to my dispute was that they will not remove the inaccurate information from credit report because they stated that I use language that similar to credit repair company. This is totally inaccurate just like the inaccurate late notice that I am disputing. Equifax has on multiple occasions willful violation the Credit Report Act. They dont believe that average customer know the law and that they need to follow and uphold the law a it relates to credit reporting that all information need to be accurate. The late notice from XXXX XXXX XXXX for the month of XX/XX/2020 in inaccurate and needs to be removed. 

CFPB, Equifax has violated the Credit Reporting Act on multiple occasions based on the fact that I have sent them multiple dispute letter with supporting documentation from my XXXX XXXX  checking account showing multiple payments made via automatic payment and phone payment received and made on time as they had requested me to send supporting documentation. It is not right or fair to me and other customer that Equifax can continue to violate the law after they request and receive factual proof and documentation from me or any other customer.
Product: Credit card

I have on more then XXXX different occasions requested a detailed report into the company 's investigation that the fraudulent charges are valid. On every account they said they would and I have failed to still to this day recieve any information other then a generic letter that looks like this : Goldman Sachs Bank USA has re-investigated your transaction dispute and found that no billing error occurred for the following reason : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. 

I am demanding that Goldman Sachs sends me the results of each investigation for each fraud charge and how they came to their decision to that no billing error occurred. 

This has been requested on both the phone, by text and by certified letter.
Product: Debt collection

I have contacted this company asking for applications, or security agreements that was completed by me to show initiating of this account. I have never lived on whatever property they are claiming. And, they continue to provide some type of agreement created online. They will not even forward an application to show if I even applied to live wherever this place is. They even have a page with a generic email of my name as an email which is not my email and never has been. 
They are now saying I owe {$4100.00} for some move out service or something. 

This is not my debt, I did not live here nor applied to do so.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX ) XXXX Balance : {$720.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} XXXX  XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$120.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We have told this collection agency that the person they are looking for is not at our home but they continue to call us.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX, XXXX, XXXX XXXX, XXXX Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXX XXXX  XXXX, NJ XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, RI XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, RI XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Employer XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting

*I have applied for credit, last fall 2014, and was denied because Equifax claims they do not have any record of me. ( XXXX XXXX and XXXX both do. ) * ( Prior to this, in the summer, I mailed a copy of my driver 's license and a utility bill to verify my identity. ) *Since that time I have attempted XXXX other times, via automated telephone systems, to obtain my free annual, and each time have not received anything. 
*The last time, online ( today -- according to their personal verification system ) I was prompted to select from a list the bank that holds my mortgage. I do n't have a mortgage. 
*I hope for a response soon as I am left with no other recourse.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protections laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Debt collection

I am filing this formal complaint against EASTERN account system inc, with the CFPB due to their attempts to collect a debt whose validity has not been verified, despite my repeated requests for documentation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA grants consumers the right to request validation and verification of any claimed debt and requires the creditor to provide adequate documentation proving the legitimacy of said debt.

In response to the collection notice received on XX/XX/year>, I formally contacted Eastern to request full validation of this debt under the FDCPA. In my letter, tracked with reference number XXXX, I detailed the required documentation, including a copy of the original agreement, the name and address of the current creditor, a breakdown of charges and interest, and confirmation that the debt falls within the statute of limitations. However, to date, Eastern has responded only with a copy of a bill in my name, which does not meet the legal standards for debt validation. This incomplete response does not allow me to assess the validity of the debt nor confirm that the amount claimed is accurate and attributable to me.

Requests for Intervention : Immediate Block on Credit Bureau Reporting : Since Eastern has failed to fulfill its obligation to provide complete debt validation as required by the FDCPA, I request that the CFPB intervene to block any attempt by Eastern to report this debt to credit bureaus. Until Eastern meets the validation requirements set forth by the FDCPA, they should not be permitted to take any action that could impact my credit history.

Suspension of All Collection Actions Until Debt Validation : Under the FDCPA, Eastern is required to cease all collection actions until the debt is properly validated. I ask that the CFPB take steps to ensure that Eastern halts all collection efforts and any further contact with me or third parties until complete documentation is provided.

Strict Compliance with the Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that any information reported to credit bureaus be accurate and verifiable. Since Eastern has not provided the requested debt verification, this debt does not meet the FCRAs requirements for accuracy and verifiability. I therefore request that the CFPB take action to prevent Eastern from reporting this debt until its legitimacy is fully established.

Application of Sanctions as Provided by Law : Due to Easterns failure to provide the necessary information within the legally required timeframe and in accordance with FDCPA requirements, I ask that the CFPB consider all available sanctions and corrective measures to ensure that Eastern meets its obligations for transparency and accuracy in debt management. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the special department at Transunion in reference to an inquiry that is a result of fraud. I was given the run around. I was told that even though I have an extended fraud alert and have provided countless documentation showing that I have repeatedly been a victim of someone trying to fraudulantly use my credit. I was given the run around about the most resent inquiry that I disputed. Basically, I was told that I have to start the entire process over, they representative claimed that they dont have a record of a police report, identity theft report or disputes of fraudulant inquiries. I factually sent them this informatio via the consumer finance bureau. Prior to that I sent it several times via mail, daiting back to 2005 when my late first husband 's family member stole my identity.
Product: Debt collection

Elder financial exploitation & credit card fraud from false charges on old/closed credit card account. CapitalOne is aware of this and refuses to address/investigate the fraud/false charges.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processing Delay : For the months of XX/XX/XXXX to XX/XX/XXXX, there was an error in the processing of my payments. Even though I submitted payments on time, they were not reflected on my account due to a delay on XXXX  XXXX 's side in processing. I have provided bank statements and payment confirmations showing the payment dates, which were before the due dates. 
Incorrect Late Payment Status : Despite timely payments, my account was marked as 30, 60, 90, and 120 days late. These entries are incorrect, as payments were made and cleared during those months. XXXX  XXXX confirmed this delay in processing and acknowledged the error in a written communication, which has been attached as supporting evidence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

AT ABOUT XXXX XXXX ON XX/XX/XXXX, XXXX XXXX FROM EULER HERMES CALLED ME TO ASK ABOUT A PAYMENT I AGREED TO MAKE.  I TOLD HIM I WAS JUST WORKING ON IT NOW AND ASKED FOR THE PROPER ADDRESS TO MAIL IT TO.
INSTEAD OF GIVING ME THE ADDRESS, HE TOLD ME HE WOULD "NOW TAKE THE PAYMENT OVER THE PHONE".  I TOLD HIM I WOULD NOT DO IT THAT WAY, THAT INSTEAD I WOULD MAIL IT AND HE LAUNCHED INTO A PERSONAL ATTACK INCLUDING MOCKING MY SPEECH AND MAKING FUN OF ME FOR NOT PAYING ON TIME.  THIS WAS THE MOST UNPROFESSIONAL CONVERSATION I HAVE EVER HAD WITH ANY COLLECTION COMPANY.
HE NEVER ADVISED ME THAT THE CALL WAS BEING RECORDED OR NOT.
HE THEN CONTINUED TO INSULT ME AND MY BUSINESS, CONTINUING TO MOCK BOTH MY LANGUAGE AND SPEECH.

THIS WAS ABSURD AND COMPLETELY ILLEGAL I BELIEVE.


XXXX   
Re: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INC

THIS IS HIS EMAIL SIGNATURE
XXXX XXXX XXXX Collections Specialist

Euler Hermes Collections North America | Commercial Recovery | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX MD XXXX  | Phone: +XXXX XXXX XXXX XXXX  | Mobile XXXX XXXX XXXX XXXX | XXXXXXXX   
www.eulerhermes.us

MY NAME IS XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   informed me that the United State Bankruptcy court provided them an/or reported my information to them in which I wrote the court to find out there procedure for verifying record with the credit reporting agencies. XXXX  still states that its been reported through XXXX XXXX  or what they call a third party. Please look into this matter and not over this matter. Have a blessed day and thank you in advance for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX  XXXX XX/XX/2021
Product: Mortgage

AmeriHome Mortgage failed to pay my homeowners insurance policy from my impound account funds. Upon contacting them, they stated XXXX had no record of me ever having an insurance policy. I contacted XXXX, and found in their notes that AmeriHome has never transferred the payee on the policy from the last Loan Servicer. XXXX has advised AmeriHome on 3 separate phone calls what they needed to do in order to get the policy information, yet AmeriHome failed to follow through and allowed the policy to lapse. AmeriHome also failed to notify me, I found out when XXXX raised my Auto Insurance due to the cancellation of the HomeOwners Policy.
Product: Payday loan, title loan, personal loan, or advance loan

I replaced my carpet last year, with the carpet company telling me that they have 0 % loan deal with Synchony bank that I could use. I opted to use the loan for {$11000.00}, without knowing that the 0 % rate is just for one year ( nobody told me ). Of course the statement is on the paperwork but I didn't have time to read through a long list of things ( this is partly on me ). The loan started XXXX last year, and I set up an auto pay to pay the default amount of money every month. In XXXX this year, Synchony bank charged me a huge amout of interst of {$3600.00}, and then charge money every of the following weeks. The charge is calculated by a 35 % annual rate. There are three issues here : 1. The case is a trick of Synchrony bank played against customers. They purposely set up an auto pay system that does not pay the full amount in one year, and they purposely didn't remind/tell the customer about the one year limit when the loan is set up. 

2. Is a 35 % rate even legal in Michigan? 

3. Even if 35 % is legal, on the original statement, it says 30 % ( I attached the document ). Synchony unleagally changed it themselves hoping the customer does not notice.