23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) ACCOUNT NAME & NUMBER : LISTED BELOW XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX XXXX - XXXX ( TRANSUNION ) XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS NEED TO BE DELETED BECAUSE THEY HAVE DELETED OFF MY OTHER XXXX BUREAUS XXXX & TRANSUNION AND XXXX & XXXX
Product: Debt collection

Please be advised that as of ( XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting validation of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation. 

Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved
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.

Enhanced Recover Company 20931 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Debt collection

XXXX, XXXX, XXXX is reporting a fraudulent account. I file a report with identity theft .gov. Report number XXXX and XXXX Enhanced Recovery Company {$450.00} date opened XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulent and illegal information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Date Opened XXXX, XXXX, XXXXXXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX {$1100.00} Date Opened XXXX  XXXX, XXXX XXXX {$12000.00} Date Opened XX/XX/XXXX XXXX {$8900.00} Date Opened XX/XX/XXXX XXXX {$510.00} Date Opened XX/XX/XXXX XXXX  {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX
Product: Mortgage

S L S is attempting to foreclose with a fraudulent assignment. My loanWas originated with XXXX  XXXX XXXX  the loan is toxic and was And was a part of the XXXX  XXXX settlement that I have asked for proof of claim I have also submitted QWR. Neither XXXX XXXX or S L S have responded to my concerns are disputes. The assignment was created after the cutoff date of the trust which is found in sections 201 of the trust Nc2 2006 -NC2 for XXXX XXXX XXXX XXXX is serving as Trustee. This same trust as been before the courts many times for mortgage fraud and wrongful foreclosure.
Product: Debt collection

This debt was put into collections and ruined my credit on all XXXX credit bureaus and they refused to provide original documents attaching my name to the debt. Refused to provide me with proof the debt was mine. I told them my attorney would be reaching out and was going to proceed with legal action after 6 months of fake reports. Then they removed the collections debt from all XXXX debt XXXX. Now it has shown up again under a different debt XXXX name with the same debt. This is not my debt. They can not prove that it belongs to me. They have violated my rights. All of their business practices are illegal
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to file a complaint against TransUnion regarding ongoing issues with accessing my credit report and dispute information. 

Despite having multiple active disputes and requests filed ( with dates XX/XX/year>, XX/XX/year>, and XX/XX/year> ), I am experiencing the following issues 1.I am unable to view my updated credit report, receiving a message that I can only view it once every 24 hours, even when eligible for updates.

2.The dispute status page shows a perpetual Loading screen for active disputes, preventing me from accessing critical information about my case status.

3.While some dispute results are marked as View Dispute Results, others are listed as Delivery by postal mail with no online access option. 
4.My credit report was last created on XX/XX/year>, but I can not access updates despite having recent dispute activity. 

These technical issues are preventing me from exercising my rights under the Fair Credit Reporting Act ( FCRA ) to monitor and manage my credit information effectively.
Product: Debt collection

Account appeared on my credit report. I am unaware of the debt. They refuse to remove after several disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

BarclayCard credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau XXXX. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$420.00}
Product: Checking or savings account

On XX/XX/year>, I deposited a check of {$1600.00} ( US dollars, picture of check is available ) at Truist XXXX XXXX branch ( XXXX Powers XXXX XXXX, XXXX, GA, XXXX ). The funds were credited on the same day. On XX/XX/year>, a charge of {$540.00} appears on my account. I called the bank to investigate and the charge was because Truist ( incorrectly ) assumed that the check was in XXXX dollar, since it was emitted by a XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). But it is stated on check paperwork that the check is in USD. I went to the same branch on XX/XX/year> and met the branch manager, XXXX XXXX, for nearly XXXX hours. XXXX XXXX listened and made several calls and chat and confirmed then that Truist had made a mistake and that he will proceed to credit the {$540.00} to my account. I have followed via e-mail ( e-mail chain can be provided ), and on XX/XX/XXXX, XXXX XXXX informed me that I should claim the difference to XXXX XXXX XXXX XXXX or in other words, that Truist would not reimburse me the {$540.00} that they incorrectly charged me
Product: Credit reporting, credit repair services, or other personal consumer reports

The injuries and inaccurities remain on my credit unverified. Transunion continue to provide and furnish all of these inquiries on my credit profile under my social security number. I have proof of XXXX priority postages that my disputes was indeed signed for. Transunion continue to ask for proof of identity when I sent them a utility bill, ID, and a copy of my social because they demanded I turn these forms over to verify the account. I now they are committing fraud on behalf of my social security number. The inquiries is still unmarked or disputed to this day. Please Remove Now.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ _________________________
Product: Credit reporting or other personal consumer reports

I currently have a personal statement, fraud alert and extended fraud alert listed and showing on my Experian and XXXX credit report. I want the personal statement, fraud alert and extended fraud alert deleted and removed from my Experian and XXXX credit report.
Product: Mortgage

Citibank charged off my mortgage, after paying on time for 10 plus years, because they stopped the direct debit ach payment without notifying me, in writing, email, phone, or otherwise. When I finally noticed the payment was not being made it was too late. A collection agency has ownership of the debt, my credit score plummeted ( it was XXXX ), and there 's little, if anything, I can do.
Product: Credit card

Since Synchronicity bank replace XXXX XX/XX/2015 I have had nothing but problems in trying to pay my bill. The phone tree made it near impossible to reach automated payment service. The web site gave incomplete billing information, showing only payment and previous balance. That was then changed so that a customer now only gets the balance for any certain month. To review statements, additional registration is required. All of this is frustrating making it more difficult to pay the monthly charges. 

They punished me for making a large payments to reduce my balance. A payment was made on their website XXXX XXXX of this year a Wednesday, and though they said that it was using the wrong bank account number I got no error in processing it. I was never told that it was it was the wrong account number until after the due date XXXX XXXX, at which time I received harassing phone calls during the middle of the day when I was at work. And they were able to charge me a late fee. 

On XXXX XXXX, a Sunday they made a call listed as unknown, telling me to call the same number that they always call from, even though their call center was closed. At times when answering calls in the past from this number, the caller hangs up.
Product: Mortgage

I closed on my current home XX/XX/2018 with an FHA mortgage through XXXX XXXX XXXX XXXX. At closing, I paid {$3700.00} to the Federal Housing Administration. My mortgage was bought by Roundpoint Mortgage Servicing shortly after closing. I have been paying {$150.00} towards PMI on each monthly bill since I've owned the home ( Nearly {$6000.00} total ). Fast forward to now, I just tried to refinance my FHA mortgage to take advantage of the lower rates ( also through XXXX XXXX, but XXXX XXXX XXXX XXXX was bought by XXXX ). I was unable to refinance for the reason that my FHA loan was never endorsed. I called Roundpoint numerous times, I submitted emails explaining the problem to the emails that they told me to contact ( XXXX and XXXX ). They also told me to contact XXXX XXXX/XXXX who they said they bought the loan from ( I had no idea/was never notified that they ever serviced my loan ... never paid a bill to them ). I contacted them, and they just put a note on my account to back date my PMI. 1 ) that's illegal. 2 ) I still can not refinance my mortgage because it's still not endorsed. So I'm basically being held hostage with these interest rates until I pay off my mortgage completely unless someone does what they were supposed to and gets my loan endorsed. Besides that, where did all that money go? If it didnt pay for mortgage insurance for the past year, it certainly should be coming back to me. I get a different person everytime I call and no one is ever able to fix the problem. I have even had my lender ( XXXX XXXX ) on the line with me to help explain. It's impossible to get anyone to understand or fix the problem.
Product: Money transfer, virtual currency, or money service

A wire transfer was sent to a suntrust/Truist account in my name on XX/XX/2021 and to be deposited the next day. It was in the amount of {$790.00}. Suntrust closed my account without acknowledgment to me. When I spoke with suntrust they stated that the money was supposed to be sent back toXX/XX/XXXXXXXX XXXX. XXXX states that no money has been returned and suntrust is solely responsible and should be the responsible party to issue me the money back, and even though my account was closed they still are the responsible party to issue the money back. All accounts have been checked and confirmed with XXXX  that no money has returned to them. When speaking with suntrust in the past month and a half I have been told I would get a cashiers check for the amount and that I could go to a branch location and receive the check. When I went to the bank I basically got the run around and then I was told that they are not responsible and I would not be getting any money returned to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Experian supposedly open and began the investigation for a letter of dispute I had mailed along with drivers license, proof of address, and power of attorney. I had numerous items on the letter that I requested to be investigated which included Bankruptcy. On XX/XX/XXXX, Experian claimed they completed investigation and sent the results. It appears that they only investigated few of the items on the letter and not all. They didnt even investigate the Bankruptcy as requested. I called on XX/XX/XXXX and asked why no one investigated the Bankruptcy and other numerous items on the letter and was told that either they were not sure or they didnt see a request for an investigation for the Bankruptcy. This is impossible because it was clearly put in the letter to please investigate the Bankruptcy as requested. This is a violation and because they ignored the request by law then the Bankruptcy must be removed.
Product: Credit card or prepaid card

I am unable to log into my Capital One Online account. After submitting documents verifying my identity, Capital One still can not resolve this technical issue. I have spent over XXXX hours with Capital One representatives and still this issue can not be resolved. 

In the latest attempt, Capital One rep, removed my Venture credit card from my Online Account and tried to re-associate this back and was not able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report are not mine, check them out Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

In XXXX 2016 I rented a car in XXXX, XXXX. After I returned to U.S. The rental car company e-mail me that I had speeding ticket. 

This XXXX, A company named CEDARS BUSINESS SERVICES located in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company find this case thru XXXX US Embassy website, that is a open source for anyone want to contact you. The only proof of speeding is the automatic camera shooting. 

This self- claimed speeding ticket collector is not authorized by XXXX Police Dept . Any scammer can go after you. Maybe he buy the debt thru a outsourcing agency. My question : it is legal to collect debt by this way? Those con artists must be cracked down
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also be providing the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am a consumer who reached out to Transunion about 13 loan accounts that were reporting on my consumer report without my written consent pursuant to 15 USC1681 b ( 2 ) Transunion did removed the tradelines from my report on XXXX XXXX I have a right to privacy, and no consent is IDENTITY THEFT. publishing this information has for years caused my Transunion report to have a lower score, and also affected me from being able to obtain certain things at a lower rate. Is so frustrating that these bureaus have the power to do this to consumers it is fraud, it should be more done to stop this invasion of privacy. Pursuant to 15 USC 1681n ( a ) Transunion violated my consumer rights and is liable for XXXX each violation I have invoiced this organization in reference to my remedy. I will pursue more legal action if I do not get a response back from Transunion for the suffering and also the fraud that was taking place. Deletion is admission and Transunion never had my written permission to furnish this information. I do not have the account number Transunion has removed the accounts, the accounts were under fed loan, and I will attach an exhibit that I also provided to Transunion I have sent an invoice demanding payment for violating my federal rights. 15 USC 1692 fair debt practices act references individual privacy 15 USC 1692 ( A ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. Transunion was reporting 85,376.00 worth of an alleged debt without my permission, and I demand that they respond to my invoice with payment I have also attached exhibits that I sent to Transunion .The accounts that were deleted was 13 fed loan accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 received a text from they said Equifax XXXX XXXX XXXX saying my credit score had dropped 46 points on XX/XX/XXXX and to click a link today to confirm or dispute.. Called Equifax and they said did not come from them.
Product: Credit card or prepaid card

I had 3 charges on my XXXX debit card with Chase Bank On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada all charges where made on my card when multiple other charges ( made by me ) on the same day originated in XXXX Utah. Chase bank is refusing to reverse the charges all charges were made somewhere I had never done business or work with before at the the same time I was using my card in XXXX.