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

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX Re : Dispute of Inaccurate Debt Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate debt reporting on my credit report. The creditor, XXXX XXXX XXXX, claims that I owe an outstanding debt ; however, I have not signed any agreement acknowledging this debt. I believe that this claim is inaccurate and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Disputed Debt : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$3600.00} I am requesting that this debt be investigated thoroughly, as I believe this reporting to be in error. The absence of a signed agreement between myself and the creditor calls into question the validity of this debt. 

Please take the necessary steps to investigate this matter with the creditor and remove or correct any inaccurate information that appears on my credit report. If additional information is required to proceed with this investigation, I would be happy to provide any documentation necessary to support my dispute. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to this issue. 

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

Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : aCCONTS NAME : XXXX Accounts number XXXX [ enter late payment date XXXX XXXX [ enter late payment date XX/XX/XXXX [ enter late payment date XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian & XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Attention : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Pursuant to FDCPA XXXX XXXX. XXXX XXXX ) XXXX XXXX Code XXXX valuation I am writing in response to your recent communication regarding an alleged debt that you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX XXXX hereby request that you provide full validation of this debt. Under federal law, you are required to cease all collection activities into you furnish me with proper documentation. proving the validity of this alleged debt. 

I am requesting the following information : XXXXThe name and address of the original creditor. 
XXXX. A copy of the original contract, agreement, or signed instrument bearing my signature that establishes my obligation to the debt XXXX. A full itemized accounting of the alleged debt, including all payments, fees, interest, and charges applied XXXXProof that you have the legal authority to collect this debt by providing documentation that XXXX XXXX XXXX owns or has been assigned this debt. 
XXXX. Verification that the statute of limitations has not expired on this debt under applicable state law XXXX. Any judgment obtained against me, if applicable. 
Until you provide all requested documentation, I demand that you cease all collection efforts, including reporting this debt any credit reporting agencies, calling me, or sending further collection notices. Any continued attempts to collect without proper verification may constitute a violation of the FDCPA and my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. {$1600.00} Furthermore, be advised that if you fail to provide proper validation and continue to pursue collection efforts, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office Please respond to this request in writing within 30 days of receiving this letter. Also, note that I prefer all communication to be made via mail and not via phone calls. 


According to XXXX XXXX XXXX XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized accounts : : ACCOUNTS : XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you.. Sincerely XXXX XXXX
Product: Credit card or prepaid card

As of XX/XX/2018, I paid off my XXXX XXXX XXXX in full. They reported me late 90 days, never sent me a bill in the mail notifying me of any balance due. 
They tacked on a late fee, and then 2 more late fees, for no apparent reason and then reported me late past 90 days. 
I called the company and spoke to XXXX, and she said they were going to have it corrected. But I haven't seen anything being done. Still showing on my 3 credit reports.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

United Consumer Financial is reporting inconsistent and erroneous information across the credit reporting Bureaus. I have disputed this account and provided them with documentation to notify them that my personal information has been mixed with someone else 's according to the credit bureaus. I notified this company that the debt they're reporting to my credit reports is unknown to me. And I sent several written requests for debt validation and verification. The rep I spoke with from their company admitted my information didn't match the collection account information however this company will still reporting this unverified and unknown account. This company has a different name then mine and a different address but they claim its linked to my social security number. AFTER I DISPUTED THE ACCOUNT ... UNITED CONSUMER FINANCIAL RE-AGED THE ACCOUNT BY CHANGING THE DATE OF LAST ACTIVE ... which determines the debt statue of limitations for credit reporting and this is a violation as well. Please attached screenshots. To date this company has NOT provided me a copy of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) (  A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Immediately! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if  you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONSTAR/MR COOPER ACCT NO XXXXXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX   AND XXXX  CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF AURORA BANK ( AQUIRED BY NATIONSTAR/MR COOPER ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM AURORA/NATIONSTAR. 
XXXX ... ../SPOC AT AURORA BANK XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX-XXXX-XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT AURORA.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.
Product: Credit reporting or other personal consumer reports

Today 's date is XX/XX/ I contacted credit karma under their chat response program and got a live agent on the phone. I had a question regarding a creditor that popped up under my Credit Karma account that I did not understand. The gentleman asked me to confirm And send photos of my drivers license and Social Security card after doing that I felt stupid and then I questioned him and asked him his name badge number or employee number and he refused to give it to me when I said I was going to report this and then I took snapshots of our conversation he ended the conversation. I have no idea who this person is that now has my information my personal Social Security number. There is no place on Credit Karma to file a complaint after the conversation a window popped up for me to file a star system rating the conversation which I did and then was it not allowed to process it through. There is no place on the Credit Karma app where you can file a complaint with their complaint department that is why I am writing to you the following is a snapshot of the conversation and the gentleman I spoke to I tried to upload the picture but it would not let me do that here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi, OnXX/XX/XXXX at around XXXX EDT, I received a call from Citibank asking me to verify a recent debit card transaction. I denied the transaction, but moments later wire transfers were being sent from my account. I called the bank immediately to notify them that these were fraudulent activities and to stop whomever was draining my account. They were courteous, respectful and professional at all times and once they verified me they were helpful in trying to understand and deal with the problem. It has been nearly 24 hours and i have not received any notification from the bank as to the details as to what happened and whether or not I will regain my access to my account, disposition of funds, and details as to what happened. Thank you. 

regards, XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX and I have an auto loan with Key Bank. In the month of XXXX I applied for skipping a payment because I lost my job and I was going through financial tough time. They approved me for that month so I did n't make any payment. Next month they 're start making hundreds of harassing phone calls from the collection department that I missed a payment. I suppose to have a skipped payment for that month they said I never sing the latter. I never get any latter from them and I told them to resend me the latter again but never get that latter from them. Now they 're reporting it to my credit bureau and it 's really hurting my credit. Also I 'm worried about they are going to reposition my car. So tried to work with them about that issue and they refused to help about this matter.
Product: Credit card

All my credit limits were lowered to the amount of usage affecting my credit score drastically then took extra actions to lower all other credit cards that I had with American Express costing me great difficulty to move forward told me by XX/XX/year> my account would be restored if no derogatory Actions on my part as there were none. None of my limits have been restored and no one can show me or tell me anything.
Product: Checking or savings account

They manipulated the processing of posting transactions chronologically, Wells Fargo deducted the largest charges first, drawing down available balances more rapidly and triggering a higher volume of overdraft fees. For example Charged me {$35.00} for an {$11.00} reoccurring charge by posting a large transaction of {$400.00} that actually occurred after the {$11.00} transaction. I called and they stated the charges are valid.
Product: Credit card or prepaid card

On XX/XX/2020, I was charged a {$2.00} transfer fee for transferring the balance to my regular checking account. I had never been charged this fee before and the terms of use do not show this as a fee. It has always been free to transfer funds. 

I called customer service and waited over an hour on hold. The customer representative said she'd request a refund of the fee. I never received it. 

I feel this company fraudulently charges this fee and refuses to provide a refund. They also make it more difficult to access funds by charging fees and withholding transfers for several business days. There is not an expedited way to access funds without a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent a debt collection of {$700.00} that was dated back XXXX from a capital one and it was charged off XXXX. Im reporting this account as fraud because my brother has used my name in several attempts to receive credit cards for financial gain in my name. For I have no knowledge of this account and I'm also attaching a official document from his parole officer that he has been using my name with a FBI number that's listed on the document .and I have also re-enter a fraud alert with capitol one with this matter
Product: Mortgage

I had hired 3 companies in the past to help with my mortgage to get a loan modification. I had given up on the companies, partly because I was having problems with constantly having to resubmit the same papers over and over again. I finally contacted the company myself and submitted all of the paperwork and got a decision that they would not give me a loan modification.
I have had to take care of my father because I am the only one to care for him. My mother passed away 9 1/2 years ago and I have had to help with his care. Most recently he became seriously ill and I had to stay with him at his home and be his  XXXX . My grandson moved into my house and is taking care of it in the meantime. My father passed away  XXXX / XXXX /17 and I am the executor of the estate and it has a reverse mortgage on the house which requires someone to be here to maintain the house until the estate is settled. I am the executor and heir. They declined my loan modification because I have to care for my father and his estate and stay here until it is settled. The date of the decline was just told to me on the phone  XXXX / XXXX /17. The company is CitiMortgage. I have been dealing with this and have just constantly been sending in paperwork for over a year. I have paid companies {$10000.00} or more to try to help me and have this outcome. They said it will be in foreclosure but there is a court suit on it so it will be in litigation. I do n't know what the litigation is about and how this is going to affect my credit and how to save my home.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an XXXX loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an XXXX  loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime around XX/XX/XXXX I unfortunately took the advice of a loan broker and purchased an adjustable rate home mortgage. Sometime thereafter I took out an equity line of credit with XXXX XXXX XXXX in the amount of {$200000.00}. Unfortunately because my interest rate doubled, I lost my home. XXXX XXXX XXXX foreclosed on me XX/XX/XXXX. In addition, because I no longer owned the home,  State Farm Bank made a demand for the {$200000.00}. Since I had no property with equity at the time, I was unable to pay. State Farm Bank and I agreed to a payment of {$500.00} a month until I could recover financially. ( I did not want to file bankruptcy as I had other debt and an IRS bill because of the foreclosure. ) I paid the {$500.00} a month faithfully and in XX/XX/XXXX State Farm and I agreed to {$1000.00} a month payment ( our agreement is attached. ) I have paid XXXX XXXX dollars a month faithfully from the time we executed our increased loan repayment agreement. In reviewing my credit file recently I came to learn that State Farm Bank is reporting me with a serious mortgage late record. The State Farm Bank loan representative told me on two different occasions that because the loan was charged off in XX/XX/XXXX, they would continue to report me as mortgage late. This is in spite of the fact that I 've paid them faithfully every month since the loan was charged off. What I do n't understand is that State Farm Bank started to report me late in XX/XX/XXXX. Prior to XX/XX/XXXXall that was indicated on my credit file was a loan foreclosure and mortgage loan charge off. I have  attached a copy of my credit report and have indicated on page 3 where there is no mortgage late reported.
Because the loan was charged off seven years ago, and I have paid as agreed since our XX/XX/XXXX agreement, I am requesting that State Farm remove all the derogatory credit reporting they have filed on my credit report.
Product: Credit card or prepaid card

from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Product: Debt collection

Transworld Systems Inc. mailed me a stack of supposed medical bills for services provided to my late wife. In an effort to hinder my efforts to resolve the matter they put an incorrect contact phone number on their notice. Their notice fails to provide even the most basic information to allow me to identify what service they say money is owed for. They just say i owe the money because they say so. On XXXX/XXXX/16 when I called they refused to tell me or send me any information because they claim they already sent it by guaranteed mail but refused to even answer the question about who 's signature was on their supposed guaranteed mail. I feel it is reasonable to assume that their claim of sending via guaranteed mail was a blatant lie based on their failure to even acknowledge that I asked who signed for their guaranteed mail. Finally, they repeatedly tried to interrupt me while I was in the middle of a sentence and then hung up on me because they claimed that I was talking over him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,