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

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

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

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

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment updated from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX  XXXX XXXX Open Date XX/XX/2021 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

A credit card that was fraudulently opened in my name back in XXXX has reappeared on my credit report. This charged off card has been removed since XXXX of XXXX and has appeared back almost XXXX months later. This card is not my responsibility and i would like for it to stop showing on my XXXX report via Experian and XXXX XXXX. i called XXXX trying to remove it and it is not visible on their end.
Product: Student loan

Never Late & Inaccurate Reporting. 

Never Late on ANY loans with the following lender.

Inaccurate reporting, as the information being reported is not up-to-date and misrepresents the credit history. Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " 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: Mortgage

Applied for a refinance, XXXX thru the process of closing, receive a call and a email stating the loan has been cancelled. This happened several weeks before the rate lock expire date on the loan estimate. Been given several different reasons why, but none pertain to my actual situation. They refuse to move forward and refuse to refund any of my cost, such as appraised cost etc. They either do n't return phone calls or delay and then send emails, they have not returned a single phone call as promised since this began. Send paperwork saying they sent other paperwork for denial reasons and have n't. Send paperwork that has incomplete dates on it. Yesterday they changed their reasoning for my denial again and said it was further explained on paperwork they sent, I have not received this paperwork as today. Have been very patient, but feel I am now getting the run around and ca n't figure out why.
Product: Checking or savings account

I use XXXX everyday for friends and family that need to pay me back, m & t bank has froze my account and took {$2400.00} from my account, i read m & t bank XXXX terms and conditions they do not do refunds/chargebacks for the other party. I already filled a cfpb consumer complaint, m & t bank responded M & t bank did not respond to my needs, i read this with my attorney the one who actually recommended i file a complaint with cfpb.We both agreed M & t bank completely talked about another topic.M & t bank responded and talked about the restraint on my account and never talked about the XXXX transactions they refunded without my permission or notifying me or refunding the money they took from me from there mistake, i use XXXX for strictly family and friends, i called XXXX, XXXX told me they do not do refunds or chargebacks.I will continue until i get those funds refunded, taking advice from my attorney, were both going to take this very serious.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2022 and 60 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit card or prepaid card

I sent a check for payment on my account by mail. The check was from XXXX XXXX XXXX  XXXX, XXXX. Check number XXXX for {$12000.00} The check also had our names- XXXX XXXX and XXXX XXXX XXXX on it. The check posted on XX/XX/2022, it cleared the bank on XX/XX/2022. It has not been credited to my account. I am still being charged interest on that amount and now late fees. I called twice last week to get this resolved, and again today.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX ) ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX/XXXX  XXXX. The details across TransUnion and Experian reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : TransUnion : The account is inaccurately marked as " Collection account '' with an " Indeterminate '' status. However, the balance is reported as {$0.00}, and no payments have been missed. 

I request a thorough investigation and the removal of the " Collection account '' status if it can not be verified with valid documentation. 

Experian : The account inaccurately reflects multiple late payments, including XXXX  late ( XXXX  days ), XXXX  late ( XXXX  days ), and XXXX  late ( XXXX  days ).

The status " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' contradicts the fact that the account balance is {$0.00} and has been transferred to another lender. 

I request a full investigation and correction or removal of all inaccurate late payment notations and account status. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed.
Product: Mortgage

We were the potential buyers for a XXXX at XXXX XXXX XXXX. We have been mislead and deceived to believe that we would receive a commitment letter from a specific broker, XXXX XXXX, at NJ 's Millenium Home Mortgage - NMLS ID # XXXX. This led to us breaching our contract due to the time limitation on when we had to receive the commitment letter. On multiple occasions, reassurances were given that the process would be adjusted and the letter would come. Emails document these events. Most notably, the day we were told we would get the letter and that the lender approved our loan, XXXX calls to ask for a credit score. That was the final event that led to this complaint.
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have successfully disputed a debt for {$200.00} that originated from  XXXX  but is being sold over and over again to collection agencies that resubmit it on my report. I successfully disputed it twice with  XXXX , once with  XXXX  and am in the process of disputing for a second time with  XXXX . The original debt was for internet service at my home at  XXXX   XXXX   XXXX  in  XXXX , Tennessee. This account was closed prior to selling our home in  XXXX   2013 . The home was vacant until  XXXX  of that year. No service was consumed, the account had been closed but  XXXX  was continuing to bill me without my knowledge. I am attaching a copy of the HUD statement to show when I sold the house.  XXXX , nor any collection agency has been able to prove any service consumed at that location or any records to indicate that I had not closed my account.
Product: Student loan

I have a student loan with American Education Services. This is not who I originally received my monies through, but my loan was sold to them. For the past almost eight years I have been making biweekly payments to lower my balance and in turn keep the amount of interest down. The amount still owed after all this time is still more than what was originally borrowed!!! How can this be??? I was in banking/loans for 15 years!! What they tell me is bull on a cracker!! They are in the business to rip people off!! Look at the reviews on line. You can not get a straight answer from anyone!! This is terrible and should not be allowed!
Product: Student loan

There are multiple accounts from XXXX XXXX XXXX/ and other school loans that are showing delinquent. All student loans are current and combined into new rehabilitated loans that are current. I had contacted the loan providers to remove due to the current status and they denied compliance with my request. The negative loans still show on the various reporting agency reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX when the pandemic shutdown was announced I notified my mortgage company Select Portfolio Serving Inc that I had concerns about paying my mortgage because being self employed, my client ( a prom attire store ) knew his business would collapse for the XXXX season. I was advised that I would not have to make mortgage payments for the months for XXXX. I did not make those payments and SPS reported to all credit bureaus my account as current for those three months. 

For XXXX as the pandemic continued, I continued my contact with SPS and I was repeatedly told that I did not have to make payments. However for XXXX SPS reported my account to all three credit bureaus as " Unknown. '' For XXXX I entered into a modified agreement paying {$290.00} per month. I was advised by SPS that had I to make all the payments by the 1st of the month, if not, my home would be turned over for foreclosure. I made all 4 payments on time yet SPS reported " Unknown '' to all the credit bureaus for those 4 months. 

SPS notified me that I needed to enter into another modified agreement for the months of XXXX to pay {$850.00} per month with the same conditions of timely payments. Again, I made all four payments on time but this time SPS reported to the credit bureaus XXXX & XXXX as *Current*, XXXX & XXXX as *Unknown* I entered into the final modification in XX/XX/XXXX. I have made all payments on time and XXXX has been reported as current. 

I have now contacted SPS on 2 separate occasions about the inconsistent reporting of my account to all current bureaus but to no avail. Both of my letters were successfully uploaded to their website. I have contacted SPS last month to request an old tax document. SPS was timely in their response ; however, they refuse to address the inaccurate reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove incorrect information from my consumer reports
Product: Checking or savings account

Fulton Bank NA received a transaction from me for {$48.00}, I used my debit card at a restaurant. they received the debit and posted it to my account on XX/XX/year> but they are leaving the hold of {$48.00} in place until XX/XX/year> Basically they are holding my funds to that I can not use them. 

I can not get them to return a call, or for that matter even pick up the phone. they customer service number seems permanently way way backed up. 

This is a basic system issue that Fulton Bank seems unable or unwilling to correct. 

From now until I pick a new bank, I will need to pull cash out of the bank and never use my debit card as it seems the system Fulton Bank is using is completely broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX,XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX,XXXX XXXX XXXX XXXX,XXXX XXXX,XXXX XXXX XXXX,XXXX  and XXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I am filing this complaint against Discover bank on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I submitted a validation of debt letter asking Discover to provide the following information within ten ( 10 ) days : 1 ) The identity of the original creditor, 2 ) Verification of their claim against me ( a sworn affidavit or a hand signed invoice ), 3 ) Copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and Discover Bank, that prove I agreed to pay the alleged amount, and 4 ) Validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing, so as to not cause anymore damage. I also asked for a certified mail copy of such be provided to me for my records. As of XX/XX/XXXX, it has been 14 days since Discover has received this mail, and I have not heard or received anything back besides the certified mail receipt that shows they got my packet. I made copies of what I sent Discover via certified mail and have attached it to this complaint along with the certified mail receipt that shows Discover has received it.
Product: Credit reporting or other personal consumer reports

I request ALL information that is not consistent with All reporting agencies be removed and that any information shared without my consent ( i.e. child support agency is not a loan agency and never received any written consent from me.My right to privacy has been violated, therefore by law this and all inaccurate information MUST be removed immediately. My account has been hacked and there are multiple discrepancies and inaccurate information regarding paid off, closed accounts. This has been negatively impacting my credit for years and I request that ALL prior inaccurate information be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX Balance {$2500.00} Opened XXXX. XXXX, XXXX XXXX Balance {$0.00} Opened XXXX XXXX, XXXX I HAVE CONTACTED TRANSUNION, EQUIFAX AND EXPERIAN ALONG WITH THE CREDITOR ABOUT THESE FRAUDULENT ACCOUNTS I HAVE FILLED OUT PAPERWORK SENT IN FTC REPORTS AND POLICE REPORT CALLED MANY OF TIMES ASKING FOR THEM TO STOP REPORTING THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THEY HAVE REMOVED THESE ITEMS THEN REPLACE THEM BACK ON MY CREDIT REPORT THEY TELL ME THEY HAVENT GOT A CFPB COMPLATE FROM SINCE XXXX WHICH IS A LIE... UNDER LAW 605 B DONT TURN MY DISPUTE IN NO 30DAY DISPUTE TURN IT IN TO A 4 DAY THESE ITEMS NEED TO BE BLOCKED AND REMOVED FROM CREDIT
Product: Debt collection

I am XXXX XXXX submitting this complaint against CREDIT COLLECTION SERVICE and their is no third party involved. 

This company has violated my rights under the Privacy Act of XXXX. I HAVE A RIGHT TO PRIVACY, according to 5 U.S.C. 552a.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed fraudulent items on my credit report. I sent the letters and supporting documents and have not received an appropriate remedy for my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian, XXXX and XXXX about an account that is deemed ( fraudulent, inaccurate and or unverified ). The account ( XXXX XXXX ) was initially removed from all three bureaus however Experian and XXXX have reposted the account to my reports. I have submitted all of the necessary documents to have the account removed. Experian and XXXX are continuing to report an account that is not legally verified.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information.

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to Equifax, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. Equifax and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. Ive been trying to dispute this collection off my report for almost two years now. Im not sure why its still there. I was not living at that address so that bill does not belong to me. Ive never lived there. This hard inquiry is affecting my credit report and score and affecting with my overall life. These credit bureaus are using and stealing my information and its AGAINST the LAW for them to be having damages on my credit report under 15 USC 1681. I demand this be removed. Thankyou
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Credit reporting or other personal consumer reports

The following accounts listed are not mine and are unauthorized Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit profile and there were several inquiries I did not recognize : XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXXXXXX  Equifax XXXX - XX/XX/XXXXXXXX  Equifax