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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Debt Validation Request Dear XXXX XXXX, I am writing to formally request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of this alleged debt. 

Please provide the following documentation to substantiate the validity and accuracy of this debt : 1. Proof of Debt Ownership : Verification that you are legally entitled to collect on this debt, including any documentation that shows how you acquired the debt from the original creditor or other third parties.

2. Detailed Accounting of Debt : An itemized breakdown of the debt, including the original amount, any fees or interest accrued, and the exact balance due as of today.

3. Original Contract or Agreement : A copy of the original contract or agreement signed by me that establishes my obligation to repay this debt.

4. Full Identification of the Original Creditor : The full name, address, and contact information of the original creditor.

5. Verification of Legal Authority : Proof that your agency is licensed or authorized to collect debts in my state of Florida. 

If this debt can not be fully validated as outlined above, I request that you cease collection activities immediately and remove any negative reporting associated with this debt from my credit report, as required by law. 

Additionally, I am submitting a copy of this request to the Consumer Financial Protection Bureau ( CFPB ) for review and documentation. 

Thank you for your attention to this matter. I look forward to your response within the 30-day period outlined by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have XXXX business and XXXX personal accounts with PNC. I received a letter from PNC that they are closing all XXXX accounts effective XX/XX/XXXX. All accounts have always been in good standing. PNC has provided no explanation for their action despite repeated phone calls to PNC asking for information. PNC has ignored my calls. These closures will have a significant and costly effect on my business. One of the accounts is a home equity line of credit which has always been in good standing. The closure of this account is a violation of the loan covenants. PNC has probably illegally violated my rights. 

I request an urgent response.
Product: Checking or savings account

XX/XX/2022 Charged {$12.00} for Service Fee XX/XX/2022 I was negative - {$5.00} due to the service fee XX/XX/2022 Transferred {$2100.00} into the account to cover a {$2100.00} check XX/XX/2022 {$2100.00} Check Posted XX/XX/2022 Bank charged me a {$36.00} overdraft fee. This overdraft occurred due to the {$5.00} remaining from the unpaid service fee. 

I spoke to the bank to have it removed since the overdraft is a result of {$5.00} that I was negative from the service fee. They said I had an overdraft fee removed in XX/XX/2022 and they could only remove one overdraft in an 18-month period. Please help Truist has been charging service fees excessively since they merged BB & T and Suntrust.
Product: Credit reporting or other personal consumer reports

XXXXDHI MORTGAGE Inquiry : XXXX XXXX, XXXX  Company made multiple inquiries on my credit reports ( XXXX, XXXX and XXXX ) without my consent or due error. I request they be removed from my credit reports. since they significantly affect my credit.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

This is not my account. I am on my parents account for cell phone service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims.

I have disputed and disputed these 3 accounts with both XXXX and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. Comenity / XXXX XXXX XXXX. Comenity / XXXX  3. XXXX XXXX XXXX THESE ARE NOT MY ACCOUNTS I have been told by Comenity for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, Comenity continues to report these to XXXX. I have sent all of this documentation to XXXX and to Comenity multiple times.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelle handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings that Zelle has not only neglected to protect but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and rises serious concerns about consumers safety.
Product: Vehicle loan or lease

Credit acceptance was hiding auto loans and cost behind their deceptive marketing and advertising committed fraud not disclosing information in their lease agreement leaving consumer under duress. Now the consumer has asked them to validate the debt and they have not. I want them removed off my credit report. And also consumer pray to be grant rescission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX reported a hard inquiry to my Transunion credit report, it showed on my report XX/XX/2022. I called XXXX XXXX XXXX and they could not pulled up any information showing I had an account with them or applied for credit nor could they offer a way to stop reporting it. Next I called Transunion to inform them that I do not have an account and never applied for credit with that company, and they were of no assistance and told me to file a complaint.
Product: Credit card

XXXX XXXX, XXXX charged me a total of {$4800.00}. This company charged my card and failed to provide any services. Since charging me they have not even called me back. I actually tried to call them on multiple occasions and they never returned the phone calls. I received absolutely no services from this company and want my funds returned back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names and unrecognizable addresses. I sent a communication on XX/XX/22 to Equifax with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are XXXX. XXXX XXXX. XXXX. The addresses are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Phone numbers are XXXX. XXXX XXXX. XXXX. This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting stuff that I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX and equifax have not included an open account lowes XXXX XXXX XXXX credit card XXXX XXXX bank ) that was opened this year, this account is open, paid on time and now has a XXXX credit balance, pls have them to include this open acct
Product: Mortgage

CrossCountry Mortgage is the most incompetent company I've ever had the displeasure of doing business with in my XXXX years on planet Earth. I refinanced my mortgage with them in XX/XX/XXXX. At closing, 2 escrow line items in the closing costs were 2 property tax bills due XX/XX/XXXX, one for ~ {$750.00} and another for ~ {$3300.00}. In late XXXX I received notification via mail that neither of these property tax bills had been paid. I logged onto my online account and checked the escrow section. Sure enough, whoever at CrossCountry populated my future tax payments due had completely skipped the payments due in XXXX and started with tax payment due in XXXX. On XX/XX/XXXX I called CrossCountry 's " service '' center to report the issue and was advised to scan the property tax bills and email them in, which I did, plus I provided a detailed description of how my property tax payments work as well as a copy of the escrow statement from my prior mortgage provider. The next day the ~ {$750.00} property tax bill was paid. However, the ~ {$3300.00} property tax bill was not. That is also the day my story begins of countless phone calls to the " service '' center, most of them resulting with me explaining my issue, being put on music hold for 10-15 minutes to wait for a supervisor, and eventually being either disconnected or dumped off to an automated survey. I was able to garner some information from these dozens of calls. I am aware that at least 2 " cases '' were opened for my account and subsequently closed without my property tax bill being paid. On 3 separate occasions I was given specific dates by which my outstanding property tax bill would be paid. All 3 dates passed without my property tax bill being paid. I've emailed the property tax bill for ~ {$3300.00} due XX/XX/XXXX to the service center 3 times now. I've emailed the delinquency notice I received from my town to the service center twice. I mailed a complaint letter to CrossCountry on XX/XX/XXXX with supporting documents, including the tax bill and the delinquency notice. At this point there is close to {$6000.00} sitting in the escrow account, my property taxes for ~ {$3300.00} are a month and a half late, I've received a delinquency notice telling me I owe an extra ~ {$50.00} in interest, and I'm about to lose my mind. No amount of money I saved on my monthly mortgage payment is worth this level of frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I paid both my student loans in full XX/XX/year>. Ishould have no balance, and the balance has not been updated yet.
Product: Debt collection

Northstar Location services LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted my phone on a XX/XX/2017 and a voice mail. I listened to the message. 20 minutes later I called my father in XXXX, XXXX hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.
Product: Credit reporting or other personal consumer reports

UNKNOWN INQUIRIY FROM XXXX XXXX XXXX. ON XX/XX/XXXX UNKNOWN INQUIRIY FROM XXXX XXXX XXXXXXXX ON XX/XX/XXXX I NEVER APPLIED FOR CREDIT WITH THESE COMPANIES LAST XXXX OF SS XXXX
Product: Debt collection

Every 5 seconds or so, some one is being victimized, and unfortunately for me I've obviously been a victim cause there's things on my credit report inwhich I absolutely have no knowledge of, and today I'm attempting to remove these collections off of my report. As written in The FCRA, if the accuser and/ or reporting agency can not provide physical proof of the accused account then such accounts shall be deleted immediately. The dates in question are as following, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX, XXXX XXXX XXXXOpened XXXX, XXXX XXXX XXXX Opened XXXX, XXXX XXXX XXXX Opened XXXX, XXXX on XXXX XXXX, XXXX AND INQUIRIES BE BLOCKED AND DELETED BY EQUIFAX,
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against BMW Financial Services regarding the inaccurate reporting of my account status to credit reporting agencies. Despite adhering to the provisions and protections offered under the XXXXARES Act, BMW Financial Services has reported my account as " payment past due, '' which has negatively impacted my credit score and overall credit history. 

In XX/XX/, I experienced financial hardship due to the COVID-19 pandemic. Aware of the provisions under the CARES Act, I reached out to BMW Financial Services to discuss accommodations for my account. We agreed upon a payment that was not late. 

To further clarify, I have ensured that all my payments were made on time. If there is any report of a late payment, it is erroneous and possibly due to a technical or administrative error on BMW Financial Services ' part. This is deeply concerning as it not only misrepresents my financial responsibility but also unjustly tarnishes my credit history. 

Under Section 4021 of the CARES Act, if a creditor makes an accommodation to a borrower because of the pandemic and the borrower meets the terms of that accommodation, the creditor is required to report the account as current to the credit reporting agencies. However, despite meeting the terms of our agreement and ensuring timely payments, BMW Financial Services has reported my account as " payment past due. '' Furthermore, under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request a timely investigation. The inaccurate reporting by BMW Financial Services not only violates the CARES Act but also my rights under the FCRA. 

This inaccurate reporting has caused undue stress and potential financial harm. The negative mark on my credit report could hinder my ability to secure credit or loans in the future, and it is unjust given that I acted in good faith, adhered to the terms of our agreement, and ensured all payments were made on time. 

I kindly request the following actions : BMW Financial Services should correct the inaccurate reporting immediately and ensure my account is reported as " current '' to all credit reporting agencies. 
I would like a written confirmation from BMW Financial Services acknowledging the error and detailing the corrective actions taken. 
Any negative impact on my credit score due to this inaccurate reporting should be rectified. 
In accordance with 15 U.S. Code 1681i, I request a thorough investigation into this matter to ensure the accuracy of my credit report. 
I trust that the CFPB will take this complaint seriously and ensure that BMW Financial Services adheres to the provisions of both the CARES Act and the FCRA. Consumers like myself rely on the protections offered by such legislation, especially during unprecedented times like these. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

On XXXX XXXX XXXX I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that verify and send me proof of verification of the derogatory items on my credit file per the FCRA section 609 ( a ) ( 1 ) ( A ) they failed to do so and continue to report the negative items on my credit file. They are breaking the Federal Laws.
Product: Credit reporting or other personal consumer reports

Kindly delete this unauthorized account from my credit file, as it is not related to me. I also request an investigation to resolve any other discrepancies.
Product: Credit reporting or other personal consumer reports

I have tried since 2022 to get this fixed ns the issue worsten I was requesting to get an account removed but since I talked to these agencies my life has gone to XXXX, after I called I started to get harrasing calls mail and other information stating I oed them monry I explained over the phone and written that it was not me however they said accurate I need help you are my last hope!!!
Product: Debt collection

My income tax was garnished in violation of 15 USC 1692-1692p. Not my debt nor did the lawyers of the recovery company contact me nor did they provide whose debt this was.
Product: Credit card or prepaid card

In XXXX of XXXX I was getting a free online credit check from XXXX XXXX. This was a free service given to me by XXXX XXXX. When i received the check it stated that I had a Synchrony/Amazon Credit card with an outstanding balance of XXXX. I contacted Synchrony Bank/Amazon and through several phone calls they told me that the account was opened via email in XXXX of XXXX. I told them I had no memory of doing so, and afterwards was positive I didn't open the account. They stated that the account was opened XXXX eve... I then checked my email and realized that my email received notifications that an account was open and that at several times in XXXX there were tardy payments and that payments were made to this card. The card was not used ( I believe until XXXX and XXXX of XXXX. The credit card utilized an email ( Yahoo.com ) that was used infrequently, and received many bogus spam notifications. My main email is a gmail.com account. I learned when I contacted Synchrony to tell them of the fraudulent card they used my cellphone number and address to start sending me late notice notifications and harassing phone calls. I have three Bank accounts with credit notifications and since I notified Synchrony bank they have had all the banks drop my credit ratings. 
Up to this time I didn't know it was possible to open an account via email. I have an Amazon/XXXX  account in which I have had for several years. It is apparent whomever opened up the Synchrony/Amazon account opened up a different account with this credit card. 
I also opened up a Police Investigation with my local police department. It has been understandably slow with them, I feel this is not a priority with them. 
Several attempts have been made by myself to request where the items were sent to, how Synchrony bank received the payments but they are refusing to release that information. 
I also opened a XXXX Investigation and they advised Synchrony bank was to vacate the erroneous information but they haven't.