23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian Creditor : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Validation of Debt and Related Legal Authority Dear whom it may concern I am writing to formally request information and documentation related to an alleged, account or debt you have reported or are attempting to collect. This letter is issued, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal laws.

1. Authority to Collect Under FDCPA Please provide validation of your authority to collect this alleged debt, including but not limited to : Documentation showing your legal right to collect this debt.

Evidence that you are the owner of the debt or documentation of your authority as an agent to collect on behalf of the owner.

2. Authority to Report Under FCRA I request written evidence of your legal authority to report this alleged debt to credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). Specifically, provide : A detailed explanation of how this reporting complies with FCRA requirements. 
Documentation that verifies the accuracy of the information reported to credit bureaus. 
3. Promissory Note and Securities Compliance If there is a promissory note related to this account, and its maturity date is beyond nine months, I request that you provide documentation supporting your authority to possess or be in possession of what may be considered an unregistered security. This request is made pursuant to any applicable federal laws, including but not limited to regulations enforced by the Federal Communications Commission ( FCC ), the Internal Revenue Service ( IRS ), or any other federal authority.

4. Securitization and TILA Compliance If this account has been securitized, I request, under the Truth in Lending Act ( TILA ), that you provide the following : All documents, including pooling and servicing agreements, related to the securitization of my account. 
Any related filings with the Securities and Exchange Commission ( SEC ). 
Documentation evidencing compliance with all applicable TILA provisions regarding disclosure and transfer of the account.Please note that this is a formal request for validation and verification. Until all requested information and documentation is provided, I dispute the validity of this debt and any related reporting. Any failure to comply with these requests will be considered a violation of applicable federal law. 
As a Security Party Creditor you should have everything to provide the Original Contract and documents with it.

I expect a response within the legally 15 DAYS mandated time frame. Failure to provide the requested information will result in further legal action to enforce my rights under federal law.

Thank you for your prompt attention to this matter. I look forward to your detailed and documented response.
Product: Debt collection

XXXX was being garnished out of my checks from XXXX until XX/XX/XXXX. I sent in proof I asked an emailed on multiple occasions via email on what do I have todo on being reimbursed an still have not been given an update as when they will be putting the money back that ford motor company over garnished out of my check when I was done with debt on XXXX XXXX last payment of {$200.00} paid now Im waiting on almost {$1500.00} to be returned an havent gotten any updates on when or how it will come back to me
Product: Debt collection

I ended my contract with XXXX in XXXX 2014 and they still charged me a month 's fee even after I switched carriers and no longer had active service with XXXX. I do not owe this amount as my service was terminated.
Product: Money transfer, virtual currency, or money service

Throughout the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was receiving payments from a friends. I had allowed this friend to borrow money and he was using his XXXX XXXX, which he had linked to his Cash App to send me money directly to my Cash App as repayment for the loan. On XX/XX/2018, however, I recevied a notification that this person, whose username is " XXXX '' on Cash App filed a dispute with their XXXX XXXX and that those funds would be refunded to him. On that day, I had several payments taken out of my account and returned to him, totaling {$3100.00}. After talking to him, he claimed he had no idea what was going on. We tried to resolve it but then, on XX/XX/2018, I again received notifications claiming that more payments were disputed and were being refunded, totaling another {$1300.00}, for a sum total of {$4500.00} between the two days. After further talking to XXXX, we realized that his father, who shares the card with him filed the dispute because he did not recognize the charge on the statement. Realizing his mistake and that the payments to me were indeed valid, he reversed the dispute with his XXXX XXXX. They then sent the funds back to my Cash App account between the middle to the end of XX/XX/XXXX. All the funds had been sent back by XX/XX/XXXX. Cash App, however, did not credit my account with these funds, even after trying to contact them numerous times. They do not have telephone support so everything must be done by email, which is extremely slow and frustrating. Finally, after several months, they did credit me for the {$1300.00} that was taken on XX/XX/XXXX but have yet to return the {$3100.00} that was taken on XX/XX/XXXX. I have talked with XXXX who has confirmed that the money was indeed send to Cash App. They have even sent me a letter that was sent to Mr. XXXX, who is XXXX 's father, that confirms the reversal of the dispute. I've tried contacting Cash App several time in the past few months, but they simply no longer reply. My emails get ignored. I've even submitted the letter to them. All I ask is that the {$3100.00} that was erroneously taken from me is credited to me now that it has been send back to Cash App from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information Request for Removal or Correction Dear Experian Dispute Department, I am writing to formally dispute the inaccurate information that remains on my credit report despite previous attempts to correct it. The accounts listed below have not been updated or removed, and the inaccuracies continue to harm my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), I am requesting that these items be thoroughly investigated, verified, and removed if they can not be confirmed as accurate. 

Here are the specific accounts in question : XXXX  XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account remains inaccurate and should be corrected or removed from my credit report. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account contains errors that have not been rectified, and I request immediate correction or removal. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Company : XXXX  XXXX Auto Finance Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : The information on this account is incorrect, and I am requesting an investigation and update or removal. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Report Number XXXX XXXX Date Submitted : XX/XX/year> Issue : This account remains incorrect and should be corrected or deleted. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Report Number XXXX XXXX Date Submitted : XX/XX/year> Issue : This account is inaccurate and has not been updated despite previous disputes. 
XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Report Number : XXXX Date Submitted : XX/XX/year> Issue : This account contains errors and has not been properly corrected or removed. 
I respectfully request that Experian perform a thorough investigation into these accounts. If they can not be verified as accurate, I expect them to be deleted from my credit report in accordance with 15 U.S.C. 1681i. Additionally, I request that an updated copy of my credit report be sent to me once these errors have been addressed.

Please be advised that if this matter is not resolved within the legally mandated 30-day period, I will explore all available legal options, including seeking damages for continued violations under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 

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

I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Product: Mortgage

On XX/XX/2020, I called PHH Mortgage Corporation from the number posted on their website to postpone my mortgage payment for a few months because my husband and I are affected by the Coronavirus ( Covid19 ) lockdown in XXXX XXXX, California. My mortgage payment is current and our payments have been on time every month for over ten years. 

The representative ( XXXX ) who answered the phone stated that she could " freeze '' our mortgage payments for three months ; however, on XX/XX/2020, we will have to pay {$14000.00}. Our regular monthly payment is {$3600.00}. 

I asked the representative if there were any other solutions, and the representative said, " No. '' She didn't even ask for any financial information about our current situation. I told the representative I decline, and I did not freeze my mortgage account. 

This one solution obviously defeats the purpose of natural disaster relief during the crisis affecting the country right now. My husband who is self-employed can not work because of the " Safe at Home '' lockdown right now. 

Is there any way you can help or encourage PHH Mortgage Corporation to come up with a solution that makes sense  during this crisis? It obviously doesn't make financial sense to put our mortgage into possible foreclosure in XXXX by freezing our account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not approve these 20 or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra
Product: Debt collection

Phoenix Financial Services sent a notice dated XX/XX/XXXX, trying to collect on a debt that was incurred back in XXXX. Today XX/XX/XXXX I received a phone call from the telephone # of XXXX, still attempting to collect a debt that is 7 years old.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$7700.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a bed through the Mattress Firm under XXXXXXXX XXXX XXXX through Synchrony Bank. The Bed and frame were sold under a promotion making the first few months a very low dollar payment of {$10.00} per month. Then when the promotion ended my payment was to be increased to {$100.00} per month until the bed was paid in full. I signed up for paper billing so that I had a billing record outside of my bank account listing the transactions for this bill. In XXXX I thought my payment period for the higher payment started but when I received the bill it said it was still {$10.00}, so I paid it accordingly. When the following month came and I went to pay the bill it was well over {$680.00}!!! This made no sense to me so when I called to pay the bill and explained to them what was going on, they only partially admitted to the error. They stated they would correct it and instructed me to wait until the upcoming Tuesday to make my monthly payment so their system could process the corrections. I did so and upon doing so everything they said they were doing was reversed and they continued to tack on large fees to my monthly payment and account. I prayed it was just an error because they assured me that would resolve the situation. The next thing I know they started calling and texting me harassing me day and night, as if I hadn't been upright with my obligation to them. I called back again before I paid the bill for the month as usual and immediately requested a supervisor who was giving me the run around stating all they could do was process a ticket for review, this was not a satisfactory solution as the attacked my credit score and dropped my credit score down XXXX points behind a bill I always paid and paid on time. I then requested to speak with a manager who seemed to truly understand the issue and stated that she would make sure the ticket went through for correction I told her I felt targeted at this point and hustled and was going to file with the XXXX and my state.
Product: Checking or savings account

This is a follow-up regarding the complaint XXXX submitted on XX/XX/2017 that I opened a checking account with BBVA Compass bank and did not receive the {$200.00} bonus even though I satisfied all the requirement. 

In the response to the complaint, the bank confirmed that I have satisfied all the requirements except that " Unfortunately, during the review of your account, it was discovered that due to your Tax ID certification status, you are ineligible to receive the {$200.00} cash bonus. The California Colorado Sea of Blue Consumer Checking Offer flyer states that Any client whose tax status would require BBVA Compass to impose tax withholding of any sort will not be eligible for this bonus. '' However, the document attached clearly shown that I have certify under perjury with the bank at the time of account opening that I 'm U.S. person ( resident alien ) and not subject to an withholding. And as such, it seems that there is a mistake on BBVA Compass side in assigning wrong withholding status to me. Therefore, I should receive the {$200.00} bonus since I have satisfied all the requirement.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. Account : XXXX XXXX Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
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. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled my reports and noticed a company by the name XXXX reporting incorrect information on my credit profile. The alleged debt was sold to a company by the name of HUNTINGTON DEBT HOLDINGS LLC. The debt has two different open dates, XXXX is reporting That I opened this account XXXX while XXXX is reporting that I opened this account XXXX Because the open dates being reported by XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

Under federal law and fair reporting Act as it pertains to bankruptcy Rule 9037 states that only the birth year should be displayed, only the last four of social security number should be displayed and the consumer last name is shown, so how is this information being verified if that's the only data the bankruptcy court provide, this is violation of my consumer rights .and it was already removed from XXXX XXXX XXXX. U.S.code 1666 b states i have the right to privacy and accuracy
Product: Credit card

On XX/XX/year>, when I was reviewing the transactions of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I discovered BMO Bank N.A . unilaterally cancelled my credit card without my prior knowledge, and without any reason provided other than BMO was entitled to close my account. BMO Bank N.A . acquired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX before my review. 

By the closing of my credit card, I owe BMO {$8.00} credit card debt. BMO owes me {$7.00} credit card rewards. Any reasonable person would agree that the rewards would be able to be redeemed by me upon the conclusion of the relationship between BMO and I, and given it was BMO 's decision to end the relationship. But BMO forbids me from redeeming my rewards, while demands me to repay my debt. In other words, BMO refuses to pay its debt owed to me, but demands me to pays my debt owed to it. 

BMO is a XXXX XXXX. 

At least XXXX other American consumers have reached out to me on XXXX complaining about the same experience.
Product: Money transfer, virtual currency, or money service

Advance America, Cash Advance Centers XXXX XXXX XXXX XXXX On XX/XX/XXXX, 2023they experience temporary systems outage affecting their cooperate network. Became aware of the incident and immediately launched a investigation. Third- party cyber security experts further investigate what happened and determine that an unauthorized actor accessed or acquire certain business record on the company network. They also reported to law enforcement. I XXXX XXXX Also file a police report on this issue XXXX XXXX when I became Aware of this information. The business discover the review show the individuals whose information was contained in the record review and determine my information was included in the records includes my social security and drivers license or state ID number
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX Account # XXXX with the balance of {$4800.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my US Bank line of credit account by a settlement amount offered to me by US Bank on XX/XX/2023 in the amount of {$240.00}. it was paid in time with the time limit they offered me. Payment was made through XXXX XXXX XXXX XXXX. I received a letter in the mail from XXXX saying my account was paid and resolved and I still have a copy of the letter. On my credit report the account shows being paid and closed. My credit score has not been updated and when I dispute this with the XXXX XXXX, they say the information they have is accurate and that's not correct. I have disputed this XXXX times now and get the same answer.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Unauthorized Inquiries Hi, I noticed some unauthorized inquiries on my credit report and, in accordance with the Fair Credit Reporting Act ( FCRA ), I request that they be removed immediately. 

The inquiries in question are : 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent, and as such, they are not valid. Under the FCRA, only authorized inquiries with my explicit permission should appear on my credit report. 

Please investigate and remove these unauthorized inquiries from my credit report promptly. Additionally, I request that you provide me with written confirmation once these inquiries have been removed. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX