23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : XXXX XXXX Account Number XXXX Dear Sir/Madam, am writing to dispute a collection account that you have reported to XXXX, XXXX, and XXXX. The account number is XXXX and the original creditor is XXXX XXXX XXXX I am requesting that you immediately delete this collection account from my credit reports and cease all communication directly and indirectly regarding this debt as permitted under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me.

Under the FCRA, a consumer reporting agency may only furnish information for certain permissible purposes, including for credit transactions, employment purposes, and under court order. If a debt collector or collection agency reports an account to a credit reporting agency without a permissible purpose, it could be considered a violation of the FCRA. I never gave XXXX permission to submit an entry on my consumer report! 

Additionally, under the FDCPA, debt collectors must cease communication with a consumer upon written request. I am hereby requesting that you immediately cease all communication with me, including through phone calls, emails, and letters. Any further attempts to contact me regarding this debt will be considered a violation of the FDCPA. 
As per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, as well as the corresponding local state laws, I am requesting competent evidence bearing my signature, which shows that I have ever had any contractual obligation to pay you. I also request any and all documentary evidence pursuant to 15 USC 44, including all documents, papers, correspondence, books of account, and financial and corporate records.

Finally, I am also requesting that you notify all credit reporting agencies to which you have reported this collection account that the debt is disputed and that it has been removed from my credit report as required by the FCRA.

I remind you that you may be liable for your willful and negligent non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in legal action against your company. In such a case, I would seek actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act, and each violation of the Fair Credit Reporting Act, whichever is greater, and you will be required to appear in a court venue local to me to formally defend yourself. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I moved in XX/XX/XXXX paid {$250.00} for a security deposit and when I moved out XX/XX/XXXX they charged me {$210.00} for prorated rent. I told them to take the funds from my security deposit paid and they stopped returning my emails, calls, and put the debt on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting Dear Sir/Madam , I am writing to formally file a complaint against the three major credit bureausEquifax, XXXX, and XXXX reporting inaccurate information on my consumer credit report. 

As outlined in 15 U.S. Code 1681, the accuracy and fairness of credit reporting are crucial not only for the integrity of the banking system but also for consumer confidence. Inaccurate credit reports can lead to significant adverse consequences for consumers, including denial of credit, higher interest rates, and damage to their reputation. 

Despite my efforts to rectify the inaccuracies reported by these agencies, they have failed to investigate my claims thoroughly or provide adequate responses. This not only violates my rights as a consumer but also undermines the essential function of credit reporting agencies as described in the Congressional findings.Im attaching a copy of my Credit Card Statement for documentation showing when my credit card company reports to the credit bureaus, and you can clearly see the violation. 

I request your assistance in investigating this matter and ensuring that the credit bureaus adhere to their legal obligations to maintain accurate and fair reporting practices. I would appreciate any guidance you can provide on the next steps I should take. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Transunion, USPS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion and Transunion responded by sending USPS mail stating, " We recently received a request that included your information, but it didn't appear that you or an authorized third party sent it to us. '' The account ( s ) below are reporting inaccurately according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX CHILD SUPPORT XXXX VA XXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( XXXX ).
Product: Mortgage

My mortgage was sold to SPS PORTFOLIO SERVICING IN XX/XX/XXXX : I noticed A problem when I begin to calculate the principal that I have paid so far on my loan and I realized that SPS PORTFOLIO SERVICING had not been applying my principal appropriately. This lead me to pull my statements from XX/XX/XXXX to current and I found other issues that I have listed below. 

ISSUE # 1 : My mortgage loan originated through XXXX XXXX XXXX XXXX in XXXX, was transfered to XXXX XXXX XXXX XXXX XXXX in XXXX and has ALWAYS been : " A SIMPLE DAILY INTEREST LOAN '' On XX/XX/XXXX as I was calculating my principal payments, I realized there was an issue and I called SPS PORTFOLIO SERVICING on XXXX XXXX : I explained the type of loan I have and the Customer Service Rep stated that " We have copies of your original note that reads your loan is a CONVENTIONAL LOAN without PMI. It accrues yearly. '' I asked in an email to the email address provide by SPS, for a copy of " the note '' that states my loan originated as a conventional loan ''. I never got those documents. 

I faxed over all my documents from XXXX XXXX statements to actual history print outs from XXXX XXXX over the years of the loan. On the statements, it says in plain english- " your loan is a daily simple interest loan ''. On EVERY SINGLE STATEMENT ISSUE # 2 : My escrow balance has been depleted for reasons nobody at SPS PORTFOLIO SERVICING can figure out. I have forced placed HAZARD AND FLOOD INSURANCE ( only because it's cheaper ) and my balance in escrow was {$1200.00} as of XX/XX/XXXX which is for hazard, flood and taxes to be paid in XX/XX/XXXX. As I am reviewing my statements, I notice that my balance as of XX/XX/XXXX is {$940.00}, with only 2 more payments of {$170.00} each til XX/XX/XXXX. This will place me in the negative for escrow. I have never been in negative. 


ISSUE # 3 : On each of the statements from XXXX XXXX, I was 2 months ahead in my payments, which doesn't matter much with daily simple interest ; however, if I ever need to go past the XXXX date-I wouldn't have to worry about a credit report negative hit. But SPS PORTFOLIO SERVICING has my due date effective XX/XX/XXXX. I have already made a payment as of XX/XX/XXXX over the phone, and the payment still has not posted. This will not work for my type of loan. Each day is crucial and costs me money. It is not my bank 's error because I paid over the phone with XXXX XXXX in the past and my payment posted the same exact day. If I didn't see it, they would correct it.
Product: Debt collection

On XX/XX/2021, The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Synchrony Bank home designed credit card ) placed on my consumer report by XXXX, XXXX, and XXXX. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Synchrony Bank home-designed credit card accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX  XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX
Product: Student loan

I reached out to Navient Solutions LLC, the holder of my 3 student loans, several times between XXXX. I was reaching out to Navient with the intention of paying off the balance of my 3 student loans totaling {$23000.00}. When I called in and voiced my desire to make that payment, the woman from Navient asked me if I was interested in seeing if I qualified for a student loan forgiveness and consolidation  program. I was not necessarily interested in the consolidation, however I told her I was interested in seeing if I qualified for the loan forgiveness. So the woman on the phone filled out the application to help me apply for what she claimed was an income based student loan forgiveness program. On XX/XX/20 she said that I did qualify for {$8000.00} in loan forgiveness, however there were some stipulations. I would have to pay what she claimed was the balance of the interest on my principle amount, {$5000.00}. I would also have to agree to have my loan consolidated and transferred to a new loan holding company, XXXX, where I would be able to pay off the balance. On XX/XX/20 I signed a master promissory note, with whom I believed was Navient, to complete this process. I agreed to pay the {$5000.00}, and on XX/XX/20 that money was drafted from my checking account. The women at Navient said that this consolidation process would take approximately 60-90 days, and I could expect to see my first statement from XXXX, with a new balance of approximately {$10000.00} around that time. 

I got my first statement from XXXX approximately 3 weeks ago with a balance of {$23000.00}. Shocked that my balance was {$13000.00} more than I had anticipated it being, I called XXXX to see what the discrepancy was. XXXX voiced they had no record of the {$5000.00} payment towards the interest of my balance, and they also said they had no record of any {$8000.00} forgiveness towards my balance. I called Navient, who similarly reported no record of those payments. Navient was also unable to produce any type of call log or correspondence from the communication I had with them from XXXX. 

Upon reviewing the master promissory note, it appears to reference another party/s, XXXX I also have an email thanking me from doing business with The XXXX XXXX XXXX XXXX. Finally, the fraud department at my bank was able to see that the money was drafted from my bank account under the name XXXX XXXX  XXXX. I am not sure at what point I was scammed. I feel that someone working at Navient misled/misdirected me towards the scamming company. I never reached out to anyone other than Navient throughout this entire process. They did consolidate my loans, and transfer them to a new loan holding house XXXX, however there is no trail of where my $ XXXX went nor any evidence that my loan is being forgive any.
Product: Checking or savings account

Trying to connect account with investment app. Should be allowed to invest my money directly not have to jump thru hoops to get money invested
Product: Debt collection

Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on my report, and nothing was done iam a victim of identity theft I have police report to prove it aswell
Product: Money transfer, virtual currency, or money service

I tried to withdraw {$5000.00} of my money on XX/XX/2021 from my Binance.US account to my bank account and I got a message that said " Withdraws Suspended Due To Risk Management. '' I have done absolutely nothing wrong for them to suspend my withdrawls. According to the website, withdraw suspensions are enabled usually when there has been a chargeback issue. I have had my account for several months and have never had any issue whatsoever. I had sent a support ticket immediately that same day and contacted support thru XXXX and have gotten one email back on XX/XX/2021 saying that they will forward my issue to the correct department, but no resolution. I was depending on this money to get me through the month and had no reason to believe it would be withheld from me. I have endured sleepless nights and am sick from stress wondering how long this can take. I need someone to help and no phone support.
Product: Mortgage

I had a forbearance on my mortgage payments for Hurricane Irma. In XX/XX/XXXXI called to start paying my mortgage. Was told by the teller named XXXX that there are only 2 options coming from FHA. One is a Cap and Extend which will modify the loan, the other is a lien on the house for the amount due during the forbearance. I was guaranteed by 3 representatives that these were the only options available and everything would be settled in 30 days max. I got a call from Caliber Home Loans a couple of weeks later telling me I was denied for all options and would have to start the process all over again. They never informed me that denial was a possibility. To the contrary they said everything would be complete in 30 days max. Now, in this time I have arranged for loan with the SBA disaster loan department for {$40000.00} and a lien on the home. I'm being told by the mortgage company that this lien will not stand because my home mortgage will be modified and a title search will be run, and when they run title and see a lien for {$40000.00} on my home they will not modify it again. I don't have the money to pay back now and becuase I relied on the statements of the company ( nothing was given to me in writing ), I might not be able to pay them back.
Product: Payday loan, title loan, or personal loan

I received a loan with an interest rate of 299 %. I esigned and at the time i did this, I didn't see an interest rates and my payment amounts. With a rate of 299 & and being on a fixed income, I will never get this paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAR WAS PAID OFF AND FULL WITH NO ISSUES DUE TO ACCIDENT AND I DID RECEIVEDTITLE FREE AND CLEAR
Product: Debt collection

I received a reduced balance pay off opportunity from Convergent Outsourcing regarding a XXXX account. I wasn't aware of any debt with XXXX and by extension wasn't aware of any debt with convergent outsourcing. I sent a very detailed letter to Convergent on XXXX XXXX requesting validation. I requested several documents to validate the debt one of which included a original contract bearing a signature ( see attached letter for full details ). Convergent was not able to produce an original contract or any contract at all. Instead all that was provided was a bill. Which was not sufficient. 

In addition, Convergent outsourcing has violated my consumer rights under the FDCPA. I was not informed of my right to request validation, I was not informed that unless I dispute the validity of the debt within 30 days it would be assumed to be valid. Particularly Convergent outsourcing violated 15 USC 1692g ( a ) ( 4 ) and 15 USC 1692g ( a ) ( 5 ). This was not provided in there initial communication nor 5 days after initial communication as stated by law ( also attached ). 

Convergent outsourcing provided a document containing the states within which they are licensed to collect ( attached ). The state of Florida is not listed and therefore they are also illegally attempted to collect a debt in a state which they aren't licensed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I sent a letter to TransUnion letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. TransUnion did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.
Product: Credit card or prepaid card

To whom it may concern, I have an problem with Chase Amazon credit card. I was carrying a high balance on this card for some time. My account was in good standing. I received a bonus check around the end of 2020 and decided to use that bonus money to pay down this credit card bill. I paid approximately XXXX and brought that debt down and Chase briefly made that credit available. 

There soon after Chase reduced my credit line to approximately XXXX My issue is will show up as a decreased credit by a CC company and not a valid debt satisfied. One is beneficial to my credit rating the other is benefit to to Chase. I believe it is the policy of the Chase card to unfairly decrease my credit and keep me from enjoying the improved credit rating and further Chase will refer to the decreased credit rating to charge a higher interest fee or penalties. 

Can you assist me with this matter and tell me if I am able to address this in any way? 

Thank you, XXXX XXXX documentation available
Product: Credit card

Recently I had received two letters in the mail from Target and XXXX XXXX XXXX  stating that I have tried to open up credit cards with Target and XXXX XXXX XXXXs on XX/XX/year>. Thankfully the credit applications were denied however, I have not authorized or attempted to open up a credit card with any of these stores. It appears that someone has my information is trying to open up credit cards that I have not authorized. The following credit inquiries are currently listed under my credit report and I have reached out to XXXX to dispute them. In addition XXXX had recommended that I would reach out to the Consumer Financial Protection Bureau.
Product: Debt collection

XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$9500.00} XXXX XXXX XXXX XXXX XXXX / XXXX / {$800.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

I was hit with a fraudulent line of credit opened in my name on XX/XX/year> with American First Finance, I reported the fraud with XXXX and they came back with a letter claiming they have investigated and found no fraud. The Account was opened using my name, social security number, and email, but it had an incorrect address in another state i have never lived in as well as faking my signature. I became aware when i received the buyers agreement to my email. the debt is for roughly {$2800.00} with a XXXX XXXX XXXX XXXX which i tried to contact and got no answer.
Product: Credit reporting or other personal consumer reports

After obtaining my Consumer Report I have found several inaccuracies on my file. 
Names, Addresses, Phone Numbers, Email Addresses, and Insurance Policies. I will be uploading those files with this complaint. 

I also have an inaccurate Bankruptcy on my file which I have attempted over and over to get removed. I will be also uploading documentation regarding the Bankruptcy reported under my Social Security number. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the account. It was opened without my knowledge, authority or consent. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some credit inquires in my credit report. XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.