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

I am writing this letter to formally dispute the collection account listed on my credit report, which has been attributed to your company, XXXX XXXX XXXX XXXX. The account in question pertains to an alleged debt from XXXX XXXX with the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with an original amount owed of {$400.00}. The details of the account are as follows : Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$400.00} Amount : {$400.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : XXXX Date of First Delinquency : XXXX XXXX, XXXX I would like to assert that I have no knowledge of this debt and have never had any dealings or contractual agreements with XXXX XXXX that would result in the debt you claim to be owed. Furthermore, I believe that this collection account has been reported in violation of several laws and regulations, and I am prepared to take the necessary legal actions to rectify this situation. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), it is my right to request validation of the alleged debt and to ensure the accuracy of the information being reported on my credit report. I demand that you provide me with the following information within 30 days of receiving this letter : Written proof of the debt 's validity, including a complete accounting of the alleged debt and all supporting documentation. 
Verification that your company is licensed to collect debts in my state.

Verification of your legal authority to collect the debt on behalf of XXXX XXXX. 
A statement confirming that this alleged debt will be removed from my credit report and that no further negative information will be reported if you can not provide sufficient validation within the allotted time. 
Failure to comply with this request will leave me with no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General office. I will also seek legal counsel to pursue any appropriate legal action against XXXX XXXX XXXX XXXX for violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO  every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX : # XXXX Sincerely, Your Name
Product: Credit reporting or other personal consumer reports

Upon inspection of my credit report, I noticed the following information is incorrect : Address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX and Transunion regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Syncb on XXXX XXXX, 2019, about an unrecognized hard inquiry on my credit report from XXXX XXXX, 2019. I do not own any credit cards, nor have i applied for any. They claimed that the credit card company in which the inquiry came from was has no affiliation to them and advised me to contact the credit bureau to dispute the inquiry. 
I, then, contacted the bureau and they informed me that they would not take any action until i called back to Syncb and received a letter of deletion from them. 
I called back to Syncb, again, on XXXX XXXX, 2019 to request the letter of deletion ; they then tell me the problem is with XXXX XXXX and not with them or the bureau. They advised me to contact XXXX XXXX. XXXX XXXX has no customer service telephone number. 
Syncb has given me the run-around all evening and still no resolve ; only repetitively placing blame on other agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN FINANCIAL, Inquiry : XXXX XXXX, 2021 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. SXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since in the previous responses XXXX XXXX, XXXX XXXX the company did not provide me with the documents that I requested, please draw your attention to my complaint again. 
XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023 to XX/XX/2023 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I sent Chase some documents. Waiting for the to dispute my debt with the instructions I wrote out. No response
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells fargo criminal bank institution did fraud and identity deft on my name. And possibly shared with that stupid and unknowing XXXX, XXXX, XXXX. This four criminal companies are holding my information without my consent.
Product: Credit reporting or other personal consumer reports

They informed me I was removed per request from me and primary card holder. I'm still on as an authorized user, I never approved anyone to add me as an authorized user. Original Contact was XX/XX/year> at XXXX. Called today it is still on my report. I have contacted them now twice please CEASE reporting this information especially on my credit reprot. 

Account in question : AMEX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, & XX/XX/2019 CAPITAL ONE added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CAPITAL ONE has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ). It is plenty stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Also, my information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

ditech my current servicer raised my payment without any notification to me. i have an arm and have consistantly paid extra to principal. i started get past due notices from them and i checked my bank acct which i have on auto pay and confirmed all payments have gone out ON TIME.  they have yet to notify if my increase was due to escrow shortage or change in payment, no phone call, email, or mail
Product: Prepaid card

I tried to use card at a XXXX ATM was told I had to appear in person at money services to prove I was the card holder, I did that and was able to withdraw {$200.00} once I did that my card wouldn't work anywhere. They first claimed were I tried to use it was high fraud risk, then they said it was a bad chip although they also declined purchases when I tried to swipe, the promised to send a new card I would receive in 7 days it's been over XXXX weeks and nothing has arrive they are witholding my XXXX payments. They also declined manual processing with my landlord and storage XXXX and claim they aren't responsible for my losses although the terms of service online says they claim full responsibility.
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries have been propounded upon my person. Additional fraudulent inquiries to be included in this FTC and CFPB report are as follows : XX/XX/XXXX > EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I applied for a refinance on our home on XX/XX/XXXX with our current mortgage holder, Mr. Cooper ( Nationstar Bank ). We have refinanced before very easily and quickly with other institutions with no issues so the current experience with Mr. Cooper seems unexplainable other than the fact that we shared our race in the application process. 
1. We were made to wait 2 weeks before locking in rate.

2. Told we close no later than mid-XXXX. Its now end of XXXX 3. Asked about a home neither me nor my husband ever owned or had a stake in.

4. Questioned about my husbands job location and commute. We live in XXXX but the headquarters for my husbands job is in XXXX. Perhaps the loan officer needs to learn geography. My husband works from home but occasionally may have to drive to  XXXX which is about 1.5 hours away. What does that have to do with a refi???? 
5. Questioned about what a XXXX XXXX loan was for ( Daughter is in XXXX  ).

6. Questioned about dependents even though we provided tax returns that reflect these things.

7. Questioned why we were getting cash out of the loan. Shared that we were told we had to pay off our line of credit by the application originator, Mr. XXXX so their loan would take priority. 

I left a voicemail with the loan officer, XXXX XXXX, in XXXX regarding some of the document requests. She has never returned my call. She sent me an email regarding the cash out and dependents question on XXXX. I responded back to her email answering her questions and again asking for explanation on being required to provide statements on odd things. She responded that our application was not filled out correctly as if that was my fault and said that she was submitting the loan for final approval. We did not fill out the loan application. It was done over the phone by one of their representatives. 

She still has not responded to my questions on why we were asked about a home we have never owned and about the location of my husband job. 

I sent another email on Friday XXXX to her about why this loan is taking so long and her not responding to my questions. She has completely ignored me. 

We are XXXX and this is the first time I have ever shared race on a loan application of any type before. I thought no harm since we have been excellent customers for them. Keep in mind we did not originate our home loan with this company. We built our home 17 years ago and our loan has been transferred to various companies throughout the years. Mr. Cooper picked up the loan a few years ago. We have refinanced or taken out other loans before in well under a month with other companies so I have no understanding, other than our race, of why they are dragging their feet. We have very good credit, have been on our same jobs for many years and have high stable incomes. We have turned around every document and email request on the same day we were asked so there is no reason for their obvious slow walking of this process. 

They refuse to even acknowledge the concerns and it appears all communication has stopped.
Product: Checking or savings account

Subject : Discrepancies in ChexSystems Report Preventing Account Opening Dear Sir/Madam, I am writing to file a formal complaint regarding incorrect information reported about me by ChexSystems, which is preventing me from opening a bank account. I have reviewed the information provided to banks through ChexSystems, and I found that the personal detailssuch as my name, address, and phone numberare inaccurate. I have no knowledge of these discrepancies and have not authorized them to be reported. 

This situation is significantly impacting my ability to access basic financial services, and it is causing me considerable hardship. I need a bank account to manage my finances, receive payments, and perform essential transactions. However, the incorrect reporting in ChexSystems is making it impossible for me to open an account, despite my efforts with several financial institutions. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and intervene with ChexSystems to correct these inaccuracies. I believe this issue falls under the following regulations : 1. **Fair Credit Reporting Act ( FCRA ) ** Under the FCRA ( 15 U.S.C . 1681 et seq. ), consumers have the right to dispute any incorrect or incomplete information on their credit or consumer reports. In this case, the erroneous data reported by ChexSystems is inaccurate and needs to be rectified immediately. 

2. **Consumer Reporting Agencies ' Duty to Correct and Update Information** ( 15 U.S.C. 1681i ) The FCRA requires that consumer reporting agencies, including ChexSystems, investigate disputes and correct any inaccuracies in a timely manner. I have not received any communication or explanation as to how these errors were made, nor have I been informed of any previous attempts to resolve this issue. 

3. **Right to Privacy and Accuracy in Consumer Reporting** I assert my right under the FCRA to have accurate personal information maintained in consumer reporting agencies, including ChexSystems. The incorrect details on my report are impeding my ability to access services that are essential to my well-being. 

I request that ChexSystems immediately correct the false information on my report and provide written confirmation that the inaccuracies have been removed. Furthermore, I would appreciate it if you could ensure that no financial institution is allowed to deny me an account based on this erroneous data, as doing so is unlawful under the FCRA. 

I am attaching copies of any relevant documentation I have, including my ChexSystems report, to assist with the investigation. 

Please inform me of any further actions I need to take on my end and keep me updated on the progress of this investigation. I am confident that with your assistance, this matter can be resolved swiftly and fairly. 

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

Sincerely, XXXX XXXX