23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owe this debt. Ive had it verified. I am trying to pay it off and cant get this company to respond to me. Ive left numerous voicemails and sent emails that are listed on their website. I need to pay this off so I can get my credit report fixed No one will call me back or respond to my emails
Product: Mortgage

The borrower submitted a modification application through counsel on XXXX XXXX, 2015. More than five days have passed and the borrower has not yet received the notice required by XXXX XXXX Section XXXX XXXX b ) ( XXXX ) ( i ) ( B ) stating whether his loss mitigation application is complete or incomplete, and if incomplete, the additional documents and information he must submit to make the loss mitigation application complete.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempt to address the presence of late closed accounts in my credit file. Despite our prior correspondence and my persistent efforts, it seems that the late closed accounts have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to remove the late closed accounts from my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. 

I understand that rectifying such errors may require time and effort, but it is essential that we work together to expedite the removal process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory resolution. The following late closed accounts should be remove as soon as posssible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 



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

XXXX. XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Debt collection

Dear CFPB, I am contacting you regards Portfolio Recovery original creditor XXXX XXXX  account # XXXX regarding the reporting of this account on my credit bureau. I have been asking them to verify the debt since they are saying I owe the debt for my own validation purposes and they have failed to do so. They purchased this debt and have called my place of employment with harassing phone calls and at this point I am asking them to cease and desist from contacting me from this date forward. I am also asking that they remove the negative reporting from my reports since they have not been able to validate this debt with the original data furnisher that provides my wet signature. I am requesting that they send and attach to you the the contract because I have no idea what this account is nor when it was opened. 

By law because this was from ID theft they must delete. I am reporting not only their non ethical business practice but I need this removed. I have attached the FTC affidavit
Product: Debt collection

XXXX account became past due in XXXX and was sent to collections. XXXX it was removed from my credit report as charge off. It the re-appeared on my credit report under XXXX XXXX  and is reflecting a debt date of XX/XX/XXXX. When I called XXXX XXXX I had to call a different number to talk to anybody about my account because it was being handled by an outside source.
Product: Mortgage

I was given a date of XXXX to move out. I would like to remain in the home and pay rent.
Product: Mortgage

My mortgage used to be with Seterus. A new company acquired my mortgage. The company is Mr. Cooper. My old mortgage payment was {$1000.00} per month. When I received a bill from the new company the mortgage was now {$2500.00} a month. The new company showed charges for acquiring my mortgage such as an appraisal, lender expenses ( XXXX ) and a late fee of {$170.00}. I received a letter from the stating no late fees would be assessed for 60 days. This seems excessive for a late fee any way. I have tried to call the company but am always on hold for about 30-45 minutes before I get frustrated and hang up. I received a letter stating nothing would change with the mortgage payment. I don't understand how they can do this. I didn't ask them to buy my mortgage. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my XXXX credit report I noticed a debt collection from Jefferson Capital Systems. While doing an investigation I also noticed that this collection company is not license to collect debt in the state of XXXX  and they are trying to collect on me, which is a violation.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding the lack of response from RMP Services LLC in regards to a debt validation letter that I had sent them on XX/XX/2023. 

On XX/XX/2023 I had sent a debt validation letter via certified mail, return receipt requested, to RMP Services LLC as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ). The purpose of this letter was to request validation of the alleged debt they claimed I owed. 

According to the FDCPA, upon receiving a debt validation letter, the collection agency must provide verification of the debt or cease their collection efforts. However, despite the certified tracking information confirming that they received the letter on XXXX XXXX, I have not received any response from RMP Services LLC to date. 

This lack of response has caused me significant concern and frustration. By not providing me with the necessary validation of the alleged debt within the legally required timeframe of 30 days, RMP Services LLC is not adhering to the obligations outlined in the FDCPA. This conduct goes against the consumer protections put in place to ensure fair and ethical practices within the debt collection industry. 

I believe it is important to highlight this issue to your attention, as your organization plays a vital role in enforcing consumer protection laws. I kindly request your assistance in addressing this matter and ensuring that RMP Services LLC fulfills their obligations under the FDCPA. 

Enclosed with this letter, I have provided copies of the debt validation letter I sent, the certified mail receipt as evidence of delivery, as well as any other relevant documents to support my claim. I trust that these materials will be of assistance in investigating this issue further. 

I kindly request that you investigate this matter promptly and take appropriate action against RMP Services LLC for their failure to respond to my debt validation letter. Additionally, I would appreciate it if you could keep me updated on the progress of this investigation. 

Thank you for your attention to this matter. I look forward to a favorable resolution of this issue and I trust in the CFPB 's commitment to protecting consumer rights.
Product: Checking or savings account

I had submitted a form to XXXX XXXX to work with Optum Financial to close my HSA account with Optum and transfer funds to XXXX XXXX. It has been more than a week since my account was closed. XXXX XXXX doesn't have my funds, even though they submitted the form to Optum to close my account. And Optum can not tell me where they sent my check and the details of the check they issued to close my account. My Optum Account number is XXXX. I am missing
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Motor Credit reporting 60 days late. This always shows on my credit report, which is not true. This is incorrect information, that Toyota Motor Credit reporting to the credit bureaus damaging my credit with false information. I disputed it with credit bureaus, and they changed nothing, just sent the mail that all correct they verified it. I disputed it with Toyota Motor Credit, and sent the proof as attachment with all statements from my checking account, thats the only proof that shows no 30 or 60 days lates. After all Toyota Motor Credit update the information with the same lates. I have the copy of disputed letters with attachments, and the proof of delivery ( mails was sent certified ). Please help me to remove this incorrect information from my credit report. I can send you the evidence of my payments and you can check that no lates on my account, and the Toyota Motor Credit going against the FCRA rules about accuracy, fairness of reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, my XXXX XXXX ACCOUNT # XX/XX/XXXX, was closed on my report and it should be open on the bureaus instead of closed. i paid the balance down, been on time every month, and it drop my score 7 points as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute with Experian my social security number and inaccurate address reporting on XX/XX/2021 at about XXXX and spoke with a " XXXX ''. I have accounts currently being disputed via certified mail and included in those letters, I have a copy of my driver 's license and social security card. So every credit bureau has my driver 's license information and social security card information. I asked that he correct my social security number and he continued to speak on a specific account on my profile I was no longer inquiring about. He sounded half asleep and disinterested in this situation. This is an important issue and I felt he didn't want to help me. Only after asking me 5 times what my issue was and me telling him all 5 times what the issue was, did he finally submit for a dispute of my social security number. I began telling him my address was incorrect, and he proceeded to say, " What's the problem now? '' At this point I asked him if there was someone else that could help me that wanted to actually help me because it seemed as if he wasn't interested? He responded back saying that if I wanted to dispute anything on my credit report I needed to submit online another dispute, and I reminded him as I did in the beginning of the conversation that online doesn't allow me to submit a dispute for my social security number or address and that it tells me I need " special assistance with this matter '' and to contact the number listed. He got quiet, and I asked him his name. After ignoring me for a good minute and twelve seconds, I asked again what his name was, and asked for an ID number. He told me his name was XXXX and he didn't have an ID number. I told him I'd call back and speak with someone who wanted to assist me because he isn't trying to. I hung up.
Product: Credit card

Hi. I had a Barclays Jet Blue credit card that I hardly ever used. At some point, I had a minimal balance but did not receive my statement that month so didn't realize it. I believe it was the annual fee. Once I did, I immediately paid it off. My credit score went from XXXX to XXXX. My household income is $ XXXX. Do they honestly think I couldn't pay off a small balance? I am asking for a one time courtesy to remove the item from my otherwise perfect 20+ year credit report. Thank you very much.
Product: Credit reporting

I have filed a complaint with each of the inquiries in question with the CFPB. Their responses were dismissive and final just like yours. But yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the inquiries to be valid and being reported accurately. Failure to provide me with a copy of any alleged contract or other instrument will result in a small claims action against your company. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] By not properly investigating properly with each inquiry within the required time-frame, I have evidence of such, via certified mail receipts, you must remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. I will be relentless in having those unverifiable inquiries removed. 
Here are the inquiries in question : XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Banking XX/XX/XXXX XXXX Banking XXXX XX/XX/XXXX Banking XXXX XX/XX/XXXX Finance CAP XXXX XXXX/XXXX/XXXX Banking
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - IDENTITY THEFT ACCOUNT!!! 

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have been with navy federal since XXXX  and I was getting charge a lot of overdraft fee for years
Product: Payday loan, title loan, or personal loan

I am currently applying for a HELOC with XXXX XXXX. When they pulled my credit there was a credit inquiry on the account from XXXX XXXX XXXX that I did not conduct. I did not apply for any credit at all. I called them to dispute and then sent in a dispute letter through the mail that they received on XX/XX/XXXX telling them that I had not applied for any credit ( through any company ) and asked them to remove the inquiry from my bureau. They sent me a form letter denying my claim telling me that they had permissible purpose to pull my credit when I applied for the loan. I had made it clear to them that I had not applied for any loan. They did nothing to investigate my claim. If I had applied for a loan through them I would have proof of that and should have received some form of adverse action to my address. None of that happened so I did not even know someone had fraudulently applied for a loan using my name.
Product: Credit card or prepaid card

Several years ago my self and my soon to be ( ex spouse ) consolidated our credit cards under XXXX. We have alternated living at the address that the XXXX XXXX credit card was sent to. 
In XXXX of XXXX we received mail from Chase. As we do not have any open credit cards normally we just shred them as they are advertisements that we are not interested in. 

I opened this one and it listed a balanace of {$3400.00}. 
I called Chase Immediately and reported the opening of this card as fraudulent. 
I was advised by " XXXX '' that the situation would be taken care of and we had no liability for a card that we did not open. 

Needles to say another statement came. We were then advised that we had a late fee. 
The first dispute was filed ( should have been done by XXXX, but was not ) The dispute later came back denied because it was mailed to our address. 
It was never activated or received by either XXXX or XXXX XXXX. 
I sent in numerous statement showing that out mail has been previously mishandled. 

The claim was then appealed to Chase executive office and decided under the same provision that it was indeed our mailing address. 
Due to our seperation there were multiple people bringing in the mail for us and each one of us lived there for a different period of time. 
on XX/XX/XXXX I called again and was not provided any information. 
Another appeal was denied XX/XX/XXXX with no decision ever being provided. 
It was suggested that an appeal be filed via XXXX  which was done, and denied under the same provision. They stated that they adopt Chases decision. 

We then made contact with a XXXX XXXX who was helpful in reviewing the account and states that he would be available by email which he provided stating that this did appear to be a fraudulent account. 
he never contact either one us back. 
We have had multiple security /social security number breaches We last spoke to another manager XXXX XXXX that said she agreed and would look further into the case for us. I asked for review of video footage, signatures etc. She called and left a message just saying she was sorry she could not help. 
I asked to file a claim on each individual purchase if they would not accept that the opening of the card was fraudulent I called and emailed again XX/XX/XXXX asking for : 1. A letter saying that the claim is still under dispute as we were trying to refinance the mortgage so one of us could stay in the home with the kids. 
2. We requested the waiver of the late fees as we were advised not to pay the bill while it was in dispute. 
3. Verification of the status of the claim. 

I have left many voice mails for both managers that I was assigned to and received no help, response or support. 
It is now likely that I will not be able to refinance without proof that this account is in dispute. 
I do not feel like it is reasonable that they are using the criteria of an address as the end all and be all of if this card is fraudulent. It is lazy and it is hurting our family. 
We deserve timely written answers and reasonable research to validate that this is not our account.
Product: Debt collection

Dear CFPB : On a span of 3 days, I received 17 calls from Synchrony Bank through different times from the same number. We have our bills up to date, but they stopped calling, even we told them to. I mailed a letter on XX/XX/XXXX, and on XX/XX/XXXX to two different addresses from Synchrony Bank ( one in XXXX and the other one in Utah ), explaining that the calls were unwelcome. We cited the law and the fines per violation. So far I received no response from them.