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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$72000.00} ; XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX MI XXXX.
Product: Credit card or prepaid card

i this XXXX XXXX XXXXSynchrony Bank, and i have been add a higth interes every mont plus a CARD SECURITY XXXX wich i recuest too cancel for aboutj 7 monts a ready and never was cancel..because this has misleading information and you never get this aprove. for the XX/XX/2019 i have a INTEREST CHARGE ON PURCHASES XXXX, this is every mont plus the XXXX wich make the account higth on top even with not balance left..so the account is XXXX because all this fees a account security card services is hgth avero mont to is liek making this chrages on top of a empty account create by this same charges ... can beleve this. i have been charge more tham XXXX dollars on fee, interes, on topo every mont..create by this same fees and inter over balance use..this is not rigth. 

Look so you guys have a idea : {$2100.00} XXXX, Current Balance. 

$ XXXX, Available to Spend {$1700.00} Limit.

{$6800.00} Minimum Payment Due. 

fees : Statement Month XX/XX/2019 Statement XX/XX/2019 CARD SECURITY XXXX XXXX XXXX XXXX XXXX XX/XX/2019 INTEREST CHARGE ON PURCHASES XXXX XX/XX/2019 AUTOMATIC PAYMENT - THANK YOU XXXX
Product: Student loan

Navient continues to report a parent plus loan on my credit report, sends me repeated emails, which I 've asked them to stop and asked the credit bureaus to correct. They have acknowledged my bankruptcy filing on XXXX/XXXX/2013 and discharge order dated XXXX XXXX, 2013. Because they are continuing to report a balance and have ignored the courts discharge order, I still have a very low credit score and can not obtain new credit over three years after the discharge. The loan is was never categorized as a student loan nor is this particular loan subject to bankruptcy protection.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I received documents from Calvary Portfolio in response to a complaint I filed with the CFPB recently, stating that this company did not provided me with evidence that the account they allege, is actually my responsibility. 

In response to this complaint, Calvary Portfolio sent me one document with the name XXXX XXXX XXXX, XXXX Az, as well as a single statement without any name on it, and documents which shows they purchased this account from the original lender, as a secondary collection agency. I have a son, also XXXX XXXX XXXX, who lived at the same address in XXXX Az. An original contract is necessary to distinguish between which XXXX XXXX XXXX this account might belong to, if it belongs to either of us at all. 

The documents they sent to me in response to the CFPB investigation do not meet the requirements for proving the debt is mine. If they are alleging a breach of contract from where they will seek a judgment, Arizona law requires that a signed contract between the original lender and the borrower be presented in a breach of contract dispute. 

Calvary Portfolio did not send me the original contract and I must assume that as a secondary collection agency, they do not have the original contract signed by me and the original lender. 

In Arizona, in order to prove that a breach of written contract has taken place, the actual contract with the debtors signature must be on the contract. If there is no contract, there is no valid claim for breach of contract. 

Apparently the original cardholder agreement for this alleged debt, states that " Arizona law shall control, '' and, since the contract alleged by Calvary Portfolio does not exist, and this contract was not signed by either party, whatever agreement might have existed, must be an oral contract. Since the statute of limitations for oral contracts in Arizona is three years and since Calvary Portfolio 's claim is nearly four years after the date of the last transaction, their case is time barred.

Calvary Portfolio has already violated my rights under the CFPB rules by not notifying me before collection efforts began, and now they are continuing to violate my rights by seeking to prosecute a case against me without the original contract required by Arizona law. I am in consultation with an attorney regarding the filing of a lawsuit against Calvary Portfolio in this matter.

I am requesting that Calvary Portfolio cease and desist from all collection efforts in this alleged debt that they have brought against me. I want Calvary Portfolio to remove this alleged debt from all of my credit reports. I want Calvary Portfolio to end any collection efforts, including any future lawsuit that may be filed at an court in Arizona.

When I receive a letter of confirmation that these matters have been closed and the case listed above is dismissed, I will cease with my lawsuit and we will consider this matter closed. 

I expect an answer to this letter no later than XX/XX/2020, so I may proceed accordingly.
Product: Checking or savings account

I made a mobile deposit of {$3500.00} to my CITI checking account last night and received an email confirmation that the deposit was received. The check I deposited was drawn on my HELOC account through Shellpoint, which uses CITI for its banking. 

This morning, I logged into my CITI account online. This login usually allows me to see both my credit card with CITI and my checking account. However, this morning, there was zero information about my checking account, as if it never existed. When I phoned Customer Service, I was asked by the phone verification system to enter the last XXXX digits of my debit card for the checking account and it confirmed that the digits were correct. Then it transferred me to the credit card division!!. I had to demand that they put me in touch with someone from the banking side of the business, which they did. 

After another lengthy verification process, the agent told me that the account had been blocked because the deposit triggered a fraud investigation. I was then transferred to that dept where the person told me that the account was inaccessible for up to XXXX hours, while they investigated. The problem is, there were funds in the account prior to the deposit, for which I have no access. Basically, I have to sit and wait. 

There was no warning of this sent from CITI. No emails, no phone call, no text message. My account simply disappeared and now I am at the mercy of their fraud team ( who I can not speak to directly ) to mitigate the issue. 

I was told to call back periodically and ask about the status of the account.
Product: Debt collection

Consumer Adjustment Co, placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Consumer Adjustment Co. According to 15 USC 1692J-Consumer Adjustment Co is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
Product: Debt collection

I advised someone who contacted me from Portfolio Recovery Associates LLC on XXXX XXXX at XXXX not to contact me between the inconvenient hours of XXXX XXXX. I received another phone call from them on XX/XX/XXXX at XXXX which was a clear violation of what I had previously advised the day before. 

I have received repeated phone calls in the past from the same company & had advised them many times of inconvenient hours & their harassment, I had just failed to document all the prior instances to file this report until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX on XX/XX/2021 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX / 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

PNC mobile banking reports late and Inaccurate. About the state of funds in accounts when using mobile banking. Yesterday I had XXXX XXXX  in my account or so mobile banking said so I went and bought a XXXX XXXX  bag of fries that I could make for dinner. Today I woke up to an overdraft of {$11.00} because PNC had not properly updated their app. When I tried to access the app to see what went wrong it was down for repairs again. PNC regularly has their app down for repairs and causes an inability to access important financial data. Ive raised this with PNC multiple times to no avail. Between the low balance alert emails that I received on the XXXX and the XXXX I only made one purchase for no more that {$4.00} we should left you with just less than three dollars in my account. Instead I woke up on the XXXX with an overdraft alert.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has resulted in fraudulent inquiries appearing on my credit report. I request that the following inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) .Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I have sent convergent outsourcing multiple letters to fix errors on my credit report and to request information on an account they are reporting on my credit. On XX/XX/2022 I sent a letter asking them to validate the debt. I then followed to send another letter on XX/XX/2022 asking them to provide the day of first delinquency with the original creditor which I did not see anywhere in the response to this letter. I most recently sent a letter on XX/XX/2022 asking for additional documents but they said they didn't have to provide any more details regarding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed accounts that did not belong to me.
Product: Debt collection

Back in the Begging of XXXX I disputed this collection account that was on my Credit report from CKS Prime Investments LLC I had never heard of this company, nor had I received anything in the mail from them. On XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX, I got the same repeated text message from them trying to collect the debt which they had yet to verify with me. On XX/XX/XXXX I actually reached out per the number on my credit report the phone number on XXXX is XXXX on my XXXX the number is completely different and then also this number that's texting me is different its XXXX XXXX XXXX. This was very confusing and to top it all off there are three different entities trying to collect. You have CKS XXXX reaching out CKS Prime Investments LLC Reaching out and also Velocity Investments LLC. This has really been frustrating because my credit report says CKS Prime Investments but these other companies are reaching out about the same debt. When I called on the 8th I requested a debt validation letter and also the original Contract with my signature from the original creditor and I have yet to receive anything. I have reached out multiple times requesting this information and haven't received it yet. on XX/XX/XXXX I even texted the number that text me requesting it and in the text it says They reply to them. I will attach. By law they were suppose to give me this information by 5 days in which I have 30 days to respond to it. This has not happen. On XX/XX/XXXX I called at XXXX am, they were closed but I left a voicemail asking for the same information and never heard back. I also called today XX/XX/XXXX and left a voicemail requesting that Information again. 
I want this account removed and deleted and not put back on my report or resold. That is illegal, According to 15 U.S.C. Sec1681i ( a ) if proof cant be provided it must be deleted Secondly The reporting on this account is also not accurate and up to date across the board with all three credit reporting Bureaus which I have disputed with them and it still has not been fixed. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights 15 U.S.C 1681 602 A States I have a right to privacy 15 U.S.C 1681 602 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both Transunion and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX   balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( 0 balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from Transunion. This has ruined my good credit and none of it was my fault!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. 

I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. 

Thank you for your prompt attention to this matter. 

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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

On XX/XX/XXXX, I received a phone call from Online Information Services informing me that I had a debt in collection. I promptly informed them that I had never lived at the address they mentioned and questioned how I could have a debt in utilities for a place I have never resided in.
Product: Checking or savings account

Applied for a new account on XX/XX/18. I received an e-mail stating that the bank would not be able to open the account and was advised to call in. I called and was given an OFAC disclosure and told to wait 2-3 business days so that the bank could review to determine whether it was a false positive. 

I received an e-mail this morning ( XX/XX/18 ) again stating that my request for a new account could not be fulfilled and similarly advised to call in. I called and again was given the OFAC disclosure. When I told the representative that I had previously called and had already waited the 2-3 business days, he confirmed with his floor supervisor that the account couldn't be opened. I requested to speak to a supervisor and did so. I informed the supervisor that I am not on the OFAC list, but was informed that there was nothing that she could do since the application was tagged as a possible OFAC. I asked what the escalation process was and she informed me that there was none since I don't yet have an open account. 

The CFPB may be interested in researching the inability of this firm to escalate complaints and/or issues associated with the account opening process, particularly for denied applicants. 

Application ID : XXXX