23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Southwest Credit Systems XXXX XXXX XXXX I am writing to formally dispute an alleged debt of {$1300.00} listed on my credit report, which I assert is fraudulent. I have never incurred any debt with your company or its affiliates and have no record of any contractual obligations with either your company or the original creditor. 

The inaccuracies in reporting this account breach both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To address this issue promptly, I require the following documentation : Proof of authorization to handle this matter under 15 USC 1692 ( e ) and 1692 ( f ).

Legal basis for the collection of this alleged debt.

Evidence of your authorization to operate within my state.

Documentation of the alleged debt, including any contracts or agreements with my signature.

A complete account history, including all collection-related charges.

I am filing a complaint for violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse related to debt collection.

1692e : False, deceptive, or misleading representations.

1692g ( b ) : Failure to disclose my rights.

1692f : Unfair or unconscionable means to collect a debt.

Per 15 U.S.C. 602 ( a ), I demand an immediate halt to all communications and collection activities concerning this account. Additionally, under 15 U.S.C. 604 ( a ) ( 2 ), no account should be furnished without my written consent.

I request the prompt deletion of this disputed account from all three credit reporting agencies due to its unrecognized status and lack of contractual obligation. Failure to comply may result in legal action to protect my rights. Please provide proof of the debt or remove the erroneous account from my credit report as soon as possible. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Debt collection

THE HEREIN MENTIONED ORIGINAL CREDITORS, DATA FURNISHER AND OR FINANCIAL INSTITUTIONS USED DECEPTIVE AND UNFAIR METHODS TO OBTAIN THE CONSUMERS CONSENT TO DISCLOSE PRIVATE, PERSONAL, NONPUBLIC, FINANCIAL INFORMATION TO THIRD PARTIES WHICH INCLUDES BUT IS NOT LIMITED TO XXXX XXXX, XXXX, AND XXXX. AFTER FRAUDULENTLY OBTAINING CONSENT THE HEREIN MENTION DATA FURNISHERS, ORIGINAL CREDITORS, AND OR FINANCIAL INSTITUTIONS THEN USED THE CONSUMERS INFORMATION TO FURNISH INFORMATION TO CONSUMER REPORTING AGENCIES BREACHING THE CONSUMERS PRIVACY
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX  XXXX XXXX Balance : {$430.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX Equifax XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Mortgage

Carrington Mortgage hold my mortgage and has put force place flood insurance on my property which has increased my payments by XXXX a month. They are using XXXX which is a 3rd party to administer this policy. I have been sending documents and calling since XX/XX/XXXX. I was always getting a different answer with every person that I talked with. I have also submitted a request for a LOMA directly from FEMA website, the process is schedule to be complete XX/XX/2020. I also submitted an email from XXXX County Assessor with XXXX XXXX and maps directly from FEMA, stating that my property is not in a flood area. My loan number is XXXX
Product: Credit reporting or other personal consumer reports

Remove bankruptcy To whom it may concern : I HAVE PREVIOUSLY DISPUTED " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITH YOU AS FRAUD, IDENTITY THEFT, AND IN RESPONSE. YOU VERIFIED THE ITEM AS UNABLE TO REMOVE, STATING THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT. AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681T ). AND THE INFORMATION MUST BE DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a closed paid collection being reported on my Equifax credit report by a debt collection agency that I did not have an account with. In  XXXX   XXXX , I noticed  XXXX   XXXX   XXXX  based in  XXXX , MD reported that I owed them {$120.00} and that the account was opened on  XXXX   XXXX ,  XXXX . I had never received any correspondence nor had I had any communication with this collection agency. I disputed the debt with Equifax twice and with   XXXX   XXXX   XXXX  . According to  XXXX   XXXX , the tradeline was removed on  XXXX   XXXX ,  XXXX . Approximately, a week and a half later the tradeline had reappeared on my Equifax report with the same inaccurate information. I then contacted the original creditor The  XXXX   XXXX   XXXX   XXXX  to inquire about the amount that the collection agency was reporting. On  XXXX   XXXX ,  XXXX  I went into the credit union and paid them directly in the amount of {$140.00}. Because this inaccurate information is negatively affecting my credit score, I asked the credit union to inform the collection agency that the debt has been paid in full and to remove the inaccurate information from my credit report. To this day the collection agency is still reporting on my Equifax report as if I had paid them instead of the original creditor. While the account has been updated to paid and closed, I would like for the debt collection agency to be completely removed from my credit report since I did not have an account with them, I did not sign a contract with them and I did not owe them any debt. I have attached a copy of the paid statement received directly from the credit union.     Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRITTEN XXXX AND I HAVE WRITTEN SUNTRUST, NO HELP WHAT SO EVER.. ITS SAD BUT THE BUREAU 'S AND THE BANKS HAVE TOO MUCH POWER,, WAY TO HARD TO CORRECT REPORTING MY WIFE AND I ONLY WANT TO BUY A SMALL HOUSE FOR THE FAMILY
Product: Debt collection

I have received multiple calls from XXXX. The agent states they're with Waypoint Resouece Group and they want to collect a debt accruing since XX/XX/year> on a XXXX XXXX account that I don't have. They referenced my full social security number, tried to get me to spell out my full name, and told me that they would be reporting me to the credit bureau for my lack of payments. 

I did manage accounts for a XXXX XXXX company ( XXXX XXXXXXXX ), and I did open XXXX XXXX accounts for 2 phones that I believe to be what the " collector '' was talking about. I reached out to my old employer and they assured me that my name is NOT associated with any of those accounts, nor did they really know what I was talking about. 

I called XXXX and was told they show only 1 account, which is my personal home account with them, and it's paid on time, every time. I also asked about Waypoint Resource Group and was told that Spectrum uses XXXX XXXX for collections and not Waypoint. 

All the way around this is suspicious for me as a consumer. I'm extremely worried that this person will continue trying to use my personal information and there will be continued negative impact to my credit profile.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. 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 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 those accounts 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 21 days before the payment due date. 


XXXX XXXX XXXX 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 21 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: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Account Number : Amount : {$7300.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : Amount : {$820.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : Amount : {$4000.00} Date Opened : XX/XX/XXXXXXXX  I request that these accounts be deleted from my credit file because they are fraudulent and do not belong to me. These entries are creating unnecessary stress in my life and preventing me from moving forward. I am requesting that they be removed so that I can continue to make progress with my goals without further setbacks.
Product: Checking or savings account

I am the POA and court-appointed conservator for a checking account holder at Wells Fargo XXXX I became her POA in late XX/XX/XXXX. Upon reviewing her financial records, it was apparent that there were fraudulent checks clearing her account from XX/XX/XXXX - early XX/XX/XXXX. In fact, a letter was found from Wells Fargo Fraud dated XX/XX/XXXX stating that there was potential fraud and that the account would only be unfrozen if the accountholder contacted XXXX. I went to a Wells Fargo branch on XX/XX/XXXX to provide the POA agreement and notified them that there was check fraud occurring that amounted to over {$50000.00}. I was told the POA agreement would be sent to Legal for review. On XX/XX/XXXX, I returned to Wells Fargo to get statements and sign for the account ; that documentation was being processed but I received the copies of the checks. On XX/XX/XXXX, I returned to the branch and asked to make a fraud claim to attempt to regain the funds. I was told I was not yet added to the account so I could not do so. I returned again on XXXX and was told the POA was not yet processed even after explaining the urgency. On XX/XX/XXXX, I went to the branch to sign additional documents and was added as POA. Checks continued to be presented on the account and some were rejected for fraud. One check did clear the account for {$4500.00} on XX/XX/XXXX. Why was this allowed to happen? Why did Wells Fargo leave an account open that was clearly compromised? It is extremely difficult, if not impossible, to speak to someone at Wells Fargo who can address this. I have called and I just get passed from one department to another. Branch employees are not able to help with fraud. My client has losses of at least {$61000.00} and Wells Fargo has still not taken a fraud affidavit. I felt that making a written complaint was my only option at this point to see if someone will at least speak to me and explain why appropriate measures were not taken and why I was not permitted to file a fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the account.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Removal of Charge-Off Due to Lack of 1099-C Form Dear Navy Federal Credit Union I am writing regarding the charge-off reported on my credit report for the accounts [ XXXX ]. I believe that this charge-off should be removed from my credit report because I did not receive a 1099-C form for this debt, which I understand is required for the debt to be considered officially settled or forgiven.

As per IRS guidelines, creditors are obligated to send a 1099-C when canceling or discharging a debt of {$600.00} or more. To the best of my knowledge, no 1099-C form was issued to me for this account, and as such, I am requesting that the charge-off be deleted from my credit report.

Please review the details of this account and let me know how you intend to proceed. If you are unable to provide a 1099-C or verify that one was issued, I respectfully request that the charge-off be removed from my credit file in accordance with both the IRS requirements and fair credit reporting standards.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ]
Product: Mortgage

Our monthly mortgage payment is {$3900.00} which is paid by check monthly. We were behind payments, and we called Rocket Mortgage to advise them payment was forthcoming. The agent requested payments be setup by ACH and I declined that offer on a recorded line and advised them payment would be made as we ususally do by check. In fact, payment of {$8300.00} on XX/XX/year> was processed by Rocket Mortgage. On XX/XX/year> Rocket Mortgage overdrafted our account by withdrawing {$8300.00} from a savings account. This would provide TWO MONTHS of mortgage payments ahead of what we paid. We, overdrafting us by over XXXX. We now have no money to feed our children, farm animals or pay any other bills. We were glibly told this would continue to occur by phone and that return of funds would take 5-7 days. Our kids can not wait 5-7 days to eat. We were current on our mortgage. This is egregious.
Product: Debt collection

This company information was given to by XXXX XXXX XXXX XXXX XXXX after I tried to resolve a debt. I was told by an XXXX XXXX XXXX XXXX XXXX associate that the company was " just like '' them and I could contact them to pay on the debt. I believed XXXX XXXX XXXX XXXX XXXX associate and I just wanted to settle the debt and move on from this. The experience with this company has been a nightmare to keep it mild, they initially called asking me to pay half the debt and I explain due to the pandemic my hours were reduce and I could not pay at that time. I was told I could pay online, in the month of XXXX I made a payment and again in XX/XX/2020. This company continues to call no manner what, I asked them to review my account which should show I am trying to pay on my debt I was told to place a credit card or checking account on file to stop the calls. I didn't feel that safe doing so because I know nothing about this company and I express that is poor customer service to contact me even when they have seen I paid a payment online. After researching this company they are NOT the same as XXXX XXXX XXXX XXXX XXXX associate and I have sent a certified letter requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company. I have also sent a letter addressing the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX associate requesting they promptly rescind account information furnished to this company, Synerprise Consulting Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, As requested by Innovis in the C.F.P.B compliant # XXXX. I have attached another FTC ID Theft Report and the local law enforcement agency police report for identity theft. Documents attached
Product: Debt collection

On XX/XX/2018 I spoke with XXXX XXXX from XXXX XXXX XXXX  via a phone call and she informed me that my bank account would be frozen if I did not pay {$5800.00} concerning an alleged debt to XXXX XXXX. I am an elderly person with a hearing problem living on Social Security and was scared by her conversation.
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. 

XXXX XXXX inquiry : XX/XX/XXXX Navy FCU inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completedPursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Bank account or service

On XXXX XXXX, 2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. They told me they sent a check to my address on XXXX XXXX. Over the course of the past 2 months I have spoken with the bank in 29 phone calls. When I spoke to the bank today, the representative told me the bank sent the check to the wrong address. He went on to tell me the bank could not stop payment on the check. He said I would have to wait another 90 days. At that point the bank will issue another check, and mail it to me. 

The bank has approximately {$20000.00} of my money. I need that money. They have held it from me for 2 months. Now they are planning to hold it for another 3 months. Surely, the bank has the ability to cancel the check they sent to the wrong address. They have the ability to mail, wire, or ACH the money to me. They are hiding behind policy and choosing not to return my money to me in a timely manner. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX {$0.00} / XX/XX/XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Mortgage

I was XXXX  for XXXX  XXXX  and came out to my home in foreclosure status, I contacted the FHA resource line and was assigned an agency to help me and I completed all required documentation to get help. 1 month later I get notice my home had been sold. I never received notice of foreclosure only notice of pre foreclosure. I am now distraught and without any resources because they agency that was given to me to mediate said I slipped thru the cracks. Please I'm begging for your help. I have all emails from the agency that was suppose to be helping me. Who when I contacted said we are so sorry contact a lawyer