23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

ECMC calls from 2 different numbers. XXXX and XXXX XX/XX/2018 XXXX, male caller, identified himself as ECMC. I informed he was calling my employer, calls not allowed, do not call again. 

XX/XX/2018 XXXX, female caller, identified herself as ECMC to my coworker. I informed again she was calling my employer, do not call again. 

XX/XX/2018 XXXX, same female caller, Identified herself as ECMC to a  coworker. I informed again, DO NOT CALL. 

XX/XX/2018 XXXX, same male caller. identified himself as ECMC to a coworker. informed I was filing complaint. do not call again.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

PMI Cancellation XX/XX/XXXX, I requested to get my PMI removed. 
XX/XX/XXXX received noticed from service provider via letter ( Shellpoint Mortgage Servicing ), that I need to pay for a BPO. Payment ( {$150.00} ) sent on XX/XX/XXXX. Their letter also stated on line 3, that I will receive notice regarding the outcome of my PMI removable request and long with a valuation results 30 days of obtaining the property evaluation. An agent did the property evaluation on XX/XX/XXXX. 
I have not received any communication from Shellpoint, with the exception of them responding with a standard letter replying to the email I sent them. Their letter basically said to call them with questions. 
XX/XX/XXXX, XXXX @ XXXX EST - I called. They confirmed that the PMI would be removed effective XX/XX/XXXX, I also requested the letter they promised me to be mailed. 
XX/XX/XXXX - XXXX 's statement showed no PMI removed. 
XX/XX/XXXX - Called again. 1st person stated I should get a response in 30 " BUSINESS '' DAYS, I never heard that before, their letter said " 30 days '', so I told them to escalate the call. The call was escalated to Tier 2 who told me my request to remove PMI was approved and I should see the changes on my statement. Again, I requested the letter promised to me, be mailed to me. 
XX/XX/XXXX - no changes to my statement and no letter regarding the valuations results. 
XX/XX/XXXX - email them again regarding what's the status XX/XX/XXXX - decided to put in a compliant. I feel 4 months of trying is unacceptable.
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX  the sales rep showed up at my home a technician was already there fixing my XXXX XXXX  that I was having repaired. 
The representative offered us a deal that XXXX was having to upgrade my son 's cell phone, which I agreed to. However, instead of opting for the monthly payment plan of the phone I decided to pay for the phone outright, { which you'll see in the attachments that I am sending in this report }. 
However, a week later I changed my mind and canceled my entire account with XXXX because their sales representative provided false information to me concerning the amount that my monthly bill would actually be. Since I was not able to get into contact with him again I went to the store to get this rectified. This is where I found out why I could not get into contact with the rep again was because XXXX had fired him. Prior to that time I did try to contact the rep via text messages but he never responded to any of them. 
Later XXXX reported me to the Collections through a company named Credence Resource Management. This company continually reports me, then when their report falls off of my report they reopen the report again, something that they've been doing now for the past almost 3 years. 
I spoke to a representative from this collection agency a while concerning this matter, but they would repeatedly say that I owed this money and until I paid it they would not remove the charge. Or I could pay a portion of what the balance was to satisfy this collection. I told them at the time that I had spoken with XXXX and that XXXX no longer has any record of this transaction in their system, my name is no longer in the system and since the representative no longer worked for the company there was nothing that they could do. 
Which brings me to contacting you to get this situation resolved. Everytime I get reported from them, my credit score obviously goes down and I don't think that this is fair to me especially since there is nothing that I can do to prevent them from continually reporting me over and over again. And since I know that I do not owe this money I am not paying anything. 

I am providing the reciept for the original transaction dated XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX advertised a promotion consisting of 0 % interest for 4 years on furniture purchases totaling {$1900.00} or more if you apply and qualify for their store credit card through Synchrony Bank. On XX/XX/XXXX I applied and qualified for the 0 % interest for 4 years promotion and obtained the XXXX XXXX XXXX store credit card through Synchrony Bank. Since I qualified for the 0 % interest for 4 years, on XX/XX/XXXX I purchased furniture totaling {$3700.00}. Then, on XX/XX/XXXX I noticed that I had been charged a total of {$1100.00} in interest payments for the past 10 months starting on XX/XX/XXXX on this purchase for which I had qualified and given 0 % interest for 4 years. This false advertising and fraud consisting of a " bait and switch '' where 0 % interest for 4 years was advertised but then I was charged an interest rate of 29.99 % immediately beginning with my XXXX payment on XX/XX/XXXX needs to be corrected. I am asking that Synchrony Bank correct this fraud by issuing me a refund in the amount of {$1100.00} which is the amount that it charged me as interest on a loan that was 0 % interest for 4 years. Synchrony Bank 's financing options can be found at XXXX and payments are made at www.mysynchrony.com
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : I found that your agency has prepared my consumer report with inaccurate information ; which is a direct violation of 15 usc 1681e ( b ). The FCRA states that you have a duty to assure me that information being reporting will always be 100 % accurate and you have failed. 
XXXX : XXXX XX/XX/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 XXXXXX/XX/XXXX I have faith that you will complete a full, proper, and legal investigation as described in the FCRA. After you complete your investigation please mail an updated credit report with all the changes to the address listed above. This investigation must be completed in 30 days once you have received this letter. According to 15 usc 1681i ( a ) ( 5 ) ( A ) inaccurate or unverified able information must be deleted once your investigation is complete.
Product: Student loan

To whom it may concern : I have recently identified some fraudulent activity on my credit reports and have been inquiring from all current creditors validation of debt. I then looked at my credit report and began to suspect false information. Prior to checking my credit report, I offered the company Navient a settlement, to which they replied with a bill statement. I then looked at my credit report and began to suspect false information. At that point, I inquired for a validation of debt, communicating concerns. The company replied to me they had done an, " internal investigation and validated that I in fact owed them alleged amount. '' They did not send me a validation letter as requested. I am concerned that they are illegally collecting a debt from me, as I am a legal resident of the state of XXXX, and understand that in the State of XXXX, debts older than 6-10 years are no longer supposed to impact current credit standing. The alleged debt is from XX/XX/XXXX and I do not recall being the said party that signed on alleged debts and am simply trying to validate I am in fact the obligated party, with original documents with wet signature, and not being pursued for someone else 's debt/fraudulent activity. In XX/XX/XXXX, I was new to the state of XXXX, XXXX and starting school at a XXXX college. At that point anyone could have received my information and done illegal activity. I am now XXXX and questioning this validity. Last year, XX/XX/XXXX, they initiated a call with me stating, " you owe us money, we are a debt collector, it is in reference to your student loans, we want to help you, we will help you by putting you on a reduced monthly payment plan, but you have to do it now. '' So I agreed, understanding I was in default status with student loans and trying to do the right thing. However, now I am questioning the validity of all this. Again, if I am truly the obligated party and this is in fact my debt, I will continue to resolve alleged debt. However, the company is not confirming it is my debt, simply telling me I owe them money for a student loan with no original documentation of alleged obligation and reporting it to multiple credit reporting agencies. I have tried to contact them on multiple occasions and am now concerned that it is an infringement on my rights and the information is false, as it has not been validated, thus, negatively impacting my credit score and standing. Please help me resolve this situation and have this false report removed from appropriate records.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Prepaid Card Purchase Date : XX/XX/2023 PayPal Mastercard Balance : XXXX Excess difficulty during the online activation process of the prepaid card. This complaint does not include difficulty due to personal information during activation process such as social sec number, ID verification, etc. This complaint is due to difficulty activating the card on the activation website. A screenrecord was sent to customer service showing that the website was lacking the functionality to process the activation request. Possible a javascript or browser issue. I made multiple attempts to activate the card on several other devices such as a cell phone and various browsers. Phone calls to PayPal result in excess hold times and multiple transfers to representatives that are difficult to communicate with, prompting me to reach out to the CFPB before contacting my local court for assistance.
Product: Credit card or prepaid card

I received an automated voicemail from " XXXX '' from " The Underwriting Department '' regarding my Capital One credit card. They claimed that based on my payment history I qualified for a 1.9 % interest rate, that I just needed to call back and provide additional information. They said that it was the only call I would receive about the offer and that the offer would expire in 3 days. The phone number provided was XXXX. 

I did not call the number back, I called Capital One. They have launched an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX USC XXXX 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 competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX 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 offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 davs to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If vour office fails to respond to this validation request within 30 davs from the date of your receipt. all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. There are addresses and names listed that I do not know or don't pertain to me. Additionally, there are companies that had pulled my credit in which I did not authorize. Please remove them from my credit profile.
Product: Credit reporting or other personal consumer reports

am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX and experience all those companies right there mess me up I was trying to buy a house and I know I had a XXXX score and they keep saying that they didn't investigation they didn't do no investigation to people doing a lot of lying and they data breached all my stuff from all three credit bureaus have data breach problems my score has phenomenally dropped down to basically XXXX if you could fix that get that stuff I want the correct information I want my signatures I want to see my signature and all these contracts I want verification on every single thing because they're not doing their job I appreciate it very much thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX  XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to provide evidence and verifiable information This is concerning Account Number : XXXX I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and have never received alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
Per the Federal Credit Reporting Act. Section 609 ( a ) ( 1 ) ( a ). you are required by Federal law to Verify- through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As Such, this unauthorized public record information needs to be deleted. I have already filed a complaint with the Federal Trade commission and will follow with a Consumer Financial Protection Bureau Claim you failed to respond within 30 days verifiable proof and evidence thats satisfies Federal Trade Commission debt validation guidelines. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
Since you have failed to provide me with ALL the following points of information all collection attempts must stop and all information that pertains to Account Number : XXXX, Name, XXXX, XXXX must be deleted /IMMEDIATELY REMOVED : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
2. The agreement bearing my signature stating that I have agreed to assume the debt from Original creditor or XXXX XXXX XXXX XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in ( Iowa ) 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 or Agent of Service. 
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. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the XXXX, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees.
Product: Debt collection

XXXX XXXX XXXX  ( XXXX ) is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of XXXX  does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

The following dispute is required of your attention. 
This information is being reported inaccurately and is required to be removed. I have attached correspondence from XXXX as well as Bank of America stating is account was closed with no fraud activity. This information has been removed on chexxystem report as of XXXX. Please update this information on XXXX XXXX to reflect as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.