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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/year>, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( XXXX ) : **Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX Number : XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has provided my information to XXXX XXXX XXXX for the amount {$3100.00}. I believe that this collection account may be inaccurate and unjust, and i am invoking my rights uner the United States Code ( USC ) to request validation of the debt and ensure compliance with applicable laws. According to the Fair Debt Collection Practices Act ( FDCPA ), as oitlined in title 15, section 1692g of the USC, I have the right to request validation of the debt you claim i owe. I kindly request that they provide me with the following information : Verification of the amount owed, including a detail breakdown of the principal balance, interest, fees, and any other charges associated with the debt. Proof of your authority to collect this debt, including documents demonstrating that are licensed to collect debts in my state. Verification of the original creditors identity and contact information, as well as documents establishing your legal right to collect debts on their behalf Copies of any agreement or contracts that demonstrate my obligation to pay this debt A complete payment history, including dates and amount of all payments made towards this debt. I kindly request thar you orovide the requested information within 30 days of receiving this request as required by the FDCPA. Failure to comply with this request may result in a violation of federal law, and i will be forced to take appropriate legal action to protect my rights. Futgermore, i woukd like to remind you of your obligations under FDCPA, WHICH PROHIBIT Unfair, deceptive, or abusive practices in debt collection. I expect that youvwill conduct your debt collection efforts in a lawful and respectful manner, adhering tothe guidelines set forth in the USC. Please note tgat until the requested information is provided and the debt is validated, i dispute the validity of this collection account and request thst you cease all collection activities, including reporting this account tocredit bureaus. Any further atteots to collect on this debt without providing tge requested validation will be considered a violatio of the FDCPA. I trust that you will handle is matter promptly and in accordance with the law. I look forward to receiving the requested information and resolving this issue amicably. 
Please note, that this collection was once removed from my credit report and later stole to XXXX XXXX XXXX who reached out on numerous occasions for payment. I have no business with this collection agency znd eould be exercising my first by requested that they delete this ASAP off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c- 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days in counting and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of accounts listed IMMEDIATELY! 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened up a secure card with Capital One in XXXX XXXX 2019., I had one missed payment was by complete accident in XXXX of 2019 due to a month of financial hardship due to overwhelming car repairs, I tried many and multiple ways to come into an agreement to have the missed payment removed since I paid it immediately once I was able to, I offered to do automatic scheduled payments and still was not getting any kind of help.
Product: Mortgage

My mortgage was sold to PPH from OCwen ( another story ). Apparently, my payment was increased by {$17.00} a month due to a shortage on my escrow account. No notice went to me, so I am making my normal payment. Well PPH holds my payment ( which is {$3400.00} ) and doesn't apply it until the next month when I make my payment again. So I have this rolling late of {$17.00}, then {$34.00}, then XXXX, etc ... I pulled my original note and no where on there does it say that I need to pay more than the principle and interest payment due {$2000.00}. So I don't even know if this is legal, to mark me late for a shortage on my escrow account, and reassess it, and not notice me .... According to the note, the principle and interest payment is to be applied first. Not sure where to go from here, but the escalation manager apparently owns the company since she said she did not have a manager
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed that aren't mine. Please have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute challenge letter was sent to ( Trans Union ) in XX/XX/XXXX of XXXX. Challenging ( XXXX ) - a unknown account. As of today XX/XX/XXXX. The company has yet to respond. A violation. Please see attachment of credit summary reflecting ( XXXX ) on my TransUnion credit report. 

In my dispute letter I've ask TransUnion to validate XXXX : by providing paperwork, documentation, signature, proof. 

When was the last payment made on this account? 

What was the last date of activity?
Product: Debt collection

This is a complaint about Wakefield and associates. I contested the medical debt in writing and was told they would let me know what happened with my contesting. I never received a written reply or phone call about the contesting. Instead they reported me to the credit bureau and I called them and they claimed it said it was marked as contested but wouldnt let me talk to a supervisor and said hed write it down for him. They wouldnt give me the name of the person they were trying to collect the debt for ( nurse practitioner ) or a phone number or address. They said XXXX. I provided insurance documentation and they continue to call and tell me you not paying this debt is hurting your credit. The most recent person to call had no idea I had contested this and continued to threaten my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : Removal of late payment ... over 7 years I called the XXXX- No Answer or response I called and email a letter to Chase Bank Mortgage- the updated the report- but did not remove the Negative status and its been over 7 years. 

I called and emailed XXXX XXXX XXXX- they acknowledge the length of time and stated I should expect a letter removing the negative report from my credit report. As of today, I still haven't seen a letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please look at page 14 of the document I provided. 


I have dispute the XXXX XXXX account on my Experian credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. Experian is the only reporting agency that hasn't removed the account. 

I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because Experian inaccurately reports it as a charge off for 39 random months after the original charge off. 

Instead of 1 charge off at shows at 43 negative events. 

This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how XXXX XXXX and Experian report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. 

This data is inaccurate and hurts my otherwise responsible credit history.
Product: Mortgage

My mortgage company has been charging me late fees when I have not been late on my payments. On XX/XX/XXXX I made a mortgage payment of XXXX $ through my mortgage companies website. My mortgage company made a mistake and took XXXX months worth of payments out of my bank account without my authorization. I only authorized XXXX payment to be taken out. I reported it to my bank and my mortgage company. The person at my bank said they would investigate it. The person that I spoke with at my mortgage company said that they could not return part of the money. They had to return all of it back and upon receiving it, call back and make the payment and I won't be charged any late fees. My bank stop payment without my knowledge on XX/XX/XXXX. My mortgage company sent me back the XXXX payments they thought they had on XX/XX/XXXX. I called in on XX/XX/XXXX to make my payment after I received notice that my mortgage company deposited the payments that they thought they had. When when I paid my mortgage in XXXX I got a call from my mortgage company telling that I am behind on my mortgage. I asked them how could I be late when I had just paid them. It wasn't until the next month when the calls came more frequent is when I looked into my bank statements and I realized what had happen. My mortgage company tried to replace the money they didn't have to send by taking away prior mortgage payments. I tried to resolve it by telling them that I would pay the money back but they needed to remove the late fees. They wouldn't do so. So I appealed their decision to their corporate office. They took a while to get back and with the same results. They have threaten me with foreclosure and I got to the point were I was ready to go to court. I was making my payments on time every month before this happen and I have been making my payments on time every month since. I had good credit before this happen and now my credit has took a big hit to the point that I can't even cosign my daughters student loan.
Product: Debt collection

On XX/XX/2017 at XXXX a " XXXX '' left a voicemail on my phone stating that they had " received legal documents to be processed against my social security number immediately through the XXXX County Courts , case # XXXX, '' she left a " direct '' phone line of XXXX. 
I returned the call, was verbally harrassed, intimidated, threatened, and lied to. A Senior Manager " XXXX '' actually yelled and raised his voice at me, claimed he had an " attorney '' on the line monitoring the call, and wanted to ask me a " question straight out '' ... XXXX hung up on me. Repeated attempts to call back were received with tremendous threats of legal action yelling, and accusations of harassment. The three or four people operating this business, are attempting to collect a debt they do not own, are lying about legal action, are using my information illegally, and are not following proper standards for FTC and CFPB standards. These individuals are misrepresenting themselves, lying, threatening, and attempting to receive money they have no right to collect. 

Law Enforcement should be involved as these individuals are verbally abusive and are violating nearly every FDCPA law. 

XXXX Fair Debt Collection Practices Act - As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act - 1692-1692p I will be pursuing Zenco for damages in full through the legal process and remedies afforded to me. 

http : //www.zencocollects.com/contact-us/ Zenco Collects XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX
Product: Payday loan, title loan, or personal loan

Hi there, Around a year ago, i was given a credit card from Wayfair with a year 0 % interest. After making purchases, i was still being charged interest throughout the course of the year. 

When i rang up after the first month XXXX XX/XX/2019 ) and asked why i was being charged interest, i was told that i wasn't eligible for the promotion and that instead i was going to be charged a minimal amount of interest every month. I wanted to clarify 100 % that this was in fact the only interest i could expect to receive and i was told repeatedly that it was. 
Also at this time, i was asked about whether i'd like paperless statements which i agreed to and that they would be emailed to me. 

Today, i realized that i have a charge of around XXXX $ on the account ( close to 50 % interest on the remaining balance ). I rang immediately and asked to refund the interest and i would bring the balance to XXXX then and there. After being switched around 3 different colleagues and being spoken to very unprofessionally, i was told that there was nothing that could be done about the interest charges and that this was 100 % my fault for the following reasons : 1. the call in XX/XX/2019 never existed and no call was placed at this time 2. the information was on my statement, which wasn't emailed to me, but this was something i had to access online. 

After looking at the statements which they mentioned on the phone, i see that they exist in an area of the website which is extremely hidden. You have an area called transactions ( where there is no mention of the interest they were about to charge ) you need to click on 2 different areas and then download the statement from there. at the bottom is where you can find their " warning ''. Again, extremely misleading. 

I'm extremely upset about this as i feel like i've been incredibly misled when it comes to how the interest works for their program. Everyone should be aware and their 'promotions ' should be assessed. 

I just want to clear my account without the 50 % finance charge so that i can clear this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letters via certified to company regarding Hard Inquiry on credit file. Client refuses to submit via mail response to hard inquiry placed on credit report.
Product: Mortgage

On XX/XX/2018, I submitted a request to have my first automatic mortgage payment deducted on either XX/XX/2018 or XX/XX/2018 ( attached ). 

On XX/XX/2018, I received a call from my mortgage company requesting I give them a call back. 

On XX/XX/2018, I returned the call and was asked if I wanted the autodebit to start the first or the second Friday of the month. Because it was not processed at that time, I specifically requested it be started the second Friday in XXXX. The representative states she would send an email to have this processed. 

On XX/XX/2018, I received an email from my bank stating that my mortgage company had submitted a request for an ACH transfer. 

On XX/XX/2018, I contacted my mortgage company and was told that their is nothing they can do at that time. I asked what the process was to have this resolved, and was told to call back in 24 hours and let someone else deal with it. 

I was transferred to my current servicer on XX/XX/2018. I have had payments returned because their system couldn't accept them, while getting a bill on the same day for an upcoming payment. The mortgage company/loan servicer is horrid. I can not wait until the repairs/upgrades are done on my house so I can refinance with someone else. At this point I do not care if I end up paying more in the long run, the stress this company has caused is NOT worth it.
Product: Debt collection

Im disputing the collection account associated with account number XXXX with Contract Callers. According to your records, this account was opened on XX/XX/2024 Balance Owed : {$90.00} and is categorized as a collection account for which I bear individual responsibility. However, I want to bring to your attention that I am a victim of identity theft and have no knowledge or involvement in the creation or management of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of my credit accounts are close and pay and are to to old to remain on credit file
Product: Credit card or prepaid card

On XX/XX/2019 I receive Ofer from credit card company Wyndham rewards visa for 0 % Apr for 12 months I applied and got Approved I call them to do balance transfer from from my wife credit cards discover of the amount of {$2900.00} After 1 month I got the Statement from XXXX card and I sew that the balance Didnt go through so I called Wyndham rewards and start to get a lot of lies from them its all ready Past 7 months and they didnt respond back to me in the mean time I paid both credit cards for Wyndham ( yes they charge me {$2900.00} ) and the XXXX card that I paid high interest rates ( 24 % ) in the last 7 months I called the company every week and still didnt get respond they just give me different case number the last one I got was XXXX XXXX Thanks XXXX XXXX
Product: Credit reporting 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. 
Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX / ( XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXXXXXX Account # : XXXX Account Name : 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 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.