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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Debt collection

On XX/XX/XXXX I received the following text message from Portfolio Recovery Associates , LLC Debt Collector ; " Acct XXXX. # MsgsVaries. XXXX & XXXX. Text STOP to stop texts to this #, Help for info. Visit XXXX ''. 
On XXXX I received another text from this company stating ; We want to discuss your debt with us. Visit XXXX or call XXXX. 
On XX/XX/XXXX I received another text from this company stating ; Use our payment calculator to customize repayment options. Visit XXXX  or call XXXX '' On XX/XX/XXXX I received another text from this company stating ; " Choose a payment plan. Visit XXXX or call XXXX I have not contacted this company believing it to be some scam or effort on their part to obtain funds from a fradulent source. I have not purchased any goods or services from a company that I have not paid for and have excellent credit. Please research this matter and respond to me. 

I previously telephoned your office and as instructed am filing this complaint with you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Under USC Sec 15 1681, 1682, 1683, 1684, and FCRA XXXX accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$83.00} XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following inquiries listed below removed from my credit report as they as fraudulent and I do not know who opened them. 
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax 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: Mortgage

My mortgage with NewRez includes an escrow account for my property taxes and homeowner 's insurance. In late XXXX, XXXX I discovered that NewRez mistakenly paid my local taxing authority twice for my XXXX property taxes - {$3700.00} on XXXX XXXX, XXXX and {$3700.00} again on XXXX XXXX, XXXX ( Note : my total XXXX property tax bill was {$370000.00} so NewRez double-paid my taxes from my escrow account ). This erroneous double payment created a negative balance in my escrow account. I contacted NewRez on XXXX XXXX, XXXX and was told that their " policy '' was to wait until my local taxing authority refunded the money to them so that it could be put back into my escrow account. On XXXX XXXX, XXXX I received a new Annual Escrow Account Disclosure Statement that detailed an escrow analysis that was based upon the incrrect negative escrow balance that was a result of NewRez 's error. The escrow analysis was dated XXXX XXXX, XXXX - several days after NewRez was aware that my escrow balance was incorrect- and indicated that My monthly mortgage payment was increasing significantly because of the incorrect negative balance in my escrow account. I called NewRez on XXXX XXXX and was again informed of their " policy '' of waiting and eventually spoke to a supervisor who told me there was nothing they could do, there was no estimated date as to when this would get corrected and that all they could do was escalate the issue to try to get it resolved as soon as possible. I called NewRez again on XXXX XXXX and spoke to three separate representatives who all reiterated the " policy '' and said that they was nothing they could do. One representative told me if I made the overinflated payments to the escrow accounts they would be refunded if/when my account had an excess in XXXX, XXXX, which is obviously unacceptable. The last supervisor I spoke to on this day suggested that I just make the incorrectly inflated monthly payments and once the shortfall is gone my payments should be adjusted back down, which, again, is obviously unacceptable. The supervisor also admitted that it can sometimes take months for local taxing authorities to refund money to them but there was nothing he could do because even though this was a problem created entirely by NewRez 's mistake, their policy is they can not adjust my escrow account balance, escrow analysis or monthly mortgage payment amount until the taxing authority returns the money that New Rez erroneously sent to them. He indicated that he will file an internal complaint to see if anything could be done but that may take up to 30 days to hear back. I told him that I would call back in 3 days and that I would also be filing a complaint with the CFPB ).
Product: Credit reporting

I am filing a complaint because Transuion has ignored my request to provide me with the documents their company has on file used to verify the accounts I disputed. My dispute has extended past the 30 day mark without Transunion verifying these accounts. Under section XXXX XXXX XXXX ) ( A ) of the FCRA - They are required to ... '' promptly delete all information which can not be verified. '' This matter is prohibiting me from obtaining credit. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. XXXX, Equifax has done nothing, please help me delete these illegal accounts from my credit reports.
Product: Checking or savings account

I am devastated. I am only a XXXX XXXX who gets by XXXX eats. I dont make a lot of money while still having to pay rent and other bills. Unfortunately one day I over drafted my account by 15 , which was broken up in 4 different transactions. These 4 transactions were made sending my balance negative. In result of this BOA charged me 140 $ In over draft fees, to me, a broke XXXX XXXX I called their support and they informed me they could only refund one of them which Im still out XXXX $ in fees. I have never even over drafted my account before and have been banking with them for over 10 years and this is how they treat me. When I tell you I cried for an hour over this, I really did. It may only be XXXX $ but that is a lot to me when I struggle every week just to pay my bills. I explained this scenario to them and they did not seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the credit bureau on several occasions that the reporting of XXXX is incorrect. I have obtained a letter from XXXX verifying that my account with them was current and that there are NOT suppose to be any lates reporting on my credit report. XXXX told me that all negative reporting should be removed and they would give me a letter verifying this information, which they did. I have forwarded the letter to the credit bureaus reflecting that my account needs to be reported as current with no lates on the report. However, due to the credit bureaus negligence, I have applied for credit and their false reporting has affected me in getting a loan. I was denied credit based upon their negligence in credit reporting and the credit bureau should be assessed a hefty fine due to their negligence.
Product: Mortgage

My home flooded on XXXX XXXX, XXXX in XXXX XXXX, LA. My insurance company promptly issued a payment for the damages to my home. The payment was issued to XXXX XXXX XXXXl / XXXX XXXX and myself. They first tried to tell me I MUST hire a contractor to do all the work and tried to tell me it was required in my mortgage agreement. I read my mortgage agreement and it is NOT Required for me to hire a contractor. After calling them on that lie, they released the first 1/3 of the money for the repairs. When I requested the first payment they tried to tell me they only had to release money for the repairs that have been completed. WHO are they to hold my insurance funds. They are making me beg and jump through all kinds of hoops to receive the insurance money they are drawing interest from while they hold. I have allowed them to inspect the house to see the repairs are being done, and this still is not good enough for them. I can only do the repairs until my credit cards are maxed out and then I have to BEG them to release the money so I can pay the credit cards so I can start charging again to get the repairs done. This is costing me more because I have to pay the interest on those credit cards. This company is ripping me off and I need someone to stop them and force them to release the money my insurance paid so I can get all the repairs completed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which must be rectified without delay. I have been XXXX XXXX XXXX  and only recently returned to the United States, where I discovered these unauthorized entries on my credit report. 

Below are the details of the fraudulent 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 It is evident from my credit history that I have maintained a responsible financial record, with all closed accounts being paid on time and no instances of delinquency or misconduct. Given this context, the presence of these fraudulent accounts is not only unwarranted but also severely damaging to my creditworthiness. 

As per consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy and integrity of the information reported on my credit file. The inclusion of fraudulent accounts violates my rights under this legislation, and I demand their immediate removal. 

I hereby request that you initiate an investigation into these fraudulent accounts and take prompt action to remove them from my credit report within 14 business days. Failure to comply with this request will leave me with no alternative but to pursue pre-arbitration proceedings. Please be advised that I will seek reimbursement for any expenses incurred as a result of your non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the inaccuracies on my credit report. Should you require any further information or documentation from my end, please do not hesitate to contact me at the earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have filed a police report advising of identity theft and violation of the my right to privacy per the Privacy Act of 1974.
Product: Credit card

I returned to the XXXX several years ago after being out XXXX working for several years and finally checked my credit report and found I had a Charge-Off from Synchrony/JCPenney from a credit card that had been opened while I was out of the country working I tried calling Synchrony many, many times trying to get information and report it as a fraudulent account and was told by their customer service employees that they had no information to give me and that the account was originally serviced by GE Money and they never received anything from them whey they took over the account? They told me that I had to contact the Collection agency XXXX XXXX and that if there was any paperwork to " Validate the Debt '' they would have it. 

I started sending Debt Validation letters to both Synchrony and XXXX XXXX in XXXX of this year ( 2015 XXXX and neither company responded as required by U.S Federal law? Finally when I hired an attorney to sue XXXX for failure to validate the debt and for illegally reporting false information to the credit reporting agencies they immediately contacted me and notified me that they indeed did not have the information to Validate the Debt and that I was no longer responsible for the debt and they would contact all XXXX credit reporting agencies and remove the false information. 

Synchrony on the other hand is the worst company I have ever had to deal with in my entire life they are continuing to report the debt even though they can not even validate it and they have yet to respond to even XXXX XXXX XXXX XXXX of my debt validation letters and they do not care that they have no records to back up their claims and yet they continue to illegally report false and negative information they will not even give me any information how to contact their legal department to serve them for lawsuit its pretty bad that this country lets crooked companies like Synchrony operate and it is really sad that you have to resort to hiring an attorney. 

I want them to comply with U.S Federal Law and provide me with the information they are required to by law ( Validate the Debt ) immediately and or remove the false account from my credit reports. This has gone on far to long and I am paying much higher interest rates on all my credit accounts because of their illegal reporting.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and disappointment regarding the repeated unsuccessful attempts to remove fraudulent items. This ongoing issue has caused me significant distress and financial hardship, and it is imperative that we address it promptly.

I want to emphasize that I have diligently followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to impact my credit score.

The ongoing presence of these fraudulent items has not only caused me financial hardship but has also severely eroded my trust in Credit Bureaus. As a loyal customer, I expected a higher level of service and security, both of which have been lacking in this situation.

I kindly request that you take immediate, decisive action to investigate and rectify this matter. I expect a prompt response outlining the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I strongly urge you to review and enhance your security measures to prevent similar incidents from occurring in the future.

Failure to address my concerns satisfactorily and promptly may leave me with no choice but to escalate this matter further, including seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please help me removed the following items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX-Inquiry I can not have this information in my report, it is negative information, I do not want it under my name anymore.
Product: Money transfer, virtual currency, or money service

Re : Errors on my checking account Dear M & T Bank, I am writing to request a correction for a dispute placed on XX/XX/2022 in regards to a charge placed on XX/XX/2022 and processed on XX/XX/2022 for {$140.00}. 

Dispute 1 Account Number : Dates associated with Item being disputed : A charge for a {$140.00} on XX/XX/2022 ; dispute placed on XX/XX/2022. 

Explanation : I disputed a charge with M & T bank on XX/XX/2022 that was placed on XX/XX/2022 via XXXX XXXX split transfer. Meaning a portion was paid via XXXX XXXX and the remaining balance was obtained via my M & T bank card. The reason being is because I purchased three hoodies in support of XXXX  XXXX in support of the XXXX XXXX XXXXXXXX XXXXXXXX XXXX in XXXX Ny in which occurred on XX/XX/2022 ; in which I have not received the merchandise, a refund of my money, or any communication from the merchant. I purchased the hoodies from the merchant XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Ny. The merchant XXXX XXXX XXXX XXXX informed me that I would receive the hoodies within a week of the date off purchase, however it has been 2 months and 7 days and I have not received the merchandise or a refund. I have attempted to contact the merchant on 20 separate occasions via his business platform via social media, his cell phone. The merchant has failed to respond to me via text message, or via social media. In addition to changing his business page names, removing himself from specific social media platforms such as XXXX ; along with disconnecting his cell phone. Due to multiple failed attempts, I have contacted the police and sought out a charge dispute from M & T bank due to being scammed due to financial infidelity. 

I have attached a copy of supporting evidence that supports I never received any merchandise from the merchant or a refund of the payment in which I also requested 20 times within a two month and 6 day period of payment sent. In addition I have also filed a police report as per XXXX ; a customer service representative I spoke with from M & T account services on Friday XX/XX/2022 at XXXX XXXX. I additionally have reported the merchant to crime stoppers and filed a formal complaint to the Federal Trade Commission for Fraudulent activity. 

Thank you for your assistance. 
Sincerely,
Product: Student loan

I have contacted FedLoan Services several times over the last 2 years regarding employment verification with no response of how many qualifying payments I have. With Payments restarting in XXXX and the announcement that loans will be transferred to other companies, and I have received no correspondence on any sort of update in this. I sit on hold for hours with not even being able to be connected to someone.
Product: Credit card

I requested a refund for a charge of {$99.00} on PayPal. PayPal, the merchant, sent a refund back to a credit card that I had with XXXX that was no longer valid and I was unable to get the refund back. PayPal constantly refers me to contact XXXX but XXXX claims that the funds were already returned to PayPal due to my account being closed and could not help me. I requested an alternate form of payment from PayPal for the refund but was denied and told that XXXX has the funds and I needed to follow up with them. I started a CFPB case against XXXX and XXXX responded that funds were returned to merchant on XX/XX/year>. Even with this information PayPal insists that the funds were sent back to XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX XXXX, Account # XXXX Account name : XXXX, Account # XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account # XXXX
Product: Debt collection

Debt collection agency 12 genesis fs Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.
Product: Debt collection

On XX/XX/2020 i submitted a complaint via CFPB website for failure to validate a debt to National Credit Adjusters and got a quick response via CFPB portal on XX/XX/2020 with a letter following a bill statement .This wasn't what i requested and clearly shows that National Credit Adjusters is committing a FDCPA violation which is failing to validate a debt and continues to report a disputed debt to credit bureaus another FCRA violation.
Product: Checking or savings account

XXXX has already deducted {$12.00} fees from my checking account due to low balance for 4 months ( XXXX XXXXXXXX XXXX ) without sending me any notification until I recently logged into my account for other financial matters. While we are getting used to the fact that charging fees on low-balance accounts becomes a rule of game for financial industries, this is against the rights of consumers especially if low balance does not bother their normal transactions or lead to substantial consequences, like overdraft. Furthermore, we have the right to receive advanced notifications or alerts to action early and avoid the fee charges. It seems that banks are just waiting there for a chance that a consumer finally falls into their set-up trap so that they could enjoy charging fees recklessly! I hope the regulators would cancel such unreasonable penalty imposed from the bank side on consumers.
Product: Debt collection

XXXX debt collector called and reported I owed a debt they are collecting. From check n go in 2018. They verified my name and then the last 4 digits of my SSN. I expressed my disbelief in this debt, as I have never used this type of service and was hung up on. I called the number back, another individual answered verified my name, again the last 4 digits of my SSN, and I then asked for my address to receive dispute forms, which was then read to me. I expressed my disbelief and was then again hung up on. The debt, they claimed, stemmed from 2018. I have never used check n go services. Frankly I am in high disbelief that i would have been able to qualify for their services in 2018. XXXX debt collector called from XXXX. I will wait to see if this company can provide proof of this debt. I contacted Check n go, Allied Services debt collector for Check n go, they state they have no record of my SSN. As of now this appears as though a phishing scam or bad collecting practices if this is a real licensed debt collector.