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

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/2023 Subject : Request for Assistance in Addressing Time-Barred Debt Reporting Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to request your assistance in addressing a matter related to the reporting of a time-barred debt on my credit report. After carefully reviewing my credit report, I have identified a debt that has exceeded the statute of limitations for collection in my state. 

Below are the specific details of the debt in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX The debt in question is no longer legally collectible under the statute of limitations in my state, which is [ Your State 's Statute of Limitations ]. I have attached supporting documentation, including evidence of the date of first delinquency, to validate this claim. 

I kindly request your assistance in investigating and addressing this matter. Specifically, I am seeking your guidance and intervention to have this time-barred debt removed from my credit report in accordance with applicable laws and regulations.

I understand that the Consumer Financial Protection Bureau plays a vital role in protecting consumers like me from unfair or inaccurate reporting by creditors and credit reporting agencies. I believe that this situation qualifies as such, as it involves a debt that is no longer legally collectible but is negatively affecting my creditworthiness.

I appreciate your attention to this matter and kindly request that you take appropriate action to ensure the removal of the time-barred debt from my credit report. Your prompt assistance in resolving this issue will be greatly appreciated.

If you require any additional information or documentation to assist with this request, please do not hesitate to contact me at the phone number or email address provided above.

Thank you for your dedication to consumer protection, and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Bank account or service

My mother, XXXX XXXX XXXX, had accounts at Bank of America for many years. I was her Power of Attorney and handled all of her financial stuff because she had XXXX. My mom died in XX/XX/XXXX. Bank of America was aware of her death because they were advised of it by Social Security and I provided them with a copy of her death certificate. I wrapped up her final expenses in XX/XX/XXXX and XX/XX/XXXX, and by the end of XX/XX/XXXX the account was closed out with a XXXX balance. In both XX/XX/XXXX and XX/XX/XXXX, Bank of America charged my dead mother 's account {$24.00} each month for service charges. This is outrageous inasmuch as they know my mother is dead. Please make them stop this. Thank you.
Product: Credit reporting or other personal consumer reports

I am resending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5300.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I paid off my credit card debt with Discover. Discover then sold my account from what I was told to another bank. I began getting gets calls saying I owe over {$900.00}. My spending limit was only {$500.00}. Its impossible for it to be that much. Plus, I did pay it off. My information was sold to another bank without my knowledge and contained in accurate information and in insane amount of money I actually dont owe. Im still harassed to this day from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX bank account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX/XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX  XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX  account # XXXX, XXXX XXXX  accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX  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 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? XXXX XXXX XXXX XXXX, XXXX COLLECTION SERV XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Debt collection

Case number : XXXX Case Number : XXXX in reference to previous complaint listed above Penn Credit today just sent another demand for payment after no communication of 3 months upon receiving notice and verification that this debt was paid by XXXX services for both XXXX XXXX and National Grid and I am now repaying social services. I had uploaded all relevant documents on your website, Including asking for debt verification from Penn Credit via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Experian have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. 
1. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, delete it. 

5. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, please delete it.
Product: Debt collection

XXXX XXXX CREDIT CARD SERVICES ACCOUNT XXXX ACCOUNT CLOSED XXXX CHARGED OFF. 
PLEASE PROVIDE A VALIDATION LETTER TO SHOW I SIGNED FOR THIS ACCOUNT. PLEASE FURTHER SHOW THE SECURITY DEPOSIT IF ANY WAS PLACED BY MYSELF. 
I have recently been informed by looking at my credit report that this information shows charged off. Then it shows further payment in the amount of XXXX is due. I am unaware of any amount owing on this secured credit card. Upon looking up this company they are virtual and online. Proof of my signature authorizing this account to be open is required in this validation request. Please validate my signature and or the open secured account. Please further have this company show their XXXX as charged-off with bad debt. In absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 15 days to as per the CFPB as per the FCRA section 623 ( a ) ( 3 ) and I am keeping a careful record of your actions. This is also a violation of the FTC which is failure to show proof of my identification IE signature it is Defamation, Negligent Enablement of Identity Fraud and Violation of the FCRA. This is my last and final attempt this will be added to a court order to ensure my rights are being properly enforced.
Product: Credit reporting or other personal consumer reports

I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

RXXXX 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

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 XXXXXXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number:XXXX  and list of Inquiries 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 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 XXXX 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: Payday loan, title loan, or personal loan

I got a loan for my XXXX procedure. I got the loan in XX/XX/XXXX. They never sent me any paperwork with loan id # or any statements. In XX/XX/XXXX I contacted them concerning the loan. This is when I found out they would not talk to me about the loan nor take payment because I did not have the loan number. I explained that the loan number was never given to me and I am not getting any statements. I asked for a Statement to be emailed to me. They informed me that they will NOT email a copy of a statement. I tried to pay them over the phone, again they said NO they will not accept money over the phone when I do not have the loan number. I will say that last month, when I called, the rules once again were different and they allowed me to make a payment over the phone, which I have proof of via my bank however, I was never sent a receipt for this transaction from Comenity Capitol Bank ( hoping it would contain my loan number! ) Then I find out that the credit given for the loan was XXXX, which was what I knew they were paying the XXXX, it was actually XXXX they paid and now are charging over limit fees as well as late fees. This was not the money requested from them! I'm absolutely stuck and can not get any information about this loan they have given me. They are without a doubt a predatory lending practice. When reading XXXX  complaints this is a repeated issue. How this company is being allowed to do this is beyond me.
Product: Mortgage

Dear Sir/Madam : My husband and I were contacted by PennyMac Mortgage inquiring whether we wanted to re-finance our existing mortgage with them on property we own in XXXX, XXXX We declined, but agreed to apply for a mortgage on property we own in XXXX, XXXX. This property includes a newly constructed home. We began the application process with loan originator XXXX XXXX, and completed the necessary paperwork with a loan processor who requested identical income and tax information multiple times, and requested my online password in order to access my account. When I declined to provide my password and asked to speak with a supervisor, she said she would return my call. I subsequently learned that she had left PennyMac 's employ. After several more phone calls and many weeks, we received notice that we had been rejected for the loan because of inadequate income, however, the loan processor had miscalculated our income by nearly {$2000.00} per month. We requested and received a refund for the property appraisal fee of {$320.00} which we had paid to PennyMac with our application. XX/XX/XXXX, we were contacted by XXXX XXXX ' supervisor, XXXX XXXX, who reviewed our original application and assured us that the loan processor had made a mistake and we did, in fact, qualify for the new loan, which represented only 40 % of our property 's appraised value. We provided the appraisal, done only weeks earlier with our construction loan, however, we were told that PennyMac required their own appraiser and that we should restart the loan process with another {$320.00} appraisal fee. XX/XX/XXXX, we paid the fee again and re-submitted paperwork to XXXX XXXX. We were told that he would be working with the underwriting department directly and that the loan should close within 30 days. Instead, we kept getting more requests for additional financial information previously provided. 
On XX/XX/XXXX, after more stalling and no response to our emails or calls, I learned that PennyMac had, without authorization, run my credit again, resulting in a significant drop. This inquiry was NOT authorized, and in fact, I told XXXX XXXX when we spoke by phone that if it was necessary to run our credit again to resubmit the loan application, I would not be proceeding He assured both us that the credit information PennyMac received in XXXX would be sufficient After learning that my credit was damaged and the loan was still in limbo, I called XXXX XXXX asked that the loan be cancelled and all monies refunded He sent an email saying the {$320.00} would be refunded. I have yet to see it and I have followed up with emails to XXXX XXXX, XXXX XXXX, without response since XX/XX/XXXX. It appears that both may now have left PennyMac. 
Please let me know if you are able to assist
Product: Mortgage

I began the mortgage refinance application on Mon, XX/XX/2019. I have provided a mountain of documents and we still have not closed. Wells Fargo mortgage staff has been very courteous and have apologized over and over. I was initially told I would close by XX/XX/2019. 
The loan officer told me this has been sent to upper management due to the length of time. That was more than a week ago. It has supposedly been in underwriting for over a week but they still can't tell me a closing date. They keep digging up random old things on my credit report and making me prove a negative ( that I don't have whatever it is ). For example, they asked me to prove I didn't have a foreclosure -- -on the house I currently live in. I provided years of mortgage information and countless statements. I don't have any late payments and have a XXXX  FICA score. They wanted me to prove I didn't have a foreclosure. I have to give my existing mortgage company ( XXXX ) permission to speak to them so they could tell them I don't have anything like that in my file. This is insanely frustrating and by their own admission is terrible. 

I don't want to risk retaliation ( a " no '' from underwriting '' ) but I have to say something because this is absurd. XXXX has been particularly helpful and very empathetic. I do not think this is her fault or XXXX ( the other loan officer ). They are good people but this system has major flaws.
Product: Credit reporting or other personal consumer reports

I noticed XXXX XXXX and Experian furnishing illegal information on my consumer report. There are late payments reflected on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, these furnishings are illegal and bearing on my credit worthiness.
Product: Checking or savings account

I bank with US Bank. When using our debit cards, the transactions pend sometimes up to a week and a half. We always go by the available balance as instructed by the bank, but due to the error in processing the transactions in a timely manner, it inaccurately reflects in the available balance causing us to continually transfer funds to cover the checking so we do not overdraft.
Product: Credit reporting

Have disputed MULTIPLE times. Submitted court documentation of lawsuit dismissal. Still is n't being removed from equifax. XXXX removed it without issue. Was told by equifax on phone debt was verified. I asked to see a copy of the paperwork with my signature confirming debt. They told me they did n't get that. I asked how they confirmed the debt, without it since the courts dismissed it due to failure to provide proof of debt. The woman on the phone responded " it is going to be removed at the end of the year anyway, what does it matter ''. 
I have been denied credit due to this, and have a high APR on a loan due to this being on my report.
Product: Debt collection

" Take control of your XXXX XXXX XXXX  account. Visit XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out '' I received this text message this morning. I do not have an account with this business. Called to verify at XXXX XXXX XXXX XXXX  billing dept. 
I am not in their system! 
This is a scam/fraud. 
GO XXXX XXXX!
Product: Credit reporting or other personal consumer reports

-The claim that they dont have enough information gor my disputes. 

I have soent a recorded XXXX hours just on the phone with these XXXX, and have wasted so much time gettting them documents andbthe information they request that I havent been able yo work in 13 months. 
But they dont have enough of what theyve asked for. 
I have literally been in the process kf sending them what theyve asked for the next day after heing on the phone for XXXX hours in a day just teying ti find out WHAT they XXXX want.bthen while sendingbit, have gotten the declined message while they are supposedly waiting for something. 
Ive also sent hundreds of documents through their portal to then be told they dont see any of them. To THEN be told that yes they did have them months later after I was blamed for losing my own dispute. 
Ive had enough of your XXXX lying. Youre either going to do yiur XXXX XXXXXXXX or youvare going to have teouble where it hurts any human. Ill be moving to a place very close to yiyr office so i can make sure of it. 

XXXX you and this XXXX response that took you 3 months to send : XXXX at its normal self right here. 
" This may take up to 30 days for us to even send a response. That's because we are doing literally nothing at all, and told you these exact same words 2 months ago when we said that our response to the entire thing IS that we are still working on the nothing that we're doing. '' This is 100 % full of lies and receipt like your every day business is. You've given me resultsbofbyou 1 day long investigations that end with " we put a day towards this before, we're not putting more than a day towards ajythjng. '' You also strangely don't address the fact that you denied your own employees dispute cases. All you've done here is pasteba long piece of text about the nothing you've done as it relates to your XXXX job and that is all. XXXX you, you ruin lives qnd enjoy doing so you XXXX piece of XXXX foreigners. Im coming to XXXX for my revenge in person. 

You also took 3 months to send this nothing of a response. 
I have {$1.00} mm in legal assidtance from you and another XXXX mil from discover to use in order to recover my identity after XXXX data breaches in the last tear alone.. I plan on using all of it to sue you knowing that yoy take 3 months to senf a boilerplate pasted message. XXXX you
Product: Debt collection

NCB Management services has been constantly harassing me by phone, calling my cell phone while Im at work. Calling my company I work for now at least 40 times per hour and including to calling my family over and over. I do not owe them anything. They are attempting to collect on a debt that wasnt mine. When I had identity theft I reported XXXX as fraud, that was removed from my credit report, the bank then attempted to sell the fraud, now this company is harassing me. I do not owe this company any money. I had identity theft and the company received an FTC Affidavit.  Also they are impeding my work and calling my supervisor consistently this is not only harassment but abuse.
Product: Checking or savings account

I signed up for lesson in law firm twice and each time they took XXXX money and my credit didnt get better and they took it on a date that I did not sit up with them on the second time, but the first time they took it and my credit didnt get better and when I called, they said that they couldnt get back the money cause I was already locked in with them so I just let it go until I heard about this class action lawsuit. It could possibly get your money back I hope to hear from you guys soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX