23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Letter & Debt Validation Request To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( c ), I am formally requesting that you cease all communication with me regarding the alleged debt referenced in your records. Furthermore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA to request detailed validation of this debt. As per my rights, please provide me with the following information : The nature of the alleged debt, including a detailed explanation of what the money you claim I owe is for. 
A complete breakdown of how you calculated the amount you claim I owe. 
Copies of any documents bearing my signature that indicate I agreed to pay the debt in question. 
A verification or copy of any judgment against me, if applicable. 
The name and contact information of the original creditor. 
Proof that the statute of limitations on this debt has not expired. 
Evidence that your company is licensed to collect debts in the state of California. 
Your companys license numbers and the identity of your registered agent or agent of service in California. 
A copy of the original promissory note associated with the alleged debt. 
Until I receive the requested verification and validation of the alleged debt, you are prohibited from reporting this debt to any credit reporting agency per the FCRA, XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ). Additionally, if you fail to properly validate this debt, any continued collection attempts will be considered a violation of my rights under the FDCPA, and I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and other relevant authorities.You have 30 days from the receipt of this letter to provide all requested documentation. Failure to comply within this timeframe may result in legal action against you. 
Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/year> Multiple phone calls and texts, and disguising collection phone number as a member of my household. Calling family members with threatening tone and requests for information. Agency representative made numerous calls and texts after requesting that they stop, was informed by the rep that he did not have to and could call anyone including friends and family as much as he wanted, and used threatening tone with my children for if they would not contact me. 
Was told by rep also that he did not have to stop harassing me at work or on my cell phone, those rules did not apply to this situation. 
Rep name was XXXX XXXX. 
We were also threatened with Negative XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing unauthorized inquiries on my Experian credit report. 

Upon reviewing my credit report, I discovered the below inquiries that I did not authorise or recognise. 

These inquiries are damaging to my credit score and financial well-being. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request that these inquiries be investigated and removed from my credit report as soon as possible. 

I understand that unauthorized inquiries can be a sign of potential identity theft or fraud. 

I have taken steps to protect my identity, including monitoring my accounts for any suspicious activity. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and, as such, I am requesting the immediate deletion and blocking of certain accounts and inquiries that have been fraudulently reported on my credit file. These accounts and inquiries are the result of unauthorized activity and do not belong to me. I am requesting that they be deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the specific accounts and inquiries I would like to have removed from my credit report : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account XXXX : XXXX Creditor/Collection Agency Name : XXXX  XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt.

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAMES are wrong on report : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately. Both XXXX and XXXX XXXX reported a late payment on my account with JPMCB Home in XX/XX/year>. While XXXX reported the same late payment in XXXX XXXX It is the responsibility of consumer reporting agencies to accurately reflect information of the consumer. I'm requesting an investigation into this matter that will remove this erroneous an inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & X XXXX ll 43 % _ XXXX X XXXX A XXXX 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. 
XXXX XXXX Delaware : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting States : no consumer reporting agency may make any consumer report containing any of the following items of nformation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,
Product: Payday loan, title loan, or personal loan

started payday loan in XX/XX/2017 with tenn quick cash for XXXX credit limit paid on loan for over a year lost some income unable to pay XXXX every paycheck every time i paid it only put XXXX dollars toward payoff of loan now taking me to court saying interest etc evolved into a XXXX dollar settlement can not afford bankruptcy. i have a disbled son that i am solely responsible for. i have to pay food, homecare and medical for him i am uneligible for any assistance for him because of my income limit. if i am garnished we will be homeless, i tried to explain my hardship to these people and they refused lower payment. i have paid them over a XXXX dollars already for the past year.
Product: Student loan

After numerous harassing calls, I have decided to set up an account with my bank to make monthly. To stop their " bleeding calls '', I called to tell them of my intent to start monthly payments beginning XXXX XXXX of 2017. I was shocked when I was told to give them my card or account number to make the first payment so they can forgive the past due amount. I offered to sen a check, but that was not good enough. They wanted all the information over the phone immediately. Sounds fishy to me. They even offered to wait two weeks to charge my account. Makes no sense.
Product: Mortgage

We have filed several complaints about Ocwen Financial Services for force placed insurance for over 3 years. We went ahead and paid the amount for the force placed insurance when they started sending us late payments and foreclosure notices while fighting the charges. They finally reimbursed us the amount we paid for the force placed insurance and removed the escrow balance. However, they still have not restored our mortgage payment to the scheduled amount. They are charging us extra fees in the amount of {$13.00} for late fees/other charges when we have not been late ( see attached ). 
Additionally, they reported to the credit bureau that we were late XX/XX/XXXX, XXXX and XX/XX/XXXX when they assured us that while the account is in dispute, they will not be assessing any late fees or report any late payments to the credit bureau. We sent them the attached email to request that they remove the late payments on our records but they have not replied. 
We would like Ocwen to restore our mortgage to its scheduled amount and remove any other fees that do not apply. Most importantly, we would like them to remove the late payments that they reported to the credit bureau as the account was in dispute during the time they reported these late payments.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and I am completely baffled as to how they got there. I routinely check my report, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was just a technical glitch, but nothing changed. These inaccuracies remained, and I am left deeply concerned. I urgently ask that the documents I've provided be carefully reviewed to ensure this issue is permanently resolved and I can stop worrying.
Product: Debt collection

I am a former resident and I was advised to move out within 24 hours of receiving the move out notice on XX/XX/2019. I moved out on XX/XX/2019 as requested then received a bill later for charges. The first invoice was incorrect that was sent via email from XXXX XXXX on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice via email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice. The collection notice is dated XX/XX/2019 asking for me to pay them directly and not the apartment complex. The collection agency stated that they will report me to XXXX, XXXX  and XXXX if the balance is not paid in full.
Product: Debt collection

While XXXX from XXXX XXXX XX/XX/year>, my identity was stolen twice in Georgia XXXX I was not even in the United States. I have military orders and documentation to prove it. I am currently disputing the other collections charge via court in XXXX, OH. I have initial police report I filed while XXXX as well. I have never lived, visited, let alone opened a loan or utilities in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX  with account # XXXX Balance of {$200.00} XXXX XXXX with account # XXXX  and a balance of {$5900.00}.

XXXX  with account # XXXX and a balance of {$53.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ).

I waited 30 days and received my investigation and notice not all was corrected and appear the same. The consumer reporting agencies which are Equifax, XXXX, and XXXX did not modify or remove all items. 

The date open is not correct, the date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports. 

Which is a violation. This is impacting me from moving forward to buying a home for my family. 

I attached my previous credit report and new credit report to show how XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Product: Credit reporting or other personal consumer reports

I have reached out to the company and have not gotten any results the dates on these accounts are incorrect. The months are different on other bureaus and these accounts need to be removed because the information does not match across all three bureaus. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXXAccount XXXXXXXX XXXX XXXX XXXX XXXX-Account XXXXXXXX XXXX XXXX XXXX-Account XXXX XXXX. XXXX XXXX XXXX
Product: Credit card

This is my formal complaint about adverse action that has been taken against my account by BANK OF AMERICA. The credit limit for the account held with the institution was recently reduced from {$5000.00} to {$3600.00}. I am dissatisfied with the service being provided by the company. The company 's actions are adverse to my interest. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to login to my Experian account. I have been trying since early XX/XX/XXXX / In early XX/XX/XXXX, I attempted to login to my Experian account which I froze in XXXX after a credit tracking company data breach. ( I have the letter from Experian stating the account is frozen. ) The webpage did not recognize my password. When I tried to reset, the webpage did not recognize any data including my email or SSN/birth date combination which has not changed in XXXX  years. 

I attempted logging in several times. I logged out and back in to reset. I turned off the computer VPN. I tried all data at least three time and checked for errors. I tried to resolve using provided phone numbers. The phone automation kept redirecting me back to the pages that refused all data. I then tried emails on XX/XX/XXXX and XX/XX/XXXX. Their reply email string stated they did not recognize my data, to use the number I could get by logging into my account and sent me to another phone number whose automated line directed me back to the email account. I sent a letter on XX/XX/XXXX with all the data they required such as address, current license and insurance. My reply back was like the email. I resent a letter in XXXX after their reply that did not help. I stated would contact consumer bureaus but did not. 

Through all of this I only want to talk to a person not automation and determine why I can not get into my account. I gave up. I decided to take the time to contact you this year when I could not unfreeze my account to free up my credit for a purchase. Before contacting you today XX/XX/XXXX, I tried to login and reset my password and use the customer number. I was not able to reach anyone. 

I do have an account as I have a letter from Experian concerning the account and freeze status from XXXX. 

I find it amazing that an agency that collects critical data on me without my consent to use as they see fit and provide to strangers upon request, can not be contacted to solve a problem. 

I attached XXXX letters to Experian. The second has the same date as the first likely because I was too steamed to proofread it closely. 

I still just want to talk to a representative instead of automation to determine why I can not access my account and fix it for future credit freezes/ unfreezes. 

Thank you
Product: Checking or savings account

On XX/XX/2022, my account was hatch in which all my funds were taken out my account. I Contacted Chase Bank in which I was issued a new card and was told i was victim of bank fraud. I put Claim out for the Funds. 
When my card came in the mail I never activator it. On XXXX XXXX All my funds were gone again. {$290.00} were gone. I fled another claim in which Chase put the money back in my account. I was reach by the Chase fraud team. In which they advise to to go in person to back to close out my account and open another one. They also advise me to go over my account with them. They discover I had five XXXX XXXX attached to my account I dont have anything XXXX  never had They took off. 
But Chase took the Money back and will pay my money back. I never made these purchase. I never use XXXX. But Chase will not believe me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account : XXXX Date : XX/XX/XXXX Amount : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Both accounts opened with out my knowledge.