23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent this request on XX/XX/2021 : I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reported inaccurate. I am aware your job is to maintain accurate records of all my credit accounts. I have submitted letters to XXXX XXXX, and XXXX on XX/XX/XXXX and XX/XX/XXXX stating the inaccuracies on my credit report. Account Name : XXXX  XXXX Account Number : XXXX 1. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. After you have finished my request, please send me a copy of my credit report reflecting these changes. 2. The date of last activity you are reporting for the below accounts dont match my records. 3. A collection is by default late and past due. Remove above mentioned accounts from my credit report due to reporting past due and for inaccuracy. 4. No High Credit limit is reporting on XXXX. The FCRA and Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report. Please see attached proof. 

They not only violated the FCRA with their response on claim XXXX but this company attach the wrong Master Promissory Note ( MPN ) to my response. Please see attachment or go back and look at the attachment with their response. I dont know who this is but you have put all of these people at risk of identity theft with your negligence. I dont know who XXXX XXXX or XXXX XXXX is but they will be contacting you soon. I am concern because my personal identifiable information can be floating out here due to the negligence of ECMC. Please take a look at this company and their practices. Im disputing the the information that is reported to the credit agencies. They are only reporting information that is given to them by ECMC. ECMC is giving out other people information and I am worried my information can be floating out there. Why is my account information attached to their promissory note? Please explain.Please investigate and remove this account due to inaccurate reporting. Please see attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, Equifax, and XXXX are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.
Product: Debt collection

Portfolio is reporting a debt that can not be verified as mine. I have asked this company to provide details of previous payments and original contract showing my signature which they have failed to respond to and or provide to verify the debt. I sent the credit bureaus a letter on XX/XX/XXXX, and the information was never verified, and I was never sent the proof of anything. 

They are reporting 2 accounts FALSELY on my credit report causing severe damage to my credit and finances. I will also be in touch with XXXX XXXX XXXX XXXX to fight this and continue to pursue damages if this is not removed immediately. 

Portfolio also made an ILLEGAL attempt at reaging an account and reporting last activity as XXXX/XXXX/2023 which is FALSE. They are doing this as an illegal attempt to fraudulently continue to try to collect a debt they can not verify. I have never made any payments or taken any ownership of any collection with this company. 

Portfolio is in clear violation of The Fair Credit Reporting Act and is acting illegally as I have the right to an ACCURATE credit report and the burden of proof relies on the debt collector to verify to the person, they claim owns the debt and also report it CORRECTLY. They have never provided my original contract with this company, any payment records or any other proof of what this account is and that it is actually mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX Account XXXX : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Account name XXXX XXXX XXXXXXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove it from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon money was taken by Google pay which was unauthorized on last moth on XXXX XXXX I never opened account for Google pay they are taking money without my consent
Product: Debt collection

I recently requested validation of a debt collections listed on my credit report under the company Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX failed to include their physical/true address ( NOT XXXX XXXX ) on the stationery/correspondence form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. In addition, after speaking with a representative from the NC Department of Insurance whom specializes in the Collection Company general statures, they confirmed that XXXX XXXX  addresses are not an acceptable/approved address to list on any stationery or form correspondence with debtors. 

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] 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 ] Date of Late Payment : [ 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 : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] 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,
Product: Mortgage

Newrez Issued Incorrect Annual Escrow Analysis on XX/XX/XXXX. 

Per Newrez, for Michigan residents, XXXX is when escrow analyze should occur. However, Newrez incorrectly processed my annual escrow analysis on XX/XX/XXXX, NOT XXXX! 

Contacted rep. ( XXXX ) on XX/XX/XXXX for requested correction of Annual Escrow Analysis and was told XXXX days for correction. 

On XX/XX/XXXX unsuccessfully chatted with XXXX XXXX that suggested I mail in request and documents, Although I indicated Newrez website having issues with my attempts to upload/submit documents. 

Please note, effective date of incorrect analysis is less than XXXX  days away, that would create adjustments affecting incorrect escrow balance and loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX  XXXX XXXX XXXX : {$840.00} XXXX XXXX XXXX Balance : {$790.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal limited my account. I made a complaint here and they apologized that it was by mistake and removed this limitation on XX/XX/XXXX. 
Once I started using my account again on Sunday XX/XX/XXXX, they did it again and limited my account again on XX/XX/XXXX after they provided this information to CFPB and closed the previous claim. 

My account is useless again, and this is so frustrating, I cant add, withdraw or move any money or even access the message center to send them any messages again or reply to there previous email when they said that this was a mistake
Product: Debt collection

The XXXX XXXX XXXX was returned back to XXXX due to covid in XXXX of XXXX Also, this account has been closed since XX/XX/XXXX. However, they still failed to report the true balance. They reported the full balance of the car when it was on the showroom floor back in XX/XX/XXXX for {$20000.00}, which is also when the account was opened in XXXX the state of Illinois. XXXX XXXX XXXX sold the XXXX XXXX on XX/XX/XXXX, at an auction and received the amount of {$8000.00} or more. XXXX has failed to report the selling of the vehicle and also failed to report it to the credit agency purposely misleading others regarding this matter. This is a bad act of practice on XXXX XXXX XXXX 
I do not owe this amount therefore it should be deleted forever, This account has been deleted from my credit report several times and added back by the company. This account is right at 7 years and has been displaying the wrong information for quite some time. Now they are threatening to sell or has already sold this bogus account to NCB Management Services that displays I opened it on XX/XX/XXXX and owe them {$20000.00} now this isn't me either never purchased a XXXX XXXX XXXX on XX/XX/XXXX NCB is also included in this complaint as well. Thank you
Product: Debt collection

On XX/XX/XXXX, validation of debt was requested, and no information regarding debt validation has been sent to date. Upon reviewing my credit report, I saw various accounts that were not mine and were reporting inaccuracies. As a result, my credit score, along with my report, has been negatively impacted.
Product: Debt collection

I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC opinion letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Product: Debt collection

XXXX XXXX did not send verification letter with my signature showing that I authorized XXXX XXXX to open an account in my name. XXXX XXXX. I have requested this letter 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was impacted by the Equifax data breach on XXXX XXXX, 2017
Product: Debt collection

I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXXXXXX XXXX put to collection Portfolio Recovery the amount of {$490.00} opened XX/XX/2016. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX   and XXXX  or provide me any signed documentation or any other proof of me authorizing this account.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these 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  Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681q furnishing info under false pretense
Product: Credit reporting or other personal consumer reports

After the pandemic, banks, and the main mortgage guarantors meaning FHA, XXXX, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX  granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by COVID-19. 

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately. 

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications with your institution, these fraudulent entries persist, causing significant distress and financial harm. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling frustrated and disillusioned. 

As a customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I am asking for your assisstance to remove these fraud items in my credit file : 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
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, Financial Assistance Inc received a cease-and-desist notice instructing them to immediately halt communication regarding the subject matter. This notice also explicitly outlined the only permissible ways for them to communicate with me about this purported debt. Financial Assistance Inc acknowledged receipt of this notice in their response to my XXXX  complaint ( XXXX ) by stating : " XXXX acknowledges that we received the consumers cease-and-desist notice on XX/XX/year>. XXXX has noted the file accordingly and taken precautions to prohibit any outbound collection activities on this account. No further contact with the consumer has been, nor will be made. However, the presence of a cease-and-desist notice does not preclude FAIs continued credit reporting of this {$400.00} debt. '' Therefore, XXXX is knowingly choosing to ignore and violate the provisions of 15 USC 1692c ( c ) Ceasing communication. 

Federal law defines communication as : " The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' This means that any act of sharing information about a debt, whether done directly or indirectly, using any means or method to convey that information to any person, constitutes communication. 

On XX/XX/year>, Financial Assistance Inc deleted their trade line from my XXXX consumer report. However, they continue to report their trade line on my XXXX and XXXX consumer reports.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am requesting that the consumer reporting agencies remove the following accounts as it is unauthorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the listed accounts have been reported without my expressed consent and therefore is a result of Identity theft. These accounts are not related to any transactions made by me, XXXX XXXX, the consumer.