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

I contacted transunion about serval inquiries that are fraudulent I explained to them the law under the 15 USC 1681b Permissible Purpose Of Consumer Report and also sent a dispute letter in alone with a police report and clear picture of my ID and was told by the company yes we understand you know the law sir then hung up in my face
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credit Collection Service Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number:XXXX  Your NAME : XXXX XXXX Your addressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Collection Services I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Mortgage

I am trying to clear the " cloud '' on my title to a lot purchased by us in a foreclosure XXXX years ago which now shows a lien ( equity line of credit ) perhaps owed to Beneficial Finance and dating from a stated fraudulent document created in 1997 to a former man ( who also states under affidavit that he never owned lot nor signed line of credit documents ). The title company handling the escrow, my attorney, and myself can get no response of either Beneficial Finance Co. Payoff Dept., or Household Finance Co ( their successor? ) and have requested a Reconveyance XXXX times since XX/XX/XXXX. We have no other information regarding the proported lien. We suspect it was some sort of scheme to keep Beneficial Finance from having to pay the Homeowners ' Dues. But I never received any notification of anything at all from Beneficial Finance -- and it 's been XXXX years. To date they have ignored all requests for Reconveyance so that the property can complete its sale with a clear title.
Product: Checking or savings account

I received an email from a company purporting to be XXXX. Since I have an account with XXXX, I opened it. It turned out to be a scam from some source claiming to want to return my yearly fees. When I gave them my name, name of my bank, and last 4 digits of my checking account, they began to ask for their money and threading to acquire my investment accounts. This when I realized this was a scam and hung up. I then called my Bank, XXXX, and XXXX. No damage was done, and XXXX put a one year freeze on my account. The bank had mr change my user name and password. XXXX asked me to contact you and notify you. Thank you.I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergant account LVNV Funding LLC. Original creditor XXXXXXXX XXXX XXXX. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy. 

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.
Product: Debt collection

I have a past XXXX bill that was OPENED in XXXX ... NOT XXXX the creditors are stating it was opened in XXXX of XXXX WHICH IT WAS NOT.. I been disputing to get them to update my credit report am XXXX XXXX I have XXXX XXXX XXXX in both ears I can not hear on the telephone or I would call the creditors and speak to them but unfortunately I cant cus I cant hear on phone..I am on limited income SSDI am due to the Corona Virus I am supporting family members cus they were layed off till they can get a job I only get XXXX a month I cant make the payments am trying my best to get my credit back in order I just recently payed off one credit card and am trying to contact XXXX to see if I can make payment arraignments but there not responding now that I payed off the last credit card I cant afford to pay no more then XXXX dollars a month I am aware I owe but I thought I would try my best on tying to dispute this And have it removed from my credit report because they listed the wrong info about when the XXXX account was opened I have documents to prove it it was open in XXXX its an old debt That I was unable to pay due to lay-off at the time and I know now how important it is to pay you bills on time an am learning through my past mistakes am am dealing with the conquences now On trying to better my credit and Now I know how important it is to have good credit I know now you cant get no where in life with out having that..The creditors have added comments On my credit report that it will be signed over to an attorney they marked it Dergotory am trying here ok can you please look it over on trying to delete this from my credit report due to wrong dates to when the account was opened.. 

Thank You XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I was alerted by an apartment leasing office agent that a recent credit report of mine, showed that I had a debt of approximately {$260.00} owed to XXXX XXXX. Under this account, services ( by XXXX XXXX ) were provided from XX/XX/XXXX to XX/XX/XXXX at the address : XXXX XXXX XXXX. Apartment B, XXXX, TX XXXX. 

I have never subscribed to services provided by XXXX XXXX, nor am I familiar with the address related to this account. During the time of service ( XX/XX/XXXX through XX/XX/XXXX ), I was living in XXXX XXXX, XXXX  and XXXX XXXX, XXXX The balance due has been in collections since XX/XX/XXXX, though I found out about it yesterday. 

Eventually, XXXX XXXX sold the debt to Transworld Systems INC ( TSI ). The TSI account number related to this debt is XXXX. 

I am concerned that my identity has been stolen in order to open the account with XXXX XXXX. I am also concerned that the debt has negatively impacted my credit score. Please help me resolve this. Thank you.
Product: Credit card or prepaid card

I cancelled my credit card 5 months ago because they charged me and annual fee. There was a balance of approximately XXXX XXXX when I got my next statement after closing the account not for the interest but each month they have been charging a XXXX maintenance fee! Im about to make my last payment to them they have XXXX  me out of {$60.00} for closing that account all of my crudits cards are paid off and none others have ever charged annual or maintenance fees! The c/c company is Fortiva there phone number is XXXX XXXX XXXX and correspondence address XXXX  XXXX XXXX XXXX GA XXXX
Product: Credit card or prepaid card

XX/XX/2021. It came to my attention that my account was late. I called usbank cc company immediately and learned that my monthly payment had increased. It had increased by {$1.00} more than I had set up my automatic payment from my checking account to draft. For this, usbank charged {$28.00} and added it to my account balance, further increasing my monthly payment. Several months went by, each time the balance increasing because they kept adding on {$40.00} late fees. By the time I found out this was happening, I owed {$230.00}. I called usbank and fixed it immediately. The cc company reversed the late fees and I paid the amount owed immediately. There was no intimation that they would report me as late. On XX/XX/XXXX, I found out that a late payment remark was sent to my credit reporting bureau. I have never had a late payment in my life. I am XXXX years old. My credit score was dropped 40 points. This seems highly punitive. The bank says they are legally obligated to report due to the 'fair credit reporting act '. How is this fair?
Product: Credit reporting or other personal consumer reports

I TRADED IN MY XXXX XXXX XXXX IN XXXX OF XXXX XXXX HAS SENT XXXX A CHECK FOR THE OUTSTANDING BALANCE AND LATE PAYMENTS ARE STILL BEING REPORTED ON MY CREDIT REPORT. I NO LONGER HAVE THIS VEHILCE AND I AM CONSTANTLY SEEING LATE PAYMENTS ON MY REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT!!!!!
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o (
Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but Trans Union is still allowing my report to be accessed. 

I need these Inquiries removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX Please Remove XXXX XXXX XXXX Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
Product: Credit reporting, credit repair services, or other personal consumer reports

My education accounts still reflect a negative status despite being awarded a total and permanent disability discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 
I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. Under FCRA 615 ( f ).

I am asking your financial institution to CEASE & DESIST all reporting of these fraudulent accounts. DISCOVER : {$3200.00} This account is the result of identity theft and I attest under perjury that they are the result of identity theft.

This is a legal request to cease and desist.
Product: Checking or savings account

On XX/XX/2021 I deposited {$1900.00} cash into the atm XXXX at XXXX pm ... The atm screen showed there is a problem with the atm and the transaction can not be counted and the money can not be returned. It then showed a screen to manually enter the amount of deposit. I entered {$1900.00} and hit print receipt. The receipt only showed {$300.00}. {$1600.00} is missing. I immediately went to the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, who started a claim # XXXX with the atm vendor by telephone at the XXXX with XXXX XXXX XXXX at the telephone # shown on receipt that states we created an issue record that will be attached to your transaction. It has been 13 days and they have not resolved this claim. The atm should have been counted the next day and receipts checked. This issue should have been resolved immediately. As of today I have a temporary credit of {$1600.00} in my account which I am worried will be removed at any time because they will state the atm was not over {$1600.00} in cash on that day.
Product: Checking or savings account

In XXXX of XXXX, I filed a dispute for a charge that I did not authorize XXXX {$350.00} XXXX. Shortly after, I received the provisional credit. I proceeded to close that account and open a new one at the same institution and transfer the provisional credit over to the new account. 

Maybe a few weeks later, the merchant sent a refund to the debit card, but the card and the associated checking account were closed. After speaking to the bank, the funds were evidently rejected from the card and were applied to the closed bank account. US Bank then denied the fraud claim and tried to deduct the provisional credit from the closed bank account. This may be a timing issue, but the merchant refund may not have been applied to the closed account until after the bank tried to debit the {$350.00}. The account was then charged off with a {$30.00} charge off fee sometime in XXXX. I received notification from the bank ( I no longer have ) that the merchant sent a refund and they would debit the provisional credit. I figured the account would zero out, but that did not happen. 

I was told someone with the proper authority ( I presume they meant a case processor ) will need to reconcile the account to zero it out and remove the charge off. 

On XX/XX/XXXX, I received a call from a XXXX XXXX  representing US Bank about this charge off. I then made my first of four calls to US Bank the same day to get this resolved. 

- XX/XX/XXXX was a 47 minute call, spoke to 4 ( maybe 5 XXXX, with one putting me on hold in the middle of me talking, different people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 37 second call, spoke to no one. Hold times were in excess of 30 mins so I hung up and decided to try again next day - No Resolution - XX/XX/XXXX was a 1 hour and 7 minute call, spoke to maybe 3 people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 12 minute call, spoke to 2 people. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I was promised a call-back, but did not receive one  - No Resolution - XX/XX/XXXX was a 37 minute call, spoke to 3 people through the request of escalation. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I refused a call-back and was told there were no other avenues to resolve this issue. I was told a request would be made to the XXXX XXXX and I should receive a letter in 7-10 business days if a solution could be found - No Resolution One major customer service issue I felt was everyone, but one person was apathetic to this. I did not get the feeling this was all that important, given the amount of times I was pushed off to someone else.
Product: Mortgage

Mr. Cooper had deleted years of statements to hide errors. Attached Statement showing what is due in XXXX, this is one of the missing statements. When we see what is due for XXXX its gone up something like {$50000.00}?!?!? why? please explain
Product: Debt collection

HIRED LAWYER TO LOWER FEE. NO RESPONSE. HARRASSING CALLS ETC
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Checking or savings account

I was expecting a direct deposit of my paycheck on XX/XX/year> of approximately {$1700.00}. The deposit never came. XXXX XXXX can not tell me when I will receive my funds, and has missed all promised times for it to hit my account. I am without my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a victim of identity theft ... The account is Alabama state XXXX XXXX XXXX amount of XXXX I never had this account it is not mine I filed a police report I have also filed a report with the federal trade commission.. it still hasn't been removed off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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