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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$880.00}
Product: Credit reporting or other personal consumer reports

Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE REMOVAL OF UNVERIFIED DEBT To Whom It May Concern, This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding the fraudulent and inaccurate debt you have reported on my credit file. You are currently reporting a debt under my name that I DO NOT recognize, and I demand immediate validation or full deletion from my credit report. 

VIOLATIONS YOU HAVE COMMITTED Upon reviewing my records, I have identified multiple violations of federal laws that you have committed, including but not limited to : 1. Failure to Validate the Debt Under 15 U.S. Code 1692g, you are required to provide a full breakdown of the debt, including the original creditor, account details, and proof that you have the legal right to collect this debt. You have failed to do so. 
2. Reporting Inaccurate or Unverified Information You have violated the FCRA by reporting a debt that you have not validated as accurate. This constitutes a willful attempt to damage my creditworthiness.

3. Harassment or Unfair Collection Practices If you have called, sent misleading letters, or attempted to collect without validation, you are in direct violation of FDCPA regulations.

4. Failing to Remove a Disputed Debt If you continue to report this unverifiable debt to credit bureaus without proper proof, you are engaging in unlawful reporting practices, and I will take legal action.

DEMAND FOR IMMEDIATE ACTION You now have five ( 5 ) business days from the receipt of this letter to take the following corrective actions : 1. IMMEDIATELY REMOVE this debt from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
2. Provide FULL validation of this debt, including the original contract with my signature proving I owe this amount. 
3. Cease all collection activity, including phone calls and written demands, until this debt is fully validated. 

CONSEQUENCES OF NON-COMPLIANCE If you fail to comply with my demands within five ( 5 ) business days, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
Report your violations to all three credit bureaus and demand removal based on FCRA guidelines. 
Pursue legal action against Zion Debt Holding for FDCPA and FCRA violations, seeking statutory damages and attorney fees. 

I suggest you take this matter seriously and act immediately. Failure to comply will result in legal consequences. 

This letter serves as formal notice under federal law. Any further attempts to collect an unverified or fraudulent debt will be considered willful noncompliance and harassment. 

Send all responses via certified mail to the address above.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. 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 an 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 moreover 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

This complain is to Cash app formerly known as Square cash. On XX/XX/XXXX I went to the XXXX XXXX XXXX XXXX Michigan tried to get back my money from Cash app of {$300.00} because that time she was no longer had cash app. I made a claim through my branch and they recommended to call cash app but I ended up on person who was acting cash app representative on phone instead of debited back my money he did transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00}, and {$250.00} to XXXX XXXX. Immediately I called XXXX XXXX same day to tell them those were invalid transaction and its is fraud so do not release those transaction, but the bank still released those transaction on XX/XX/XXXX. I made another claim to the bank and I was be able to get those transaction back. On XX/XX/XXXX I received a letter from the bank stated the are going to debited back those transactions because Cash app said were valid transactions which was never been valid transactions. I made another claim but still bank keep denying because Cash app keep telling them those were valid transaction. I did report this matter to XXXX XXXX Michigan and they are working on it. I will submit all documents if required Thanks.
Product: Credit card or prepaid card

In good faith, I paid my minimum payment online. I even called customer service to expedite the payment to ensure payment would process successfully and on time. The customer service woman told me there was nothing they could do, but that my payment would process by midnight. I have other bills pending and the payment she said would process by midnight did not. 

Upon capital ones efforts of processing this payment it declined due to my other bills conflicting with this one. If it would have processed by midnight like it was supposed to, I would have been able to make a successful payment and not incurred any late fees. I believe capital one does this on purpose in hopes of people defaulting, such as I DID, in hopes of generating late fees. This has happened to me multiple times and it's not right. XXXX XXXX did this and Capital one is no different.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had my information breached, Due to An bitter ex girlfriend, she has applied for numerous loans and placed massive amounts of hArd and soft inquiries on my credit reports, right when I had a grip on my negative credits markings she has applied to the point my XXXX XXXX XXXX XXXX. Was unable to offer me any credit .. I have XXXX debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened through identity theft prior to me being of legal age. My ex step father opened this account I believe ; however not certain. I didn't find out this account existed until my XXXX birthday. I have tried on several occasions to have it removed by XXXX XXXX. Each time they claim it is a valid debt although I clearly was a minor.
Product: Debt collection

XXXX is typical of the type of people these businesss hire sadly there has to be someone to fit these roles!!! This is a law firm who buys debt and then collects on it - its predatory, human-less and greedy!! Not sure what else they may do there but any one seeking legal advice stay away!! There are plenty of other attorneys out there that have no part in these practices ... they garnished my pay for a debt from 2008!!! Was told you paid it then stopped why???! What??? I dont remember obviously life happened! I have divorced and remarried since then seriously!!! I asked to settle the debt in full that day for a fair portion of the remaining balance -even though i had no recollection of this and I must have thought it was paid obviously so long ago who knows!!! I was denied the request!! I will also be going out to the XXXX XXXX XXXX and The Consumer Financial Protection Bureau etc ... Debt was for {$810.00} he garnished my pay {$200.00} - leaving {$610.00} remaining!! I was not served or received any notification of this supposed debt which is very very old!!! XXXX eluded to adding more money to be collected from this supposed court ordered garnishment! How is that even possible?!!! He works under an attorney supposedly but the garnishment came through as XXXX XXXX XXXX
Product: Checking or savings account

Midfirst Bank came to my orientation at XXXX university. They offered a {$100.00} bonus if you open a bank account with them that day. I spoke with them after the presentation and gave the guy my application. He stated he would come back in a few hours to help me make my initial deposit and get me my bank card. The representative never returned and I had to go days later into the bank at XXXX to speak with the manager about why my application was not processed. He apologized several times and said he would make it right. He helped me get my card and stated I would receive more information via email or mail and I never did. I setup direct deposit and waited. They told me I would get the {$100.00} a week after and it never came. The lady on the phone said I would get the bonus, I would just need to wait 4 weeks. I waited and still no bonus. I called today and they are refusing to give me the bonus. I advised the manager when I went in to the office I told them I would NOT open this account if I could no longer get this bonus. He clarified several times he would take care of me and not to worry. 

I called today and spoke with someone at the branch, he said he spoke to the manager and he said he would not honor it. I advised again he promised me when I went into the branch originally I would get the {$100.00} bonus that was advertised at the orientation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX, account number : # XXXX, has violated my rights. 
Account Number : # XXXX Account Name : XXXX XXXX XXXX  15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A 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 any purpose.
Product: Credit reporting or other personal consumer reports

All these accounts that do not have information that I do not know and are in my report I do not want them, I have reported them many times 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: Mortgage

Dear sir/madam, XX/XX/2021 We are seeking your assistance in resolving our mortgage account. 

XXXX XXXX  account # XXXX AmeriHome Mortgage account # XXXX We have had numerous conversations with the current and previous servicer of our mortgage account with absolutely NO success in getting them to correct our account. 
The original loan was closed with XXXX XXXX XXXX  on XXXX. We borrowed {$340000.00} for 30 years at 2.375 %. At closing we prepaid interest so our first payment was not due until XXXX. 
On XXXX, XXXX XXXX XXXX  sent us a goodbye letter stating the assigning the servicing rights to AmeriHome Mortgage Company , LLC. In this letter, they advised us the first payment was to be made on XXXX to them. 
On XXXX, we mailed a payment of {$1800.00} ( {$1300.00} P & I, {$220.00} for XXXX XXXX XXXX and an additional {$250.00} towards principal ) to XXXX XXXX XXXX. 
Just after mailing this payment we received a welcome letter from AmeriHome Mortgage ( although this letter was dated XXXX we did not receive until after the payment was sent to XXXX XXXX ). This letter states the XXXX payment was to be sent to them ( we assumed XXXX would forward our payment, if necessary ). 
Now we are getting dunning notices, threats and calls from AmeriHome Mortgage for the XXXX payment. 
We called XXXX XXXX  and asked about the XXXX payment they claim that it is theirs and that they forwarded the additional principal payment. ( What about the T & I amount? ) So, we now have XXXX XXXX claiming the XXXX payment and AmeriHome dunning us for the XXXX payment. 
We have had numerous contacts with both mortgage companies with NO SUCCESS in resolving this issue. 
We are now seeking your assistance in getting a full accounting of our mortgage ( including the escrow account ). Also, we are asking that all derogatory credit reporting be rectified and any late fees be waived. 
Prior to this situation we had excellent credit ( 800+ credit score ) and have always set up auto-payment arrangements for recurring accounts. 
Please help us rectify this mortgage mess. 

PS : our XXXX payment was mailed to AmeriHome Mortgage on XXXX in the amount of {$1800.00} ( again, {$1300.00} XXXX XXXX XXXX, {$220.00} foXXXX XXXX XXXX XXXX  and an additional {$250.00} towards principal ) Thank you in advance for any assistance you can render. 

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

Dispute of Inaccurate Charge-Off Information -Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX According to the law US code 1692g the debt collector must send a written notice to the consumer within 5 days of first contacting them about a debt. They never contact me about this debt.

Also, a notice must include the amount of the debt, the name of the creditor and a statement that the debt will be assumed valid if the consumer doesn't dispute it in 30 days. I never received any documentation on this account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX Bank obtained my credit report from Experian by a hard inquiry. The inquiry is recorded on Experian as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. During the visit to XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX banker mentioned that a credit card XXXX be available for me. I did not authorize XXXX XXXX to obtain my credit report from Experian resulting in a hard inquiry to my Experian credit report. 

I request that XXXX XXXX report to Experian that the hard inquiry on my credit report was made in error, that this hard inquiry on XX/XX/year> be removed from my Experian credit report.
Product: Credit card

A fraudulent charge was made to our credit card. Once we noticed the charge, we canceled the card, notified the credit card company ( Chase ) of the problem and filed a police report with our local police department. We sent in requested documentation to the credit card company, including a response when they provided additional documentation they received from the vendor ( XXXX ) where the purchase had been made. We got a letter back stating that since we did not respond, they determined that the charges were valid. At that point, we called back, said that we HAD responded and that the charges were NOT valid and resent the faxed documents. Heard nothing. Called back a month or so later to see what the status was and they said that they had closed the inquiry again. We said we still contested the charges and wanted them to follow up. They still have not responded. It feels like they are just trying to make it difficult enough dealing with them that we give up and just accept the charges. It 's been over a year since we started the contestation process and it is still not resolved.
Product: Credit reporting

Equfix Took it off the Added Back to the Report! Please Remove This
Product: Mortgage

On XX/XX/XXXX, I requested information from Freedom Mortgage regarding the criteria and information needed to cancel the escrow account on my mortgage. I recently had a XXXX to remove PMI that put the XXXX of the loan below 80 %. When I received the requested information from their Customer Care representatives, multiple times I was told that the XXXX of my loan was now below 80 %, that I met all criteria to cancel escrow on my account, and multiple reps confirmed that if I requested removal of escrow, it would be successful. 

I then spent significant time gathering the requested information and completing the forms to request cancellation of escrow based on the information provided to me by Freedom Mortgage representatives and submitted the request in XX/XX/XXXX. 

On XX/XX/XXXX, I received a document in the mail stating that my request was denied due to XXXX of the loan not meeting the required 80 %. I called the Customer Care center again and was transferred between multiple representatives who did not know how to help before I finally reached a representative who informed me that the XXXX could not be used for consideration of XXXX for removing escrow and that they would only use the purchase price for XXXX calculation. This directly contradicted the information provided to me by multiple representatives on previous calls and led to significant wasted time by me calling in, waiting on hold, and filling out forms all based on incorrect information provided to me by Freedom Mortgage.
Product: Credit card or prepaid card

I applied Citibusiness AAdvantage platinum select card in XX/XX/XXXX, with the promotional offer of getting XXXX miles after spending {$5000.00} in 5 months. The terms and conditions are very clear is that " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a CitiBusiness / AAdvantage Platinum Select account in the past 48 months ''. I am aware of it and I never own a citiBusiness AAdvantage card before. 

Citi denied the offer without any notification and I only find out in XXXX after I spend {$5000.00} and did not get the welcome bonus. I called Citi 4 times each time spending over 40 minutes explaining to them the situation. Each time the agents relay my request to their rewards department but refuse to provide any direct form of communication. The rewards department interpret the rule as " Your business received a new account bonus on XX/XX/XXXX on account ending in XXXX '' thus disqualifying you. However the card ending in XXXX belongs to another employee in the business and has nothing to do with me. I have no control over other people in the business and disqualifying my promotional offer because other people in the business applied the card before is unfair. At the very least, if that is the rule, it should be clearly communicated in the terms and conditions in the application page that the promotional offer is not available if the " business '' ( not " you '' ) has received new account bonus in past 48 months.
Product: Mortgage

My Loan was transferred from Specialized Loan Servicing ( SLS ) to WSFS Bank to start payment in the month of XXXX. My wife and I are co-borrowers on the loan so we each pay half. I make XXXX payments for my half of the mortgage. {$140.00} every XXXX weeks then my wife also pays her half of {$280.00} once a month. I mistakenly sent the old servicer ( SLS ) {$140.00} on XX/XX/XXXX for a portion of the XXXX payment. They no longer serviced the loan at at that time so they sent the payment to WSFS Bank to be applied to my XXXX payment. That payment was never applied. I made XXXX other payments of {$140.00} to WSFS Bank on XX/XX/XXXX and XX/XX/XXXX in order to pay my XXXX balance. I called XXXX to see if they sent the payment and they sent it to WSFS on XX/XX/XXXX ( See Attached Payment log ). WSFS is showing no record of it and said that they would research it. That was on XX/XX/XXXX when someone called me to let me know my payment was late. They then stated they would research it again on XX/XX/XXXX when I called to ask about the payment. 
They Payments has still not been applied to my loan and I don't know where it is
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists accounts along with the account numbers, 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. These accounts have resulted in several fraudulent inquiries and fraudulent collections and charged off accounts on my consumer credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following concerning the individual about whom the report relates. 

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

Please see attached letters for detailed breakdown down of complaint. Anytime a charge off is reported it is now becomes income. Therefore it should not be reported on my consumer report. 15 USC 1681e-b Compliance and procedure states that the reporting company must maximum accuracy when reporting.
Product: Credit card

Subject : Dispute of Charged-Off Account and Missing 1099-C Form Dear Discover Bank, I am writing to dispute the information reported regarding my account, the " charged off '' status that has been indicated. According to IRS guidelines, when a debt is charged off, the creditor is required to issue a Form 1099-C, Cancellation of Debt. 
As of today, I have not received the 1099-C form for this account, and I believe this constitutes a failure on your part to meet IRS reporting requirements. I am requesting that you either : 1. Provide me with the 1099-C form for the canceled debt, or 2. Remove the charged-off status from my account entirely if no 1099-C is issued. 

If this matter is not resolved promptly, I will have no choice but to contact the IRS and report this as potential fraud and noncompliance with federal tax laws. I expect to hear from you within 30 days to confirm either the issuance of the 1099-C or the removal of the charged-off notation. 
Please treat this matter with the urgency it deserves. 

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

I have a Bank of America Credit Card showing on all of my credit bureaus that I never Had. 
It shows Charge OFF. 

I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. 

Thank You.