23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of one collection account listed on my credit report, which were reported by JPMCB CARD ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in XXXX XXXX XXXX, I am requesting verification of these alleged debts. 

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXX XXXX Balance Owed : {$430.00} DPT EDXXXX XXXX Balance Owed : {$5600.00XXXX DPT EDXXXX XXXX Balance Owed : {$3300.00} DPT EDXXXX XXXX Balance Owed : {$1600.00} DPT EDXXXX XXXX Balance Owed : {$5000.00}
Product: Debt collection

Last year i spoke to LVNV FUNDING LLC regarding an amount that was not used by me. The amount was XXXX that i was told someone in Connecticut was using at the time. I spoke to the company and i was told by XXXX XXXX XXXX that someone was using the card in Connecticut.The card was not in my possession.XXXX XXXX XXXX decided to report on my credit. I have never been to Connecticut before.I reported the card to XXXX XXXX and nothing was done i was told someone used the card in Another state and no one fixed the issue instead they reported an amount that was not used by me.
Product: Debt collection

HSBC is reporting a charged off acount on my XXXX and XXXX credit reports. This account was involved in litigation in which I prevailed and the case was dismissed with prejudice and the account was to be removed entirely from my credit report. The account remains on these XXXX reports showing XXXX balance but reporting negatively and inconsistently between the XXXX reports.
Product: Mortgage

There is a pending foreclosures sale date XX/XX/XXXX. Despite the fact that. 
1. A timely request for validation was sent to Nationstar Mortgage ( " NS '' ). ( The principal amount due, the principal balance is disputed. ) Please provide a proper ledger from the inception of the loan and mortgage with a proper chain of tittle. 
2. NS is foreclosing on Loan # XXXX on behalf of XXXX National Association, As Trustee ( " U.S. Bank '' ). No record have shown that XXXX is the owner of the loan or the mortgage. U.S. Bank in 3 separate occasions have denied ownership of loan stating that they are a " mere trustee '' to the investors to the loan ( NS or XXXX have standing in this foreclosure action and it 's Authority is disputed ) see attached exhibits XXXX. The 6 year statute of limitation have expired to collect on this debt. NS 's Attorneys continue to harass me with debt collection letters. 
4. Excess fees added to the loan after the loan has been accelerated are illegal. This alleged loan has been accelerated on or before XX/XX/XXXX by XXXX. ( see attached exhibit " A '' 5. NS will not assist approve a modification claiming that already had a modification. However, Modification was approved by XXXX. but was not acknowledge by XXXX after it was transferred. That resulted in voiding of the contract. XXXX later apologize but would not restate the modification instead transfer the loan to NS.
Product: Credit card

Synchrony bank has charged me late fees since having this account open, even when I've paid on-time. 
XXXX - I called and asked to remove the late fee from that billing statement. I also put my account on paperless billing so I wouldn't be charged an additional fee of $ XXXX. They told me they removed the late fee, changed me to paper billing and told me to bring my account to " current '' I would need to pay an additional {$XXXX}. I paid the {$XXXX} that day. 
XXXX approx XXXXXXXX XXXX - I received my bill for the month in the mail, even though I has requested paperless, and noticed I was charged the {$XXXX} paper fee and was also charged {$XXXX} in interest as well as a {$XXXX} late fee. I called - a gentleman named XXXX answered and said he removed the late fee and would put me on paperless. He told me to login in XXXX hours and see what my actual balance due is. 
XXXX approx XXXXXXXX XXXX - I logged in and noticed only the paper billing fee had been removed and not the late fee, so my amount owed still didn't reflect what I was told it would. I opened a chat with a live agent from the bank 's website. She said the late fee wasn't removed and that she couldn't because I'd already had a late fee waived and she couldn't do it again. She told me I would need to call the customer support line and have them help me. Now I have no idea what the actual amount I owe is for the month. 

To note, I had automatic payments coming from my bank XXXX both arriving BEFORE the due date of the total balance from before. This was noted by the company as well so I had " special permission '' to do it this way, which is also ridiculous. However, now, my bill is saying I owe an amount that includes a late fee, which would push me over the total from those XXXX payments. This is a vicious cycle and one I shouldn't even be in given I pay my bill on time, every single month. I have no idea what amount I actually owe without the late fee and nobody can seem to tell me.
Product: Checking or savings account

HSBC sends various promotional and survey emails stating they are important account information when they are not. There is no unsubscribe link to unsubscribe from these messages that are clearly survey or marketing emails under the guise of important account information and hence dont contain the unsubscribe link.
Product: Debt collection

I received a letter stating that I owed {$2500.00} to XXXX a company that I have never done business with and offering a settlement amount of {$760.00}. Normally of collections letter they say something regarding disputing within a certain amount of time but this one does not say that. But it does say due to the age of the debt law prohibits me from being sued or from it appearing on my credit report.
Product: Checking or savings account

I was assessed an overdraft fee on my business account on XX/XX/19. It was an oversight on my part. I am asking for a refund. I have been told that the overdraft can not be refunded.
Product: Debt collection

On or about XX/XX/2024, I spoke to multiple representatives and made a payment arrangement of {$100.00} monthly and provided authorization for automatic withdrawals from my checking account starting XXXX XXXX. I was advised my account would be closed, interest rate would be reduced to XXXX  % and after 3 payments my account would be marked current. 

My XX/XX/XXXX payment was withdrawn from my account and posted. I noticed my XX/XX/XXXX payment was not posted and I called Ally Bank. The representative stated the employee made an error and she should never have placed me on the arrangement, even though Ally sent me a letter confirming our arrangement, representative stated my account was charged off and sold to XXXX XXXX. I called XXXX XXXX and they stated they did not have the account. 

I called Ally Bank and advised the representative their employee made an error and they had to honor the arrangement. Then I spoke to a supervisor and she stated she would escalate my complaint and would have someone call me back. 

No one called me back. 

Due to being a former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted my former assistant XXXX XXXX who works for Ally Bank now. I explained what happened and the error that was made and she escalated my complaint to the Office of the President and they called me and stated they were going to conduct an investigation of why the error happened and get back to me. They stated it would take up to 30 days and I havent heard back yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrecXXXX XXXX XXXXL XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following account is not mine US DEPT ED Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

This debit collection is not in my NAME there for it does not belong to me they are reporting this on my credit report as if im the one reliable for this debit when I am not they need to remove this from my credit report be it does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact investment retrievers regarding an account that I never owned and they told me to dispute it and it will be deleted and that was correct except it still remains on XXXX after 90 days and I am trying to close on a home and this is holding me back I just ask that since its verified it didn't belong to me why wasn't it removed from all 3 not just 2 reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccuracies present on my credit report with Equifax, and to demand immediate investigation and correction pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. My dispute concerns the erroneous information listed under XX/XX/XXXXXXXX ( who is being sued ), XXXXXX/XX/XXXX XXXX XXXX XXXX, and all other negative accounts on my Equifax report, which is inaccurate and has adversely impacted my credit profile. I would like to remind you of the ongoing issues with the manner in which Equifax, along with other major credit reporting agencies, has been handling consumer disputes. As you are aware, the Consumer Financial Protection Bureau ( CFPB ) ordered Equifax to pay millions, for conducting improper investigations of credit report errors. The order highlights the failure of Equifax to properly investigate disputes and the continued listing of inaccurate information on consumer credit reports. These actions clearly violate the requirements set forth under the FCRA, and I demand that you cease such practices with my credit file. Under 15 U.S.C. 1681i, you are legally required to : 1. Conduct a reasonable investigation into any dispute raised by a consumer regarding the accuracy or completeness of information on their credit report. 2. Correct any inaccuracies within a reasonable time frame ( typically 30 days ), and provide written notice of the results of your investigation, including a copy of my updated credit report if changes are made. In light of the CFPBs order and your apparent failure to adhere to the statutory requirements, I demand that you : * Immediately initiate a thorough and independent investigation into my dispute, ensuring that all relevant information is properly reviewed. * Correct any and all inaccuracies within my credit file, and provide written documentation of the investigation results. * Cease any practices that might undermine the integrity of the dispute process, as described in the CFPB 's legal action. Failure to comply with these provisions not only violates my rights under the FCRA but also subjects Equifax to legal liability, as outlined by the CFPB 's actions. As a consumer, I will not tolerate such negligent practices and expect immediate remediation.
Product: Debt collection

Citizens bank funded a system that was a trial done by my ex and they claim I owe the debt XXXX from the office of the chairmen assured me that the would try debt collection but this would not go on my credit but I checked my report and I lost XXXX points due to them reporting this to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting multiple inquiries on my account that I never authorized I was a victim of identity theft There are addresses on file that should not be on there Only XXXX XXXX XXXX XXXX XXXX fl XXXX should be on there They are reporting a collection account from XXXX XXXX that does not belong to me Transunion XXXX and XXXX are reporting a lot of inquiries to whom i dont have credit with and those inquiries need to be removed immediately I already sent in a idenity theft report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nevada XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Regarding Debt Not Belonging to Me Dear Sir/Madam, I am writing to formally dispute and demand that the Consumer Financial Protection Bureau cease and desist any further communication or actions related to a debt that has been inaccurately attributed to me. The debt in question does not belong to me, and I have no obligation to repay it.

I have reviewed the information associated with this debt and have found that it is either the result of a clerical error or an instance of mistaken identity. To date, I have not received any documentation or verification supporting the claim that I am responsible for this debt, and I am requesting that you immediately cease any attempts to collect or report this debt.

Please consider this letter as my formal request for the following : Immediate cessation of all attempts to collect on this alleged debt.

A formal investigation into the source and validity of the debt attributed to me.

A written confirmation that no further actions will be taken against me regarding this matter.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations, I trust that you will take swift action to resolve this issue. Please respond to me in writing within 30 days to confirm that this matter has been addressed.

If you continue to pursue this debt without proper validation, I will consider all available legal remedies to protect my rights.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX
Product: Debt collection

Fraudulent account open in my name never lived in Texas. Opened account in Texas never lived there
Product: Debt collection

I received a noticed from XXXX XXXX XXXX ( Reference Number : XXXX ), stating that they are trying to collect a debt for XXXX XXXX XXXX XXXX with the original creditor listed as Household Bank from XXXX of 2007. I contacted the original Household Bank and they told me that they do not have anything listed with my name and social listed on it, their records were transferred to XXXX XXXX. I called XXXX XXXX, who said that they also have no record of any debt under my name and social from 2007.
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 Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 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

I have successfully submitted and got fraudulent items removed from my credit report through the three major bureaus and need to have the same done with this company. I have tried submitting request after request both through their portal and by calling and no one will call me back or look into these issues. Please remove the following items in the attachment from my credit as soon as possible.
Product: Money transfer, virtual currency, or money service

XXXX has disabled withdrawals with no warning. I do not want the funds in my wallet to be used to pay blockfis creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : 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 an 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: Checking or savings account

Received a check for {$1000.00} in XX/XX/XXXX for my security deposit from a property management company. I mobile deposited the check in XX/XX/XXXX and the money was put into my savings account. About six months later in XX/XX/XXXX, my savings account showed a withdrawal of {$1000.00}. After calling the bank to find out more, they referred me to a bank branch for an answer. They said that someone intercepted or copied the check ( same check with same numbers -- different signatures! ) and that it was mobile deposited before my deposit occurred. 
The bank ( TD bank ) told me to file a claim with them and then to file a claim with the bank of the original check ( XXXXXXXX XXXX ). I followed their lead, but after 120 days of waiting for a response, there has been no response from XXXX XXXX TD bank says they can't give me my money back without an acceptance from XXXXXXXX XXXX. TD bank was responsible for the check being deposited both illegally and legally Two times! The funds should be replenished to my account. 
It is obvious that I am the rightful owner of the check and the funds but the banks are not safeguarding my funds. It's not my job to chase around funds that the bank was incapable of protecting. I realize it's a small {$1000.00} but I am a hard-working individual trying to pay off college debt and pay off my own bills.
Product: Debt collection

XXXX is collecting asking for far more than what is owed and I have no recollection or proof of any of these fees incurred. This is bad for my credit I am trying to purchase a home and the company is being difficult.
Product: Credit reporting or other personal consumer reports

Court order GRANTED to shield records, A judgement for repossession of the rental property was not granted in favor of the landlord
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX 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.