23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. C. 1681c- 2 ) that you, The credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of I am a victim of identity theft. My information was exposed in a data breach. Please remove these accounts listed in my FTC report within four business days under section 605B. A list of these accounts include 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Beginning of XXXX I opened an online savings account with Everbank. Somehow the {$10000.00} ( opening ) transfer I requested from XXXX XXXX to new Everbank account processed twice so there was {$20000.00} in the new online account. A couple weeks later, I requested a wire transfer of some of the money for personal expense I had to pay for.

Transfer was denied with a letter from their fraud department. I called the number in that letter before closing hours on a Friday - no answer - called again no answer so I left a message. No reply to the message. Since I did not get the money before the deadline I was under ; I then emailed the fraud department and indicated cancel the transfer request. They still had not returned any calls to me. Ten days or so after the rejected wire transfer request I tried to add funds to the account as a direct transfer from XXXX XXXX. The account was locked. I called Everbank and spoke to a representative that said someone from another department would call me back within 48 hours. No one has called. Since my account was locked ; I have called 4 times. No one from Everbank and told me why I do not have access to the funds I transferred from XXXX XXXX. I would like access to my funds and I my account and I would like Everbank disciplined / fined/ penalized for keeping people 's money without authorization.
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Transunion is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Transunion thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Transunion continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts. 

Violations committed by Transunion : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized  XXXX   XXXX   XXXX   XXXX  to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.
Product: Money transfer, virtual currency, or money service

The following transactions were placed using my credit and debit cards without my consent and knowledge : On XXXX XXXX {$200.00} was taken from my debit cad ending in XXXX On XXXX XXXX {$100.00} was taken from my debit cad ending in XXXX On XXXX XXXX {$200.00} was taken from my debit cad ending in XXXX XXXX XXXX {$50.00} was taken from my debit cad ending in XXXX XXXX XXXX {$250.00} was taken from my debit cad ending in XXXX XXXX XXXX {$130.00} was taken from my debit cad ending in XXXX XXXX XXXX {$50.00} was taken from my debit cad ending in XXXX XXXX XXXX {$25.00} was taken from my debit cad ending in XXXX At the time of these transactions I was and still am XXXX. I did not and still have no access to any internet services either directly or through a 3rd Party to conduct any of these transactions. I also did not authorize any of these transactions and lacked knowledge of them until recently. 

I may be contacted at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX  XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX  XXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-XXXX, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. 

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX  XXXX account shows discrepancies across bureaus, including incorrect 30-day late payments in XXXX for TransUnion, XXXX and XXXX, despite on-time payments. High balance varies, with {$300.00} reported by TransUnion and XXXX, but {$500.00} by XXXX. Dates of " Last Activity '' and " Reported '' also differ, and XXXX lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights.

Thank you for your immediate attention to this matter.

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

In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and Equifax are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.
Product: Checking or savings account

From XX/XX/2021 to XX/XX/2021 I was defrauded and scammed and led to send XXXX and wire transfer payments of around {$40000.00} to XXXX. I made formal complaints to Bank of America to dispute and rescind those funds. Bank of America wanted official phone records from my phone company XXXX but they informed me they are not able to do so. I made another complaint to reopen the account yesterday and today I was notified that my checking account at Bank of America is being closed due to " business decision. '' Instead of helping me claim the defrauded amount they have chosen to close the account instead. I have mortgage due in XXXX days XX/XX/XXXX and they have locked my money until official account closure in XX/XX/XXXX. I can not access the funds at all for anything. To pay for food, mortgage or anything. Under the Electronic Fund Transfer Act banks should be able to help victims of scammed XXXX bank customers. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled my credit report on XX/XX/XXXX due to being denied credit The transunion company report states that they VERIFIED IN XX/XX/XXXX my employment on three employers I HAVE BEEN ON XXXX SINCE MY car accident in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$59000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$26000.00}
Product: Credit card or prepaid card

I was approved for this credit card with the following terms : Free interest on all purchases for a year. Barclaycard did not honor these terms, so after I paid all charges I owed, I closed my account. Barclaycard then proceeded to charge interest charges and late fees. I contacted CFPB and they investigated and Barclaycard agreed to XXXX  my account. Currently, Barclaycard is reporting to all credit bureaus that this account is delinquent for {$310.00}. ( XXXX, XXXX, XXXX ). I have sent Barclaycard, XXXX, XXXX, and XXXX  copies of the following : The terms and conditions of the credit card, last statement of my credit card showing when I paid all my charges, and a copy of my bank statement reflecting this payment. Please help me to resolve this issue. The credit card number was XXXX. I closed this account on XX/XX/2016. 
I can be contacted at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX-XXXX. Best regards,
Product: Debt collection

XXXX XXXX I received a communication from WAKEFIELD & ASSOCIATES , LLC about an alleged debt at my location that I responded back to via certified mail green return receipt in which I also have a copy of the communication that I sent out on XXXX XXXX in response to your communication disputing this alleged debt. Theres no information in their communication that instructs said consumer how to dispute this alleged debt. Also Id like to inform you that your company is in violation for violating my rights to privacy which has caused me a great deal of mental anguish and XXXX. 

I also like to inform WAKEFIELD & ASSOCIATES , LLC that a copy of your communication is attached with some of the Federal Debt Collection Practices Act violations your company acted in while engaging in trying to collect this alleged debt from said consumer as well as the copy of the notice of dispute said consumer mailed dated XX/XX/
Product: Debt collection

Before I had credit I kept getting these random calls from Evergreen Professional Recoveries. They would say they were calling about an important business matter or a financial issue or something on the lines of being Vague enough to peek my interest. They would not specify anything unless I gave personal information! These things included full name, date of birth and an address. All things I consider sensitive information and I even felt they would ask to get my Social security number. If they really were calling me for this issue they would already have these on file. For the past year or so I thought they were total scammers trying to steal my personal information because they would not fully disclose the nature of the call and had the audacity to ask for such personal information. 
I have ignored their harassing phone calls which even disrupted my work at times! I work as a XXXX and it they had disrupted me trying to call the hospital when giving a short report of a XXXX! 

I have no debt and have not even had an X-Ray done for quite some time and that was filed under XXXX XXXX XXXX. So, I have no clue where this debt could have came from nor have gotten a WRITTEN NOTIFICATION even at my old place of residence which my mother still resides at and she received nothing over the time frame of this harassment starting. 

And now they are damaging my new credit score which is only 3 months old! They keep changing the information about when the debt was due as well it seems. I dont understand and its frustrating. I have disputed them with XXXX  once and it got deleted. Multiple accounts. This time it was just updated. I dont understand how that is legal to harass someone like this and mess with their lively hood. I even looked this business up on the XXXX XXXX XXXX and have seen reports of them being scammers, not taking off the reports of peoples credit when they have been paid, and just over all shady tactics. So I refuse to give any information or pay a dime to these people. And interesting enough when I called them every time itd go to their voicemail. So I have been unable to resolve it with this company and its an issue. Can you please help me clear this up? Its gone on long enough. Thank you for whoever is reading and have a good day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 sub section ( 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Money transfer, virtual currency, or money service

I have a Bank of America checking account and Merrill Lynch brokerage account from my employer. I requested to sell some of my stocks on my brokerage account, and the send a money to myself. The representative from Merrill Lynch told me that if I have a Bank of America account I can wire transfer from my Merrill Lynch to my Bank of America account with no fees from both sides. As a result he helped me initiate two wire transfers. One is my balance on my account, and the other one is the stock selling money. However Bank of America card me wire transfer fees for incoming wires, which is inconsistent with the representative from Merrill Lynch. I called Bank of America and was able to get the first wire transfer fee waived however the second word transfer was identified as international wire transfer and they refused to waive the fee. They told me in order to waive the fee or to re-identified as a domestic wire transfer I have to contact the Merrill Lynch. I contacted the Merrill Lynch and the Merrill Lynch representative told me I need to contact Bank of America because theres nothing wrong on their side. I was pushed back on the fourth for many times within one day. From Merrill Lynch and the Bank of America I received that very different information. They are essentially the same big company but they are pushing me to be a transmitter and I spent more than four hours on the same day to communicate with them. I believe I was not fairly treated.
Product: Credit reporting or other personal consumer reports

i contact all 3 credit companies they will not send me the information I'm requesting
Product: Vehicle loan or lease

I was told by the dealership that I had to put a down payment of {$10000.00} in order for the bank to fiance the XXXX. I call the people who fiance the contract and I was told by them that they dont require a down payment and that was the dealership doing. I was explaining to them the violation of TILA. 15 usc 1605 ( c ). I had to pay for insurance before I could get the vehicle. 15 U.S. Code 1635 - Right of rescission as to certain transactions.
Product: Credit reporting or other personal consumer reports

Never received 1099-c from company 15 USC 1681e ( b ) Charge offs is considered income. Income does not get reported to a consumer report this is considered an inaccurate account
Product: Debt collection

To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
On Account : NA in the amount of {$2300.00} This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

I disputed an account through transunion XXXX XXXX XXXX XXXX car loan, this account was opened up fruadulantl, I want this account removed from my credit report, this is fraudulent and inaccurate information reporting to my account, I have took the steps to file an identity theft report requesting this account be removed and blocked the information from transunion and XXXX both came back verified, I am requesting proof that these fraudulent accounts were investigated fairly and proporly, also please provide me with the system and details your company used to to determine if this transaction took place or not.
Product: Mortgage

I lost XXXX of my jobs and having a hard time making ends meet so I applied to OCWEN for a modification in XXXX 2015 complete package sent in. Since submitting the paperwork OCWEN has requested several documents and I 've sent them within days back to them. I 've submitted the same documents over and over again. Finally on XXXX XXXX my representative called and operator ID # XXXX told us that I needed to re-submit because my RMA application had expired and that we were supposed to get an answer within 90 days of submitting the original paperwork that she did n't know why we were at this date with NO end in sight. We asked the representative to point to us the expiration date on the RMA but she could n't since she could n't do that we asked her to transfer us to a supervisor and she refused stating that she would have to look for one and she did n't have time. I am begging for help since I do n't want to loose my house, I 'm a single man BUT I do take care of my XXXX elderly parents, I have been looking for a second job but I 've had no luck because I had my identity stolen several years back and my background checks are not good. Please help