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

This letter is to formally dispute the validity of the alleged debt referenced above and to notify you of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Dispute of Alleged Debt : Pursuant to the FDCPA, specifically 15 U.S.C. 1692g, I am exercising my right to dispute this alleged debt. I am requesting verification of the debts validity, including but not limited to all relevant information proving I am responsible for this debt and that the amount claimed is accurate and legally owed. Until you can provide proper validation of the debt, I dispute its validity and any associated liability. 

Cease Communication : Under FDCPA Section 805 ( c ), 15 U.S.C. 1692c ( c ), I formally request that you cease all communications with me regarding this alleged debt. This includes all phone calls, emails, letters, or any other forms of communication to myself, my family members, or my place of employment. 

Compliance with the Fair Credit Reporting Act ( FCRA ) : If you have reported any information about this alleged debt to any consumer reporting agency, I request immediate investigation and verification of the accuracy of the information under FCRA guidelines. Failure to verify this debts legitimacy could result in inaccurate information being reported on my credit report, which would be a violation of the FCRA, and I reserve the right to pursue legal remedies if such inaccurate reporting occurs. 

Removal of Any Reporting on Unvalidated Debt : Should the debt remain unverified within the time specified by law, I request that all reports or entries about this alleged debt be immediately removed from my credit report. Reporting unverifiable information is in violation of FCRA Section 623 ( a ) ( 3 ). 
Please provide me with written confirmation that your agency has complied with these requests within the next 30 days. Failure to validate this debt and cease communication may result in further actions to protect my rights. 

1. XXXX XXXX XXXX - Account Number : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

reported forgery to State police, FTC and US Fed Loan offices, fraud loan and collection actions,
Product: Credit card

On XXXX XXXX, 2016 I closed my Citi ThankYou Premier account. The auto-generated message said that I will have 60 days from the date of closure to redeem ThankYou Points. I have called to inquire about the rule since I had an open Citibank ThankYou Prestige card under the same account. I was told that since points were transferred to another current account I have 90 days to use whichever points were earned on the closed account and given that the points are pooled I will see a message under 'my summary ' with exactly the number of points I have expiring and when. I have checked on XXXX/XXXX/2016 and there was no message alerting me of points expiration. Today I have logged in to redeem the points for a flight and I see that XXXX ThankYou points are gone from my account : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. XXXXFraudulent 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 Fraudulent Inquiries XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a complaint # XXXX The Original Compaint was : In XX/XX/XXXX I did a 12 month COVID 19 Forbearance with Mid-America Mortgage XXXX They assured me through the CARES Act that it would not report negatively on my credit. At the end of it I chose an option, allowed to me as a XXXX XXXX loan, to do a streamline modification. They tried to force me into other options by sending me the wrong docs, and I finally got them to do the streamline. They told me that their policy is to have me pay 3 payments and that after that it will be streamlined. I just made my third payment, and got a notification from XXXX that there has been a massive change to my credit score. They reported me as missing 12 payments totaling over {$33000.00}. It dropped my credit score from the XXXX to XXXX. I reported it to them and they told me they would put it under review and it could take up to 45 days if they were to fix it. That was last week. As of today they reported me late again. My understanding of the Cares act is this should not be reported as delinquent unless I defaulted on the loan after the forbearance was done. To this day, I can not make payments online. They still have me marked as in a loss mitigation and I have to make payments by calling them. 

Their response was : Our records reflect a credit reporting correction was submitted and processed due to an internal servicing error. We sincerely apologize for any frustration or inconvenience that this may have caused to the consumer. The Automated Universal Data Form ( AUD ) was completed on XX/XX/XXXX in reference to loan XXXX. The AUD is a manual update to remove the derogatory delinquency for XX/XX/XXXX and to report the loan according to the credit suppression. The update was submitted to the three major credit bureaus to reflect the current loan status. The consumer may reference the control number XXXX for their records. This was submitted to XXXX, XXXX and XXXX. Please be advised it may take up to 30 days for the agencies to update their records. Free credit monitoring services may take longer to update the status of reporting based on the third party. Please accept this letter as evidence the update has been submitted. The consumer has been advised that access to payments through the online portal, CARE, will be restricted until the Loan Modification is completed. We received the third Trial Payment as agreed in the amount of {$2700.00} on XX/XX/XXXX. Subsequently, the Loan Modification Document Package and Agreement have been mailed on XX/XX/XXXX with instructions on how to execute the documents included. Failure to return the executed documents per the requirements may result in the rescission of the Loss Mitigation option. Additionally, the consumer has been advised to please ensure all requested documents are submitted in a timely manner to facilitate Mid America Mortgage , Inc.s review of your account for appropriate workout assistance. 

They removed it from my credit, and 2 weeks later put it right back on dropping my credit score from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I am reporting a fradulent inquiry found in my credit report.I want to disputed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} CAF XXXX Balance Owed : {$XXXX}
Product: Debt collection

This is regarding select portfolio servicing they have the balance of one of my rental homes, it was refinanced around 10 yrs ago with a balloon payment. 
We had forgot about the balloon portion of the loan, however in XX/XX/XXXX we received a letter saying the balance of the loan was due by XX/XX/XXXX we called select porfolio servicing in XX/XX/XXXX and was informed the loan was due however wasn't advised it meant we had to refinance the rental to a different lender. WE where told that everything was fine and there was no issues just keep paying.we got other notices regarding this through out the year! Each time there was not any word about it having to refinance the loan. Then In XX/XX/XXXX They stopped taking payments from us and reported on our credit report that we have late payments. I have none stop been calling them and I was told by a person there whom I have the name that select portfolio would do everything in there power to help resolve the issue. Yet today I called and told them I needed them to remove the late payment off my credit report because the loan officer that's doing the refinance had denied us a loan to refinance because of select portolio. They tell you a different story every time you talk to them, there purposely giving us the run around, They also have an insurance check that belongs to us of XXXX as well as another XXXX tax return
Product: Mortgage

I have a sum of money to pay down my mortgage below 80 % original XXXX. I submitted an online request to see how to stop PMI, since the payment I would send would pay down the balance below 80 %. However, I got a letter in response, saying I would need to pay the loan down below 80 % XXXX AND pay {$600.00} to request an exterior and interior appraisal with their contracted company. Also, the {$600.00} can increase depending on the complexity of the appraisal. To my understanding, a lender CAN NOT force a customer to use an exclusive appraiser for any reason, and also, I can request PMI be removed as soon as my balance is below 80 % of the original value WITHOUT needing an appraisal. 

This is a deceptive practice to not only force the consumer to use an appraiser contracted by the lender, but goes against the Homeowners Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX points on my Equifax credit report unfairly and inaccurately. All Accounts removed are being deducted from my general score this is wrong. Accounts balances reported as decrease is deducting reports. This is wrong. Accounts with no status being reported is deducting points. 
XXXX XXXX reporting removed accounts as still open by not removing the account. 
XXXX XXXX is not reporting all the accounts accurately. Accounts are being reported close as open. Closed accounts must be deleted. Closed accounts are paid in full. Please remove the accounts that are placed in different areas on Equifax.
Product: Debt collection

EVERY MORNING UPON SEEING MY CREDIT REPORT, THESE FRAUDULENT ACCOUUNTS ARE STILL XXXX ME OUT AND MAKING ME LITERALLY XXXX. PLEASE HELP PERMANENTLY REMOVE THESE.
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 u.s.c 1681.. 
Account name... XXXX/XXXX... Account number # XXXX... Account Name... 
XXXX  ... Account Number # XXXX  ... Account Name.. XXXX XXXX XXXX... Account # XXXX  ... Account Name ... XXXX/XXXX  XXXX. XXXX ... XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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 an account without my written instructions..

15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate..
Product: Bank account or service

I tried opening a XXXX account, but was being reported by Early Warnings, saying that I had a 5/3 Bank Account in my name I 've never banked with them before.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

There are errors in this information about these accounts that are incorrectly reported in my report. 

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

After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated. How is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
I also noticed each agency lowered my credit scores after I filed a complaint of inaccurate and or unfair reporting/use. According to federal law and the fair credit act it is strictly prohibited to retaliate against consumers for requesting remedy or corrections to their reports. 

They also violated my rights under : 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts and corrections are not made and removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a fraud alert from Genesis FS for my Milestone credit card. I denied the payment and they placed a hold on the card. A payment to my credit card that I made to reduce my balance went through on XX/XX/XXXX. When I opened my account online their were other charges that I did not make that had come out. I am unable to log back into my account, I have called every number for Milestone and Genesis FS and the phone hangs up so I have not been able to talk to anyone or close my card.
Product: Debt collection

This is my second complaint against the unlawful acts of Portfolio Recovery Associates LLC. Please see CFPB Complaint XXXX XXXX. Portfolio Recovery Associates LLC provided false information to CFPB in its response stating that Portfolio Recovery Associates provided to me, all requested validation of the alleged debt. 
My first requested document was a copy of the original contract between XXXX XXXX and Synchrony Bank. Portfolio Recovery Associates LLC failed to provide the requested document but stated in its response that Portfolio Recovery Associates LLC had purchased an account AND contract. 
Portfolio Recovery was obligated to comply with the federal Fair Debt Collection Practices Act ( " FDCPA '' ) and the Texas Debt Collection Act ( " Texas Act '' ). The former makes it unlawful for a debt collector to " use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e. That prohibition includes, among other things, communicating " credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' Id. 1692e ( 8 ). The Texas Act contains a parallel prohibition. See TEX. FIN. CODE 392.202 ( a ), 392.301 ( a ) ( Portfolio Recovery Associates LLC failed to communicate with consumer reporting credit agencies that this alleged debt was being disputed but instead, provided partial documentation which did not suffice what was requested from them. And as a result of Portfolio Recovery Associates violation of 15 USC 1692e ( 8 ), a credit application from myself to studentaid.gov for a Parent Plus Loan to help pay for my son 's college education, was denied solely based upon the Portfolio Recovery Associates collections account shown as a negative reporting on my consumer credit report. The FTC and FCRA encourages fair reporting to reporting agencies but Portfolio has denied me of any fairness through violations. 
Recently, Portfolio filed a lawsuit against me alleging that I, XXXX XXXX, owed a debt to them. Attached to the lawsuit is documentation which supposedly supports the alleged owed debt. Portfolio Recovery Associates LLC provided a Bill of Sale which does not include any alleged account information supposedly belonging to XXXX XXXX. 
As a consumer, I am fully aware of the courts most recent decision of the CFPB XX/XX/XXXX lawsuit filed against Portfolio Recovery Associates for their violations against the 2015 Order, the CFPA, FDCPA, and the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V. 
Portfolio Recovery Associates have continued with these violations in spite of the final judgement results of the lawsuit and I want to make sure CFPB is fully aware of it.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. 

Notably, the account " XXXX XXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and SYNCB/TJX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/TJX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Vehicle loan or lease

Back in 2022 car was repossessed I did not have the opportunity to retrieve my belongings and medications out of the vehicle that was paid for and the car became a lemon and was not working
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries are causing an immense hardship on my life. Per the FDCPA, FCRA, TILA and 18 USC 2265. 
An account needs to be established with full faith and credit or deleted off my consumer report. I do not authorized in use of my credit without there being a benefit to my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.
Product: Credit reporting or other personal consumer reports

Errors related to 15 USC 1681c-2 appear on my credit report, showing inquiries that I did not authorize. These mistakes are hurting my credit, and I kindly ask for all unauthorized hard inquiries to be removed. Thank you.