23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are Collections without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove these negative and adverse remarks. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}
Product: Debt collection

Owed American Express the payment was on time was not late was advsed by a Representative that the payment was not received when it fact it had been. Called my bank they cofirmed the payment to be recieved by American Express. Spoke with another Representative at American Express and was advised that the account would be closed.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me
Product: Debt collection

Company sent me to collections but I have no debts with anyone at this time. There was no attempt to contact me.
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw inaccurate accounts on my credit report, and I have no idea how they got there. I checked my credit report as I normally do, but to my surprise, there were discrepancies that Ive never seen before. I even tried refreshing the page, thinking it might be a technical issue, but the inaccuracies remained. This has left me extremely worried, so I ask that the documents Ive submitted be carefully reviewed to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX : Account Number ( XXXX ) XXXX. XXXX XXXX Account Number ( XXXX ) XXXX. XXXX : Account Number ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX in which -- XXXX has removed this account from my credit reporting due to the factor its been over 7 -- -- years since the last payment was received this company provides nothing to me this is my -- -- complaint.
Product: Debt collection

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and XXXX credit agengies but it has came back as verified. That is not accurate. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof og the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. This debt is reporting in accurate and must be deleted. On XXXX this collection/charge off is reporting as an open debt with no history of payment. On XXXX this collection/charge off is reporting as open but in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX it is reporting as paid on time and then on XX/XX/XXXX it is reporting as 120 days behind. On XXXX this charge off/collection is reporting as closed and has no history other than XX/XX/XXXX and XX/XX/XXXX reporting as a collection/ charge off. You see this collection angency has reported different activity to all three credit reporting agencies and need to be removed for inaccuracies innediately. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Checking or savings account

My account was used fraudulently with chime and chime denied my claim. ive been fighting with XXXX to get my money back since. A order of the amount of {$180.00}. It is chime fault for letting scammers into my account. My dispute was denied with chime and i have yet to get my funds back. They denied my dispute and when i called to complain an agent claimed they opened my dispute back but its been months and ive heard nothing back.
Product: Credit card or prepaid card

charges on my account i did not make and bank will not remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Checking or savings account

I opened a joint savings account for myself and my husband at Synchrony Bank in XX/XX/XXXX. For this account, I was able to complete required disclosures online. 

At that time, I also opened XXXX savings accounts for my minor children at Synchrony Bank. 

I was unable to open the children 's accounts online, so I had to call the bank. Because of this, the bank had to mail physical paper signature cards to me to sign on behalf of my children. 

I signed them and mailed them back in XXXX of XXXX. 

The cards were rejected because the scanner could not " see '' the teal ink of my pen. I was sent a letter that they didn't receive the signature cards, no other explanation. 

I uploaded new signature cards for each child to the Synchrony Bank website, as instructed by a telephone rep. The signature card for XXXX child was processed, but the other XXXX children were not processed. 

I received no indication that anything was wrong until I received XXXX for each child in XX/XX/XXXX that there was backup withholding being taken from the interest payments on their accounts. There was no indication of backup withholding on any of the children 's statements, and no letter or phone call ever alerted me that this was occurring. 

In late XXXX of XXXX, I began trying to solve the issue and get the backup withholding removed. After several phone calls, Synchrony Bank finally explained to me that the scanner that received the original signature cards for the children 's accounts did not detect the ink from my pen. I asked them to pull the original documents and re-scan them, and I was told that the signature cards are destroyed immediately upon scanning, so this could not be done. I was also told that the backup withholding had not been removed from my children 's accounts, and that they could not tell me why. I was asked to re-upload the signature cards for the XXXX children that were inexplicably not processed. 

I did that in XXXX of XXXX, and upon calling back on XX/XX/XXXX, was informed that the second set of signature cards did not have the correct naming convention printed on them ( DUE TO BANK ERROR ) and that they would need new signature cards from me... again... and that the backup withholding wouldn't be removed until they had them. 

In addition, I received XXXX letters in XX/XX/XXXX, addressed to the minor children ( not to me, the adult on the accounts ) that they needed substitute XXXX because Synchrony Bank XXXX XXXX their TINs were incorrect. Again, the children clearly can not sign these. 

Synchrony 's banking practices surrounding backup withholding are deceptive in that you receive no notice, can't get it corrected in a timely manner, and the statements give ABSOLUTELY NO INDICATION that it is occurring.
Product: Debt collection

This debt collector has called me several times a day for the past week. I have recorded each time they have called and emailed me. They have emailed me at least twice a day on a daily basis. I had explained to them the payment process my company goes through before issuing a payment and that I will call to make the payment. The collector for pay-o-matic continues to call constantly, interfering with my daily work routine.
Product: Credit reporting or other personal consumer reports

- THD/CBNA on XXXX sent inquiry for personal loan that I dont recognize. 

- Original creditor information not available but I have a collection account that was opened on XX/XX/2022 in the amount of {$580.00} that I do not know where it came from. The only other information I have is the account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX, Oh XXXX In XXXX XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to Portfolio Recovery Associates in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to Portfolio Recovery Associates because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, Portfolio Recovery Associates, XXXX, XXXX, and XXXX to no avail.
Product: Student loan

I have been struggling to pay my private loans with Navient for years, so much so that I filed Chapter XXXX in XXXX to eliminate other debt just so I can pay them, because they are the only company that i've had debt with that wouldn't give me options to repay them and I never want to have them garnish my wages, because they are not flexible with payment options at all. I've been making payments with Navient as far back as XXXX, and even when I was unemployed they still required me to make payments. I have been on repayment plans with them for years, though I couldn't afford it. For the first time in years, I couldn't pay them for two months. I called to see if there were possibly any options and they told me there are not and since I accrued new debt ( based on them viewing my credit score ), a vehicle, that they would not give me any repayment options or lower my payments because the debt I accrued was considered high, so they are not going to offer me any options. In other words, even though I needed a vehicle, I should have got a cheaper loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX- XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the XXXX XXXX, Section XXXX. Compliance and Procedures [ XXXX XXXX  XXXX ] ( XXXX  ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section XXXX. Disclosures to consumers [ XXXX U.S.C. XXXX ] XXXX consumer reporting agency shall, upon request, and subject to XXXX ( XXXX  ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and used XXXX XXXX XXXX to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid XXXX XXXX XXXX the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with XXXX XXXX XXXX was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted XXXX XXXX XXXX to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to XXXX XXXX XXXX. After 45 days XXXX XXXX XXXX hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

After paying our mortgage and escrow for over 1 year, our homeowners insurance policy was up for renewal. Loancare/XXXX was properly informed multiple times by the insurance company, including a warning of cancellation for non payment on XX/XX/2019 with the cancellation/renewal date of XX/XX/2019. Loancare/XXXX has ignored such warnings from the insurance company and our endless phone calls to customer service. The homeowners insurance policy was canceled for non payment on XX/XX/2019. 
Loancare/XXXX  has still not paid our insurance policy and is ignoring any effort of contact. Yet they hold all escrow payments. We are now working on a official complaint with the Texas Department of Savings and Mortgage, as well as to trying to find legal counsel to prepare for a law suit against this embezzling company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct : CARNGTN MTG XXXX
Product: Checking or savings account

I never had an account with them and they wont allow u to open an account
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Pursuant to FDCPA & FCRA To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I recently noticed this account on my credit report and have not received proper verification that I am liable for this debt. I request the following information : 1. The name and address of the original creditor.

2. A detailed account statement showing how the balance was calculated.

3. A copy of the signed agreement or contract that proves I agreed to this debt.

4. Any documentation showing that you are authorized to collect this debt.

5. Proof that this debt is within the statute of limitations for collection.

Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this account to the credit bureaus. If you continue to report this debt without verification, it may be a violation of federal law, and I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Please provide the requested validation within 30 days of receiving this letter. Failure to comply may result in legal action. Additionally, if you are unable to validate the debt, I request that you remove this account from my credit report immediately. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX