23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Systems & Services Technologies , Inc., breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Systems & Services Technologies , Inc. , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Systems & Services Technologies , Inc., furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXX It has come to my attention that Systems & Services Technologies , Inc. , lacks authorization to pursue debt collections in XXXX XXXX , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
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. 

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 US DEPT. OF EDUCATIONXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiry on XX/XX/XXXX Bank of America inquiry on  XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them
Product: Checking or savings account

On XX/XX/XXXX Chase bank closed my account. I contacted them to fine out why. They told me that something happened on my account and that is the reason they closed it. They told me that they don't have to give me the reason. At that point in time I had {$580.00} in my account. I've made several attempts to get my money back. As of XXXX XXXX they are not going to refund me my money. I still don't know the reason behind this. 

They locked me out of my account so I don't have any documents for this
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting correctly. Theres a late payment shows The consumer reporting agencies need to report all information with complete inaccuracy. These accounts had not and never been late on payments. I have attached a copy of my report to this complaint and now I am requesting you to investigate this account block and delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Report Act XXXX XXXX Discover and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I am not pleased with the credit bureaus handling of my disputes. I contacted them by mail notifying them of numerous inaccuracies in their reporting. I noticed several accounts on my report were misrepresented and erroneously reported. I sent them a list of the accounts as well as the issues along with all verifying documents and I have not seen any changes made on my reports. Their investigation resolved nothing and I don't think they actually conducted a reasonable one. My report has not changed and I am getting stressed out by this. I am aware that they can not continue to report erroneous information because that is against the law to do so. I need this resolved immediately.
Product: Bank account or service

I was a customer at XXXX in XXXX Wisconsin but Old National Bank took over and WITH OUT my permission automatically set up the autopay on items that I LEGALLY had intended not to pay due to findings of a state of wisconsin result of their investigation I now have a -XXXX in my checking account due to reoccurring NSF ... I 'm livid and want this mess cleared up. I also have a feeling old national bank kept me from cashing my payroll check so I starved all weekend. Straighten this mess so I can bank elsewhere.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, Experian, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : 1. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, XXXX, XXXX XXXX. Contacted each credit reporting agency ( XXXX, Experian, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX have filed numerous disputes with equifax regarding Acct. # XXXX, and XXXX regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX. and requested that any and all documents pertaining to their investigation and response from the lender be provided to me according to my rights. I advised them that I did not consent to XXXX or means of automated verification, due to the fact that the lender has documents that does not identify with my signature in the records and their inaccurate reportings about the date of last payment made. The creditors advised that they verified that the account reporting was correct, but did not provide me with documentation to support their findings as requested. The Bureaus advised that I would need to contact the creditor to resolve this matter. On XX/XX/2018, I submitted a certified letter to the lender ( XXXX XXXX XXXX, requesting all documents pertaining to my account, including those bearing my signature, and they provided me with documents showing late payment after a voluntary repossession. I am attaching documentation of the letter submitted to the bureaus and the lender for your review.
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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the inquiries below : 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 XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

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 1681's-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 inforation is inaccurate
Product: Credit reporting or other personal consumer reports

Im writing in regards to letters I sent out disputing this account with XXXX XXXX and I never received any correspondence about to the disputed account, I wrote to XXXX XXXX, XXXX, XXXX and Transunoin and it had been over 35 days with XXXX transunion and XXXX and it has been 34 days with XXXX XXXX The Late payments are reporting inaccurately and illegally. I pointed out all the violations that they are in violation of and continuing to report this account is illegal. I want this account reinvestigated and this account removed.
Product: Vehicle loan or lease

They over charged for the car and the car was not worth it. It kept malfunctioning and the computer system kept going in and out. It was not a functioning car for the price
Product: Credit reporting, credit repair services, or other personal consumer reports

On the credit report it shows that we still have a mortgage with XXXX XXXX/ XXXX XXXX XXXX 
This mortgage was transfer to XXXX in XX/XX/XXXX. We do not owe money on this to XXXX XXXX. It needs to be removed or reported as paid in full.
Product: Credit reporting or other personal consumer reports

Both Experian and XXXX XXXX are displaying inaccurate account information on my consumer report violating CFPA, FCRA, XXXX, and FDCPA. I have disputed this account as inaccurate but they are illegally validating as accurate. Please investigate this matter.
Product: Mortgage

please do NOT close complaint XXXX, Caliber Home Loans is trying to pretend that they didn't remedy the situation, I have added notes to the complaint dated today XXXX XXXX, 2020, the XXXX  XXXX  Birthday ironically.
Product: Credit reporting or other personal consumer reports

my personal information was breach with equifax this cost me a lot i have thing in my credit report that i did not do so i was denied credit i never recived no pepar work leting me know that my privite information was breach dates XX/XX/2020
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires that I did not do. and they need to be removed now from XXXX XXXX
Product: Mortgage

I received my escrow analysis on XX/XX/2018 and it is incorrect by a lot. {$450.00} to be exact due on XX/XX/2018, or ( of coarse ) my mortgage would be affected by the shortage for the next year. On XX/XX/XXXX I called my bank to claim there was something wrong with my analysis since the shortage was so large ( I expected maybe {$10.00} to {$20.00} difference ). At which time I would of paid the difference to keep my mortgage within the same price range as I am on a FIXED income. Knowing my last bank statement had my escrow account balance at {$380.00}. The mortgage personal on the line quickly realized the mistake of my analysis starting my escrow balance at {$3.00} and said I'm going to put in a request for the escrow department to do another analysis. I inquired will I get the new analysis before the XX/XX/2018 escrow shortage due date, she checked and said " Yes, you should have it in the mail by the XXXX. It didn't come the XXXX or the XXXX of XXXX, so I called my local branch to get some help from someone there. Was told " I can't do anything with an escrow dispute, unless it's in writing. '' I asked if I could speak to a Mortgage personal, she said she was one and I would have to call the XXXX number for the branch. So I called them on the XXXX only to find out the escrow department declined my request as ( and I quote ) " we only have to do one analysis a year. '' Called my bank again today the XXXX as they also included in my actual column on my analysis two house insurance payments within two months of each other, even though its in bold writing, Which is another {$480.00} clerical error on my analysis. Between the two XXXX ups done by XXXX escrow department it totals {$860.00}. They wouldn't help with the last XXXX up and I don't trust them to decline this request. So, I apologize if I'm jumping the XXXX with this complaint, but they didn't do another analysis on the XXXX as I had been told would be done. I didn't realize the escrow department had the right to decline an analysis request, especially with any clerical error. I also called my house insurance company to check and see if they didn't get paid twice to create a shortage, they haven't. Just currently stuck in a situation where I don't trust my bank with my money at all anymore. I also want any extra monies applied to my escrow to date applied to my mortgage principle printed on a bank statement. As a small change was made to my mortgage payment before the so called escrow analysis was done. The payment was made on the XXXX of XXXX and the increase was put into my escrow account. I currently haven't received my mortgage statement yet as they are printed on the XXXX of each month and received by now.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$80.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

NFCU sold me a products and services that wasn't authorized to sell me at the time by SCC of Virginia as told me and voicemail left by Mr XXXX XXXX connected to the loan dating back to the first deduction XX/XX/XXXX from my checking account/credit card. Financial statemens from Navy Federal Credit Union proves the deductions XXXX monthly and XXXX moth dating back to XXXX to XXXX. I requested a FOIA Act and fradulent conditions against me as a member and a customer of Navy Federal Credit Union without my knowledge of knowing it committed fraud by selling me a financial product that they reported on my bank statements as Disability/ IU/AD knowing the product and services wasn't insured nor regulated by SCC Of Virginia Bureau of Insurance according to Mr XXXX XXXX while NFCU were receiving and charging me illegal payments of XXXX for products and services that never existed while allowing me to believe that I was purchased products and services that weren't licensed by Virginia Bureau of Virginia. This is Fraud and XXXX and NFCU through emails FOIA Act proves they both acted illegally to hide this FRAUD.. This caused me Hardships and causing my checking account to be overdrawn charging me XXXX repeatedly dating back to XX/XX/XXXX. 
While my health insurance and finances caused credit report to deny loans after 30 day notices. This was reported to Mrs XXXX XXXX XX/XX/XXXX and her secretary responded about GAP INSURANCE POLICY that NFCU GAP loan documents stated weren't included but resulted in Payment from GAP. that I also was charged for. NFCU has without my permission to misappropriate my funds through mail fraud and without license to sell products and services to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. I was never late on this account. There are multiple errors. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update as OPEN - never late. 

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

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions.

a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

The actions being taken against my dwelling by OCWEN LOAN SERVICING , LLC and it 's agent XXXX, XXXX XXXX XXXX , XXXX & XXXX XXXX XXXX in the Circuit Court of XXXX County is in violation of the Consumer Financial Protection Bureau Consent Judgment # XXXX against OCWEN FINANCIAL CORPORATION and OCWEN LOAN SERVICING , LLC ( OCWEN ) for violating numerous laws, including but not limited to the Unfair and Deceptive Acts and Practices law and the Consumer Financial Protection Act of 2010. 

A FDCPA demand was mailed in XXXX XXXX and as of this date the Respondents have failed to provide evidence required by the CFPB and under the FDCPA that OCWEN is a 15 USC 1692a ( 4 ) creditor, yet is proceeding in an action that would be in violation of 15 UCS 1692g to cease and desist absent verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and XXXX detailed of all those fraudulent information. These two companies and Capital One and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, XXXX and all companies that included in my credit report and reported to XXXX and XXXX to remove al fraudulent records in my account. They are affecting my credit report.