23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year>XXXX  Revenue Enterprises XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Request for Purchase Agreement and Notice of Legal Violations Dear Sir/Madam, I am writing in regard to a medical debt you are reporting on my credit file. I wish to formally request that you provide the original purchase agreement and any other documentation validating that this debt is indeed mine. Additionally, I would like to address the fact that reporting medical debt in the manner that you have may be in violation of applicable laws. 

As per the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I have the right to request and receive verification of any debt within 30 days of receiving an initial communication. Therefore, I request that you provide the following documentation : 1. The original purchase agreement or contract, including the terms under which the debt was incurred.

2. Any records or documents proving the assignment of this debt to your agency, including the chain of ownership.

3. Any other relevant information that substantiates your claim that this debt belongs to me. 

Additionally, I would like to inform you that under the Health Insurance Portability and Accountability Act ( HIPAA ), medical debt collection is subject to strict guidelines regarding the protection of personal health information. Furthermore, according to the Consumer Financial Protection Bureau ( CFPB ) guidelines, medical debt should not be reported to credit agencies before 180 days after the date of service, giving consumers time to resolve any insurance or billing issues. 

If you are in violation of these provisions, I will take appropriate steps to dispute this debt and ensure that it is not reported improperly. 

Please provide the requested documentation to the address listed above. If you can not verify this debt, I demand that all collection efforts cease and that any negative information related to this debt be removed from my credit report. 

Thank you for your attention to this matter. I expect a response within 30 days as required by law. 

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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX   XXXX  # XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Product: Mortgage

I have been trying to have been trying to get a short sale offer reviewed for several months now.   Time after time I have been giving misleading or incorrect information about my file and the status of the review. the continue to lie and not review my file. I have had to extend my sheriff sale until the end of  XXXX  to give them enough time to review and still they have not come to a decision. Now I followed up today and was told by  XXXX  agent ID :  XXXX  that file again has been closed out and NEVER reviewed by   XXXX  . This is wrong they have lied to me every time I called and now I might not be able to resolve this issue.     Please see below my calls with several agents AND a Supervisor Spoke to  XXXX  Agent Id :  XXXX  Still no update and currently they do n't have a sale date in their system. Still is showing up in the sheriff listing. Either way he told me to follow up by the end of the week that they did not have an update yet.    XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   -  XXXX   XXXX  Spoke to  XXXX   XXXX  Agent ID :  XXXX  He let me know that the file was submitted to  XXXX  and the review should be completed today. to Follow up tomorrow.    XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -  XXXX   XXXX  Spoke  to Ocwen   XXXX   Agent ID :   XXXX  As of  XXXX   XXXX  a request for the file to be reviewed by  XXXX  team was out in. They now do n't have a sale date in their system so  XXXX  sent the  XXXX  an email to review. she said we should have an update w ithin 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -   XXXX   XXXX   Followed up with  XXXX  li en Ocwen. I Sp oke to supervisor  XXXX  agent ID :  XXXX  their system was not updated with new sale date for  XXXX   XXXX  and they were not reviewing the file. I sent the proof sale date has been postponed and they are AGAIN resubmitting the file to  XXXX  team for decision. I was told to fo llow up 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Spoke to  XXXX   Agent I D :  XXXX  from SS department he let me know that their system has not been updated yet with new sale date. That he noated that we received a postponement until the  XXXX  and that the file would be resubmitted. He wants me to follow up Thursday  XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   Spoke to relationship manager o n the file. the file has been escalated due to the sale date scheduled next friday. they also had me make a correction to the  XXXX . I have another appointment with the relationmanager tomorrow @  XXXX  (   XXXX     XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX  file is complete can take 3-4 business days for decision. have an appointment t for  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$9400.00} XXXX  XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX  XXXX Balance : {$480.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX multiple fraudulent transactions using cashapp and my debit card from Bank of America was done on my checking account resulting in the amount of {$3400.00}. BOA has since denied my claim and locked my account. I have escalated this matter twice and resulted in a determination being done within XX/XX/XXXX minutes of the claim being updated. I tracked progress and requested multiple updates to which none where to avail. I was forced to take time out of my day from work to go to local branch/financial center just to call to get an update. Im now homeless and out of a job due to this matter. I will be seeking legal action against BOA in regards to lose wages, emotional distress and negligence.
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, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DPT ED : # XXXX. 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 th
e information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

You have multiple address and names on my credit profile. You should only be reporting my only one and only verifiable address and real name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC Under the FCRA, you must re-verify the items and get them removed within 30 business days of receipt of this letter, to avoid violation of the law. Please notify me of the changes and forward me the updated copy of my credit report to the address referenced above.
Product: Checking or savings account

XX/XX/2023, I realized my account with Kikoff was closed and I didnt get a notice until after it was already closed when I checked my email. I was going to pay for my copay for the eye doctors because I thought I had a scratched eye. They seized all the money I had at the time and I almost couldnt be seen to fix my eye. It wasnt for my friend I couldve went XXXX since I couldnt pay for anything and I was sitting there looking stupid. I tried calling calling there support number but it kepted asking for a card number or my ssn. The automated voice couldnt recognize neither since I guess my account was already closed. So I had to email them in which I had to wait 2-3 buisness days for them to reach back to me and it states At this time our fraud team has investigated the account and has processed a closure of the account due to inconsistent information found. We do regret to inform you that this action is permanent and will need to refer you back to your financial institution for any further action on funds sent to the account. 

We thank you for your cooperation in the investigation and wish you well on your financial journey. I find that to be crazy because I can verify all of my information. All they needed to do was contact me! As of now I dont have any money and I have to open up another account for my direct deposit. They wont give me my {$220.00} until XX/XX/XXXX. I need that money because I am supposed to be going on vacation soon. This is all an inconvenience to me and its not fair because I actually liked using them as a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard inquiries XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX
Product: Credit card or prepaid card

I received an unsolicited credit card from Ignite. My understanding is that this is an illegal practice.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX, ACCOUNT NUMBER XXXX, XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, ACCOUNT NUMBER, XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals
Product: Credit card or prepaid card

In XX/XX/XXXX, I cancelled the XXXX card that I took out in XX/XX/XXXX, because none of the inducements to applying for the card had been provided. When I called and asked that the annual fee of {$95.00} be refunded, that request was denied. I have paid all the amount due on my card, less that {$95.00} and wrote to them disputing the debt. They have made no attempt to resolve the issue and instead have charged late fees and interest and have now taken the step of reporting me to the credit agencies as delinquent on the account in an attempt to bully me into submission. They have lied, deceived and made it as difficult as possible to try to access the benefits promised. 

I request that the debt be written off and Barclays Bank be required to do whatever is necessary to repair my credit record with the 3 reporting agencies.
Product: Student loan

i have applied 2 times to IDR and 2 for Public service loan forgiveness XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. mohela keeps messing my information and first they approve me then they denied me. i am very confused and unless someones takes a looks at my account and fixes all the errors. dont XXXX with my livelyhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank forced me to go through XXXX factor authentication to login to my account. I changed my phone number on XX/XX/2020, but US Bank still defaulted to my old number. I was unable to login at all to pay my credit card, resorting to calling and being stuck on hold for more than XXXX minutes each time. I have called on many separate occasions to US Bank to update my number, and they assured that it is fully updated when it was clearly not. I am a low income student that spends most of my time to support my family and my elder mother and go to school. This impeded my life harshly. US Bank ended up closing my account, and I ended up paying off the credit card anyways. I tried to ask US Bank if they can help me with my payment history due to their issue causing me difficulties to pay the bill, they basically told me to XXXX off and they wont help me. This caused my XXXX XXXX to tank even lower. Fast forward to last month I created a business checking account with US Bank with the phone number I changed to 3 years ago. I still am not able to login to US Bank, resorting to changing my password every time as a loophole to login. It keeps sending the authentication to my old phone number, which poses a serious privacy risk. I have just contacted US Bank and they have finally transferred me to the right department. When I spoke to the specialist, he informed me that the previous associates that helped me only changed my contact number, and not my XXXX factor authentication phone number. I was mislead and fooled the whole time by US Banks mistakes. I am hoping to purchase a house in a few years to give a permanent roof over my mothers head, and this is hurting my score tremendously. It is very shameful that this is still going on today. My business checking account is registered to my new number but still locking and sending texts to my old number, exposing me to risks and threats against me. 
I have launched disputes from all three credit reporting agencies, but they have all stated nothing was wrong and did nothing about my dispute. 
I would like to get the late payments removed from my US Bank credit card if possible. I have not missed payments at all on my other XXXX credit cards. US Bank has put me in a terrible state emotionally due to this, and I am not confident in purchasing a house in the next few years anymore due to my score tanking from US Banks mistakes.
Product: Mortgage

XX/XX/2023, After talking with a mortgage company representative on the phone, per their instructions, I posted a signed letter + signed form on the mortgage company 's portal requesting closure of my escrow accounts ( taxes/insurance ). 

XX/XX/2023, The mortgage company denied my request with with a response in the portal followed by a formal letter in the mail. They are denying my request because my XXXX is XXXX XXXX or greater. This is an error in their own recordkeeping data. The mortgage company cancelled the XXXX  on my mortgage on XX/XX/2023, because my XXXX is calculated to be less than XXXX XXXX per an appraisal performed by a third party in XX/XX/2023. 
XX/XX/2023, In a subsequent call to the mortgage company , the call center representative noticed that the mortgage company has not removed the XXXX  indicator on my loan- though XXXX  ended XXXX calendar days ago. The XXXX  indicator is still present in their own system on my loan- erroneously -- and they are automatically denying my request to close my escrow accounts. This loan meets every single criteria for escrow closure i.e no late payments, no missed payments, not XXXX, XXXX below XXXX XXXX, etc., etc. 

XX/XX/2023, I have called the mortgage company two times about this issue. I have posted multiple messages on the mortgage company 's portal indicating there is an error in their XXXX calculation. No one from the company will return my call.
Product: Credit reporting

inquiries were removed from my credit Inquires I recently checked my credit report and see that inquries have been reinsert ed and I was not given a 5 day notice.
Product: Student loan

I 've been working to pay off my student loans over the last two months and twice I submitted payments that were applied incorrectly and on XXXX of the payments they tried to short me {$1000.00}. They were unreceptive to my complaints regarding the incorrect payments both times and even though I followed the website 's instructions to the letter, they still applied the payments incorrectly. I read in the XXXX about the lawsuit regarding Navient and I wanted to ensure my complaint was lodged.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems is reporting to all 3 credit bureaus the balance of XXXX for XXXX XXXX XXXX  when the amount was paid in full. The apartment complex had alot of the employees stealing rent money orders, etc. This debt has been sold and I am requesting that it is removed from all three credit bureaus before further action is taken.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, my identity was used to fraudulently open an installment loan for the purchase of appliances at XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. 
The thief applied for the loan by phone and email through American First Finance and received approval for the loan amount of {$3300.00} from XXXX XXXX. 

The thief used an old address, old phone number, and was not asked to provide any ID to complete the purchase. The loan application and sales receipts don't even have addresses and phone numbers that match. 

I have disputed this account with American First Finance and I am being ignored by XXXX bank. XXXX tells me to deal with American First Finance because they are the loan servicer. 

I have filed reports with the FTC, XXXX, and local law enforcement but all attempts to remove this fraudulent account from my credit have failed. 

I have been deemed responsible for a debt that I did not initiate, authorize, or received goods for, all because these three companies did not confirm the identity of the person who opened this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report, which I believe contain inaccuracies and are unjustly affecting my credit score. I have carefully reviewed my credit report and I have identified discrepancies that require your immediate attention. 

**See letters about the details of my dispute.
Product: Credit reporting or other personal consumer reports

I sent a letter requesting for my personal information to be updated in accordance to my accurate information detail
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Social Security Number : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I recently reviewed my XXXX, Experian credit report and noticed a late payment posted on my account with XXXX XXXX : Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I have never been late on this account and am requesting that you provide documentation proving that a late payment occurred. If you can not supply this proof, I request that you DELETE this alleged late payment from my credit report per 15 USC 1681b. 

Your company is in clear violation of the law. Under 15 USC 1681b - Permissible Purpose of XXXX XXXX, it clearly states that consumer reports can only be furnished under specific circumstances, none of which apply here. 

In addition, the Fair Credit Reporting Act, 15 USC 1681 ( XXXX ) ( a ) ( i ), defines exclusions for consumer reports, and the information you reported falls under these exclusions. 

Failure to address this dispute properly will result in legal action, where I will seek {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Please delete the incorrect late payment and provide me with a free copy of my updated report after the changes have been made. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX